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U.S. Thrifts and Mortgage Finance Industry Analysis

UpdatedNov 14, 2025
DataAggregated Company Financials
Companies29
  • 7D2.7%
  • 3M-2.1%
  • 1Y11.9%
  • YTDn/a

Over the last 7 days, the Thrifts and Mortgage Finance industry has risen 2.7%, driven by gains from Enact Holdings of 0.8%. In the same time, Better Home & Finance Holding was down 15%. This means that the industry has gained 12% over the past year. Looking forward, earnings are forecast to grow by 66% annually.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Tue, 18 Nov 2025US$99.0bUS$21.2bUS$3.8b9x25.9x4.7x
Thu, 16 Oct 2025US$95.7bUS$20.7bUS$3.8b8.9x25.4x4.6x
Sat, 13 Sep 2025US$110.5bUS$23.0bUS$4.3b9.5x25.4x4.8x
Mon, 11 Aug 2025US$91.5bUS$22.9bUS$4.6b9x20.1x4x
Wed, 09 Jul 2025US$81.0bUS$22.4bUS$4.6b10.4x17.6x3.6x
Fri, 06 Jun 2025US$75.6bUS$22.4bUS$4.6b10x16.5x3.4x
Sun, 04 May 2025US$77.4bUS$22.7bUS$4.7b10.1x16.4x3.4x
Tue, 01 Apr 2025US$78.6bUS$22.2bUS$4.8b10.2x16.4x3.5x
Thu, 27 Feb 2025US$82.7bUS$21.5bUS$4.5b9.9x18.5x3.9x
Sat, 25 Jan 2025US$79.3bUS$21.5bUS$4.1b9.5x19.4x3.7x
Mon, 23 Dec 2024US$76.7bUS$21.5bUS$4.1b9.3x18.7x3.6x
Wed, 20 Nov 2024US$81.9bUS$21.5bUS$4.1b9.3x20x3.8x
Fri, 18 Oct 2024US$98.1bUS$20.8bUS$4.5b10.6x22x4.7x
Sun, 15 Sep 2024US$102.3bUS$20.8bUS$4.5b10x23x4.9x
Tue, 13 Aug 2024US$94.3bUS$20.8bUS$4.5b9.3x21.2x4.5x
Thu, 11 Jul 2024US$79.4bUS$20.2bUS$3.8b8.4x20.9x3.9x
Sat, 08 Jun 2024US$83.0bUS$20.2bUS$3.8b8.6x21.9x4.1x
Mon, 06 May 2024US$79.2bUS$20.0bUS$3.7b8.1x21.6x4x
Wed, 03 Apr 2024US$70.6bUS$17.0bUS$3.4b9x20.5x4.2x
Fri, 01 Mar 2024US$73.9bUS$19.2bUS$3.3b8.1x22.7x3.9x
Sun, 28 Jan 2024US$78.5bUS$19.7bUS$3.2b9.6x24.2x4x
Tue, 26 Dec 2023US$84.1bUS$19.7bUS$3.2b9.3x26x4.3x
Thu, 23 Nov 2023US$65.5bUS$19.7bUS$3.2b8.7x20.2x3.3x
Sat, 21 Oct 2023US$61.2bUS$20.0bUS$4.0b9.1x15.1x3.1x
Mon, 18 Sep 2023US$68.2bUS$20.0bUS$4.0b9.3x16.9x3.4x
Wed, 16 Aug 2023US$75.2bUS$19.9bUS$4.0b11.2x18.6x3.8x
Fri, 14 Jul 2023US$70.9bUS$20.3bUS$4.3b10.2x16.6x3.5x
Sun, 11 Jun 2023US$65.5bUS$20.3bUS$4.3b9.9x15.3x3.2x
Tue, 09 May 2023US$62.0bUS$21.3bUS$4.7b8.7x13.1x2.9x
Thu, 06 Apr 2023US$61.3bUS$24.0bUS$5.7b7.4x10.7x2.6x
Sat, 04 Mar 2023US$90.8bUS$32.4bUS$8.2b12.2x11.1x2.8x
Mon, 30 Jan 2023US$93.5bUS$35.8bUS$8.7b11.5x10.8x2.6x
Wed, 28 Dec 2022US$83.1bUS$35.7bUS$8.7b11.4x9.6x2.3x
Fri, 25 Nov 2022US$85.4bUS$35.8bUS$8.7b11.8x9.8x2.4x
Price to Earnings Ratio

