UWM HOLDINGS CORP (UWMC) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:UWMC - US91823B1098 - Common Stock
5.67 USD
+0.03 (+0.53%)
5.7 USD
+0.03 (+0.53%)
Taking everything into account, UWMC scores 4 out of 10 in our fundamental rating. UWMC was compared to 98 industry peers in the Financial Services industry. UWMC has a medium profitability rating, but doesn't score so well on its financial health evaluation. UWMC is valued quite expensive, but it does show an excellent growth.
1. Profitability
1.1 Basic Checks
In the past year UWMC was profitable.
In the past year UWMC has reported a negative cash flow from operations.
UWMC had positive earnings in 4 of the past 5 years.
In multiple years UWMC reported negative operating cash flow during the last 5 years.
1.2 Ratios
The Return On Assets of UWMC (0.10%) is worse than 73.47% of its industry peers.
UWMC has a Return On Equity of 9.50%. This is comparable to the rest of the industry: UWMC outperforms 53.06% of its industry peers.
The Return On Invested Capital of UWMC (6.81%) is better than 72.45% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for UWMC is in line with the industry average of 8.20%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.1% | ||
| ROE | 9.5% | ||
| ROIC | 6.81% |
ROA(3y)0.1%
ROA(5y)6.03%
ROE(3y)8.71%
ROE(5y)47.58%
ROIC(3y)6.93%
ROIC(5y)11.31%
1.3 Margins
Looking at the Profit Margin, with a value of 0.58%, UWMC is doing worse than 72.45% of the companies in the same industry.
In the last couple of years the Profit Margin of UWMC has declined.
With an excellent Operating Margin value of 47.12%, UWMC belongs to the best of the industry, outperforming 85.71% of the companies in the same industry.
In the last couple of years the Operating Margin of UWMC has grown nicely.
The Gross Margin of UWMC (88.49%) is better than 90.82% of its industry peers.
In the last couple of years the Gross Margin of UWMC has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 47.12% | ||
| PM (TTM) | 0.58% | ||
| GM | 88.49% |
OM growth 3Y-10.37%
OM growth 5Y1.99%
PM growth 3Y-42.03%
PM growth 5Y-55.95%
GM growth 3Y-2.21%
GM growth 5Y-1.33%
2. Health
2.1 Basic Checks
UWMC has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
Compared to 1 year ago, UWMC has about the same amount of shares outstanding.
The number of shares outstanding for UWMC has been reduced compared to 5 years ago.
The debt/assets ratio for UWMC is higher compared to a year ago.
2.2 Solvency
UWMC has an Altman-Z score of 0.80. This is a bad value and indicates that UWMC is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 0.80, UWMC is in line with its industry, outperforming 54.08% of the companies in the same industry.
A Debt/Equity ratio of 81.18 is on the high side and indicates that UWMC has dependencies on debt financing.
Looking at the Debt to Equity ratio, with a value of 81.18, UWMC is doing worse than 90.82% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 81.18 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.8 |
ROIC/WACC1.15
WACC5.92%
2.3 Liquidity
A Current Ratio of 1.23 indicates that UWMC should not have too much problems paying its short term obligations.
Looking at the Current ratio, with a value of 1.23, UWMC is in the better half of the industry, outperforming 60.20% of the companies in the same industry.
UWMC has a Quick Ratio of 1.23. This is a normal value and indicates that UWMC is financially healthy and should not expect problems in meeting its short term obligations.
UWMC's Quick ratio of 1.23 is fine compared to the rest of the industry. UWMC outperforms 62.24% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.23 | ||
| Quick Ratio | 1.23 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 155.56% over the past year.
Measured over the past years, UWMC shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -49.74% on average per year.
The Revenue has grown by 18.70% in the past year. This is quite good.
The Revenue has been growing by 15.91% on average over the past years. This is quite good.
