UWM Holdings vs Wintrust Financial

UWM Holdings (UWM Holdings Corp) and Wintrust Financial (Wintrust Financial Corp) are presented on this page to compare their business models, financial performance, and market context. The analysis is neutral and accessible, focusing on facts and differences without recommendations. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

UWMC

Metric

WTFC

$9.23B

Market Cap

$9.69B

13.88%

Potential Profit

4.26%

Hold

Analyst Rating

Buy

Investment Analysis

UWM Holdings

UWMC

Pros

Reported a revenue increase to $843.3 million in Q3 2025, up from $745.6 million a year ago, showing strong top-line growth.
Maintains substantial liquidity with $870.7 million in cash and cash equivalents as of September 30, 2025.
Has robust secured funding access including $1.0 billion of senior notes issued at 6.25%, supporting capital structure.

Considerations

Net income attributable to shareholders was a loss of $1.3 million in Q3 2025, primarily due to a $307.8 million decline in mortgage servicing rights fair value.
High valuation multiples relative to peers, trading at a significant premium with a Price/Earnings ratio of 49.7x versus sector average of 12.7x.
Face margin pressure and profitability challenges amid rising operational costs despite strong revenue growth.

Wintrust Financial

WTFC

Pros

Wintrust Financial benefits from a diverse range of banking services, reducing dependence on a single income source.
Strong regional banking franchise with consistent loan growth supported by favourable market and economic conditions.
Prudent balance sheet management resulting in solid capital ratios and above-average asset quality.

Considerations

Exposed to regional economic cyclicality and interest rate fluctuations which can pressure net interest margins.
Faces competitive pressure from larger national banks and fintech firms in key geographic markets.
Regulatory compliance and evolving banking regulations may increase operational costs and complexity.

About The Companies

UWM Holdings (UWMC)

UWM Holdings Corp is a prominent American company engaged in the residential mortgage lending industry. Operating through its subsidiaries, its primary business involves originating, selling, and servicing mortgage loans across the United States. The company specialises in the 'wholesale channel', meaning it works with independent mortgage brokers rather than directly with borrowers. Its focus is on originating high-quality conforming and government-backed loans that meet the standards for sale in the secondary market to entities like Fannie Mae and Freddie Mac. UWM Holdings leverages proprietary technology, such as Blink+, to streamline the application and lending process for its broker partners. As with any financial institution, its performance can be influenced by interest rate fluctuations and the overall health of the housing market. Remember that the value of investments can go down as well as up.

Wintrust Financial (WTFC)

Wintrust Financial Corporation is a financial holding company that delivers community-focused banking and other financial services. Primarily operating in the Chicago metropolitan area, southern Wisconsin, and nearby regions, Wintrust serves a diverse client base including individuals, small to medium-sized businesses, and local government units. The company is structured around three key segments: Community Banking, which provides personal and commercial banking services; Specialty Finance, which includes services like insurance premium financing and accounts receivable financing; and Wealth Management, offering a comprehensive suite of services to help clients manage their assets. This diversified model allows Wintrust to cater to a variety of financial needs within its target markets. As with any investment, it's important to remember that the value of shares can go down as well as up, and past performance is not a reliable indicator of future returns.

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6% Interest on Cash

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UWM Holdings vs Wintrust Financial

Comparison Snapshot

Investment Analysis

UWM Holdings

Pros

Considerations

Wintrust Financial

Pros

Considerations

About The Companies

Buy UWMC or WTFC in Nemo

Zero Commission

Trusted & Regulated

6% Interest on Cash

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Frequently asked questions

Comparison Snapshot

About The Companies

UWM Holdings vs Wintrust Financial

Comparison Snapshot

Investment Analysis

UWM Holdings

Pros

Considerations

Wintrust Financial

Pros

Considerations

About The Companies

Buy UWMC or WTFC in Nemo

Zero Commission

Trusted & Regulated

6% Interest on Cash

Discover More Comparisons

UWM Holdings vs Western Alliance

UWM Holdings vs Primerica

UWM Holdings vs SouthState

Frequently asked questions

What does it mean when a company reports higher revenue but still shows a net loss for the period?

How should I compare liquidity when one stock cites cash on hand and another cites solid capital ratios?

What is the significance of a company having a higher P/E ratio relative to peers?

Why do some pros and cons reference non-operating items like fair value changes in mortgage servicing rights?

What does it mean when a stock has strong top-line growth but potential margin pressure?

How should I interpret a diverse business model in a banking stock when evaluating risk and reward?

Why are capital adequacy and asset quality important for banks when comparing stocks?

How do regional economic conditions impact these two stocks differently?

What role do interest rates and regulatory changes play in the performance of these stocks?

What should a beginner consider when reading a stock comparison like this page?

Comparison Snapshot

About The Companies