Income Opportunity Realty Investors, Inc. (IOR) vs Onity Group Inc. (ONIT)

Income Opportunity Realty Investors, Inc. and Onity Group Inc. are both Mortgage Finance companies. Onity Group Inc. is the larger, with a market value of $259.1M against $74.1M — 3.5× the size. Onity Group Inc. trades at the lower P/E: 1.8× against 19.8×. Onity Group Inc. has the higher net margin (12.0% vs 0.00%) and the higher return on invested capital (3.23% vs −0.19%). Across the 18 metrics below, Onity Group Inc. leads on 12 and Income Opportunity Realty Investors, Inc. on 6.

Valuation

Metric IOR ONIT Mortgage Finance median
P/E 19.82 1.80 7.11
P/S 116.00 0.23 1.54
P/B 0.58 0.43 0.53
Price to free cash flow 3.52 n/m 6.59
EV/EBITDA n/m 16.47 22.03
EV/Sales 115.95 5.95 5.95
Earnings yield 5.05% 55.54% 2.09%
Free cash flow yield 28.43% (983.61%) (16.97%)

Profitability

Metric IOR ONIT Mortgage Finance median
Gross margin 0.00% 100.00% 84.40%
Operating margin 0.00% 32.33% 12.51%
Net margin 0.00% 11.98% (0.83%)
Free cash flow margin 0.00% (222.65%) (45.06%)
Return on equity 2.96% 25.19% (1.16%)
Return on assets 2.96% 0.95% 0.38%
Return on invested capital (0.19%) 3.23% 0.36%

Growth

Metric IOR ONIT Mortgage Finance median
Revenue growth (TTM) — 16.27% 11.44%
EPS growth (last fiscal year) (14.04%) 419.61% —
Revenue growth, 5-year CAGR — 2.11% (11.16%)
Net income growth, 5-year CAGR (1.09%) 0.00% 0.00%

Health

Metric IOR ONIT Mortgage Finance median
Debt to equity 0.00 11.41 1.22
Current ratio 31,909.00 16.60 1.38
Net debt to EBITDA 0.02 26.42 9.85

Dividend

Metric IOR ONIT Mortgage Finance median
Dividend yield — — 5.81%
Payout ratio 0.00 0.00 0.00

Size

Metric IOR ONIT Mortgage Finance median
Market cap 74.05m 259.07m 214.95m

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