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Onity Group Inc. (ONIT) vs PennyMac Financial Services, Inc. (PFSI)

Onity Group Inc. and PennyMac Financial Services, Inc. are both Mortgage Finance companies. PennyMac Financial Services, Inc. is the larger, with a market value of $3.2B against $222.8M — 14.3× the size. Onity Group Inc. trades at the lower P/E: 1.5× against 8.0×. PennyMac Financial Services, Inc. grew revenue faster over the last twelve months: 25.9% against 16.3%. PennyMac Financial Services, Inc. has the higher net margin (17.7% vs 12.0%) and the lower return on invested capital (2.17% vs 3.23%). Across the 19 metrics below, Onity Group Inc. leads on 12 and PennyMac Financial Services, Inc. on 7.

Valuation

Metric ONIT PFSI Mortgage Finance median
P/E 1.50 7.98 6.65
P/S 0.19 1.42 1.42
P/B 0.35 0.72 0.46
Price to free cash flow n/m n/m 6.32
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 66.74% 12.53% 2.41%
Free cash flow yield (1,181.94%) (59.28%) (19.29%)

Profitability

Metric ONIT PFSI Mortgage Finance median
Gross margin 100.00% 78.95% 84.40%
Operating margin 32.33% 27.59% 12.51%
Net margin 11.98% 17.73% (0.83%)
Free cash flow margin (222.65%) (83.74%) (45.06%)
Return on equity 25.19% 9.38% (1.16%)
Return on assets 0.95% 1.45% 0.38%
Return on invested capital 3.23% 2.17% 0.36%

Growth

Metric ONIT PFSI Mortgage Finance median
Revenue growth (TTM) 16.27% 25.90% 11.44%
EPS growth (last fiscal year) 419.61% 59.25% 6.60%
Revenue growth, 5-year CAGR 2.11% (11.20%) (11.16%)
Net income growth, 5-year CAGR 0.00% (21.18%) 0.00%

Health

Metric ONIT PFSI Mortgage Finance median
Debt to equity 11.41 3.22 1.22
Current ratio 16.60 0.38 1.38
Net debt to EBITDA 26.42 18.29 9.85

Dividend

Metric ONIT PFSI Mortgage Finance median
Dividend yield — 1.99% 8.31%
Payout ratio — 0.16 —

Size

Metric ONIT PFSI Mortgage Finance median
Market cap 222.81m 3.18b 198.15m

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