On the stock market since 2020, it operates in the world of money and finance. It has 9,100 employees. Now — the numbers.
This is an established company with proven profits.
No real growth (3% a year). Red columns mark years that ended in a loss.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Clearly above the class average — a step short of the very top.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
The price isn’t cheap next to earnings — that’s why this grade sits in the middle.
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 capital buffer looks thin next to its class; less room to absorb a rough stretch.
angles, checked one by one.
The 4 that stand out are on screen; the rest came back neutral.
The council scores out of 10; report-card grades are out of 100.
Executive Buying: The trades send no strong signal of confidence.
An investor who bought at the very peak is down 78% today. The business is the same; what changed most is the price — and the expectations — the market pins on it.
Over the last 3 years, sales grew about 14% a year on average.
The average analyst price target is $4.90 — 139% above today’s price.
It pays out $0.40 per share each year — regular cash for whoever holds the stock.
The company’s market value is 113 times its annual profit. Even a small disappointment could hit the price hard.
Over the last 12 months, executives reported 249 sells against just 40 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 is an established business that has proven its profits for years. The real debate isn’t the quality of the business — it’s what that quality should cost.
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 (53/100) says the stock isn’t cheap.