UWMC
UWM Holdings Corporation
Financial - Mortgages
Market Cap$724M
5Y Perf.-65.7%
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Stock Comparison
UWMC vs PMT
Revenue, margins, valuation, and 5-year total return — side by side.
PMT
PennyMac Mortgage Investment Trust
REIT - Mortgage
Market Cap$1.06B
5Y Perf.+10.2%
UWMC vs PMT — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | UWMC | PMT |
|---|---|---|
| Industry | Financial - Mortgages | REIT - Mortgage |
| Market Cap | $724M | $1.06B |
| Revenue (TTM) | $3.16B | $1.06B |
| Net Income (TTM) | $27M | $132M |
| Gross Margin | 85.6% | 88.9% |
| Operating Margin | 58.0% | 71.8% |
| Forward P/E | 8.1x | 7.8x |
| Total Debt | $0.00 | $19.09B |
| Cash & Equiv. | $503M | $272M |
UWMC vs PMT — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
UWMC
PMT
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| UWM Holdings Corpor… (UWMC) | 100 | 34.3 | -65.7% |
| PennyMac Mortgage I… (PMT) | 100 | 110.2 | +10.2% |
Price return only. Dividends and distributions are not included.
Quick Verdict: UWMC vs PMT
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: PMT leads in 7 of 7 categories, making it the strongest pick for growth and revenue expansion and valuation and capital efficiency. This set spans 2 sectors — these stocks serve different portfolio roles, not just different price points.
UWMC
UWM Holdings Corporation
The Financial Play
In this particular matchup, UWMC is outpaced on most metrics by others in the set.
Best for: financial services exposure
PMT
PennyMac Mortgage Investment Trust
The Real Estate Income Play
PMT carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 0 yrs, beta 0.71, yield 13.2%
- Rev growth 245.8%, EPS growth -27.7%
- 121.8% 10Y total return vs UWMC's -40.6%
Best for: income & stability and growth exposure
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | PMT | 245.8% FFO/revenue growth vs UWMC's 65.8% |
| Value | PMT | Lower P/E (7.8x vs 8.1x) |
| Quality / Margins | PMT | 12.4% margin vs UWMC's 0.9% |
| Stability / Safety | PMT | Beta 0.71 vs UWMC's 1.50 |
| Dividends | PMT | 13.2% yield, vs UWMC's 10.9% |
| Momentum (1Y) | PMT | +7.0% vs UWMC's -19.8% |
| Efficiency (ROA) | PMT | 0.7% ROA vs UWMC's 0.2%, ROIC 6.0% vs 15.4% |
UWMC vs PMT — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
FY 2025
UWMC vs PMT — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLPMTLAGGINGUWMC
UWMCUWM Holdings Corporat…
1leads
PMTPennyMac Mortgage Inv…
4leads
6 Total Categories
CATEGORYLEADERvs UWMCMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
PMT3/4
Valuation MetricsMultiples, price ratios, and targets
UWMC3/5
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
PMT4/7
Total Returns1Y, 3Y, 5Y total returns with dividends
PMT6/6
Risk & VolatilityBeta, volatility, and downside exposure
PMT2/2
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
PMT leads this category, winning 3 of 4 comparable metrics.
Income & Cash Flow (Last 12 Months)
UWMC is the larger business by revenue, generating $3.2B annually — 3.0x PMT's $1.1B. PMT is the more profitable business, keeping 12.4% of every revenue dollar as net income compared to UWMC's 0.9%.
| Metric | UWMCUWM Holdings Corp… | PMTPennyMac Mortgage… |
|---|---|---|
| RevenueTrailing 12 months | $3.2B | $1.1B |
| EBITDAEarnings before interest/tax | $695M | $967M |
| Net IncomeAfter-tax profit | $27M | $132M |
| Free Cash FlowCash after capex | -$6.0B | -$9.1B |
| Gross MarginGross profit ÷ Revenue | +85.6% | +88.9% |
| Operating MarginEBIT ÷ Revenue | +58.0% | +71.8% |
| Net MarginNet income ÷ Revenue | +0.9% | +12.4% |
| FCF MarginFCF ÷ Revenue | -83.8% | -8.6% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | -98.2% |
| EPS Growth (YoY)Latest quarter vs prior year | — | — |
PMT leads this category, winning 3 of 4 comparable metrics.
