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UNITED HOMES GROUP INC (UHG) Stock Fundamental Analysis

NASDAQ:UHG - Nasdaq - US91060H1086 - Common Stock - Currency: USD

3.87  -0.19 (-4.68%)

Fundamental Rating

4

Taking everything into account, UHG scores 4 out of 10 in our fundamental rating. UHG was compared to 63 industry peers in the Household Durables industry. UHG has an average financial health and profitability rating. UHG has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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5

1. Profitability

1.1 Basic Checks

UHG had positive earnings in the past year.
UHG had a positive operating cash flow in the past year.
UHG had positive earnings in each of the past 5 years.
In the past 5 years UHG always reported a positive cash flow from operatings.
UHG Yearly Net Income VS EBIT VS OCF VS FCFUHG Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

1.2 Ratios

Looking at the Return On Assets, with a value of 15.08%, UHG belongs to the top of the industry, outperforming 95.24% of the companies in the same industry.
Looking at the Return On Equity, with a value of 46.09%, UHG belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
UHG's Return On Invested Capital of 1.39% is on the low side compared to the rest of the industry. UHG is outperformed by 66.67% of its industry peers.
UHG had an Average Return On Invested Capital over the past 3 years of 12.27%. This is in line with the industry average of 10.39%.
The 3 year average ROIC (12.27%) for UHG is well above the current ROIC(1.39%). The reason for the recent decline needs to be investigated.
Industry RankSector Rank
ROA 15.08%
ROE 46.09%
ROIC 1.39%
ROA(3y)30.97%
ROA(5y)30.68%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)12.27%
ROIC(5y)18.54%
UHG Yearly ROA, ROE, ROICUHG Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 2024 0 100 -100 -200 -300 -400

1.3 Margins

UHG has a Profit Margin of 8.92%. This is in the better half of the industry: UHG outperforms 73.02% of its industry peers.
UHG's Profit Margin has been stable in the last couple of years.
UHG's Operating Margin of 0.90% is on the low side compared to the rest of the industry. UHG is outperformed by 68.25% of its industry peers.
UHG's Operating Margin has declined in the last couple of years.
UHG's Gross Margin of 17.31% is on the low side compared to the rest of the industry. UHG is outperformed by 84.13% of its industry peers.
UHG's Gross Margin has declined in the last couple of years.
Industry RankSector Rank
OM 0.9%
PM (TTM) 8.92%
GM 17.31%
OM growth 3Y-57.46%
OM growth 5Y-36.11%
PM growth 3Y-11.14%
PM growth 5Y-0.55%
GM growth 3Y-9.52%
GM growth 5Y-3.19%
UHG Yearly Profit, Operating, Gross MarginsUHG Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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5

2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so UHG is still creating some value.
The number of shares outstanding for UHG has been increased compared to 1 year ago.
The debt/assets ratio for UHG has been reduced compared to a year ago.
UHG Yearly Shares OutstandingUHG Yearly Shares OutstandingYearly Shares Outstanding 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M
UHG Yearly Total Debt VS Total AssetsUHG Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2020 2021 2022 2023 2024 50M 100M 150M 200M 250M

2.2 Solvency

An Altman-Z score of 3.32 indicates that UHG is not in any danger for bankruptcy at the moment.
UHG's Altman-Z score of 3.32 is in line compared to the rest of the industry. UHG outperforms 55.56% of its industry peers.
UHG has a debt to FCF ratio of 3.49. This is a good value and a sign of high solvency as UHG would need 3.49 years to pay back of all of its debts.
UHG's Debt to FCF ratio of 3.49 is fine compared to the rest of the industry. UHG outperforms 68.25% of its industry peers.
UHG has a Debt/Equity ratio of 1.38. This is a high value indicating a heavy dependency on external financing.
UHG's Debt to Equity ratio of 1.38 is on the low side compared to the rest of the industry. UHG is outperformed by 84.13% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.38
Debt/FCF 3.49
Altman-Z 3.32
ROIC/WACC0.12
WACC11.5%
UHG Yearly LT Debt VS Equity VS FCFUHG Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2019 2020 2021 2022 2023 2024 0 50M 100M

2.3 Liquidity

UHG has a Current Ratio of 5.02. This indicates that UHG is financially healthy and has no problem in meeting its short term obligations.
Looking at the Current ratio, with a value of 5.02, UHG is in the better half of the industry, outperforming 77.78% of the companies in the same industry.
UHG has a Quick Ratio of 1.02. This is a normal value and indicates that UHG is financially healthy and should not expect problems in meeting its short term obligations.
UHG's Quick ratio of 1.02 is in line compared to the rest of the industry. UHG outperforms 52.38% of its industry peers.
Industry RankSector Rank
Current Ratio 5.02
Quick Ratio 1.02
UHG Yearly Current Assets VS Current LiabilitesUHG Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2020 2021 2022 2023 2024 50M 100M 150M 200M

