UWM (NYSE:UWMC – Get Free Report) and Atrium Mortgage Investment (OTCMKTS:AMIVF – Get Free Report) are both finance companies, but which is the superior business? We will compare the two companies based on the strength of their dividends, valuation, institutional ownership, analyst recommendations, earnings, risk and profitability.
Profitability
This table compares UWM and Atrium Mortgage Investment’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| UWM | 0.41% | 14.77% | 3.74% |
| Atrium Mortgage Investment | N/A | N/A | N/A |
Analyst Recommendations
This is a breakdown of current ratings and recommmendations for UWM and Atrium Mortgage Investment, as provided by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| UWM | 3 | 6 | 1 | 0 | 1.80 |
| Atrium Mortgage Investment | 0 | 0 | 0 | 0 | N/A |
Insider and Institutional Ownership
44.4% of UWM shares are held by institutional investors. 94.2% of UWM shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.
Dividends
UWM pays an annual dividend of $0.40 per share and has a dividend yield of 7.4%. Atrium Mortgage Investment pays an annual dividend of $0.75 per share and has a dividend yield of 9.5%. UWM pays out 800.0% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. Atrium Mortgage Investment pays out 96.8% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. Atrium Mortgage Investment is clearly the better dividend stock, given its higher yield and lower payout ratio.
Earnings and Valuation
This table compares UWM and Atrium Mortgage Investment’s revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| UWM | $1.21 billion | 0.41 | $41.72 million | $0.05 | 108.00 |
| Atrium Mortgage Investment | N/A | N/A | N/A | $0.77 | 10.19 |
UWM has higher revenue and earnings than Atrium Mortgage Investment. Atrium Mortgage Investment is trading at a lower price-to-earnings ratio than UWM, indicating that it is currently the more affordable of the two stocks.
Summary
UWM beats Atrium Mortgage Investment on 9 of the 12 factors compared between the two stocks.
About UWM
UWM Holdings Corporation engages in the residential mortgage lending business in the United States. The company originates mortgage loans through wholesale channel. It originates primarily conforming and government loans. UWM Holdings Corporation was founded in 1986 and is headquartered in Pontiac, Michigan.
About Atrium Mortgage Investment
Atrium Mortgage Investment Corporation, a non-bank lender, provides residential and commercial mortgages services in Canada. The company offers various types of mortgage loans, such as land and development financing, construction and mezzanine financing, and commercial term and bridge financing services for residential, multi-residential, and commercial real properties. Atrium Mortgage Investment Corporation was incorporated in 2001 and is headquartered in Toronto, Canada.
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