Using the industry peer median P/E Multiples multiple (trailing + forward), Onity Group Inc. (ONIT) has a fair value of $202.59 based on 10 comparable companies in the Financial - Mortgages industry.
USD in millions except Fair Price. Subject company highlighted.
| Mkt Cap ($M) | Trailing P/E | Forward P/E | |
|---|---|---|---|
| Onity Group Inc.ONIT | 336 | 1.8x | 3.9x |
| Citizens & Northern Corporation | 387 | 14.8x | 14.2x |
| Farmers & Merchants Bancorp, Inc. | 383 | 8.2x | 17.8x |
| Plumas Bancorp | 363 | 11.4x | 10.9x |
| PCB Bancorp | 357 | 9.7x | 15.1x |
| Colony Bankcorp, Inc. | 353 | 12.5x | 15.7x |
| BayCom Corp | 338 | 14.2x | 14.6x |
| Waterstone Financial, Inc. | 337 | 12.5x | 6.2x |
| MVB Financial Corp. | 335 | 12.7x | 16.4x |
| The First Bancorp, Inc. | 327 | 9.5x | 11.5x |
| FS Bancorp, Inc. | 307 | 9.6x | 8.8x |
| Industry Median | 12.0x | 14.4x | |
| (*) Profit after tax | 190 | 85 | |
| Equity Value | 2,267 | 1,231 | |
| (/) Outstanding shares | 9 | 9 | |
| Fair Price | $263 | $143 | |
Using the PEG framework with historical EPS growth of 25.0%, the company has a fair value of $536.50 based on TTM EPS (FY2025) of $21.46. The current PEG ratio is 0.02.
PEG < 1 = bargain, 1–1.5 = fair, > 2 = expensive.
Growth above 25% is capped — hypergrowth may not be sustainable long-term.
| EPS Growth RateHistorical | 82.6% |
| Adjusted Growth (clamped 8–25%)Clamped | 25.0% |
| Fair P/E | 25.0x |
| TTM EPS (FY2025) | $21.46 |
| Fair Value | $536.50 |
No analyst estimates available.
| Year | Net Income | EPS | YoY |
|---|---|---|---|
| FY2021 | $18.1M | $1.93 | — |
| FY2022 | $25.7M | $2.85 | +47.7% |
| FY2023 | $-63.7M | $-8.34 | -392.6% |
| FY2024 | $33.9M | $4.13 | — |
| FY2025 | $189.5M | $21.46 | +419.6% |
4Y Historical EPS CAGR: 82.6%
Disclaimer: Sweet Value Lab provides estimated intrinsic values for informational purposes only. This is not financial advice. All models rely on assumptions that may not reflect future performance. Always do your own research before making investment decisions.