Valuation Metrics
UWMC leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
At 12.3x trailing earnings, PMT trades at a 57% valuation discount to UWMC's 28.5x P/E. On an enterprise value basis, UWMC's 0.1x EV/EBITDA is more attractive than PMT's 20.6x.
| Metric | UWMCUWM Holdings Corp… | PMTPennyMac Mortgage… |
|---|---|---|
| Market CapShares × price | $724M | $1.1B |
| Enterprise ValueMkt cap + debt − cash | $221M | $19.9B |
| Trailing P/EPrice ÷ TTM EPS | 28.54x | 12.25x |
| Forward P/EPrice ÷ next-FY EPS est. | 8.12x | 7.78x |
| PEG RatioP/E ÷ EPS growth rate | — | 0.41x |
| EV / EBITDAEnterprise value multiple | 0.12x | 20.61x |
| Price / SalesMarket cap ÷ Revenue | 0.23x | 0.60x |
| Price / BookPrice ÷ Book value/share | 0.24x | 0.56x |
| Price / FCFMarket cap ÷ FCF | — | 7.42x |
UWMC leads this category, winning 3 of 5 comparable metrics.
Profitability & Efficiency
PMT leads this category, winning 4 of 7 comparable metrics.
Profitability & Efficiency
PMT delivers a 7.1% return on equity — every $100 of shareholder capital generates $7 in annual profit, vs $1 for UWMC.
| Metric | UWMCUWM Holdings Corp… | PMTPennyMac Mortgage… |
|---|---|---|
| ROE (TTM)Return on equity | +0.9% | +7.1% |
| ROA (TTM)Return on assets | +0.2% | +0.7% |
| ROICReturn on invested capital | +15.4% | +6.0% |
| ROCEReturn on capital employed | +11.2% | +13.2% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 4 |
| Debt / EquityFinancial leverage | — | 10.12x |
| Net DebtTotal debt minus cash | -$503M | $18.8B |
| Cash & Equiv.Liquid assets | $503M | $272M |
| Total DebtShort + long-term debt | $0 | $19.1B |
| Interest CoverageEBIT ÷ Interest expense | 0.75x | 1.11x |
PMT leads this category, winning 4 of 7 comparable metrics.
Total Returns (Dividends Reinvested)
PMT leads this category, winning 6 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in PMT five years ago would be worth $10,172 today (with dividends reinvested), compared to $6,955 for UWMC. Over the past 12 months, PMT leads with a +7.0% total return vs UWMC's -19.8%. The 3-year compound annual growth rate (CAGR) favors PMT at 12.8% vs UWMC's -7.4% — a key indicator of consistent wealth creation.
| Metric | UWMCUWM Holdings Corp… | PMTPennyMac Mortgage… |
|---|---|---|
| YTD ReturnYear-to-date | -20.1% | -0.9% |
| 1-Year ReturnPast 12 months | -19.8% | +7.0% |
| 3-Year ReturnCumulative with dividends | -20.7% | +43.5% |
| 5-Year ReturnCumulative with dividends | -30.4% | +1.7% |
| 10-Year ReturnCumulative with dividends | -40.6% | +121.8% |
| CAGR (3Y)Annualised 3-year return | -7.4% | +12.8% |
PMT leads this category, winning 6 of 6 comparable metrics.
Risk & Volatility
PMT leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
PMT is the less volatile stock with a 0.71 beta — it tends to amplify market swings less than UWMC's 1.50 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. PMT currently trades 87.8% from its 52-week high vs UWMC's 48.0% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | UWMCUWM Holdings Corp… | PMTPennyMac Mortgage… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.50x | 0.71x |
| 52-Week HighHighest price in past year | $7.14 | $13.81 |
| 52-Week LowLowest price in past year | $3.38 | $11.14 |
| % of 52W HighCurrent price vs 52-week peak | +48.0% | +87.8% |
| RSI (14)Momentum oscillator 0–100 | 42.7 | 53.3 |
| Avg Volume (50D)Average daily shares traded | 15.7M | 1.0M |
PMT leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Evenly matched — UWMC and PMT each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates UWMC as "Hold" and PMT as "Buy". Consensus price targets imply 74.6% upside for UWMC (target: $6) vs 23.7% for PMT (target: $15). For income investors, PMT offers the higher dividend yield at 13.21% vs UWMC's 10.85%.
