UWM Holdings Corp (UWMC)vsVelocity Financial Llc (VEL)
UWMC
UWM Holdings Corp
$1.35
+0.75%
FINANCIAL SERVICES · Cap: $3.98B
VEL
Velocity Financial Llc
$17.97
-0.83%
FINANCIAL SERVICES · Cap: $727.64M
Smart Verdict
WallStSmart Research — data-driven comparison
UWM Holdings Corp generates 930% more annual revenue ($2.93B vs $284.11M). VEL leads profitability with a 37.9% profit margin vs -1.3%. VEL earns a higher WallStSmart Score of 64/100 (C+).
UWMC
Hold35
out of 100
Grade: F
VEL
Buy64
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Earnings expanding 277.8% YoY
Every $100 of equity generates 29 in profit
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 38 of every $100 in revenue as profit
Strong operational efficiency at 52.1%
Revenue surging 22.7% year-over-year
Areas to Watch
Revenue declined 70.6%
Distress zone — elevated risk
Currently unprofitable
Operating margin of -111.0%
Smaller company, higher risk/reward
Earnings declined 6.9%
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : UWMC
The strongest argument for UWMC centers on EPS Growth, Return on Equity.
Bull Case : VEL
The strongest argument for VEL centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 37.9% and operating margin at 52.1%. Revenue growth of 22.7% demonstrates continued momentum.
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.
Bear Case : VEL
The primary concerns for VEL are Market Cap, EPS Growth, Altman Z-Score. Debt-to-equity of 9.77 is elevated, increasing financial risk.
Key Dynamics to Monitor
UWMC profiles as a turnaround stock while VEL is a growth play — different risk/reward profiles.
UWMC carries more volatility with a beta of 1.82 — expect wider price swings.
VEL is growing revenue faster at 22.7% — sustainability is the question.
UWMC generates stronger free cash flow (335M), providing more financial flexibility.
Bottom Line
VEL scores higher overall (64/100 vs 35/100), backed by strong 37.9% margins and 22.7% revenue growth. Both earn "Buy" 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.
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.
Velocity Financial Llc
FINANCIAL SERVICES · MORTGAGE FINANCE · USA
Velocity Financial, Inc. is a real estate finance company in the United States. The company is headquartered in Westlake Village, California.
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