EPS 1Y (TTM)155.56%
EPS 3Y-42.85%
EPS 5Y-49.74%
EPS Q2Q%0%
Revenue 1Y (TTM)18.7%
Revenue growth 3Y-9.08%
Revenue growth 5Y15.91%
Sales Q2Q%60.18%
3.2 Future
The Earnings Per Share is expected to grow by 64.05% on average over the next years. This is a very strong growth
UWMC is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 16.78% yearly.
EPS Next Y24.73%
EPS Next 2Y81.17%
EPS Next 3Y64.05%
EPS Next 5YN/A
Revenue Next Year21.94%
Revenue Next 2Y17.12%
Revenue Next 3Y16.78%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 113.40, the valuation of UWMC can be described as expensive.
Compared to the rest of the industry, the Price/Earnings ratio of UWMC indicates a slightly more expensive valuation: UWMC is more expensive than 78.57% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.37, UWMC is valued quite expensively.
With a Price/Forward Earnings ratio of 12.34, UWMC is valued correctly.
The rest of the industry has a similar Price/Forward Earnings ratio as UWMC.
UWMC is valuated cheaply when we compare the Price/Forward Earnings ratio to 36.20, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 113.4 | ||
| Fwd PE | 12.34 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of UWMC is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 15.7 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
A more expensive valuation may be justified as UWMC's earnings are expected to grow with 64.05% in the coming years.
PEG (NY)4.59
PEG (5Y)N/A
EPS Next 2Y81.17%
EPS Next 3Y64.05%
5. Dividend
5.1 Amount
UWMC has a Yearly Dividend Yield of 6.84%, which is a nice return.
UWMC's Dividend Yield is rather good when compared to the industry average which is at 4.97. UWMC pays more dividend than 85.71% of the companies in the same industry.
UWMC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.84% |
5.2 History
UWMC has been paying a dividend for over 5 years, so it has already some track record.
UWMC has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years3
5.3 Sustainability
393.69% of the earnings are spent on dividend by UWMC. This is not a sustainable payout ratio.
DP393.69%
EPS Next 2Y81.17%
EPS Next 3Y64.05%
5.67
+0.03 (+0.53%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners59.43%
Inst Owner Change27.96%
Ins Owners9.35%
Ins Owner Change0.16%
Market Cap9.07B
Revenue(TTM)2.94B
Net Income(TTM)16.89M
Analysts73.33
Price Target7.14 (25.93%)
Short Float %15.4%
Short Ratio3.4
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.84% |
Yearly Dividend0.02
Dividend Growth(5Y)N/A
DP393.69%
Div Incr Years0
Div Non Decr Years3
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)34.44%
Min EPS beat(2)-85.15%
Max EPS beat(2)154.03%
EPS beat(4)1
Avg EPS beat(4)-87.75%
Min EPS beat(4)-319.9%
Max EPS beat(4)154.03%
EPS beat(8)2
Avg EPS beat(8)-135.61%
EPS beat(12)4
Avg EPS beat(12)-116.51%
EPS beat(16)7
Avg EPS beat(16)-30.71%
Revenue beat(2)2
Avg Revenue beat(2)12.2%
Min Revenue beat(2)6.71%
Max Revenue beat(2)17.68%
Revenue beat(4)3
Avg Revenue beat(4)5.05%
Min Revenue beat(4)-12.14%
Max Revenue beat(4)17.68%
Revenue beat(8)4
