COMP <GO>
MFIN vs ONIT // OPERATING MARGIN
Medallion Financial Corp. (NASDAQ) VS. Onity Group Inc. (NYSE) • 15-METRIC TALLY: MFIN 3
— ONIT 2
■ METRIC PARITY
LAST: $10.02 (-0.79%) • MKT CAP: $231.9M
operating-margins
—
LAST: $28.97 (+5.27%) • MKT CAP: $229.9M
operating-margins
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (MFIN VS. ONIT)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | MFIN | ONIT | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 10.50% | 30.20% | -19.70 | ONIT | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | — | — | — | TIE | /fcf-yield <GO> |
| Operating Margin ACTIVE | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | 17.80% | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | 9.30% | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 4.09% | 0.00% | +4.09 | MFIN | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 3/9 | +2.00 | MFIN | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 38.5 | 48.0 | -9.50 | ONIT | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 5.8x | — | — | TIE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $231.9M | $229.9M | $2.0M | MFIN | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | MFIN REV | ONIT REV | MFIN GROSS % | ONIT GROSS % | MFIN FCF | ONIT FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.24B | $1.07B | — | — | $126.3M | -$750.9M |
| FY 2024 | $1.20B | $976.0M | — | — | $108.7M | -$574.6M |
| FY 2023 | $432.4M | $1.07B | — | — | $113.8M | $10.4M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
MFIN // BETA —
ONIT // BETA —