Overview Dividends

(UHG) United Homes - Ratings and Ratios

Exchange: NASDAQ • Country: United States • Currency: USD • Type: Common Stock • ISIN: US91060H1086

Detached Homes, Attached Homes, Townhomes, Duplexes, Custom Builds

UHG EPS (Earnings per Share)

EPS Growth (3Y CAGR): -0.32%
EPS Trend (3Y Correlation): 5.7%

UHG Revenue

Revenue Growth (3Y CAGR): -1.84%
Revenue Trend (3Y Correlation): -2.3%

Description: UHG United Homes November 04, 2025

United Homes Group, Inc. (NASDAQ: UHG) is a regional homebuilder focused on the Carolinas and Georgia, offering detached single-family homes as well as attached formats (duplexes, townhouses) across entry-level to custom-build segments. The company, founded in 2004 and headquartered in Chapin, South Carolina, markets its products to first-time buyers and multiple “move-up” cohorts, positioning itself as a full-spectrum builder in the Southeast housing market.

Recent operating data (Q2 2024) show UHG delivering ≈ 1,200 units year-to-date, with an average selling price (ASP) of roughly $340 k-about 5 % above the regional median, reflecting a modest premium for its design-build capabilities. Inventory turnover remains brisk at ~30 days, and the firm’s backlog grew to ≈ 1,500 units, suggesting continued pipeline strength despite a slight uptick in mortgage rates (currently ~6.8 % for 30-year fixed). Key sector drivers include the South-East’s population inflow (≈ 1 % annual growth) and a relatively tight housing supply, both of which support demand for UHG’s mid-range offerings.

For a deeper, data-driven assessment of UHG’s valuation and risk profile, you may find the analytical tools on ValueRay useful-especially its forward-looking cash-flow models that incorporate regional economic trends.

UHG Stock Overview

Market Cap in USD	84m
Sub-Industry	Apparel, Accessories & Luxury Goods
IPO / Inception	2021-03-29

UHG Stock Ratings

Growth Rating	-72.4%
Fundamental	50.1%
Dividend Rating	-
Return 12m vs S&P 500	-79.3%
Analyst Rating	-

UHG Dividends

Currently no dividends paid

UHG Growth Ratios

Growth Correlation 3m	-44.6%
Growth Correlation 12m	-38.9%
Growth Correlation 5y	-73.3%
CAGR 5y	-47.62%
CAGR/Max DD 3y (Calmar Ratio)	-0.51
CAGR/Mean DD 3y (Pain Ratio)	-0.78
Sharpe Ratio 12m	-2.01
Alpha	-97.43
Beta	1.144
Volatility	192.46%
Current Volume	127.2k
Average Volume 20d	365.8k
Stop Loss	1.3 (-10.3%)
Signal	-1.13

Piotroski VR‑10 (Strict, 0-10) 4.0

Net Income (5.17m TTM) > 0 and > 6% of Revenue (6% = 26.8m TTM)

FCFTA 54.92 (>2.0%) and ΔFCFTA 5506 pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 36.99% (prev 33.85%; Δ 3.14pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.14 (>3.0%) and CFO 39.4m > Net Income 5.17m (YES >=105%, WARN >=100%)

Net Debt (95.9m) to EBITDA (14.0m) ratio: 6.84 <= 3.0 (WARN <= 3.5)

Current Ratio 8.41 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (58.6m) change vs 12m ago -7.53% (target <= -2.0% for YES)

Gross Margin 17.54% (prev 18.37%; Δ -0.84pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 157.8% (prev 146.0%; Δ 11.79pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 1.07 (EBITDA TTM 14.0m / Interest Expense TTM 11.5m) >= 6 (WARN >= 3)

Altman Z'' 4.56

(A) 0.59 = (Total Current Assets 187.2m - Total Current Liabilities 22.3m) / Total Assets 281.1m

(B) 0.09 = Retained Earnings (Balance) 24.8m / Total Assets 281.1m

(D) 0.12 = Book Value of Equity 24.8m / Total Liabilities 198.9m

Total Rating: 4.56 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 50.07

1. Piotroski 4.0pt = -1.0

2. FCF Yield data missing

3. FCF Margin data missing

4. Debt/Equity 1.63 = 1.30

5. Debt/Ebitda 6.84 = -2.50

6. ROIC - WACC (= 1.19)% = 1.49

7. RoE 8.08% = 0.67

8. Rev. Trend -2.32% = -0.17

9. EPS Trend 5.68% = 0.28

What is the price of UHG shares?

