Is BLNE or ONIT more undervalued in 2026?

CirclFi compares Beeline Holdings, Inc. (BLNE) and Onity Group Inc. (ONIT) using 13 institutional-grade valuation models. BLNE has a Quality of Company score of 3.7/10 while ONIT scores 6.3/10.

Which is a better buy — BLNE or ONIT?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do BLNE and ONIT valuations compare?

BLNE at $1.31 and ONIT at $34.54 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

BLNE vs ONIT Valuation Comparison 2026 — Intrinsic Value Analysis

BLNE

Mortgage Bankers & Loan Correspondents

Beeline Holdings, Inc.

Quality

3.7

out of 10

Value Trap

DANGER

Price

$1.31

Last close

Models

9/13

Active

ONIT

Mortgage Bankers & Loan Correspondents

Onity Group Inc.

Quality

6.3

out of 10

Value Trap

SAFE

Price

$34.54

Last close

Models

3/13

Active

Model-by-Model Comparison

Model	Type	BLNE Fair Value	BLNE Upside	ONIT Fair Value	ONIT Upside
Bayesian DCF	Intrinsic	$0.09	-93.1%	—	—
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Dynamic NAV	Asset-Based	$0.29	-78.2%	—	—
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$0.03	-97.8%	$57.53	+66.6%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	—	—	$43.56	+26.1%

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BLNE vs ONIT — Which Stock Is More Undervalued?

ONIT scores higher with a 6.3/10 quality rating vs BLNE's 3.7/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Beeline Holdings, Inc. (BLNE) and Onity Group Inc. (ONIT) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

BLNE currently trades at $1.31 with a QOC of 3.7/10, while ONIT trades at $34.54 with a QOC of 6.3/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).