On the filings, UWM (UWMC) is the stronger stock right now — higher on our blended fundamentals-plus-verdict read, and we currently rate it HOLD.
Loss-making mortgage cyclical mid-transformation: improving-rate tailwind and new scale, but no earnings to value and heavy integration risk.
Largest US wholesale mortgage lender at trough earnings; cheap on sales but ROE 1.7%, dividend > earnings, and rate-cycle dependent.
| Metric | RKT | UWMC |
|---|---|---|
| Fundamentals score | 32 | 60 |
| Revenue growth (YoY) | — | +18.2% |
| Net income growth (YoY) | -334.5% | +90.1% |
| Net margin | — | 0.9% |
| Return on equity | -0.3% | 1.7% |
| ROIC (est.) | — | -0.1% |
| Liabilities / Equity | 1.65 | 9.62 |
| Piotroski F-score | — | 4 / 9 |
Bold green = the stronger figure. All rows derive from SEC XBRL filings — no market-price data on this page.
AI-generated analysis, produced by our proprietary engine from SEC filing data.
Investment recommendation produced by TENK/calls (tenkcalls.com), Luxembourg. Completed Jun 21, 2026, 12:31 PM ET. Ratings & methodology: definitions · All recommendations to date: track record · Conflicts: disclosures. Not investment advice.
AI-generated analysis, produced by our proprietary engine from SEC filing data.
Investment recommendation produced by TENK/calls (tenkcalls.com), Luxembourg. Completed Jun 25, 2026, 9:42 AM ET. Ratings & methodology: definitions · All recommendations to date: track record · Conflicts: disclosures. Not investment advice.
Research and education only — not financial advice. TENKis not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities TENK rates; see Disclosures. Past performance does not guarantee future results. Do your own research.