Is ONIT or PFSI more undervalued in 2026?

CirclFi compares Onity Group Inc. (ONIT) and PennyMac Financial Services, In (PFSI) using 13 institutional-grade valuation models. ONIT has a Quality of Company score of 6.3/10 while PFSI scores 6.5/10.

Which is a better buy — ONIT or PFSI?

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 ONIT and PFSI valuations compare?

ONIT at $34.54 and PFSI at $83.87 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

ONIT vs PFSI Valuation Comparison 2026 — Intrinsic Value Analysis

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

PFSI

Mortgage Bankers & Loan Correspondents

PennyMac Financial Services, In

Quality

6.5

out of 10

Value Trap

WARN

Price

$83.87

Last close

Models

9/13

Active

Model-by-Model Comparison

Model	Type	ONIT Fair Value	ONIT Upside	PFSI Fair Value	PFSI Upside
Earnings Power Value	Intrinsic	—	—	$107.13	+16.3%
EROIC Spread	Intrinsic	—	—	$49.75	-40.7%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$57.53	+66.6%	$73.10	-12.8%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$43.56	+26.1%	$78.00	-7.0%

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ONIT vs PFSI — Which Stock Is More Undervalued?

PFSI scores higher with a 6.5/10 quality rating vs ONIT's 6.3/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Onity Group Inc. (ONIT) and PennyMac Financial Services, In (PFSI) 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.

ONIT currently trades at $34.54 with a QOC of 6.3/10, while PFSI trades at $83.87 with a QOC of 6.5/10.

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).