PennyMac Finl Svcs Inc (PFSI)vsUWM Holdings Corp (UWMC)
PFSI
PennyMac Finl Svcs Inc
$81.24
-0.36%
FINANCIAL SERVICES · Cap: $4.24B
UWMC
UWM Holdings Corp
$2.59
-1.15%
FINANCIAL SERVICES · Cap: $3.85B
Smart Verdict
WallStSmart Research — data-driven comparison
UWM Holdings Corp generates 9% more annual revenue ($3.61B vs $3.32B). PFSI leads profitability with a 15.3% profit margin vs 1.8%. UWMC trades at a lower P/E of 7.9x. UWMC earns a higher WallStSmart Score of 66/100 (B-).
PFSI
Buy57
out of 100
Grade: C
UWMC
Strong Buy66
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
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
Weak financial health signals
Expensive relative to growth rate
Revenue declined 16.6%
Negative free cash flow — burning cash
1.8% margin — thin
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : PFSI
The strongest argument for PFSI centers on P/E Ratio, Price/Book. Profitability is solid with margins at 15.3% and operating margin at 14.6%.
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 : PFSI
The primary concerns for PFSI are Piotroski F-Score, PEG Ratio, Revenue Growth. Debt-to-equity of 3.98 is elevated, increasing financial risk.
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
PFSI profiles as a declining 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.
PFSI generates stronger free cash flow (-1.2B), providing more financial flexibility.
Bottom Line
UWMC scores higher overall (66/100 vs 57/100) and 24.4% revenue growth. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
PennyMac Finl Svcs Inc
FINANCIAL SERVICES · MORTGAGE FINANCE · USA
PennyMac Financial Services, Inc. is engaged in investment management and mortgage banking activities in the United States. The company is headquartered in Westlake Village, California.
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.
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