Onity Group Inc. (ONIT)vsRocket Companies Inc (RKT)
ONIT
Onity Group Inc.
$34.34
-0.69%
FINANCIAL SERVICES · Cap: $284.89M
RKT
Rocket Companies Inc
$13.18
-0.08%
FINANCIAL SERVICES · Cap: $39.36B
Smart Verdict
WallStSmart Research — data-driven comparison
Rocket Companies Inc generates 793% more annual revenue ($10.24B vs $1.15B). ONIT leads profitability with a 12.3% profit margin vs 4.6%. RKT appears more attractively valued with a PEG of 0.53. ONIT earns a higher WallStSmart Score of 74/100 (B).
ONIT
Strong Buy74
out of 100
Grade: B
RKT
Buy61
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 50.9%
Every $100 of equity generates 29 in profit
Growing faster than its price suggests
Revenue surging 91.9% year-over-year
Growing faster than its price suggests
Reasonable price relative to book value
Strong operational efficiency at 27.1%
Areas to Watch
Smaller company, higher risk/reward
Earnings declined 70.4%
Negative free cash flow — burning cash
Distress zone — elevated risk
ROE of 2.0% — below average capital efficiency
4.6% margin — thin
Elevated debt levels
Weak financial health signals
Comparative Analysis Report
WallStSmart ResearchBull Case : ONIT
The strongest argument for ONIT centers on P/E Ratio, Price/Book, Operating Margin. Revenue growth of 14.7% demonstrates continued momentum. PEG of 0.62 suggests the stock is reasonably priced for its growth.
Bull Case : RKT
The strongest argument for RKT centers on Revenue Growth, PEG Ratio, Price/Book. Revenue growth of 91.9% demonstrates continued momentum. PEG of 0.53 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. Debt-to-equity of 16.43 is elevated, increasing financial risk.
Bear Case : RKT
The primary concerns for RKT are Return on Equity, Profit Margin, Debt/Equity. Thin 4.6% margins leave little buffer for downturns.
Key Dynamics to Monitor
ONIT profiles as a value stock while RKT is a hypergrowth play — different risk/reward profiles.
RKT carries more volatility with a beta of 2.21 — expect wider price swings.
RKT is growing revenue faster at 91.9% — sustainability is the question.
ONIT generates stronger free cash flow (-702M), providing more financial flexibility.
Bottom Line
ONIT scores higher overall (74/100 vs 61/100) and 14.7% revenue growth. Both earn "Strong 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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