UWM Holdings Corp (UWMC)vsVelocity Financial Llc (VEL)
UWMC
UWM Holdings Corp
$2.59
-1.15%
FINANCIAL SERVICES · Cap: $3.85B
VEL
Velocity Financial Llc
$17.48
+0.17%
FINANCIAL SERVICES · Cap: $679.90M
Smart Verdict
WallStSmart Research — data-driven comparison
UWM Holdings Corp generates 1229% more annual revenue ($3.61B vs $271.59M). VEL leads profitability with a 40.0% profit margin vs 1.8%. VEL trades at a lower P/E of 6.2x. VEL earns a higher WallStSmart Score of 74/100 (B).
UWMC
Strong Buy66
out of 100
Grade: B-
VEL
Strong Buy74
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 40 of every $100 in revenue as profit
Strong operational efficiency at 38.2%
Revenue surging 132.1% year-over-year
Areas to Watch
1.8% margin — thin
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Smaller company, higher risk/reward
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : UWMC
The strongest argument for UWMC centers on P/E Ratio, Operating Margin, EPS Growth. Revenue growth of 24.4% demonstrates continued momentum.
Bull Case : VEL
The strongest argument for VEL centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 40.0% and operating margin at 38.2%. Revenue growth of 132.1% demonstrates continued momentum.
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.
Bear Case : VEL
The primary concerns for VEL are Market Cap, Altman Z-Score, Debt/Equity. Debt-to-equity of 9.65 is elevated, increasing financial risk.
Key Dynamics to Monitor
UWMC carries more volatility with a beta of 1.77 — expect wider price swings.
VEL is growing revenue faster at 132.1% — sustainability is the question.
VEL generates stronger free cash flow (12M), providing more financial flexibility.
Monitor MORTGAGE FINANCE industry trends, competitive dynamics, and regulatory changes.
Bottom Line
VEL scores higher overall (74/100 vs 66/100), backed by strong 40.0% margins and 132.1% revenue growth. Both earn "Strong Buy" and "Strong 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.
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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