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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 $3.5B against $269.2M — 13.0× the size. Onity Group Inc. trades at the lower P/E: 2.0× against 14.2×. Onity Group Inc. grew revenue faster over the last twelve months: 14.4% against 3.54%. PennyMac Financial Services, Inc. has the higher net margin (11.7% vs 10.8%) and the higher return on invested capital (1.51% vs 0.00%). 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 2.03 14.16 10.24
P/S 0.23 1.65 1.52
P/B 0.43 0.78 0.52
Price to free cash flow n/m n/m 4.71
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 49.17% 7.06% (2.50%)
Free cash flow yield (851.67%) (9.21%) (9.21%)

Profitability

Metric ONIT PFSI Mortgage Finance median
Gross margin 100.00% 76.78% 81.25%
Operating margin 0.00% 20.37% 1.91%
Net margin 10.77% 11.69% (1.66%)
Free cash flow margin (153.58%) (15.01%) (15.01%)
Return on equity 22.22% 5.59% (1.94%)
Return on assets 0.90% 0.87% (0.23%)
Return on invested capital 0.00% 1.51% 0.00%

Growth

Metric ONIT PFSI Mortgage Finance median
Revenue growth (TTM) 14.36% 3.54% 7.49%
EPS growth (last fiscal year) 419.61% 59.25% 20.88%
Revenue growth, 5-year CAGR 2.11% (11.20%) (11.12%)
Net income growth, 5-year CAGR 0.00% (21.18%) 0.00%

Health

Metric ONIT PFSI Mortgage Finance median
Debt to equity 0.00 3.12 0.94
Current ratio 0.00 0.29 1.07
Net debt to EBITDA 26.42 18.29 15.25

Dividend

Metric ONIT PFSI Mortgage Finance median
Dividend yield — 1.84% 7.01%
Payout ratio — 0.27 —

Size

Metric ONIT PFSI Mortgage Finance median
Market cap 269.18m 3.49b 269.18m

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