Is PFSI or UWMC more undervalued in 2026?

CirclFi compares PennyMac Financial Services, In (PFSI) and UWM Holdings Corporation (UWMC) using 13 institutional-grade valuation models. PFSI has a Quality of Company score of 6.5/10 while UWMC scores 6.8/10.

Which is a better buy — PFSI or UWMC?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do PFSI and UWMC valuations compare?

PFSI at $83.87 and UWMC at $3.06 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

PFSI vs UWMC Valuation Comparison 2026 — Intrinsic Value Analysis

PFSI

Mortgage Bankers & Loan Correspondents

PennyMac Financial Services, In

Quality

6.5

out of 10

Value Trap

WARN

Price

$83.87

Last close

Models

9/13

Active

UWMC

Mortgage Bankers & Loan Correspondents

UWM Holdings Corporation

Quality

6.8

out of 10

Value Trap

WARN

Price

$3.06

Last close

Models

11/13

Active

Model-by-Model Comparison

Model	Type	PFSI Fair Value	PFSI Upside	UWMC Fair Value	UWMC Upside
Bayesian DCF	Intrinsic	—	—	$10.31	+195.4%
Earnings Power Value	Intrinsic	$107.13	+16.3%	$0.59	-80.7%
EROIC Spread	Intrinsic	$49.75	-40.7%	$0.48	-84.4%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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PFSI vs UWMC — Which Stock Is More Undervalued?

UWMC scores higher with a 6.8/10 quality rating vs PFSI's 6.5/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing PennyMac Financial Services, In (PFSI) and UWM Holdings Corporation (UWMC) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

PFSI currently trades at $83.87 with a QOC of 6.5/10, while UWMC trades at $3.06 with a QOC of 6.8/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).