| Metric | UWMCUWM Holdings Corp… | PMTPennyMac Mortgage… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Buy |
| Price TargetConsensus 12-month target | $5.98 | $15.00 |
| # AnalystsCovering analysts | 13 | 26 |
| Dividend YieldAnnual dividend ÷ price | +10.9% | +13.2% |
| Dividend StreakConsecutive years of raises | 1 | 0 |
| Dividend / ShareAnnual DPS | $0.37 | $1.60 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +0.1% |
Evenly matched — UWMC and PMT each lead in 1 of 2 comparable metrics.
Key Takeaway
PMT leads in 4 of 6 categories (Income & Cash Flow, Profitability & Efficiency). UWMC leads in 1 (Valuation Metrics). 1 tied.
Best OverallPennyMac Mortgage Investmen… (PMT)Leads 4 of 6 categories
Loading custom metrics...
UWMC vs PMT: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is UWMC or PMT a better buy right now?
For growth investors, PennyMac Mortgage Investment Trust (PMT) is the stronger pick with 245.
8% revenue growth year-over-year, versus 65. 8% for UWM Holdings Corporation (UWMC). PennyMac Mortgage Investment Trust (PMT) offers the better valuation at 12. 3x trailing P/E (7. 8x forward), making it the more compelling value choice. Analysts rate PennyMac Mortgage Investment Trust (PMT) a "Buy" — based on 26 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — UWMC or PMT?
On trailing P/E, PennyMac Mortgage Investment Trust (PMT) is the cheapest at 12.
3x versus UWM Holdings Corporation at 28. 5x. On forward P/E, PennyMac Mortgage Investment Trust is actually cheaper at 7. 8x.
03Which is the better long-term investment — UWMC or PMT?
Over the past 5 years, PennyMac Mortgage Investment Trust (PMT) delivered a total return of +1.
7%, compared to -30. 4% for UWM Holdings Corporation (UWMC). Over 10 years, the gap is even starker: PMT returned +121. 8% versus UWMC's -40. 6%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — UWMC or PMT?
By beta (market sensitivity over 5 years), PennyMac Mortgage Investment Trust (PMT) is the lower-risk stock at 0.
71β versus UWM Holdings Corporation's 1. 50β — meaning UWMC is approximately 111% more volatile than PMT relative to the S&P 500.
05Which is growing faster — UWMC or PMT?
By revenue growth (latest reported year), PennyMac Mortgage Investment Trust (PMT) is pulling ahead at 245.
8% versus 65. 8% for UWM Holdings Corporation (UWMC). On earnings-per-share growth, the picture is similar: UWM Holdings Corporation grew EPS -7. 7% year-over-year, compared to -27. 7% for PennyMac Mortgage Investment Trust. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — UWMC or PMT?
PennyMac Mortgage Investment Trust (PMT) is the more profitable company, earning 7.
3% net margin versus 0. 9% for UWM Holdings Corporation — meaning it keeps 7. 3% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: PMT leads at 79. 0% versus 58. 0% for UWMC. At the gross margin level — before operating expenses — PMT leads at 91. 6%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is UWMC or PMT more undervalued right now?
On forward earnings alone, PennyMac Mortgage Investment Trust (PMT) trades at 7.
8x forward P/E versus 8. 1x for UWM Holdings Corporation — 0. 3x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for UWMC: 74. 6% to $5. 98.
08Which pays a better dividend — UWMC or PMT?
All stocks in this comparison pay dividends.
PennyMac Mortgage Investment Trust (PMT) offers the highest yield at 13. 2%, versus 10. 9% for UWM Holdings Corporation (UWMC).
09Is UWMC or PMT better for a retirement portfolio?
For long-horizon retirement investors, PennyMac Mortgage Investment Trust (PMT) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.
71), 13. 2% yield, +121. 8% 10Y return). UWM Holdings Corporation (UWMC) carries a higher beta of 1. 50 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (PMT: +121. 8%, UWMC: -40. 6%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between UWMC and PMT?
These companies operate in different sectors (UWMC (Financial Services) and PMT (Real Estate)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.
These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(UWMC: 65.8% · PMT: -98.2%)P/E Ratio<
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