stockrowPennyMac Financial Services, Inc. (PFSI) vs UWM Holdings Corporation (UWMC)
- PennyMac Financial Services, Inc. PFSI 65.59 −2.24%
- UWM Holdings Corporation UWMC 1.52 −6.75%
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 $3.5B against $2.6B — 1.3× the size. UWM Holdings Corporation has negative trailing earnings, so its P/E is not meaningful; PennyMac Financial Services, Inc. trades at 14.2×. PennyMac Financial Services, Inc. grew revenue faster over the last twelve months: 3.54% against 3.22%. PennyMac Financial Services, Inc. has the higher net margin (11.7% vs −1.66%) and the lower return on invested capital (1.51% vs 1.91%). Both pay a dividend; UWM Holdings Corporation yields more (19.7% vs 1.84%). Across the 19 metrics below, PennyMac Financial Services, Inc. leads on 11 and UWM Holdings Corporation on 8.
Valuation
Profitability
| Metric | PFSI | UWMC | Mortgage Finance median |
|---|---|---|---|
| Gross margin | 76.78% | 81.01% | 81.25% |
| Operating margin | 20.37% | 20.72% | 1.91% |
| Net margin | 11.69% | (1.66%) | (1.66%) |
| Free cash flow margin | (15.01%) | (147.01%) | (15.01%) |
| Return on equity | 5.59% | (2.72%) | (1.94%) |
| Return on assets | 0.87% | (0.23%) | (0.23%) |
| Return on invested capital | 1.51% | 1.91% | 0.00% |
Growth
Health
Dividend
Size
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