` Comparison: AFG, UWMC - Alpha Spread

AFG
vs
UWMC

Over the past 12 months, AFG has significantly outperformed UWMC, delivering a return of +48% compared to the UWMC's 8% drop.

Valuation Growth Profitability Solvency Stocks Performance
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AFG
UWMC
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Stocks Compared:
AFG UWMC
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Valuation Comparison

AFG Intrinsic Value
7.3 AUD
Undervaluation 69%
Intrinsic Value
Price
UWMC Intrinsic Value
11.99 USD
Undervaluation 54%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Australian Finance Group Ltd
ASX:AFG
2.25 AUD
UWM Holdings Corp
NYSE:UWMC
5.46 USD
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Valuation Scenario:
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Growth Comparison

Growth Over Time
AFG, UWMC

AFG
UWMC
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
Australian Finance Group Ltd
Revenue
UWM Holdings Corp
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
AFG, UWMC

AFG
UWMC
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
Australian Finance Group Ltd
ASX:AFG
UWM Holdings Corp
NYSE:UWMC
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What is Free Cash Flow?

Gross Margin

AFG
12%
UWMC
88.5%

Operating Margin

AFG
4.5%
UWMC
47.1%

Net Margin

AFG
3.7%
UWMC
0.6%

FCF Margin

AFG
3.2%
UWMC
-114.3%

ROE

AFG
16.8%
UWMC
11.4%

ROA

AFG
0.5%
UWMC
0.1%

ROIC

AFG
0.6%
UWMC
8.9%

ROCE

AFG
0.8%
UWMC
9.2%

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
AFG, UWMC

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AFG
UWMC
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Performance Gap
AFG, UWMC

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AFG
UWMC
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
AFG, UWMC

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UWMC
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