WallStSmart

Income Opportunity Realty Investors (IOR)vsUWM Holdings Corp (UWMC)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

IOR leads profitability with a 0.0% profit margin vs -1.3%. UWMC earns a higher WallStSmart Score of 35/100 (F).

IOR

Avoid

25

out of 100

Grade: F

Growth: 2.7Profit: 3.5Value: 5.3Quality: 6.0
Piotroski: 2/9

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

IOR1 strengths · Avg: 10.0/10
Price/BookValuation
0.6x10/10

Reasonable price relative to book value

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

IOR4 concerns · Avg: 3.3/10
Revenue GrowthGrowth
0.0%4/10

0.0% revenue growth

Market CapQuality
$78.56M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
3.2%3/10

ROE of 3.2% — below average capital efficiency

Profit MarginProfitability
0.0%3/10

0.0% margin — thin

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 : IOR

The strongest argument for IOR centers on Price/Book.

Bull Case : UWMC

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

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 Revenue Growth, Altman Z-Score, Profit Margin. Debt-to-equity of 109.53 is elevated, increasing financial risk.

Key Dynamics to Monitor

IOR profiles as a value 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.

IOR is growing revenue faster at 0.0% — sustainability is the question.

UWMC generates stronger free cash flow (335M), providing more financial flexibility.

Bottom Line

UWMC scores higher overall (35/100 vs 25/100). Both earn "Hold" 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.

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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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