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

Pennymac Financial Services Inc.

NYSE
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UWM Holdings Corporation

NYSE
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TLDR: Quick Comparison Summary

Based on 21 vital metrics comparison: Pennymac Financial Services Inc. wins in 11 metrics, UWM Holdings Corporation wins in 9 metrics, with 0 ties. Pennymac Financial Services Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Pennymac Financial Services Inc. UWM Holdings Corporation Better
P/E Ratio (TTM) 9.75 31.25 Pennymac Financial Services Inc.
Price-to-Book Ratio 1.10 5.05 Pennymac Financial Services Inc.
Debt-to-Equity Ratio 537.23 907.74 Pennymac Financial Services Inc.
PEG Ratio 19.88 0.94 UWM Holdings Corporation
EV/EBITDA 44.12 19.74 UWM Holdings Corporation
Profit Margin (TTM) 14.47% 0.79% Pennymac Financial Services Inc.
Operating Margin (TTM) 15.24% 30.98% UWM Holdings Corporation
EBITDA Margin (TTM) 15.24% 30.98% UWM Holdings Corporation
Return on Equity 12.31% 13.38% UWM Holdings Corporation
Return on Assets (TTM) 1.81% 2.98% UWM Holdings Corporation
Free Cash Flow (TTM) $-1.70B $-2.72B Pennymac Financial Services Inc.
Dividend Yield 1.30% 11.24% UWM Holdings Corporation
1-Year Return -12.64% -28.84% Pennymac Financial Services Inc.
Price-to-Sales Ratio (TTM) 1.37 0.32 UWM Holdings Corporation
Enterprise Value $27.39B $16.44B Pennymac Financial Services Inc.
EV/Revenue Ratio 7.91 4.75 UWM Holdings Corporation
Gross Profit Margin (TTM) 77.40% N/A N/A
Revenue per Share (TTM) $67 $16 Pennymac Financial Services Inc.
Earnings per Share (Diluted) $9.30 $0.12 Pennymac Financial Services Inc.
Beta (Stock Volatility) 1.52 1.98 Pennymac Financial Services Inc.
Short % of Float 6.55% 13.88% Pennymac Financial Services Inc.

Pennymac Financial Services Inc. vs UWM Holdings Corporation Stock Performance Analysis

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PFSI
UWMC

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Pennymac Financial Services Inc.-4.09%-2.46%-6.55%-7.06%-36.28%-36.13%
UWM Holdings Corporation-8.08%-4.50%-16.10%-31.41%-47.34%-32.65%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Pennymac Financial Services Inc.-12.64%31.54%37.72%502.08%327.91%327.91%
UWM Holdings Corporation-28.84%-41.04%-65.46%-68.71%-68.71%-68.71%

Performance & Financial Health Analysis: Pennymac Financial Services Inc. vs UWM Holdings Corporation

MetricPFSIUWMC
Market Information
Market Cap i$4.69B$6.06B
Market Cap CategoryMid capMid cap
10 Day Avg. Volume i554,74910,106,551
90 Day Avg. Volume i575,46014,122,537
Last Close$80.60$2.73
52 Week Range$80.36 - $160.36$2.72 - $7.14
% from 52W High-49.74%-61.76%
All-Time High$160.36 (Jan 16, 2026)$14.38 (Dec 28, 2020)
% from All-Time High-49.74%-81.02%
Growth Metrics
Quarterly Revenue Growth5.11%3.01%
Quarterly Earnings Growth0.02%1.18%
Financial Health
Profit Margin (TTM) i0.14%0.01%
Operating Margin (TTM) i0.15%0.31%
Return on Equity (TTM) i0.12%0.13%
Debt to Equity (MRQ) i537.23907.74
Cash & Liquidity
Book Value per Share (MRQ)$82.77$0.74
Cash per Share (MRQ)$9.38$1.71
Operating Cash Flow (TTM) i$-1,651,984,000$-2,647,557,120
Levered Free Cash Flow (TTM) i$501.08M$1.82B
Dividends
Last 12-Month Dividend Yield i1.30%11.24%
Last 12-Month Dividend i$1.20$0.40

Valuation & Enterprise Metrics Analysis: Pennymac Financial Services Inc. vs UWM Holdings Corporation

MetricPFSI (Apr 24, 2026)UWMC (Apr 26, 2026)
Price Ratios
P/E Ratio (TTM) i9.7531.25
Forward P/E i5.787.03
PEG Ratio i19.880.94
Price to Sales (TTM) i1.370.32
Price to Book (MRQ) i1.105.05
Market Capitalization
Market Capitalization i$4.69B$6.06B
Enterprise Value i$27.39B$16.44B
Enterprise Value Metrics
Enterprise to Revenue i7.914.75
Enterprise to EBITDA i44.1219.74
Risk & Other Metrics
Beta i1.521.98
Book Value per Share (MRQ) i$82.77$0.74

Financial Statements Comparison: Pennymac Financial Services Inc. vs UWM Holdings Corporation

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricPFSI (2025)UWMC (2025)
Revenue/Sales i4.42B1.55B
Cost of Goods Sold i1.80BN/A
COGS % of Revenue i40.7%0.0%
Gross Profit i2.62BN/A
Gross Margin i59.3%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) i551.42MN/A
Operating Margin i12.5%0.0%
EBITDA i620.77MN/A
EBITDA Margin i14.0%0.0%
Pre-Tax Income i551.42M250.90M
Pre-Tax Income % of Revenue i12.5%16.2%
Income Tax i50.34M6.87M
Income Tax % of Revenue i1.1%0.4%
Net Income (Profit) i501.08M244.02M
Profit Margin i11.3%15.7%

Balance Sheet & Liquidity Metrics

MetricPFSI (2025)UWMC (2025)
Cash & Equivalents i301.68M503.36M
Total Current Assets i18.44BN/A
Total Current Assets % of Revenue i417.3%0.0%
Total Current Liabilities i10.76BN/A
Total Current Liabilities % of Revenue i243.5%0.0%
Long-Term Debt i14.27B3.19B
Long-Term Debt % of Revenue i322.7%205.6%
Total Shareholders Equity i4.31B1.59B
Retained Earnings i4.21B189.45M
Retained Earnings % of Revenue i95.3%12.2%
Property, Plant & Equipment i61.76M115.56M

Cash Flow Statement Comparison

MetricPFSI (2025)UWMC (2025)
Operating Cash Flow i-1.46B-2.22B
Operating Cash Flow % of Revenue i-32.9%-143.2%
Capital Expenditures i-11.92M-74.05M
Free Cash Flow i-1.70B-2.72B
FCF Margin i-38.5%-175.2%
Debt Repayment i-27.52B-3.51B
Common Stock Repurchase i-4.74MN/A

Short Interest & Institutional Ownership Analysis

MetricPFSIUWMC
Shares Short i1.92M40.51M
Short Ratio i2.812.11
Short % of Float i6.55%13.88%
Shares Outstanding i52.06M268.42M
Float Shares i27.61M244.95M
% Held by Insiders i34.96%15.81%
% Held by Institutions i66.24%73.92%
% Held by Public i-1.20%10.27%

Dividend Analysis & Yield Comparison: Pennymac Financial Services Inc. vs UWM Holdings Corporation

MetricPFSIUWMC
Last 12-Month Dividend i$1.20$0.40
Last 12-Month Dividend Yield i1.30%11.24%
3-Year Avg Annual Dividend i$1.03$0.40
3-Year Avg Dividend Yield i0.28%1.78%
3-Year Total Dividends i$3.10$1.20
Ex-Dividend DateFeb 13, 2026Mar 19, 2026