PennyMac Finl Svcs Inc (PFSI)vsUWM Holdings Corp (UWMC)
PFSI
PennyMac Finl Svcs Inc
$86.43
+2.53%
FINANCIAL SERVICES · Cap: $4.51B
UWMC
UWM Holdings Corp
$3.53
-2.22%
FINANCIAL SERVICES · Cap: $5.79B
Smart Verdict
WallStSmart Research — data-driven comparison
PennyMac Finl Svcs Inc generates 0% more annual revenue ($3.46B vs $3.46B). PFSI leads profitability with a 14.5% profit margin vs 0.8%. PFSI trades at a lower P/E of 9.3x. UWMC earns a higher WallStSmart Score of 62/100 (C+).
PFSI
Buy62
out of 100
Grade: C+
UWMC
Buy62
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-25.3%
Fair Value
$72.17
Current Price
$86.43
$14.26 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
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 31.0%
Areas to Watch
0.6% earnings growth
Weak financial health signals
Expensive relative to growth rate
Negative free cash flow — burning cash
Premium valuation, high expectations priced in
3.0% revenue growth
2.8% earnings growth
0.8% margin — thin
Comparative Analysis Report
WallStSmart ResearchBull Case : PFSI
The strongest argument for PFSI centers on P/E Ratio, Price/Book.
Bull Case : UWMC
The strongest argument for UWMC centers on Operating Margin.
Bear Case : PFSI
The primary concerns for PFSI are EPS Growth, Piotroski F-Score, PEG Ratio. Debt-to-equity of 5.35 is elevated, increasing financial risk.
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.
PFSI is growing revenue faster at 5.1% — sustainability is the question.
UWMC generates stronger free cash flow (82M), providing more financial flexibility.
Monitor MORTGAGE FINANCE industry trends, competitive dynamics, and regulatory changes.
Bottom Line
PFSI scores higher overall (62/100 vs 62/100). UWMC offers better value entry with a 16.9% margin of safety. Both earn "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.
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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