Stocks Comparison
PennyMac Financial Services vs UWM: revenue, profit, margins and growth compared
PennyMac Financial Services brought in $2B of revenue in fiscal 2025, UWM $3.2B in fiscal 2025. Revenue changed by +28.4% at PennyMac Financial Services and +18.2% at UWM on the year before, so PennyMac Financial Services grew faster. PennyMac Financial Services kept 24.5% of its revenue as net profit, UWM 0.9%. Free cash flow was -$1.7B at PennyMac Financial Services and -$2.7B at UWM.
Side by side, latest fiscal year
| PFSI | UWMC | |
|---|---|---|
| Fiscal year ended | FY2025 (December 31, 2025) | FY2025 (December 31, 2025) |
| Revenue | $2B | $3.2B |
| Revenue growth | +28.4% | +18.2% |
| Net income | $501.1M | $27.4M |
| Net margin | 24.5% | 0.9% |
| Free cash flow | -$1.7B | -$2.7B |
| Free cash flow margin | -81.3% | -86.1% |
| Earnings per share (diluted) | $9.30 | $0.12 |
| Cash | $301.7M | $503.4M |
| Debt | $6.2B | $3B |
| Price to earnings | 7.0 | 10.2 |
| Market value | $3.4B | $2B |
| Dividend yield | 1.83% | n/a |
| Rank by revenue in sector | #143 of 444 · Finance | #120 of 444 · Finance |
Over the years
Questions about PennyMac Financial Services and UWM
Which is bigger by revenue, PennyMac Financial Services or UWM?
UWM is bigger by revenue: $3.2B in fiscal 2025, against $2B for PennyMac Financial Services in fiscal 2025.
Which keeps more of its revenue as profit, PennyMac Financial Services or UWM?
PennyMac Financial Services had a net margin of 24.5% in fiscal 2025; UWM had 0.9% in fiscal 2025.
Which grew revenue faster, PennyMac Financial Services or UWM?
In their latest fiscal years revenue changed by +28.4% at PennyMac Financial Services and +18.2% at UWM.
Where do these numbers come from?
From the annual reports each company files with the SEC (10-K, or 20-F and 40-F for foreign companies), read from their XBRL data. Margins and growth are simple arithmetic on those figures. Nothing here is a recommendation.