Rocket Companies Inc (RKT)vsUWM Holdings Corp (UWMC)
RKT
Rocket Companies Inc
$12.65
-4.38%
FINANCIAL SERVICES · Cap: $36.98B
UWMC
UWM Holdings Corp
$2.59
-1.15%
FINANCIAL SERVICES · Cap: $3.85B
Smart Verdict
WallStSmart Research — data-driven comparison
Rocket Companies Inc generates 147% more annual revenue ($8.91B vs $3.61B). RKT leads profitability with a 2.7% profit margin vs 1.8%. UWMC earns a higher WallStSmart Score of 66/100 (B-).
RKT
Buy60
out of 100
Grade: C+
UWMC
Strong Buy66
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Revenue surging 167.1% year-over-year
Reasonable price relative to book value
Strong operational efficiency at 28.1%
Generating 1.8B in free cash flow
Attractively priced relative to earnings
Strong operational efficiency at 40.7%
Earnings expanding 277.8% YoY
Every $100 of equity generates 29 in profit
Revenue surging 24.4% year-over-year
Areas to Watch
ROE of 1.0% — below average capital efficiency
2.7% margin — thin
Elevated debt levels
Weak financial health signals
1.8% margin — thin
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : RKT
The strongest argument for RKT centers on PEG Ratio, Revenue Growth, Price/Book. Revenue growth of 167.1% demonstrates continued momentum. PEG of 0.44 suggests the stock is reasonably priced for its growth.
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 : RKT
The primary concerns for RKT are Return on Equity, Profit Margin, Debt/Equity. Thin 2.7% margins leave little buffer for downturns.
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
RKT profiles as a hypergrowth stock while UWMC is a growth play — different risk/reward profiles.
RKT carries more volatility with a beta of 2.20 — expect wider price swings.
RKT is growing revenue faster at 167.1% — sustainability is the question.
RKT generates stronger free cash flow (1.8B), providing more financial flexibility.
Bottom Line
UWMC scores higher overall (66/100 vs 60/100) 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.
Rocket Companies Inc
FINANCIAL SERVICES · MORTGAGE FINANCE · USA
Rocket Companies, Inc. is engaged in the technology-driven real estate, mortgage and e-commerce businesses in the United States and Canada. The company is headquartered in Detroit, Michigan.
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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