9.8x


Total Market Cap: US$85.4bTotal Earnings: US$8.7bTotal Revenue: US$35.8bTotal Market Cap vs Earnings and Revenue0%0%0%
U.S. Thrifts and Mortgage Finance Industry Price to Earnings3Y Average 18.3x202320242025
Current Industry PE
  • Investors are optimistic on the American Thrifts and Mortgage Finance industry, and appear confident in long term growth rates.
  • The industry is trading at a PE ratio of 25.9x which is higher than its 3-year average PE of 18.3x.
  • The 3-year average PS ratio of 3.6x is lower than the industry's current PS ratio of 4.7x.
Past Earnings Growth
  • The earnings for companies in the Thrifts and Mortgage Finance industry have declined 24% per year over the last three years,
  • Revenues have also declined 16% per year.
  • This means overall sales from these companies are declining and profits are subsequently falling as well.

Industry Comparison

How does U.S. Thrifts and Mortgage Finance compare with similar industries?

US Market-0.39%
Financials-0.68%
Mortgage Finance0%0
Thrifts and Mortgage Finance2.69%
Industry PEThere are no additional sub-industries under this industry.
Forecasted GrowthThere are no additional sub-industries under this industry.

Top Stock Gainers and Losers

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

CompanyLast Price7D1YValuation
ONIT Onity GroupUS$41.442.0%
+US$6.5m		37.4%PE10.9x
AGM Federal Agricultural MortgageUS$162.940.05%
+US$872.4k		-21.2%PE9.2x

Latest News

RKT
US$16.42
Rocket Companies
7D
-3.9%
1Y
22.3%

RKT: Profit Margin Improvement Will Drive Shares Toward Updated Fair Value

Analysts have raised their target price for Rocket Companies from $18.67 to $19.92. They cite improved profit margin estimates, which offset lower projected revenue growth and a higher discount rate.
RDN
US$34.30
Radian Group
7D
-2.9%
1Y
0.7%
UWMC
US$4.90
UWM Holdings
7D
-9.9%
1Y
-17.1%

UWMC: Strong Credit Trends Will Likely Improve Earnings Amid Rate Uncertainty

The average analyst price target for UWM Holdings has increased from $6.59 to $7.00. This reflects improved outlooks on revenue growth, profit margins, and fair value as analysts cite strong credit performance and a more optimistic mortgage market despite elevated rate expectations.
MTG
US$27.60
MGIC Investment
7D
-2.4%
1Y
11.3%

MTG: Strong Credit Performance and Economic Caution Will Shape Outlook

Analysts Raise Price Target for MGIC Investment Analysts have increased their price target for MGIC Investment by $1 to $28, citing continued strong credit performance and tempered optimism in the mortgage market, even as economic caution persists. Analyst Commentary Following the recent price target adjustment, analysts have shared a balanced view on MGIC Investment, highlighting both reasons for optimism and key areas of caution as the company heads into its Q3 results.
WD
US$62.20
Walker & Dunlop
7D
-6.2%
1Y
-41.7%
ESNT
US$60.17
Essent Group
7D
-2.6%
1Y
7.4%
ONIT
US$41.44
Onity Group
7D
2.0%
1Y
37.4%
PFSI
US$124.47
PennyMac Financial Services
7D
-2.2%
1Y
21.5%
AGM
US$162.94
Federal Agricultural Mortgage
7D
0.05%
1Y
-21.2%
BETR
US$52.63
Better Home & Finance Holding
7D
-20.3%
1Y
304.8%