WallStSmart

PennyMac Finl Svcs Inc (PFSI)vsUWM Holdings Corp (UWMC)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

UWM Holdings Corp generates 9% more annual revenue ($3.61B vs $3.32B). PFSI leads profitability with a 15.3% profit margin vs 1.8%. UWMC trades at a lower P/E of 7.9x. UWMC earns a higher WallStSmart Score of 66/100 (B-).

PFSI

Buy

57

out of 100

Grade: C

Growth: 6.0Profit: 6.0Value: 5.7Quality: 3.3
Piotroski: 3/9

UWMC

Strong Buy

66

out of 100

Grade: B-

Growth: 8.7Profit: 7.5Value: 6.7Quality: 3.8
Piotroski: 5/9Altman Z: 0.34

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

PFSI2 strengths · Avg: 10.0/10
P/E RatioValuation
8.7x10/10

Attractively priced relative to earnings

Price/BookValuation
1.0x10/10

Reasonable price relative to book value

UWMC5 strengths · Avg: 9.4/10
P/E RatioValuation
7.9x10/10

Attractively priced relative to earnings

Operating MarginProfitability
40.7%10/10

Strong operational efficiency at 40.7%

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

Revenue GrowthGrowth
24.4%8/10

Revenue surging 24.4% year-over-year

Areas to Watch

PFSI4 concerns · Avg: 2.3/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

PEG RatioValuation
4.672/10

Expensive relative to growth rate

Revenue GrowthGrowth
-16.6%2/10

Revenue declined 16.6%

Free Cash FlowQuality
$-1.25B2/10

Negative free cash flow — burning cash

UWMC4 concerns · Avg: 2.0/10
Profit MarginProfitability
1.8%3/10

1.8% margin — thin

Free Cash FlowQuality
$-2.25B2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
0.342/10

Distress zone — elevated risk

Debt/EquityHealth
70.651/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : PFSI

The strongest argument for PFSI centers on P/E Ratio, Price/Book. Profitability is solid with margins at 15.3% and operating margin at 14.6%.

Bull Case : UWMC

The strongest argument for UWMC centers on P/E Ratio, Operating Margin, EPS Growth. Revenue growth of 24.4% demonstrates continued momentum.

Bear Case : PFSI

The primary concerns for PFSI are Piotroski F-Score, PEG Ratio, Revenue Growth. Debt-to-equity of 3.98 is elevated, increasing financial risk.

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.

Key Dynamics to Monitor

PFSI profiles as a declining stock while UWMC is a growth play — different risk/reward profiles.

UWMC carries more volatility with a beta of 1.77 — expect wider price swings.

UWMC is growing revenue faster at 24.4% — sustainability is the question.

PFSI generates stronger free cash flow (-1.2B), providing more financial flexibility.

Bottom Line

UWMC scores higher overall (66/100 vs 57/100) and 24.4% revenue growth. Both earn "Strong Buy" and "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.

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.

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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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