Structured JSON API for this factor page: https://sharemaestro.com/factors/api/tickers/1c1f18c6-ed2e-4d61-bc3d-62504a03818e/
UWMC
UWM Holdings CorpSnapshot 2026-07-19 · 0.6w · Fresh
Strategy Eligibility
3 of 23 passing
★
OS Composite
✗
↗
Trending Value
✗
◆
Quality × Value
✗
🏛
Cornerstone Value
✗
🌿
Cornerstone Growth
✗
💎
Deep Value
P/E 10.3
◇
VC2 Cheapest
✗
📐
EBITDA/EV
✗
◐
Veiled Value
✗
▣
Piotroski Bargains
✗
🔬
Quality Compounders
✗
📈
Consistent Earners
✗
🌱
GARP
Rev +100%
🔄
Shareholder Yield
19.8%
💰
High Yield
✗
🚀
Momentum Leaders
✗
◉
Market Leaders
✗
◎
Tiny Titans
✗
🔍
Small Cap Value
✗
🛡
Low Volatility
✗
🏷
Sector Cheapest
✗
🧠
Capital Allocators
✗
⚡
Risk-Adj Momentum
✗
V
Value Analysis
Cheapness relative to fundamentals
34.0%ile
P/E
10.3×
P/S
0.2×
P/B
3.0×
E/P
0.0546
FCF Yield
-0.302
EBITDA/EV
0.058
SH Yield
0.198
Relative Strength Across Value Dimensions
Multiples & Yields — Decomposition
VC1 (5-Factor)
26.00000000
/100 — 1=cheapest
VC2 (Trending Value)
17.00000000
/100
VC3 (Buyback)
18.00000000
/100
P/E of 10.3x places this firmly in deep value territory. Negative FCF yield (-30.2%) — the business is currently cash-consumptive.
Q
Quality Analysis
Profitability, efficiency, balance sheet & earnings quality
66.0%ile
ROE
0.289
ROA
0.003
Net Margin
0.021
Op Margin
0.314
GPA
0.133
D/E
76.97
Current
0.20
F-Score
6/9
Quality Radar — Relative Strength
Profitability & Leverage Breakdown
Rev Growth
1.003
Stability
1.962
lower=better
Accruals
0.287
lower=better
5yr Consist
No
ROE of 29% is exceptional. Highly leveraged with D/E of 76.97 — returns are being amplified by debt. Accruals ratio of 0.287 is elevated — earnings quality may be lower than headline numbers suggest.
M
Momentum & Risk
Price trend, volatility regime, risk-adjusted returns
5.0%ile
6M Return
-64.5%
12M Return
-47.0%
12-1 Mom
-41.8%
Risk-Adj
-0.73
Vol 252d
57.1%
Vol 60d
118.4%
↑ Expanding
Max DD 12M
-67.2%
Return Comparison — 6M / 12M / 12-1
Volatility Regime — 60d vs 252d
12-1 momentum of -42% signals a downtrend — price is moving against you. Near-term vol (118%) is expanding vs long-term (57%) — risk is increasing.
OS
Composite & Factor Heatmap
All factors at a glance
0.18
Pillar Balance — Value / Quality / Momentum
Factor Heatmap — green=strong, red=weak
▦
Sector Context
Financial Services
· 500 peers
Sector Value %ile
0.6%
Sector Quality %ile
37.5%
P/E z-score
-0.24
P/B z-score
-0.05
Sector Avg OS
85.5%
Ticker vs Sector Averages
Relative Valuation Z-Score
Top Sector Peers (By OS)
Factor Interactions
Growth at Reasonable Price
Revenue growing 100% with P/E of 10×. Growth isn't fully priced in.
Leveraged Returns
Strong ROE (29%) boosted by high leverage (D/E 77.0). Returns look good but come with balance sheet risk.
Earnings Quality Concern
ROE looks strong (29%) but high accruals (0.287) suggests earnings are accrual-heavy, not cash-backed.
Volatility Expanding
60-day vol (118%) significantly exceeds 252-day (57%). Near-term risk is elevated.
⚖
Factor Analysis
Comprehensive factor intelligence — strengths, weaknesses & cross-factor profile
Value
B
60.1% avg (7 factors)
Quality
F
29.3% avg (8 factors)
Momentum
F
1.7% avg (4 factors)
Risk
F
21.4% avg (1 factors)
Deep value territory, but quality is concerning. This is either a turnaround opportunity or a value trap — the F-Score and accruals ratio will be key differentiators. Momentum is weak, suggesting the market isn't yet buying this thesis. Patience required. Elevated risk profile — position sizing should reflect the higher volatility.
▲ Top Strengths — highest scoring factors
▼ Key Weaknesses — lowest scoring factors
Score Trends7 snapshots
Factor Persistence7 snapshots
| Factor | Current | Streak | Trend | Spark |
|---|---|---|---|---|
| OS Composite | 0.180 | —7 | — | |
| Value %ile | 0.340 | —0 | — | |
| Quality %ile | 0.660 | —0 | — | |
| Momentum %ile | 0.050 | —7 | — | |
| F-Score | 6.000 | —0 | — | |
| Confidence | 0.881 | —7 | — | |
| Volatility | 0.571 | —7 | — |
Value Lens2021-07-20 → 2026-07-19
P/E Ratio
Earnings Yield
Value FactorsCheapness relative to fundamentals — lower multiples = cheaper
P/E Ratio
10.33
Earnings Yield (E/P)
0.0546
Price / Sales
0.22
Price / Book
2.99
FCF Yield
-30.2%
EBITDA / EV
5.8%
Sales Yield (1/P·S)
0.1738
Shareholder Yield
Div + net buyback / mktcap
19.8%
Quality FactorsProfitability, efficiency, and balance sheet strength
Return on Equity
28.9%
Return on Assets
0.3%
Net Margin
2.1%
Operating Margin
31.4%
Gross Profit / Assets
Novy-Marx GPA
13.3%
Debt / Equity
76.97
Current Ratio
0.20
Accruals Ratio
(NI-OCF)/Assets — lower=better
0.287
MomentumPrice trend strength over different horizons
6M Return
-64.5%
12M Return
-47.0%
12-1 Momentum
Jegadeesh-Titman (skip recent month)
-41.8%
Risk-Adjusted Momentum
Mom 12-1 ÷ Vol
-0.73
Growth & StabilityEarnings trajectory, consistency, and capital allocation
Revenue Growth (YoY)
100.3%
Earnings Stability (CV)
Lower = more stable
1.962
5yr Consistent
EPS up every year for 5 years
No
Piotroski F-Score
6
Dividend Yield
19.8%
Buyback Yield
0.0%
O'Shaughnessy CompositesValue Composites (WWOWS 4th Ed) — 1=cheapest, 100=most expensive
VC1 (5-factor)
P/E+P/S+P/B+P/CF+EBITDA/EV
26
VC2 (6-factor)
VC1 + Shareholder Yield — used for Trending Value
17
VC3 (6-factor)
VC1 + Buyback Yield — no dividend preference
18
Capital Allocation & AlphaAlpha within factors — quality of management decisions
Veiled Value
Expensive by P/B, cheap by everything else
No
Market Leader
Above-avg mcap+revenue, non-utility
No
All Stocks Universe
Market cap > $200M
Yes
Tiny Titan
Micro-cap, low P/S, positive momentum
No
Quarterly Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity
Annual Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity