CNFinance Holdings Ltd (CNF)vsUWM Holdings Corp (UWMC)
CNF
CNFinance Holdings Ltd
$3.18
+0.95%
FINANCIAL SERVICES · Cap: $53.10M
UWMC
UWM Holdings Corp
$2.59
-1.15%
FINANCIAL SERVICES · Cap: $3.85B
Smart Verdict
WallStSmart Research — data-driven comparison
UWM Holdings Corp generates -998% more annual revenue ($3.61B vs $-401.75M). UWMC leads profitability with a 1.8% profit margin vs 0.0%. UWMC earns a higher WallStSmart Score of 66/100 (B-).
CNF
Hold42
out of 100
Grade: D
UWMC
Strong Buy66
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 113.5%
Attractively priced relative to earnings
Strong operational efficiency at 40.7%
Earnings expanding 277.8% YoY
Every $100 of equity generates 29 in profit
Revenue surging 24.4% year-over-year
Areas to Watch
Smaller company, higher risk/reward
0.0% margin — thin
ROE of -1.6% — below average capital efficiency
Revenue declined 75.1%
1.8% margin — thin
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : CNF
The strongest argument for CNF centers on Price/Book, Operating Margin.
Bull Case : UWMC
The strongest argument for UWMC centers on P/E Ratio, Operating Margin, EPS Growth. Revenue growth of 24.4% demonstrates continued momentum.
Bear Case : CNF
The primary concerns for CNF are Market Cap, Profit Margin, Return on Equity.
Bear Case : UWMC
The primary concerns for UWMC are Profit Margin, Free Cash Flow, Altman Z-Score. Debt-to-equity of 70.65 is elevated, increasing financial risk. Thin 1.8% margins leave little buffer for downturns.
Key Dynamics to Monitor
CNF profiles as a value stock while UWMC is a growth play — different risk/reward profiles.
UWMC carries more volatility with a beta of 1.77 — expect wider price swings.
UWMC is growing revenue faster at 24.4% — sustainability is the question.
CNF generates stronger free cash flow (79M), providing more financial flexibility.
Bottom Line
UWMC scores higher overall (66/100 vs 42/100) and 24.4% revenue growth. Both earn "Strong Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
CNFinance Holdings Ltd
FINANCIAL SERVICES · MORTGAGE FINANCE · China
CNFinance Holdings Limited, offers home equity loan services in the People's Republic of China. The company is headquartered in Guangzhou, China.
Visit Website →UWM Holdings Corp
FINANCIAL SERVICES · MORTGAGE FINANCE · USA
UWM Holdings Corporation is engaged in the residential mortgage loan business in the United States. The company is headquartered in Pontiac, Michigan.
Compare with Other MORTGAGE FINANCE Stocks
Want to dig deeper into these stocks?