PennyMac Financial Services, Inc. (PFSI) vs UWM Holdings Corporation (UWMC)
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 $3.4B against $2.0B — 1.7× the size. UWM Holdings Corporation has negative trailing earnings, so its P/E is not meaningful; PennyMac Financial Services, Inc. trades at 8.7×. 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 (5.81% vs 0.89%). Across the 21 metrics below, PennyMac Financial Services, Inc. leads on 14 and UWM Holdings Corporation on 7.
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