UWM Holdings Corp (UWMC)vsWells Fargo & Company (WFC)
UWMC
UWM Holdings Corp
$3.47
-4.93%
FINANCIAL SERVICES · Cap: $5.65B
WFC
Wells Fargo & Company
$82.23
+0.88%
FINANCIAL SERVICES · Cap: $249.77B
Smart Verdict
WallStSmart Research — data-driven comparison
Wells Fargo & Company generates 2246% more annual revenue ($81.14B vs $3.46B). WFC leads profitability with a 26.7% profit margin vs 0.8%. WFC trades at a lower P/E of 12.6x. WFC earns a higher WallStSmart Score of 74/100 (B).
UWMC
Buy61
out of 100
Grade: C+
WFC
Strong Buy74
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Strong operational efficiency at 31.0%
Revenue surging 301.0% year-over-year
Earnings expanding 277.8% YoY
Mega-cap, among the largest globally
Keeps 27 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 29.4%
Generating 4.1B in free cash flow
Areas to Watch
Moderate valuation
0.8% margin — thin
Distress zone — elevated risk
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : UWMC
The strongest argument for UWMC centers on Operating Margin, Revenue Growth, EPS Growth. Revenue growth of 301.0% demonstrates continued momentum.
Bull Case : WFC
The strongest argument for WFC centers on Market Cap, Profit Margin, P/E Ratio. Profitability is solid with margins at 26.7% and operating margin at 29.4%. PEG of 1.45 suggests the stock is reasonably priced for its growth.
Bear Case : UWMC
The primary concerns for UWMC are P/E Ratio, Profit Margin, Altman Z-Score. Thin 0.8% margins leave little buffer for downturns.
Bear Case : WFC
The primary concerns for WFC are Altman Z-Score.
Key Dynamics to Monitor
UWMC profiles as a hypergrowth stock while WFC is a mature play — different risk/reward profiles.
UWMC carries more volatility with a beta of 1.98 — expect wider price swings.
UWMC is growing revenue faster at 301.0% — sustainability is the question.
WFC generates stronger free cash flow (4.1B), providing more financial flexibility.
Bottom Line
WFC scores higher overall (74/100 vs 61/100), backed by strong 26.7% margins. 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.
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.
Wells Fargo & Company
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Wells Fargo & Company is an American multinational financial services company with corporate headquarters in San Francisco, California, operational headquarters in Manhattan, and managerial offices throughout the United States and overseas.
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