Onity Group Inc. (ONIT)vsUWM Holdings Corp (UWMC)
ONIT
Onity Group Inc.
$38.47
+3.00%
FINANCIAL SERVICES · Cap: $315.90M
UWMC
UWM Holdings Corp
$3.53
-2.22%
FINANCIAL SERVICES · Cap: $5.79B
Smart Verdict
WallStSmart Research — data-driven comparison
UWM Holdings Corp generates 224% more annual revenue ($3.46B vs $1.07B). ONIT leads profitability with a 17.8% profit margin vs 0.8%. ONIT trades at a lower P/E of 1.7x. ONIT earns a higher WallStSmart Score of 81/100 (A-).
ONIT
Exceptional Buy81
out of 100
Grade: A-
UWMC
Buy62
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+71.8%
Fair Value
$145.93
Current Price
$38.47
$107.46 discount
Margin of Safety
+16.9%
Fair Value
$5.62
Current Price
$3.53
$2.09 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Every $100 of equity generates 32 in profit
Strong operational efficiency at 52.9%
Growing faster than its price suggests
Revenue surging 29.0% year-over-year
Strong operational efficiency at 31.0%
Areas to Watch
Smaller company, higher risk/reward
Earnings declined 23.4%
Negative free cash flow — burning cash
Premium valuation, high expectations priced in
3.0% revenue growth
2.8% earnings growth
0.8% margin — thin
Comparative Analysis Report
WallStSmart ResearchBull Case : ONIT
The strongest argument for ONIT centers on P/E Ratio, Price/Book, Return on Equity. Profitability is solid with margins at 17.8% and operating margin at 52.9%. Revenue growth of 29.0% demonstrates continued momentum.
Bull Case : UWMC
The strongest argument for UWMC centers on Operating Margin.
Bear Case : ONIT
The primary concerns for ONIT are Market Cap, EPS Growth, Free Cash Flow.
Bear Case : UWMC
The primary concerns for UWMC are P/E Ratio, Revenue Growth, EPS Growth. Thin 0.8% margins leave little buffer for downturns.
Key Dynamics to Monitor
ONIT profiles as a growth stock while UWMC is a value play — different risk/reward profiles.
UWMC carries more volatility with a beta of 1.94 — expect wider price swings.
ONIT is growing revenue faster at 29.0% — sustainability is the question.
UWMC generates stronger free cash flow (82M), providing more financial flexibility.
Bottom Line
ONIT scores higher overall (81/100 vs 62/100), backed by strong 17.8% margins and 29.0% revenue growth. UWMC offers better value entry with a 16.9% margin of safety. Both earn "Exceptional Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Onity Group Inc.
FINANCIAL SERVICES · MORTGAGE FINANCE · USA
Onity Group Inc., a financial services company, originates and services mortgage loans in the United States, the United States Virgin Islands, India, and the Philippines. The company is headquartered in West Palm Beach, Florida.
UWM Holdings Corp
FINANCIAL SERVICES · MORTGAGE FINANCE · USA
UWM Holdings Corporation is engaged in the residential mortgage loan business in the United States. The company is headquartered in Pontiac, Michigan.
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