Onity Group Inc. (ONIT)vsWalker & Dunlop Inc (WD)
ONIT
Onity Group Inc.
$38.47
+3.00%
FINANCIAL SERVICES · Cap: $315.90M
WD
Walker & Dunlop Inc
$45.07
+2.48%
FINANCIAL SERVICES · Cap: $1.54B
Smart Verdict
WallStSmart Research — data-driven comparison
Walker & Dunlop Inc generates 9% more annual revenue ($1.16B vs $1.07B). ONIT leads profitability with a 17.8% profit margin vs 4.9%. ONIT appears more attractively valued with a PEG of 0.62. ONIT earns a higher WallStSmart Score of 81/100 (A-).
ONIT
Exceptional Buy81
out of 100
Grade: A-
WD
Buy59
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
-21.1%
Fair Value
$50.77
Current Price
$45.07
$5.70 premium
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
Reasonable price relative to book value
Areas to Watch
Smaller company, higher risk/reward
Earnings declined 23.4%
Negative free cash flow — burning cash
Moderate valuation
0.0% revenue growth
Smaller company, higher risk/reward
ROE of 3.3% — below average capital efficiency
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 : WD
The strongest argument for WD centers on Price/Book. PEG of 1.25 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 : WD
The primary concerns for WD are P/E Ratio, Revenue Growth, Market Cap. Thin 4.9% margins leave little buffer for downturns.
Key Dynamics to Monitor
ONIT profiles as a growth stock while WD is a value play — different risk/reward profiles.
ONIT carries more volatility with a beta of 1.58 — expect wider price swings.
ONIT is growing revenue faster at 29.0% — sustainability is the question.
WD generates stronger free cash flow (796M), providing more financial flexibility.
Bottom Line
ONIT scores higher overall (81/100 vs 59/100), 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.
Walker & Dunlop Inc
FINANCIAL SERVICES · MORTGAGE FINANCE · USA
Walker & Dunlop, Inc. originates, sells and services a variety of commercial and multifamily real estate financing products and services for real estate owners and developers in the United States. The company is headquartered in Bethesda, Maryland.
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