(UHG) United Homes - Ratings and Ratios
SingleFamilyHouses, DetachedHouses, TownHouses, DuplexHouses
UHG EPS (Earnings per Share)
UHG Revenue
Description: UHG United Homes
United Homes Group Inc. (UHG) is a residential builder operating primarily in the southeastern United States, with a focus on entry-level and move-up single-family homes in South Carolina, North Carolina, and Georgia. The companys land-light strategy allows it to control building lots through option contracts, mitigating the risks associated with raw land acquisition and development.
From a growth perspective, UHG targets high-growth markets with substantial in-migrations and employment growth, favorable demographics, and attractive housing affordability. Key performance indicators (KPIs) to watch include the companys homebuilding backlog, sales per community, and absorption rates, which can indicate the health of its operations and demand for its homes.
Analyzing UHGs financials, its Return on Equity (RoE) of 80.50% suggests a high level of profitability relative to shareholder equity. To further evaluate the companys financial health, we can examine its debt-to-equity ratio, interest coverage ratio, and gross margin percentage. A low debt-to-equity ratio and high interest coverage ratio would indicate a healthy balance sheet, while a stable or increasing gross margin percentage would suggest that the company is maintaining its pricing power and managing construction costs effectively.
UHGs valuation, with a P/E ratio of 3.80, appears relatively low compared to its peers, potentially indicating undervaluation. To assess this further, we can compare UHGs P/E ratio to that of its industry peers, as well as examine its Price-to-Book (P/B) ratio and Enterprise Value-to-EBITDA (EV/EBITDA) ratio. These metrics can provide a more comprehensive understanding of the companys valuation relative to its earnings, book value, and cash flow generation.
UHG Stock Overview
| Market Cap in USD | 236m |
| Sub-Industry | Apparel, Accessories & Luxury Goods |
| IPO / Inception | 2021-03-29 |
UHG Stock Ratings
| Growth Rating | -67.9% |
| Fundamental | 57.0% |
| Dividend Rating | - |
| Return 12m vs S&P 500 | -41.1% |
| Analyst Rating | - |
UHG Dividends
Currently no dividends paidUHG Growth Ratios
| Growth Correlation 3m | 68.8% |
| Growth Correlation 12m | -70.3% |
| Growth Correlation 5y | -70.2% |
| CAGR 5y | -17.52% |
| CAGR/Max DD 5y | -0.19 |
| Sharpe Ratio 12m | -1.37 |
| Alpha | -43.24 |
| Beta | 0.798 |
| Volatility | 94.49% |
| Current Volume | 65.5k |
| Average Volume 20d | 125k |
| Stop Loss | 3.8 (-8.9%) |
| Signal | -1.13 |
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income (5.17m TTM) > 0 and > 6% of Revenue (6% = 26.8m TTM) |
| FCFTA 0.0 (>2.0%) and ΔFCFTA -9.88pp (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 |
| (C) 0.04 = EBIT TTM 12.3m / Avg Total Assets 282.5m |
| (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) 57.01
| 1. Piotroski 3.0pt = -2.0 |
| 2. FCF Yield data missing |
| 3. FCF Margin data missing |
| 4. Debt/Equity 1.63 = 1.30 |
| 5. Debt/Ebitda 9.56 = -2.50 |
| 6. ROIC - WACC 13.15% = 12.50 |
| 7. RoE 8.08% = 0.67 |
| 8. Rev. Trend -2.32% = -0.12 |
| 9. Rev. CAGR -1.84% = -0.31 |
| 10. EPS Trend -1.53% = -0.04 |
| 11. EPS CAGR -34.67% = -2.50 |
What is the price of UHG shares?
Over the past week, the price has changed by -7.13%, over one month by -1.88%, over three months by +60.38% and over the past year by -31.07%.
Is United Homes a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of UHG is around 3.75 USD . This means that UHG is currently overvalued and has a potential downside of -10.07%.
Is UHG a buy, sell or hold?
What are the forecasts/targets for the UHG price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | - | - |
| Analysts Target Price | - | - |
| ValueRay Target Price | 4.2 | 0.7% |
Last update: 2025-08-21 02:48
UHG Fundamental Data Overview
CCE Cash And Equivalents = 36.5m USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 80.2
P/S = 0.5287
P/B = 2.8699
Beta = 1.215
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 (Calculated: Short Term 66.7m + Long Term 67.3m)
Net Debt = 95.9m USD (from netDebt column, last quarter)
Enterprise Value = 333.3m USD (235.8m + Debt 134.0m - CCE 36.5m)
Interest Coverage Ratio = 1.07 (Ebit TTM 12.3m / Interest Expense TTM 11.5m)
FCF Yield = none (FCF TTM 0.0 / Enterprise Value 333.3m)
FCF Margin = unknown (0.0 / 445962735.0)
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)
Tobins Q-Ratio = 13.46 (Enterprise Value 333.3m / Book Value Of Equity 24.8m)
Interest Expense / Debt = 1.78% (Interest Expense 2.38m / Debt 134.0m)
Taxrate = -26.13% (set to none) (from yearly Income Tax Expense: -9.72m / 37.2m)
NOPAT = unknown (EBIT/Op.Income or Taxrate missing)
Current Ratio = 8.41 (Total Current Assets 187.2m / Total Current Liabilities 22.3m)
Debt / Equity = 1.63 (Debt 134.0m / last Quarter total Stockholder Equity 82.2m)
Debt / EBITDA = 9.56 (Net Debt 95.9m / EBITDA 14.0m)
Debt / FCF = none (Debt 134.0m / FCF TTM 0.0)
Total Stockholder Equity = 64.0m (last 4 quarters mean)
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 / (Equity 64.0m + L.T.Debt 67.3m))
RoIC = 13.15% (Ebit 12.3m / (Assets 281.1m - Current Assets 187.2m))
WACC = unknown (E(235.8m)/V(369.8m) * Re(8.96%)) + (D(134.0m)/V(369.8m) * Rd(1.78%) * (1-Tc(none)))
Shares Correlation 5-Years: 100.0 | Cagr: 11.75%
Discount Rate = 8.96% (= CAPM, Blume Beta Adj.)
Fair Price DCF = unknown (Cash Flow 0.0)
Revenue Correlation: -2.32 | Revenue CAGR: -1.84%
Rev Growth-of-Growth: 5.85
EPS Correlation: -1.53 | EPS CAGR: -34.67%
EPS Growth-of-Growth: -73.58
Additional Sources for UHG Stock
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Fund Manager Positions: Dataroma | Stockcircle