PennyMac Finl Svcs Inc (PFSI)vsUWM Holdings Corp (UWMC)
PFSI
PennyMac Finl Svcs Inc
$70.36
+0.79%
FINANCIAL SERVICES · Cap: $3.74B
UWMC
UWM Holdings Corp
$1.35
+0.75%
FINANCIAL SERVICES · Cap: $3.98B
Smart Verdict
WallStSmart Research — data-driven comparison
PennyMac Finl Svcs Inc generates 14% more annual revenue ($3.33B vs $2.93B). PFSI leads profitability with a 11.8% profit margin vs -1.3%. PFSI earns a higher WallStSmart Score of 48/100 (D+).
PFSI
Hold48
out of 100
Grade: D+
UWMC
Hold35
out of 100
Grade: F
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Generating 2.0B in free cash flow
Earnings expanding 277.8% YoY
Every $100 of equity generates 29 in profit
Areas to Watch
1.8% revenue growth
Operating margin of 4.5%
Expensive relative to growth rate
Earnings declined 83.9%
Revenue declined 70.6%
Distress zone — elevated risk
Currently unprofitable
Operating margin of -111.0%
Comparative Analysis Report
WallStSmart ResearchBull Case : PFSI
The strongest argument for PFSI centers on P/E Ratio, Price/Book, Free Cash Flow.
Bull Case : UWMC
The strongest argument for UWMC centers on EPS Growth, Return on Equity.
Bear Case : PFSI
The primary concerns for PFSI are Revenue Growth, Operating Margin, PEG Ratio. Debt-to-equity of 5.46 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
PFSI 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.
PFSI is growing revenue faster at 1.8% — sustainability is the question.
PFSI generates stronger free cash flow (2.0B), providing more financial flexibility.
Bottom Line
PFSI scores higher overall (48/100 vs 35/100). 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.
PennyMac Finl Svcs Inc
FINANCIAL SERVICES · MORTGAGE FINANCE · USA
PennyMac Financial Services, Inc. is engaged in investment management and mortgage banking activities in the United States. The company is headquartered in Westlake Village, California.
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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