PennyMac Financial Services, Inc. (PFSI) vs UWM Holdings Corporation (UWMC)
- PennyMac Financial Services, Inc. PFSI 60.32 −1.42%
- UWM Holdings Corporation UWMC 1.05 −8.70%
PennyMac Financial Services, Inc. and UWM Holdings Corporation are both Mortgage Finance companies. PennyMac Financial Services, Inc. is the larger, with a market value of $3.2B against $1.9B — 1.7× the size. UWM Holdings Corporation has negative trailing earnings, so its P/E is not meaningful; PennyMac Financial Services, Inc. trades at 8.0×. PennyMac Financial Services, Inc. grew revenue faster over the last twelve months: 25.9% against 3.22%. PennyMac Financial Services, Inc. has the higher net margin (17.7% vs −1.66%) and the higher return on invested capital (2.17% vs 1.91%). Both pay a dividend; UWM Holdings Corporation yields more (28.6% vs 1.99%). Across the 19 metrics below, PennyMac Financial Services, Inc. leads on 13 and UWM Holdings Corporation on 6.
Valuation
Profitability
| Metric | PFSI | UWMC | Mortgage Finance median |
|---|---|---|---|
| Gross margin | 78.95% | 81.01% | 84.40% |
| Operating margin | 27.59% | 20.72% | 12.51% |
| Net margin | 17.73% | (1.66%) | (0.83%) |
| Free cash flow margin | (83.74%) | (147.01%) | (45.06%) |
| Return on equity | 9.38% | (2.72%) | (1.16%) |
| Return on assets | 1.45% | (0.23%) | 0.38% |
| Return on invested capital | 2.17% | 1.91% | 0.36% |
Growth
Health
Dividend
Size
Any metric, up to five companies and an Excel export Powerpack