Avg Revenue beat(8)-13.75%
Revenue beat(12)7
Avg Revenue beat(12)-5.69%
Revenue beat(16)11
Avg Revenue beat(16)2%
PT rev (1m)18.79%
PT rev (3m)18.79%
EPS NQ rev (1m)31.43%
EPS NQ rev (3m)26.27%
EPS NY rev (1m)-14.91%
EPS NY rev (3m)-47.32%
Revenue NQ rev (1m)16.02%
Revenue NQ rev (3m)13.28%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-11.53%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 113.4 | ||
| Fwd PE | 12.34 | ||
| P/S | 3.09 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 51.06 | ||
| P/tB | N/A | ||
| EV/EBITDA | 15.7 |
EPS(TTM)0.05
EY0.88%
EPS(NY)0.46
Fwd EY8.1%
FCF(TTM)-2.1
FCFYN/A
OCF(TTM)-2.06
OCFYN/A
SpS1.84
BVpS0.11
TBVpS-1.96
PEG (NY)4.59
PEG (5Y)N/A
Graham Number0.35
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.1% | ||
| ROE | 9.5% | ||
| ROCE | 8.67% | ||
| ROIC | 6.81% | ||
| ROICexc | 7.2% | ||
| ROICexgc | 10.17% | ||
| OM | 47.12% | ||
| PM (TTM) | 0.58% | ||
| GM | 88.49% | ||
| FCFM | N/A |
ROA(3y)0.1%
ROA(5y)6.03%
ROE(3y)8.71%
ROE(5y)47.58%
ROIC(3y)6.93%
ROIC(5y)11.31%
ROICexc(3y)7.24%
ROICexc(5y)12.27%
ROICexgc(3y)12.36%
ROICexgc(5y)17.24%
ROCE(3y)8.83%
ROCE(5y)14.37%
ROICexgc growth 3Y-0.64%
ROICexgc growth 5Y5.54%
ROICexc growth 3Y-8.02%
ROICexc growth 5Y-0.21%
OM growth 3Y-10.37%
OM growth 5Y1.99%
PM growth 3Y-42.03%
PM growth 5Y-55.95%
GM growth 3Y-2.21%
GM growth 5Y-1.33%
F-Score4
Asset Turnover0.17
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 81.18 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 10.05 | ||
| Cap/Depr | 115.52% | ||
| Cap/Sales | 2.06% | ||
| Interest Coverage | 2.6 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.23 | ||
| Quick Ratio | 1.23 | ||
| Altman-Z | 0.8 |
F-Score4
WACC5.92%
ROIC/WACC1.15
Cap/Depr(3y)62.51%
Cap/Depr(5y)76.78%
Cap/Sales(3y)1.32%
Cap/Sales(5y)1.39%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)155.56%
EPS 3Y-42.85%
EPS 5Y-49.74%
EPS Q2Q%0%
EPS Next Y24.73%
EPS Next 2Y81.17%
EPS Next 3Y64.05%
EPS Next 5YN/A
Revenue 1Y (TTM)18.7%
Revenue growth 3Y-9.08%
Revenue growth 5Y15.91%
Sales Q2Q%60.18%
Revenue Next Year21.94%
Revenue Next 2Y17.12%
Revenue Next 3Y16.78%
Revenue Next 5YN/A
EBIT growth 1Y11.66%
EBIT growth 3Y-18.51%
EBIT growth 5Y18.21%
EBIT Next Year-23.65%
EBIT Next 3Y18.59%
EBIT Next 5YN/A
FCF growth 1Y-61.62%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-60.71%
OCF growth 3YN/A
OCF growth 5YN/A
UWM HOLDINGS CORP / UWMC FAQ
Can you provide the ChartMill fundamental rating for UWM HOLDINGS CORP?
ChartMill assigns a fundamental rating of 4 / 10 to UWMC.
Can you provide the valuation status for UWM HOLDINGS CORP?
ChartMill assigns a valuation rating of 2 / 10 to UWM HOLDINGS CORP (UWMC). This can be considered as Overvalued.
How profitable is UWM HOLDINGS CORP (UWMC) stock?
UWM HOLDINGS CORP (UWMC) has a profitability rating of 4 / 10.
Can you provide the financial health for UWMC stock?
The financial health rating of UWM HOLDINGS CORP (UWMC) is 3 / 10.
What is the earnings growth outlook for UWM HOLDINGS CORP?
The Earnings per Share (EPS) of UWM HOLDINGS CORP (UWMC) is expected to grow by 24.73% in the next year.