UWM Holdings Corp (UWMC)vsWells Fargo & Company (WFC)
UWMC
UWM Holdings Corp
$1.98
+6.45%
FINANCIAL SERVICES · Cap: $3.26B
WFC
Wells Fargo & Company
$85.43
+1.86%
FINANCIAL SERVICES · Cap: $264.46B
Smart Verdict
WallStSmart Research — data-driven comparison
Wells Fargo & Company generates 2201% more annual revenue ($83.03B vs $3.61B). WFC leads profitability with a 27.2% profit margin vs 1.8%. UWMC trades at a lower P/E of 6.7x. WFC earns a higher WallStSmart Score of 76/100 (B+).
UWMC
Strong Buy71
out of 100
Grade: B
WFC
Strong Buy76
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
Reasonable price relative to book value
Revenue surging 24.4% year-over-year
Mega-cap, among the largest globally
Strong operational efficiency at 37.1%
Keeps 27 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 25.0% YoY
Areas to Watch
1.8% margin — thin
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Expensive relative to growth rate
Distress zone — elevated risk
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 : WFC
The strongest argument for WFC centers on Market Cap, Operating Margin, Profit Margin. Profitability is solid with margins at 27.2% and operating margin at 37.1%.
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 : WFC
The primary concerns for WFC are PEG Ratio, Altman Z-Score, Debt/Equity. Debt-to-equity of 2.55 is elevated, increasing financial risk.
Key Dynamics to Monitor
UWMC profiles as a growth stock while WFC is a mature play — different risk/reward profiles.
UWMC carries more volatility with a beta of 1.81 — expect wider price swings.
UWMC is growing revenue faster at 24.4% — sustainability is the question.
WFC generates stronger free cash flow (9.1B), providing more financial flexibility.
Bottom Line
WFC scores higher overall (76/100 vs 71/100), backed by strong 27.2% margins. 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.
Wells Fargo & Company
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Wells Fargo & Company is an American multinational financial services company with corporate headquarters in San Francisco, California, operational headquarters in Manhattan, and managerial offices throughout the United States and overseas.
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