PPDAI Group (FINV) Competitors

PPDAI Group (NYSE:FINV) and UWM (NYSE:UWMC) are both mid-cap finance companies, but which is the superior stock? We will compare the two companies based on the strength of their dividends, earnings, risk, valuation, analyst recommendations, profitability, institutional ownership and media sentiment.

Does the media refer more to FINV or UWMC?

In the previous week, UWM had 2 more articles in the media than PPDAI Group. MarketBeat recorded 11 mentions for UWM and 9 mentions for PPDAI Group. PPDAI Group's average media sentiment score of 0.89 beat UWM's score of 0.81 indicating that PPDAI Group is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
PPDAI Group	2 Very Positive mention(s)	2 Positive mention(s)	3 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
UWM	6 Very Positive mention(s)	0 Positive mention(s)	2 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Is FINV or UWMC more profitable?

PPDAI Group has a net margin of 20.28% compared to UWM's net margin of 0.48%. PPDAI Group's return on equity of 18.88% beat UWM's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
PPDAI Group	20.28%	18.88%	12.21%
UWM	0.48%	-5.56%	-0.72%

Which has better valuation and earnings, FINV or UWMC?

PPDAI Group has higher earnings, but lower revenue than UWM. UWM is trading at a lower price-to-earnings ratio than PPDAI Group, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
PPDAI Group	$1.79B	1.26	$326.49M	$1.48	6.00
UWM	$2.16B	4.27	$14.40M	-$0.05	-115.50

Do analysts rate FINV or UWMC?

PPDAI Group presently has a consensus price target of $11.55, indicating a potential upside of 30.14%. UWM has a consensus price target of $5.54, indicating a potential downside of 4.04%. Given PPDAI Group's stronger consensus rating and higher probable upside, equities research analysts plainly believe PPDAI Group is more favorable than UWM.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
PPDAI Group	0 Sell rating(s)	0 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	3.00
UWM	0 Sell rating(s)	5 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	2.17

Do insiders and institutionals hold more shares of FINV or UWMC?

31.2% of PPDAI Group shares are owned by institutional investors. Comparatively, 53.6% of UWM shares are owned by institutional investors. 44.0% of PPDAI Group shares are owned by insiders. Comparatively, 94.1% of UWM shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Which has more volatility and risk, FINV or UWMC?

PPDAI Group has a beta of 0.35, indicating that its stock price is 65% less volatile than the S&P 500. Comparatively, UWM has a beta of 1.7, indicating that its stock price is 70% more volatile than the S&P 500.

Summary

PPDAI Group beats UWM on 10 of the 16 factors compared between the two stocks.