EFC vs ONIT
EFC: Specialty finance company generating returns from a diversified portfolio of mortgage-backed securities, residential/commercial loans, and reverse mortgage investments, funded with leverage through capital markets. ONIT: Onity is a mortgage servicing and origination company managing 1.4 million loans worth $328 billion in principal through forward and reverse mortgage platforms built for efficiency and institutional scale.
Side-by-side fundamentals
| Metric | EFC | ONIT | Edge |
|---|---|---|---|
| Price as of 2026-07-27 close | $13.36 | $39.85 | |
| Market cap as of 2026-07-30 | $1.7B | $336M | |
| P/E as of 2026-07-30 | 7.96 | 1.94 | ONIT lower |
| PEG as of 2026-07-30 | 0.42 | 0.00 | ONIT lower |
| Net margin as of 2026-07-30 | +40.4% | +15.7% | EFC higher |
| Gross margin as of 2026-07-30 | +27.3% | +94.2% | ONIT higher |
| Operating margin as of 2026-07-30 | -8.0% | +36.6% | ONIT higher |
| ROE as of 2026-07-30 | +11.9% | +28.6% | ONIT higher |
| ROA as of 2026-07-30 | +1.1% | +1.1% | EFC higher |
| Debt / equity as of 2026-07-30 | 9.21 | 23.71 | EFC lower |
| Revenue growth (YoY) as of 2026-07-30 | +22.7% | +12.6% | EFC higher |
| Revenue CAGR (3y) SEC XBRL | n/a | +3.8% | |
| Dividend yield as of 2026-07-30 | +11.5% | +1.2% | EFC higher |
| Dividend streak (yrs) SEC XBRL | 1 | n/a | |
| Beta as of 2026-07-30 | 0.94 | 1.44 | |
| 1-year return as of 2026-07-27 close | +0.9% | +3.8% | ONIT higher |
Fundamentals: market data, as of 2026-07-30. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-27.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date; "Edge" cells are a pure numeric comparison, not a recommendation.