Onity Group Inc. (ONIT)vsUWM Holdings Corp (UWMC)
ONIT
Onity Group Inc.
$35.55
-2.79%
FINANCIAL SERVICES · Cap: $310.56M
UWMC
UWM Holdings Corp
$2.59
-1.15%
FINANCIAL SERVICES · Cap: $3.85B
Smart Verdict
WallStSmart Research — data-driven comparison
UWM Holdings Corp generates 225% more annual revenue ($3.61B vs $1.11B). ONIT leads profitability with a 15.8% profit margin vs 1.8%. ONIT trades at a lower P/E of 1.9x. ONIT earns a higher WallStSmart Score of 79/100 (B+).
ONIT
Strong Buy79
out of 100
Grade: B+
UWMC
Strong Buy66
out of 100
Grade: B-
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 55.1%
Every $100 of equity generates 29 in profit
Growing faster than its price suggests
17.8% revenue growth
Attractively priced relative to earnings
Strong operational efficiency at 40.7%
Earnings expanding 277.8% YoY
Every $100 of equity generates 29 in profit
Revenue surging 24.4% year-over-year
Areas to Watch
Smaller company, higher risk/reward
Earnings declined 70.4%
Negative free cash flow — burning cash
Distress zone — elevated risk
1.8% margin — thin
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : ONIT
The strongest argument for ONIT centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 15.8% and operating margin at 55.1%. Revenue growth of 17.8% demonstrates continued momentum.
Bull Case : UWMC
The strongest argument for UWMC centers on P/E Ratio, Operating Margin, EPS Growth. Revenue growth of 24.4% demonstrates continued momentum.
Bear Case : ONIT
The primary concerns for ONIT are Market Cap, EPS Growth, Free Cash Flow. Debt-to-equity of 25.27 is elevated, increasing financial risk.
Bear Case : UWMC
The primary concerns for UWMC are Profit Margin, Free Cash Flow, Altman Z-Score. Debt-to-equity of 70.65 is elevated, increasing financial risk. Thin 1.8% margins leave little buffer for downturns.
Key Dynamics to Monitor
UWMC carries more volatility with a beta of 1.77 — expect wider price swings.
UWMC is growing revenue faster at 24.4% — sustainability is the question.
ONIT generates stronger free cash flow (-1.8B), providing more financial flexibility.
Monitor MORTGAGE FINANCE industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ONIT scores higher overall (79/100 vs 66/100), backed by strong 15.8% margins and 17.8% revenue growth. Both earn "Strong Buy" and "Strong 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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