UWM HOLDINGS CORP (UWMC) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:UWMC - US91823B1098 - Common Stock
4.87 USD
+0.02 (+0.41%)
4.93 USD
+0.06 (+1.23%)
Taking everything into account, UWMC scores 5 out of 10 in our fundamental rating. UWMC was compared to 99 industry peers in the Financial Services industry. There are concerns on the financial health of UWMC while its profitability can be described as average. UWMC shows excellent growth, but is valued quite expensive already.
1. Profitability
1.1 Basic Checks
UWMC had positive earnings in the past year.
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
Looking at the Return On Assets, with a value of 0.10%, UWMC is doing worse than 70.71% of the companies in the same industry.
UWMC's Return On Equity of 9.50% is in line compared to the rest of the industry. UWMC outperforms 54.55% of its industry peers.
UWMC has a Return On Invested Capital of 6.81%. This is in the better half of the industry: UWMC outperforms 71.72% of its industry peers.
The Average Return On Invested Capital over the past 3 years for UWMC is in line with the industry average of 8.44%.
| 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
The Profit Margin of UWMC (0.58%) is worse than 69.70% of its industry peers.
UWMC's Profit Margin has declined in the last couple of years.
UWMC has a better Operating Margin (47.12%) than 85.86% of its industry peers.
UWMC's Operating Margin has improved in the last couple of years.
UWMC's Gross Margin of 88.49% is amongst the best of the industry. UWMC outperforms 91.92% of its industry peers.
UWMC's Gross Margin has been stable in the last couple of years.
| 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.
UWMC has about the same amout of shares outstanding than it did 1 year ago.
Compared to 5 years ago, UWMC has less shares outstanding
UWMC has a worse debt/assets ratio than last year.
2.2 Solvency
UWMC has an Altman-Z score of 0.75. This is a bad value and indicates that UWMC is not financially healthy and even has some risk of bankruptcy.
UWMC has a Altman-Z score (0.75) which 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.
UWMC's Debt to Equity ratio of 81.18 is on the low side compared to the rest of the industry. UWMC is outperformed by 91.92% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 81.18 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.75 |
ROIC/WACC1.18
WACC5.75%
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 60.61% 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.
Looking at the Quick ratio, with a value of 1.23, UWMC is in the better half of the industry, outperforming 62.63% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.23 | ||
| Quick Ratio | 1.23 |
3. Growth
3.1 Past
UWMC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 155.56%, which is quite impressive.
UWMC shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -49.74% yearly.
Looking at the last year, UWMC shows a quite strong growth in Revenue. The Revenue has grown by 18.70% in the last year.
UWMC shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 15.91% yearly.
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 65.31% on average per year.
The Revenue is expected to grow by 21.50% on average over the next years. This is a very strong growth
EPS Next Y20.58%
EPS Next 2Y83%
EPS Next 3Y65.31%
EPS Next 5YN/A
Revenue Next Year28.53%
Revenue Next 2Y26.75%
Revenue Next 3Y21.5%
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 accelerating.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 97.40, 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 74.75% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 26.39. UWMC is valued rather expensively when compared to this.
UWMC is valuated reasonably with a Price/Forward Earnings ratio of 10.39.
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 23.84.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 97.4 | ||
| Fwd PE | 10.39 |
4.2 Price Multiples
UWMC's Enterprise Value to EBITDA is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 14.8 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates UWMC does not grow enough to justify the current Price/Earnings ratio.
A more expensive valuation may be justified as UWMC's earnings are expected to grow with 65.31% in the coming years.
PEG (NY)4.73
PEG (5Y)N/A
EPS Next 2Y83%
EPS Next 3Y65.31%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 8.25%, UWMC is a good candidate for dividend investing.
The stock price of UWMC dropped by -23.91% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
UWMC's Dividend Yield is rather good when compared to the industry average which is at 2.43. UWMC pays more dividend than 93.94% of the companies in the same industry.
UWMC's Dividend Yield is rather good when compared to the S&P500 average which is at 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.25% |
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 2Y83%
EPS Next 3Y65.31%
4.87
+0.02 (+0.41%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners66.04%
Inst Owner Change27.96%
Ins Owners7.4%
Ins Owner Change0.16%
Market Cap7.79B
Revenue(TTM)2.94B
Net Income(TTM)16.89M
Analysts73.33
Price Target7.14 (46.61%)
Short Float %15.37%
Short Ratio3.49
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.25% |
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)3.7%
PT rev (3m)18.79%
EPS NQ rev (1m)-4.2%
EPS NQ rev (3m)19.3%
EPS NY rev (1m)-3.33%
EPS NY rev (3m)-49.08%
Revenue NQ rev (1m)8.04%
Revenue NQ rev (3m)16.02%
Revenue NY rev (1m)5.4%
Revenue NY rev (3m)-2.66%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 97.4 | ||
| Fwd PE | 10.39 | ||
| P/S | 2.65 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 43.85 | ||
| P/tB | N/A | ||
| EV/EBITDA | 14.8 |
EPS(TTM)0.05
EY1.03%
EPS(NY)0.47
Fwd EY9.63%
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 | 0.75 |
F-Score4
WACC5.75%
ROIC/WACC1.18
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 Y20.58%
EPS Next 2Y83%
EPS Next 3Y65.31%
EPS Next 5YN/A
Revenue 1Y (TTM)18.7%
Revenue growth 3Y-9.08%
Revenue growth 5Y15.91%
Sales Q2Q%60.18%
Revenue Next Year28.53%
Revenue Next 2Y26.75%
Revenue Next 3Y21.5%
Revenue Next 5YN/A
EBIT growth 1Y11.66%
EBIT growth 3Y-18.51%
EBIT growth 5Y18.21%
EBIT Next Year-28.99%
EBIT Next 3Y22.28%
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 5 / 10 to UWMC.
Can you provide the valuation status for UWM HOLDINGS CORP?
ChartMill assigns a valuation rating of 3 / 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 20.58% in the next year.