Synchrony Financial vs UWM HOLDINGS CORPORATION, two Mortgage Finance stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
Neither shows growth here, and the multiples agree that neither is expected to: 8.1 times earnings at Synchrony, 6.6 at UWM, two single-digit prices on two different kinds of waiting. Synchrony waits for credit normalization while earning a 19.3% net margin and paying 1.5%; UWM waits for rate normalization while earning 1.9% and paying nothing shown. Returns on equity, 21.9% against 4.2%, say one wait is far more comfortable than the other. Both carry the leverage of their trades, 1 and 1.86 turns, and both print cash-flow figures (36.2%, negative 158%) that are accounting weather rather than economics. Two discounts, one earning through its wait; the pair prices patience with and without a salary.
Comparison updated 2026-07-10.
| Metric | SYF | UWMC |
|---|---|---|
| Price | $78.62 | $2.19 |
| Market cap | $27.2B | $3.5B |
| Sector | Financial Services | Financial Services |
| Stage | Mature | Growth |
| Implied growth (priced in) | — | +12.6% |
| P/E | 8.1 | 6.6 |
| P/B | 1.65 | 2.19 |
| P/S | 1.46 | 1.02 |
| EV/EBITDA | 161.3 | 103.7 |
| Revenue growth | +3.1% | +28.3% |
| Net margin | 19.3% | 1.9% |
| Return on equity | 21.9% | 4.2% |
| Return on assets | 3.0% | 0.3% |
| Dividend yield | 1.5% | — |
| Debt / equity | 1.00 | 1.86 |
| Altman Z (solvency) | 0.60 | 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.