Pennymac Financial [PFSI] vs UWM Holdings [UWMC] Detailed Stock Comparison

Pennymac Financial

NYSE
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UWM Holdings

NYSE
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TLDR: Quick Comparison Summary

Based on 20 vital metrics comparison: Pennymac Financial wins in 13 metrics, UWM Holdings wins in 6 metrics, with 0 ties. Pennymac Financial appears stronger overall.

View Metrics Details

Vital Metrics Comparison

MetricPennymac FinancialUWM HoldingsBetter
P/E Ratio (TTM)16.85158.00Pennymac Financial
Price-to-Book Ratio1.567.39Pennymac Financial
Debt-to-Equity Ratio461.08643.14Pennymac Financial
PEG Ratio0.460.59Pennymac Financial
EV/EBITDA51.9618.80UWM Holdings
Profit Margin (TTM)10.83%0.45%Pennymac Financial
Operating Margin (TTM)11.05%61.25%UWM Holdings
EBITDA Margin (TTM)11.05%61.25%UWM Holdings
Return on Equity10.05%6.87%Pennymac Financial
Return on Assets (TTM)1.69%3.15%UWM Holdings
Free Cash Flow (TTM)$-4.56B$-6.28BPennymac Financial
Dividend Yield0.95%10.10%UWM Holdings
1-Year Return7.72%-25.74%Pennymac Financial
Price-to-Sales Ratio (TTM)1.763.93Pennymac Financial
Enterprise Value$24.71B$13.65BPennymac Financial
EV/Revenue Ratio6.925.21UWM Holdings
Gross Profit Margin (TTM)51.89%N/AN/A
Revenue per Share (TTM)$69$17Pennymac Financial
Earnings per Share (Diluted)$7.23$0.04Pennymac Financial
Beta (Stock Volatility)1.511.80Pennymac Financial
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends

Pennymac Financial vs UWM Holdings Stock Performance Analysis

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Pennymac Financial
UWM Holdings
Pennymac Financial Stock Overview | UWM Holdings Stock Overview

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Pennymac Financial-0.59%-3.57%11.91%25.67%19.59%22.79%
UWM Holdings-3.26%-5.18%9.49%50.48%9.88%10.46%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Pennymac Financial7.72%185.76%104.45%666.19%525.46%525.46%
UWM Holdings-25.74%112.63%-38.50%-36.30%-36.30%-36.30%

News Based Sentiment: Pennymac Financial vs UWM Holdings

Pennymac Financial

News based Sentiment: MIXED

September presented a mixed bag for PennyMac, with an initial earnings miss followed by positive developments like strategic partnerships and analyst upgrades. While the company is actively working to improve its position, insider selling and lowered earnings estimates introduce uncertainty, making it a cautiously optimistic investment.

View Pennymac Financial News Sentiment Analysis

UWM Holdings

News based Sentiment: MIXED

September presented a mixed bag for UWM Holdings. While the company successfully upsized its debt offering and maintained its dividend, the extensive insider selling and lowered revenue/EPS expectations create significant uncertainty. The conflicting signals make it a crucial month to assess the company's trajectory.