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3

3. Growth

3.1 Past

UHG shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -67.00%.
Measured over the past 5 years, UHG shows a small growth in Earnings Per Share. The EPS has been growing by 4.63% on average per year.
UHG shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.02%.
The Revenue has been growing by 11.24% on average over the past years. This is quite good.
EPS 1Y (TTM)-67%
EPS 3Y-17.34%
EPS 5Y4.63%
EPS Q2Q%-122%
Revenue 1Y (TTM)10.02%
Revenue growth 3Y2.32%
Revenue growth 5Y11.24%
Sales Q2Q%-3.57%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
UHG Yearly Revenue VS EstimatesUHG Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M
UHG Yearly EPS VS EstimatesUHG Yearly EPS VS EstimatesYearly EPS VS Estimates 2024 0.2 0.4 0.6

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2

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 43.00, UHG can be considered very expensive at the moment.
68.25% of the companies in the same industry are cheaper than UHG, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 26.84, UHG is valued quite expensively.
Industry RankSector Rank
PE 43
Fwd PE N/A
UHG Price Earnings VS Forward Price EarningsUHG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

74.60% of the companies in the same industry are cheaper than UHG, based on the Enterprise Value to EBITDA ratio.
90.48% of the companies in the same industry are more expensive than UHG, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 6.56
EV/EBITDA 55.77
UHG Per share dataUHG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)9.28
EPS Next 2YN/A
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

UHG does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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UNITED HOMES GROUP INC

NASDAQ:UHG (8/15/2025, 8:00:01 PM)

3.87

-0.19 (-4.68%)

Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Durables & Apparel
GICS IndustryHousehold Durables
Earnings (Last)08-07 2025-08-07/bmo
Earnings (Next)11-06 2025-11-06
Inst Owners42.4%
Inst Owner Change-40.54%
Ins Owners47.73%
Ins Owner Change4.63%
Market Cap226.78M
AnalystsN/A
Price TargetN/A
Short Float %1.07%
Short Ratio0.3
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 43
Fwd PE N/A
P/S 0.5
P/FCF 6.56
P/OCF 6.56
P/B 2.6
P/tB 2.91
EV/EBITDA 55.77
EPS(TTM)0.09
EY2.33%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.59
FCFY15.24%
OCF(TTM)0.59
OCFY15.24%
SpS7.68
BVpS1.49
TBVpS1.33
PEG (NY)N/A
PEG (5Y)9.28
Profitability
Industry RankSector Rank
ROA 15.08%
ROE 46.09%
ROCE 1.76%
ROIC 1.39%
ROICexc 1.56%
ROICexgc 2.15%
OM 0.9%
PM (TTM) 8.92%
GM 17.31%
FCFM 7.68%
ROA(3y)30.97%
ROA(5y)30.68%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)12.27%
ROIC(5y)18.54%
ROICexc(3y)13.54%
ROICexc(5y)23.79%
ROICexgc(3y)14.75%
ROICexgc(5y)25.04%
ROCE(3y)15.53%
ROCE(5y)23.47%
ROICexcg growth 3Y-60.07%
ROICexcg growth 5YN/A
ROICexc growth 3Y-63.87%
ROICexc growth 5YN/A
OM growth 3Y-57.46%
OM growth 5Y-36.11%
PM growth 3Y-11.14%
PM growth 5Y-0.55%
GM growth 3Y-9.52%
GM growth 5Y-3.19%
F-Score4
Asset Turnover1.69
Health
Industry RankSector Rank
Debt/Equity 1.38
Debt/FCF 3.49
Debt/EBITDA 20.84
Cap/Depr 0.65%
Cap/Sales 0%
Interest Coverage 0.21
Cash Conversion 598.22%
Profit Quality 86.06%
Current Ratio 5.02
Quick Ratio 1.02
Altman-Z 3.32
F-Score4
WACC11.5%
ROIC/WACC0.12
Cap/Depr(3y)20.38%
Cap/Depr(5y)124.45%
Cap/Sales(3y)0.03%
Cap/Sales(5y)0.08%
Profit Quality(3y)34.95%
Profit Quality(5y)75.93%
High Growth Momentum
Growth
EPS 1Y (TTM)-67%
EPS 3Y-17.34%
EPS 5Y4.63%
EPS Q2Q%-122%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)10.02%
Revenue growth 3Y2.32%
Revenue growth 5Y11.24%
Sales Q2Q%-3.57%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-70.15%
EBIT growth 3Y-56.47%
EBIT growth 5Y-28.93%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-26.41%
FCF growth 3Y-35.68%
FCF growth 5Y-8.36%
OCF growth 1Y-26.71%
OCF growth 3Y-35.78%
OCF growth 5Y-8.58%