PennyMac Financial Services Inc (PFSI) is undervalued and we do not publish a verdict for UWM Holdings Corp (UWMC).
We publish an intrinsic value for PFSI but not for UWMC, so the two cannot be ranked on price.
Values as of the 22 Sept 2026 close.
Discounting its cash flows at 6.5% (average of 3 methods) values the shares at $170.68; the price of $66.96 is 61% below that value, and 85% of that value comes from beyond year five.
Leak Score 41/100 on 3 of 12 signals
We do not publish a value for this company: it has no growth history of its own to project.
Leak Score 0/100 on 3 of 12 signals
| Metric | PFSI | UWMC |
|---|---|---|
| Verdict | Undervalued | Not valued |
| Price | $66.96 | $1.26 |
| Intrinsic value | $170.68 | — |
| Margin of safety | +61% | — |
| Leak Score | 41/100 (3/12) | 0/100 (3/12) |
| Market cap | $3.5B | $2.0B |
| Revenue growth, 5 years | 0.1% | — |
| Operating margin | 30.1% | 39.7% |
| Net margin | 8.2% | -1.3% |
| Return on equity | 9.4% | -24.0% |
| Debt to equity | 3.57 | 118.64 |
| P/E | 9.2x | — |
| Forward P/E | 6.2x | 3.7x |
| P/B | 0.8x | 3.2x |
| Dividend yield | 1.2% | 18.4% |