UWM Holdings Corp (UWMC)vsWalker & Dunlop Inc (WD)
UWMC
UWM Holdings Corp
$3.53
-2.22%
FINANCIAL SERVICES · Cap: $5.79B
WD
Walker & Dunlop Inc
$45.07
+2.48%
FINANCIAL SERVICES · Cap: $1.54B
Smart Verdict
WallStSmart Research — data-driven comparison
UWM Holdings Corp generates 198% more annual revenue ($3.46B vs $1.16B). WD leads profitability with a 4.9% profit margin vs 0.8%. WD trades at a lower P/E of 27.5x. UWMC earns a higher WallStSmart Score of 62/100 (C+).
UWMC
Buy62
out of 100
Grade: C+
WD
Buy59
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+16.9%
Fair Value
$5.62
Current Price
$3.53
$2.09 discount
Margin of Safety
-21.1%
Fair Value
$50.77
Current Price
$45.07
$5.70 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Strong operational efficiency at 31.0%
Reasonable price relative to book value
Areas to Watch
Premium valuation, high expectations priced in
3.0% revenue growth
2.8% earnings growth
0.8% margin — thin
Moderate valuation
0.0% revenue growth
Smaller company, higher risk/reward
ROE of 3.3% — below average capital efficiency
Comparative Analysis Report
WallStSmart ResearchBull Case : UWMC
The strongest argument for UWMC centers on Operating Margin.
Bull Case : WD
The strongest argument for WD centers on Price/Book. PEG of 1.25 suggests the stock is reasonably priced for its growth.
Bear Case : UWMC
The primary concerns for UWMC are P/E Ratio, Revenue Growth, EPS Growth. Thin 0.8% margins leave little buffer for downturns.
Bear Case : WD
The primary concerns for WD are P/E Ratio, Revenue Growth, Market Cap. Thin 4.9% margins leave little buffer for downturns.
Key Dynamics to Monitor
UWMC carries more volatility with a beta of 1.94 — expect wider price swings.
UWMC is growing revenue faster at 3.0% — sustainability is the question.
WD generates stronger free cash flow (796M), providing more financial flexibility.
Monitor MORTGAGE FINANCE industry trends, competitive dynamics, and regulatory changes.
Bottom Line
UWMC scores higher overall (62/100 vs 59/100). Both earn "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.
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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