UWM Holdings Corp (UWMC)vsWalker & Dunlop Inc (WD)
UWMC
UWM Holdings Corp
$2.59
-1.15%
FINANCIAL SERVICES · Cap: $3.85B
WD
Walker & Dunlop Inc
$51.25
-0.85%
FINANCIAL SERVICES · Cap: $1.72B
Smart Verdict
WallStSmart Research — data-driven comparison
UWM Holdings Corp generates 194% more annual revenue ($3.61B vs $1.23B). WD leads profitability with a 5.7% profit margin vs 1.8%. UWMC trades at a lower P/E of 7.9x. WD earns a higher WallStSmart Score of 66/100 (B-).
UWMC
Strong Buy66
out of 100
Grade: B-
WD
Strong Buy66
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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
Reasonable price relative to book value
Revenue surging 32.0% year-over-year
Earnings expanding 471.1% YoY
Areas to Watch
1.8% margin — thin
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Smaller company, higher risk/reward
ROE of 4.2% — below average capital efficiency
5.7% margin — thin
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : UWMC
The strongest argument for UWMC centers on P/E Ratio, Operating Margin, EPS Growth. Revenue growth of 24.4% demonstrates continued momentum.
Bull Case : WD
The strongest argument for WD centers on Price/Book, Revenue Growth, EPS Growth. Revenue growth of 32.0% demonstrates continued momentum. PEG of 1.09 suggests the stock is reasonably priced for its growth.
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.
Bear Case : WD
The primary concerns for WD are Market Cap, Return on Equity, Profit Margin. Debt-to-equity of 1.95 is elevated, increasing financial risk.
Key Dynamics to Monitor
UWMC profiles as a growth stock while WD is a hypergrowth play — different risk/reward profiles.
UWMC carries more volatility with a beta of 1.77 — expect wider price swings.
WD is growing revenue faster at 32.0% — sustainability is the question.
WD generates stronger free cash flow (-1.1B), providing more financial flexibility.
Bottom Line
UWMC scores higher overall (66/100 vs 66/100) and 24.4% revenue growth. Both earn "Strong Buy" and "Strong 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.
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.
Walker & Dunlop Inc
FINANCIAL SERVICES · MORTGAGE FINANCE · USA
Walker & Dunlop, Inc. originates, sells and services a variety of commercial and multifamily real estate financing products and services for real estate owners and developers in the United States. The company is headquartered in Bethesda, Maryland.
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