Income Opportunity Realty Investors (IOR)vsUWM Holdings Corp (UWMC)
IOR
Income Opportunity Realty Investors
$18.01
0.00%
FINANCIAL SERVICES · Cap: $76.04M
UWMC
UWM Holdings Corp
$3.53
-2.22%
FINANCIAL SERVICES · Cap: $5.79B
Smart Verdict
WallStSmart Research — data-driven comparison
UWMC leads profitability with a 0.8% profit margin vs 0.0%. IOR trades at a lower P/E of 18.5x. UWMC earns a higher WallStSmart Score of 62/100 (C+).
IOR
Avoid25
out of 100
Grade: F
UWMC
Buy62
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-162.0%
Fair Value
$6.87
Current Price
$18.01
$11.14 premium
Margin of Safety
+16.9%
Fair Value
$5.62
Current Price
$3.53
$2.09 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 31.0%
Areas to Watch
0.0% revenue growth
Smaller company, higher risk/reward
ROE of 3.4% — below average capital efficiency
0.0% margin — thin
Premium valuation, high expectations priced in
3.0% revenue growth
2.8% earnings growth
0.8% margin — thin
Comparative Analysis Report
WallStSmart ResearchBull Case : IOR
The strongest argument for IOR centers on Price/Book.
Bull Case : UWMC
The strongest argument for UWMC centers on Operating Margin.
Bear Case : IOR
The primary concerns for IOR are Revenue Growth, Market Cap, Return on Equity.
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.
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.
Monitor MORTGAGE FINANCE industry trends, competitive dynamics, and regulatory changes.
Bottom Line
UWMC scores higher overall (62/100 vs 25/100). Both earn "Buy" and "Avoid" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Income Opportunity Realty Investors
FINANCIAL SERVICES · MORTGAGE FINANCE · USA
Income Opportunity Realty Investors, Inc., a Dallas-based real estate investment firm, has a portfolio of real estate stocks in Texas, including undeveloped land.
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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