View UWM Holdings News Sentiment Analysis

Performance & Financial Health Analysis: Pennymac Financial vs UWM Holdings

MetricPFSIUWMC
Market Information
Market Cap i$6.37B$9.61B
Market Cap CategoryMid capMid cap
10 Day Avg. Volume i484,4919,754,260
90 Day Avg. Volume i449,2249,812,573
Last Close$122.59$6.23
52 Week Range$85.74 - $130.02$3.80 - $8.64
% from 52W High-5.71%-27.85%
All-Time High$130.02 (Sep 17, 2025)$14.38 (Dec 28, 2020)
% from All-Time High-5.71%-56.68%
Growth Metrics
Quarterly Revenue Growth0.36%0.22%
Quarterly Earnings Growth0.39%6.51%
Financial Health
Profit Margin (TTM) i0.11%0.00%
Operating Margin (TTM) i0.11%0.61%
Return on Equity (TTM) i0.10%0.07%
Debt to Equity (MRQ) i461.08643.14
Cash & Liquidity
Book Value per Share (MRQ)$78.04$0.86
Cash per Share (MRQ)$6.63$2.49
Operating Cash Flow (TTM) i$-1,607,801,984$-2,393,553,920
Levered Free Cash Flow (TTM) i$24.47B$2.07B
Dividends
Last 12-Month Dividend Yield i0.95%10.10%
Last 12-Month Dividend i$0.90$0.40

Valuation & Enterprise Metrics Analysis: Pennymac Financial vs UWM Holdings

MetricPFSIUWMC
Price Ratios
P/E Ratio (TTM) i16.85158.00
Forward P/E i8.6913.74
PEG Ratio i0.460.59
Price to Sales (TTM) i1.763.93
Price to Book (MRQ) i1.567.39
Market Capitalization
Market Capitalization i$6.37B$9.61B
Enterprise Value i$24.71B$13.65B
Enterprise Value Metrics
Enterprise to Revenue i6.925.21
Enterprise to EBITDA i51.9618.80
Risk & Other Metrics
Beta i1.511.80
Book Value per Share (MRQ) i$78.04$0.86

Financial Statements Comparison: Pennymac Financial vs UWM Holdings

Financial Metrics

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Revenue

EBITDA

Shareholders Equity

Operating Margin

Free Cash Flow

Long Term Debt

Profit Margin

Current Ratio

Operating Cash Flow

Income Statement (MRQ)

Metric (MRQ)PFSIUWMC
Revenue/Sales i$1.07B$651.10M
Cost of Goods Sold i$382.70MN/A
Gross Profit i$687.06MN/A
Research & Development iN/AN/A
Operating Income (EBIT) i$104.52MN/A
EBITDA i$122.15MN/A
Pre-Tax Income i$104.20M$329.42M
Income Tax i$27.92M$14.94M
Net Income (Profit) i$76.28M$314.48M

Balance Sheet & Liquidity Metrics (MRQ)

Metric (MRQ)PFSIUWMC
Cash & Equivalents i$211.09M$485.02M
Total Current Assets i$13.62BN/A
Total Current Liabilities i$8.71BN/A
Long-Term Debt i$11.21B$2.20B
Total Shareholders Equity i$3.90B$1.64B
Retained Earnings i$3.83B$160.41M
Property, Plant & Equipment i$33.73M$268.77M

Cash Flow Statement Comparison (MRQ)

Metric (MRQ)PFSIUWMC
Operating Cash Flow i$1.14B$-518.02M
Capital Expenditures i$-371,000$-17.76M
Free Cash Flow i$1.06B$576.13M
Debt Repayment i$-6.12B$-1.69B
Common Stock Repurchase iN/AN/A

Short Interest & Institutional Ownership Analysis

MetricPFSIUWMC
Shares Short i1.69M34.73M
Short Ratio i4.413.50
Short % of Float i0.06%0.16%
Average Daily Volume (10 Day) i484,4919,754,260
Average Daily Volume (90 Day) i449,2249,812,573
Shares Outstanding i51.38M157.94M
Float Shares i26.96M178.52M
% Held by Insiders i0.35%0.19%
% Held by Institutions i0.61%0.62%

Dividend Analysis & Yield Comparison: Pennymac Financial vs UWM Holdings

MetricPFSIUWMC
Last 12-Month Dividend i$0.90$0.40
Last 12-Month Dividend Yield i0.95%10.10%
3-Year Avg Annual Dividend i$0.83$0.37
3-Year Avg Dividend Yield i0.30%1.81%
3-Year Total Dividends i$2.50$1.10
Ex-Dividend DateFeb 13, 2025Mar 20, 2025