` Comparison: ACT vs UWMC - Alpha Spread
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ACT
vs
UWMC

Over the past 12 months, ACT has significantly outperformed UWMC, delivering a return of +29% compared to the UWMC's 25% drop.

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

ACT Intrinsic Value
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UWMC Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Enact Holdings Inc
NASDAQ:ACT
43.29 USD
UWM Holdings Corp
NYSE:UWMC
4.89 USD
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Valuation Scenario:
Bear Case
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Growth Comparison

Growth Over Time
ACT, UWMC

ACT
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
Enact Holdings Inc
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
ACT, UWMC

ACT
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
Enact Holdings Inc
NASDAQ:ACT
FCF is not applicable for financial companies
UWM Holdings Corp
NYSE:UWMC
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What is Free Cash Flow?

Gross Margin

ACT
UWMC
88.5%
LTM 3Y Avg 5Y Avg 10Y Avg
Enact Holdings Inc
Not applicable for financial companies
UWM Holdings Corp

Operating Margin

ACT
UWMC
47.1%
LTM 3Y Avg 5Y Avg 10Y Avg
Enact Holdings Inc
Not applicable for financial companies
UWM Holdings Corp

Net Margin

ACT
54.6%
UWMC
0.6%

FCF Margin

ACT
UWMC
-114.3%
LTM 3Y Avg 5Y Avg 10Y Avg
Enact Holdings Inc
Not applicable for financial companies
UWM Holdings Corp

ROE

ACT
13%
UWMC
11.4%

ROA

ACT
10.1%
UWMC
0.1%

ROIC

ACT
UWMC
8.9%
LTM 3Y Avg 5Y Avg 10Y Avg
Enact Holdings Inc
Not applicable for financial companies
UWM Holdings Corp

ROCE

ACT
UWMC
9.2%
LTM 3Y Avg 5Y Avg 10Y Avg
Enact Holdings Inc
Not applicable for financial companies
UWM Holdings Corp

Solvency Comparison

Enact Holdings Inc
Equity Waterfall
Assets
Liabilities
Equity
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UWM Holdings Corp
Equity Waterfall
Assets
Liabilities
Equity
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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
ACT, UWMC

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UWMC
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Performance Gap
ACT, UWMC

Performance Gap Between ACT and UWMC
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Performance By Year
ACT, UWMC

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UWMC
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