Chime Financial, Inc. vs UWM HOLDINGS CORPORATION, two Mortgage Finance stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
Economically these are a deposit franchise in embryo and a mortgage machine at rest: Chime collects interchange on everyday spending, currently at a negative 41.9% net margin while it scales; UWM originates wholesale mortgages at a 1.9% net margin, idling at the bottom of the rate cycle under 1.86 turns of debt. Neither trailing year flatters, but UWM at 6.6 times earnings is priced for its trough and Chime, unpriceable, for its destination. UWM's negative 158% free-cash figure is warehouse-lending plumbing, not a going-concern signal. The market pays double for the embryo, $8B against $4B. Rates will decide one of these stories; execution alone decides the other.
Comparison updated 2026-07-10.
| Metric | CHYM | UWMC |
|---|---|---|
| Price | $20.26 | $2.19 |
| Market cap | $8.1B | $3.5B |
| Sector | Financial Services | Financial Services |
| Stage | Growth | Growth |
| Implied growth (priced in) | — | +12.6% |
| P/E | — | 6.6 |
| P/B | 5.63 | 2.19 |
| P/S | 3.50 | 1.02 |
| EV/EBITDA | — | 103.7 |
| Revenue growth | +30.4% | +28.3% |
| Gross margin | 89.6% | — |
| Operating margin | 7.1% | — |
| Net margin | -41.9% | 1.9% |
| Return on equity | -67.3% | 4.2% |
| Return on assets | -49.7% | 0.3% |
| Debt / equity | 0.00 | 1.86 |
| Current ratio | 5.07 | — |
| Altman Z (solvency) | 5.74 | 0.31 |
| Piotroski F (quality) | 7 / 9 | 6 / 9 |
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The stronger value is highlighted per metric where one is strictly better on that single number; it is not an overall verdict on either company. For informational and research purposes only. Not investment advice. Not a recommendation to buy, sell, or hold any security. boothcheck is not a registered investment adviser. Past performance does not guarantee future results.