Originate residential mortgage loans primarily through wholesale channels. Focus on conforming and government loans to meet diverse borrower needs. Now — the numbers.
This is an established company with proven profits.
The gap is $13.9B. In times of high interest rates, a gap like that can squeeze a company.
The market pays 74.2× for every dollar this company earns in a year — a price that already assumes things go well.
Against companies in its own sector, it looks cheaper than 7% of them.
Analysts' average target sits 116% above today's price.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Clearly below the class average.
Clearly below the class average.
Clearly below the class average.
Clearly below the class average.
Clearly below the class average.
Price Momentum: The stock has lagged the market in recent months; investor interest is weak right now.
Financial Strength: The cash-and-debt balance is thin; the buffer for hard times is slim.
An investor who bought at the very peak is down 86% today. The business is the same; what changed most is the price — and the expectations — the market pins on it.
It pays out $0.40 per share each year — regular cash for whoever holds the stock.
Over the last 4 years, sales grew only 3% a year on average. At this size, speeding back up is not easy.
The company’s market value is 74 times its annual profit. Even a small disappointment could hit the price hard.
Over the last 12 months, executives reported 182 sells against just 38 buys. Not an alarm bell by itself, but a number worth watching.
On our five-subject report card, UWMC sits behind the class. A low grade doesn’t mean “doomed” — it means “big claim, small proof.”
The takeaway: UWMC does earn real profits — but on our report card it still sits behind its class. The real debate isn’t the quality of the business — it’s whether the price paid for the stock is too high.
The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.
Analysts’ average target sits above today’s price, yet the valuation grade (7/100) says the stock isn’t cheap.
Not covered, because the filings we hold do not carry it: the revenue breakdown.