CNFinance Holdings Limited Sponsored ADR (CNF) vs Onity Group Inc. (ONIT)

CNFinance Holdings Limited Sponsored ADR and Onity Group Inc. are both Mortgage Finance companies. Onity Group Inc. is the larger, with a market value of $222.8M against $13.5M — 16.6× the size. CNFinance Holdings Limited Sponsored ADR trades at the lower P/E: 0.6× against 1.5×. Onity Group Inc. grew revenue faster over the last twelve months: 16.3% against −7.19%. Onity Group Inc. has the higher net margin (12.0% vs 8.88%) and the higher return on invested capital (3.23% vs 0.00%). Across the 18 metrics below, CNFinance Holdings Limited Sponsored ADR leads on 9 and Onity Group Inc. on 9.

Valuation

Metric CNF ONIT Mortgage Finance median
P/E 0.57 1.50 6.65
P/S 0.05 0.19 1.42
P/B 0.03 0.35 0.46
Price to free cash flow 0.08 n/m 6.32
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 175.26% 66.74% 2.41%
Free cash flow yield 1,308.68% (1,181.94%) (19.29%)

Profitability

Metric CNF ONIT Mortgage Finance median
Gross margin 61.00% 100.00% 84.40%
Operating margin 0.00% 32.33% 12.51%
Net margin 8.88% 11.98% (0.83%)
Free cash flow margin 0.00% (222.65%) (45.06%)
Return on equity 0.00% 25.19% (1.16%)
Return on assets 0.00% 0.95% 0.38%
Return on invested capital 0.00% 3.23% 0.36%

Growth

Metric CNF ONIT Mortgage Finance median
Revenue growth (TTM) (7.19%) 16.27% 11.44%
EPS growth (last fiscal year) (1,282.50%) 419.61% 6.60%
Revenue growth, 5-year CAGR (19.48%) 2.11% (11.16%)
Net income growth, 5-year CAGR 0.00% 0.00% 0.00%

Health

Metric CNF ONIT Mortgage Finance median
Debt to equity 0.95 11.41 1.22
Current ratio 1,057.43 16.60 1.38
Net debt to EBITDA 0.00 26.42 9.85

Dividend

Metric CNF ONIT Mortgage Finance median
Dividend yield — — 8.31%
Payout ratio — — —

Size

Metric CNF ONIT Mortgage Finance median
Market cap 13.45m 222.81m 198.15m

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