As of November 06, 2025, the stock is trading at USD 1.45 with a total of 127,157 shares traded.
Over the past week, the price has changed by -11.04%, over one month by -65.31%, over three months by -65.06% and over the past year by -75.38%.

Is United Homes a good stock to buy?

Neither. Based on ValueRay´s Fundamental Analyses, United Homes is currently (November 2025) neither a good nor a bad stock to buy. It has a ValueRay Fundamental Rating of 50.07 and therefor a neutral outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of UHG is around 0.92 USD . This means that UHG is currently overvalued and has a potential downside of -36.55%.

Is UHG a buy, sell or hold?

United Homes has no consensus analysts rating.

What are the forecasts/targets for the UHG price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	-	-
Analysts Target Price	-	-
ValueRay Target Price	1	-31.7%

UHG Fundamental Data Overview November 05, 2025

Market Cap USD = 83.5m (83.5m USD * 1.0 USD.USD)
P/E Trailing = 28.4
P/S = 0.1872
P/B = 2.9487
Beta = 1.144
Revenue TTM = 446.0m USD
EBIT TTM = 12.3m USD
EBITDA TTM = 14.0m USD
Long Term Debt = 67.3m USD (from longTermDebt, last quarter)
Short Term Debt = 66.7m USD (from shortTermDebt, last quarter)
Debt = 134.0m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 95.9m USD (from netDebt column, last quarter)
Enterprise Value = 181.0m USD (83.5m + Debt 134.0m - CCE 36.5m)
Interest Coverage Ratio = 1.07 (Ebit TTM 12.3m / Interest Expense TTM 11.5m)
FCF Yield = 8528 % (FCF TTM 15.44b / Enterprise Value 181.0m)
FCF Margin = 3461 % (FCF TTM 15.44b / Revenue TTM 446.0m)
Net Margin = 1.16% (Net Income TTM 5.17m / Revenue TTM 446.0m)
Gross Margin = 17.54% ((Revenue TTM 446.0m - Cost of Revenue TTM 367.8m) / Revenue TTM)
Gross Margin QoQ = 18.88% (prev 16.24%)
Tobins Q-Ratio = 0.64 (Enterprise Value 181.0m / Total Assets 281.1m)
Interest Expense / Debt = 1.78% (Interest Expense 2.38m / Debt 134.0m)
Taxrate = 4.07% (-269.0k / -6.61m)
NOPAT = 11.8m (EBIT 12.3m * (1 - 4.07%))
Current Ratio = 8.41 (Total Current Assets 187.2m / Total Current Liabilities 22.3m)
Debt / Equity = 1.63 (Debt 134.0m / totalStockholderEquity, last quarter 82.2m)
Debt / EBITDA = 6.84 (Net Debt 95.9m / EBITDA 14.0m)
Debt / FCF = 0.01 (Net Debt 95.9m / FCF TTM 15.44b)
Total Stockholder Equity = 64.0m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.84% (Net Income 5.17m / Total Assets 281.1m)
RoE = 8.08% (Net Income TTM 5.17m / Total Stockholder Equity 64.0m)
RoCE = 9.40% (EBIT 12.3m / Capital Employed (Equity 64.0m + L.T.Debt 67.3m))
RoIC = 6.17% (NOPAT 11.8m / Invested Capital 191.7m)
WACC = 4.98% (E(83.5m)/V(217.5m) * Re(10.23%) + D(134.0m)/V(217.5m) * Rd(1.78%) * (1-Tc(0.04)))
Discount Rate = 10.23% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 10.09%
[DCF Debug] Terminal Value 61.27% ; FCFE base≈15.44b ; Y1≈10.13b ; Y5≈4.63b
Fair Price DCF = 3033 (DCF Value 66.21b / Shares Outstanding 21.8m; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: 5.68 | EPS CAGR: -0.32% | SUE: -0.49 | # QB: 0
Revenue Correlation: -2.32 | Revenue CAGR: -1.84% | SUE: N/A | # QB: 0

Additional Sources for UHG Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
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Fund Manager Positions: Dataroma | Stockcircle