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U.S. Mortgage Finance Industry Analysis

UpdatedDec 01, 2021
DataAggregated Company Financials
  • 7D-4.0%
  • 3M-4.8%
  • 1Y-2.0%
  • YTD-10.6%

Over the last 7 days, the Mortgage Finance industry has dropped 4.0%, and Walker & Dunlop contributed the most with a 9.2% decline. Meanwhile, Guild Holdings actually outperformed within the industry, gaining 8.0% in the last week. As for the longer term, the industry's performance has been flat for the past year.

Industry Valuation and Performance

Has the U.S. Mortgage Finance Industry valuation changed over the past few years?

DateMarket CapRevenueEarningsPE
Wed, 01 Dec 2021US$121.8bUS$55.1bUS$14.1b12.3x
Fri, 29 Oct 2021US$130.5bUS$59.2bUS$16.1b12.1x
Sun, 26 Sep 2021US$128.2bUS$59.2bUS$16.1b12.1x
Tue, 24 Aug 2021US$82.6bUS$59.0bUS$14.5b12.1x
Wed, 30 Jun 2021US$80.8bUS$59.0bUS$14.5b12x
Sat, 03 Apr 2021US$88.3bUS$61.0bUS$14.4b12.2x
Tue, 05 Jan 2021US$75.0bUS$43.5bUS$6.4b12x
Fri, 09 Oct 2020US$62.4bUS$36.8bUS$5.5b10.4x
Thu, 02 Jul 2020US$73.6bUS$22.7bUS$4.8b11.4x
Sun, 05 Apr 2020US$52.0bUS$21.8bUS$4.8b11.2x
Wed, 08 Jan 2020US$71.4bUS$20.7bUS$4.7b14.3x
Tue, 01 Oct 2019US$68.3bUS$20.6bUS$5.2b14.2x
Fri, 05 Jul 2019US$65.8bUS$19.3bUS$5.9b13.9x
Mon, 08 Apr 2019US$63.5bUS$18.3bUS$5.9b13.8x
Thu, 10 Jan 2019US$56.3bUS$17.4bUS$6.0b13.7x
PE Ratio


Total Market Cap: US$61.9bTotal Earnings: US$4.4bTotal Revenue: US$16.3b0%0%0%3 Year10 Year

Current Industry PE: Investors are relatively neutral on the industry at the moment, considering it's trading close to its 3-year average PE ratio of 12.8x. However, future earnings are expected to decline by 6.0% which could potentially cause the PE ratio to fall below its historical average.

Past Earnings Growth: The earnings for companies in the Mortgage industry have grown 47% per year over the last three years, and revenues for these companies have grown 50% per year. This means that more sales are being generated by these companies overall, and subsequently their profits are increasing too.

Industry Trends

Which industries have driven the changes within the U.S. Mortgage Finance industry?

Thrifts and Mortgage Finance-4.02%

Industry PE: Investors are most optimistic about the Thrifts and Mortgage Finance industry, which is trading close to its 3-year average PE ratio of 12.8x. However analysts are expecting annual earnings decline of 6.0%, which is lower than the prior year's growth of 32% per year. So the market might believe that analysts are underestimating future growth or they expect the Thrifts and Mortgage Finance industry's earnings to deteriorate the least compared to other industries.

Forecasted Growth: Despite it being negative, analysts are least pessimistic on the Thrifts and Mortgage Finance industry since they expect its earnings to decline by only 6.0% per year over the next 5 years, which isn't as bad as the other industries. However, this is a reversal from its past annual earnings growth rate of 32% per year.

Top Stock Gainers and Losers

Which companies have driven the market over the last 7 days?

GHLD Guild Holdings8.0%+US$67.2m-0.9%PB1x
SVBI Severn Bancorp7.2%+US$11.7m114.0%PB1.6x
RKT Rocket Companies0.5%+US$10.8m-23.2%PB43.6x
UWMC UWM Holdings1.3%+US$9.0m-31.9%PB84.7x
BYFC Broadway Financial3.9%+US$7.2m54.4%PB1.4x
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