UWM HOLDINGS CORP (UWMC) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:UWMC - US91823B1098 - Common Stock
5.38 USD
-0.19 (-3.41%)
5.46 USD
+0.08 (+1.49%)
Taking everything into account, UWMC scores 5 out of 10 in our fundamental rating. UWMC was compared to 97 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.
UWMC had positive earnings in 4 of the past 5 years.
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
UWMC has a worse Return On Assets (0.10%) than 72.16% of its industry peers.
UWMC has a Return On Equity (9.50%) which is comparable to the rest of the industry.
Looking at the Return On Invested Capital, with a value of 6.81%, UWMC is in the better half of the industry, outperforming 71.13% of the companies in the same industry.
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
UWMC has a Profit Margin of 0.58%. This is in the lower half of the industry: UWMC underperforms 71.13% of its industry peers.
UWMC's Profit Margin has declined in the last couple of years.
The Operating Margin of UWMC (47.12%) is better than 85.57% 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 91.75% 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
The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so UWMC is still creating some value.
UWMC has about the same amout of shares outstanding than it did 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 0.78. 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 of 0.78. This is comparable to the rest of the industry: UWMC outperforms 55.67% of its industry peers.
UWMC has a Debt/Equity ratio of 81.18. This is a high value indicating a heavy dependency on external financing.
UWMC has a worse Debt to Equity ratio (81.18) than 92.78% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 81.18 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.78 |
ROIC/WACC1.15
WACC5.9%
2.3 Liquidity
A Current Ratio of 1.23 indicates that UWMC should not have too much problems paying its short term obligations.
The Current ratio of UWMC (1.23) is comparable to the rest of the industry.
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 61.86% 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.
The earnings per share for UWMC have been decreasing by -49.74% on average. This is quite bad
The Revenue has grown by 18.70% in the past year. This is quite good.
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
UWMC is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 65.31% yearly.
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
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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
With a Price/Earnings ratio of 107.60, UWMC can be considered very expensive at the moment.
78.35% of the companies in the same industry are cheaper than UWMC, based on the Price/Earnings ratio.
UWMC's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 26.56.
Based on the Price/Forward Earnings ratio of 11.48, the valuation of UWMC can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of UWMC is on the same level as its industry peers.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.79, UWMC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 107.6 | ||
| Fwd PE | 11.48 |
4.2 Price Multiples
UWMC's Enterprise Value to EBITDA ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 15.37 |
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.
UWMC's earnings are expected to grow with 65.31% in the coming years. This may justify a more expensive valuation.
PEG (NY)5.23
PEG (5Y)N/A
EPS Next 2Y83%
EPS Next 3Y65.31%
5. Dividend
5.1 Amount
UWMC has a Yearly Dividend Yield of 7.43%, which is a nice return.
The stock price of UWMC dropped by -21.46% 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 2.16. UWMC pays more dividend than 94.85% 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 | 7.43% |
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 2Y83%
EPS Next 3Y65.31%
5.38
-0.19 (-3.41%)
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 Cap8.61B
Revenue(TTM)2.94B
Net Income(TTM)16.89M
Analysts73.33
Price Target7.14 (32.71%)
Short Float %15.4%
Short Ratio3.4
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.43% |
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)16.44%
EPS NQ rev (3m)19.3%
EPS NY rev (1m)-3.33%
EPS NY rev (3m)-49.08%
Revenue NQ rev (1m)16.02%
Revenue NQ rev (3m)16.02%
Revenue NY rev (1m)5.4%
Revenue NY rev (3m)-2.66%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 107.6 | ||
| Fwd PE | 11.48 | ||
| P/S | 2.93 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 48.44 | ||
| P/tB | N/A | ||
| EV/EBITDA | 15.37 |
EPS(TTM)0.05
EY0.93%
EPS(NY)0.47
Fwd EY8.71%
FCF(TTM)-2.1
FCFYN/A
OCF(TTM)-2.06
OCFYN/A
SpS1.84
BVpS0.11
TBVpS-1.96
PEG (NY)5.23
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 | 0.78 |
F-Score4
WACC5.9%
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 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.