WallStSmart

Onity Group Inc. (ONIT)vsRocket Companies Inc (RKT)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Rocket Companies Inc generates 563% more annual revenue ($7.07B vs $1.07B). ONIT leads profitability with a 17.8% profit margin vs -1.0%. RKT appears more attractively valued with a PEG of 0.45. ONIT earns a higher WallStSmart Score of 81/100 (A-).

ONIT

Exceptional Buy

81

out of 100

Grade: A-

Growth: 4.7Profit: 8.0Value: 10.0Quality: 5.0

RKT

Buy

55

out of 100

Grade: C

Growth: 5.3Profit: 4.0Value: 6.7Quality: 2.5
Piotroski: 2/9Altman Z: 0.39
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

ONITUndervalued (+71.8%)

Margin of Safety

+71.8%

Fair Value

$145.93

Current Price

$38.47

$107.46 discount

UndervaluedFair: $145.93Overvalued

Intrinsic value data unavailable for RKT.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ONIT6 strengths · Avg: 9.3/10
P/E RatioValuation
1.7x10/10

Attractively priced relative to earnings

Price/BookValuation
0.5x10/10

Reasonable price relative to book value

Return on EquityProfitability
32.4%10/10

Every $100 of equity generates 32 in profit

Operating MarginProfitability
52.9%10/10

Strong operational efficiency at 52.9%

PEG RatioValuation
0.628/10

Growing faster than its price suggests

Revenue GrowthGrowth
29.0%8/10

Revenue surging 29.0% year-over-year

RKT3 strengths · Avg: 9.3/10
PEG RatioValuation
0.4510/10

Growing faster than its price suggests

Revenue GrowthGrowth
52.6%10/10

Revenue surging 52.6% year-over-year

Price/BookValuation
1.8x8/10

Reasonable price relative to book value

Areas to Watch

ONIT3 concerns · Avg: 2.3/10
Market CapQuality
$315.90M3/10

Smaller company, higher risk/reward

EPS GrowthGrowth
-23.4%2/10

Earnings declined 23.4%

Free Cash FlowQuality
$-471.00M2/10

Negative free cash flow — burning cash

RKT4 concerns · Avg: 2.3/10
Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Return on EquityProfitability
-1.5%2/10

ROE of -1.5% — below average capital efficiency

EPS GrowthGrowth
-89.5%2/10

Earnings declined 89.5%

Free Cash FlowQuality
$-1.27B2/10

Negative free cash flow — burning cash

Comparative Analysis Report

WallStSmart Research

Bull 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 : RKT

The strongest argument for RKT centers on PEG Ratio, Revenue Growth, Price/Book. Revenue growth of 52.6% demonstrates continued momentum. PEG of 0.45 suggests the stock is reasonably priced for its growth.

Bear Case : ONIT

The primary concerns for ONIT are Market Cap, EPS Growth, Free Cash Flow.

Bear Case : RKT

The primary concerns for RKT are Piotroski F-Score, Return on Equity, EPS Growth. Debt-to-equity of 2.51 is elevated, increasing financial risk.

Key Dynamics to Monitor

ONIT profiles as a growth stock while RKT is a hypergrowth play — different risk/reward profiles.

RKT carries more volatility with a beta of 2.31 — expect wider price swings.

RKT is growing revenue faster at 52.6% — sustainability is the question.

ONIT generates stronger free cash flow (-471M), providing more financial flexibility.

Bottom Line

ONIT scores higher overall (81/100 vs 55/100), backed by strong 17.8% margins and 29.0% revenue growth. 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.

Rocket Companies Inc

FINANCIAL SERVICES · MORTGAGE FINANCE · USA

Rocket Companies, Inc. is engaged in the technology-driven real estate, mortgage and e-commerce businesses in the United States and Canada. The company is headquartered in Detroit, Michigan.

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