UWM HOLDINGS CORP (UWMC) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:UWMC - US91823B1098 - Common Stock
5.85 USD
+0.08 (+1.39%)
5.85 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to UWMC. 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 expensively, but it does show have an excellent growth rating.
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.
Of the past 5 years UWMC 4 years were profitable.
The reported operating cash flow has been mixed in the past 5 years: UWMC reported negative operating cash flow in multiple years.
1.2 Ratios
With a Return On Assets value of 0.10%, UWMC is not doing good in the industry: 73.47% of the companies in the same industry are doing better.
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.
UWMC has a better Return On Invested Capital (6.81%) than 72.45% of its industry peers.
UWMC had an Average Return On Invested Capital over the past 3 years of 6.93%. This 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
With a Profit Margin value of 0.58%, UWMC is not doing good in the industry: 72.45% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of UWMC has declined.
The Operating Margin of UWMC (47.12%) is better than 85.71% of its industry peers.
In the last couple of years the Operating Margin of UWMC has grown nicely.
UWMC has a better Gross Margin (88.49%) 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.
The number of shares outstanding for UWMC remains at a similar level compared to 1 year ago.
The number of shares outstanding for UWMC has been reduced compared to 5 years ago.
UWMC has a worse debt/assets ratio than last year.
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.
The Altman-Z score of UWMC (0.80) is comparable to the rest of the industry.
UWMC has a Debt/Equity ratio of 81.18. This is a high value indicating a heavy dependency on external 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
UWMC has a Current 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 has a better Current ratio (1.23) than 60.20% of its industry peers.
A Quick Ratio of 1.23 indicates that UWMC should not have too much problems paying its short term obligations.
With a decent Quick ratio value of 1.23, UWMC is doing good in the industry, outperforming 62.24% of the companies in the same industry.
| 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.
Looking at the last year, UWMC shows a quite strong growth in Revenue. The Revenue has grown by 18.70% in the last year.
Measured over the past years, UWMC shows a quite strong growth in Revenue. The Revenue has been growing by 15.91% on average per year.
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
Based on estimates for the next years, UWMC will show a very strong growth in Earnings Per Share. The EPS will grow by 64.05% on average per year.
The Revenue is expected to grow by 16.78% on average over the next years. This is quite good.
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
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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
With a Price/Earnings ratio of 117.00, UWMC can be considered very expensive at the moment.
Based on the Price/Earnings ratio, UWMC is valued a bit more expensive than the industry average as 78.57% of the companies are valued more cheaply.
UWMC's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 26.31.
A Price/Forward Earnings ratio of 12.73 indicates a correct valuation of UWMC.
The rest of the industry has a similar Price/Forward Earnings ratio as UWMC.
UWMC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 36.59.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 117 | ||
| Fwd PE | 12.73 |
4.2 Price Multiples
The rest of the industry has a similar Enterprise Value to EBITDA ratio as UWMC.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 15.81 |
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)4.73
PEG (5Y)N/A
EPS Next 2Y81.17%
EPS Next 3Y64.05%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 7.77%, UWMC is a good candidate for dividend investing.
UWMC's Dividend Yield is rather good when compared to the industry average which is at 5.20. UWMC pays more dividend than 84.69% of the companies in the same industry.
UWMC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.77% |
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
UWMC pays out 393.69% of its income as dividend. This is not a sustainable payout ratio.
DP393.69%
EPS Next 2Y81.17%
EPS Next 3Y64.05%
5.85
+0.08 (+1.39%)
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 Cap9.36B
Revenue(TTM)2.94B
Net Income(TTM)16.89M
Analysts73.33
Price Target7.14 (22.05%)
Short Float %20.03%
Short Ratio3.58
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.77% |
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)13.18%
EPS NQ rev (3m)2.98%
EPS NY rev (1m)-14.91%
EPS NY rev (3m)-47.32%
Revenue NQ rev (1m)7.38%
Revenue NQ rev (3m)0.88%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-11.53%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 117 | ||
| Fwd PE | 12.73 | ||
| P/S | 3.19 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 52.66 | ||
| P/tB | N/A | ||
| EV/EBITDA | 15.81 |
EPS(TTM)0.05
EY0.85%
EPS(NY)0.46
Fwd EY7.85%
FCF(TTM)-2.1
FCFYN/A
OCF(TTM)-2.06
OCFYN/A
SpS1.84
BVpS0.11
TBVpS-1.96
PEG (NY)4.73
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.