WallStSmart

Greystone Housing Impact Investors LP (GHI)vsUWM Holdings Corp (UWMC)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

UWM Holdings Corp generates 8710% more annual revenue ($2.93B vs $33.21M). UWMC leads profitability with a -1.3% profit margin vs -6.3%. GHI earns a higher WallStSmart Score of 39/100 (F).

GHI

Hold

39

out of 100

Grade: F

Growth: 4.7Profit: 2.5Value: 5.3Quality: 4.8
Piotroski: 1/9

UWMC

Hold

35

out of 100

Grade: F

Growth: 6.7Profit: 4.5Value: 5.0Quality: 3.0
Piotroski: 5/9Altman Z: 0.34

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

GHI3 strengths · Avg: 9.3/10
Price/BookValuation
0.6x10/10

Reasonable price relative to book value

Revenue GrowthGrowth
2513.0%10/10

Revenue surging 2513.0% year-over-year

Free Cash FlowQuality
$4.81B8/10

Generating 4.8B in free cash flow

UWMC2 strengths · Avg: 9.5/10
EPS GrowthGrowth
277.8%10/10

Earnings expanding 277.8% YoY

Return on EquityProfitability
28.9%9/10

Every $100 of equity generates 29 in profit

Areas to Watch

GHI4 concerns · Avg: 2.8/10
Market CapQuality
$146.32M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
0.0%3/10

ROE of 0.0% — below average capital efficiency

Piotroski F-ScoreQuality
1/93/10

Weak financial health signals

EPS GrowthGrowth
-88.5%2/10

Earnings declined 88.5%

UWMC4 concerns · Avg: 1.5/10
Revenue GrowthGrowth
-70.6%2/10

Revenue declined 70.6%

Altman Z-ScoreHealth
0.342/10

Distress zone — elevated risk

Profit MarginProfitability
-1.3%1/10

Currently unprofitable

Operating MarginProfitability
-111.0%1/10

Operating margin of -111.0%

Comparative Analysis Report

WallStSmart Research

Bull Case : GHI

The strongest argument for GHI centers on Price/Book, Revenue Growth, Free Cash Flow. Revenue growth of 2513.0% demonstrates continued momentum. PEG of 1.04 suggests the stock is reasonably priced for its growth.

Bull Case : UWMC

The strongest argument for UWMC centers on EPS Growth, Return on Equity.

Bear Case : GHI

The primary concerns for GHI are Market Cap, Return on Equity, Piotroski F-Score. Debt-to-equity of 2.70 is elevated, increasing financial risk.

Bear Case : UWMC

The primary concerns for UWMC are Revenue Growth, Altman Z-Score, Profit Margin. Debt-to-equity of 109.53 is elevated, increasing financial risk.

Key Dynamics to Monitor

GHI profiles as a hypergrowth stock while UWMC is a turnaround play — different risk/reward profiles.

UWMC carries more volatility with a beta of 1.82 — expect wider price swings.

GHI is growing revenue faster at 2513.0% — sustainability is the question.

GHI generates stronger free cash flow (4.8B), providing more financial flexibility.

Bottom Line

GHI scores higher overall (39/100 vs 35/100) and 2513.0% revenue growth. Both earn "Hold" 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.

Greystone Housing Impact Investors LP

FINANCIAL SERVICES · MORTGAGE FINANCE · USA

Greystone Housing Impact Investors LP acquires, holds, sells, and deals in a portfolio of mortgage revenue bonds (MRBs) that are issued to provide construction and/or permanent financing for multifamily and student housing, and residential and commercial properties. The company is headquartered in Omaha, Nebraska.

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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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