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ZYBERNO

Stock Report

Updated Jun 12, 2026

UNITED HOMES GROUP, INC. (UHGWW)

Industrial • NASDAQ

$0.24

Professional Investment Analysis

ZYBERNO SCORE →

Is it a great business? Is it getting better?

7.0/100

POOR BUSINESS

UNITED HOMES GROUP, INC. (UHGWW) scores 7/100 — concerning metrics indicating significant structural or financial risks.

📊 How is the Zyberno Score calculated? +

The Zyberno Score answers one question: "Is this a quality business worth owning?" It's a 0-100 investment grade that evaluates business fundamentals across four critical dimensions, based on principles from Warren Buffett, Benjamin Graham, Peter Lynch, and Charlie Munger.

The 4 Core Categories (25 points each):

1. PROFITABILITY (25 pts)

Metrics: ROE, ROIC, Net Margin, Operating Margin
Thresholds: ROE >20% excellent • ROIC >20% excellent • Net Margin >20% excellent • Operating Margin >25% excellent

2. FINANCIAL STRENGTH (25 pts)

Metrics: Debt-to-Equity, Current Ratio, Interest Coverage, Altman Z-Score
Thresholds: D/E <0.3 excellent • Current Ratio >2.5 excellent • Interest Coverage >10x excellent • Altman Z >3.0 safe

3. CASH FLOW QUALITY (25 pts)

Metrics: Free Cash Flow, OCF vs Net Income, FCF Margin
Thresholds: Positive & growing FCF excellent • OCF/NI >1.2x excellent (cash earnings exceed accounting)

4. GROWTH & CONSISTENCY (25 pts)

Metrics: Revenue Growth, Net Income Growth, FCF Growth, Piotroski F-Score
Thresholds: Growth via log-linear regression • Piotroski 8-9 excellent, 6-7 good

Score Interpretation:

75-100

GREAT BUSINESS

65-74

GOOD BUSINESS

50-64

AVERAGE BUSINESS

30-49

WEAK BUSINESS

0-29

POOR BUSINESS

→ View full UHGWW quality analysis & detailed breakdown

VALUATION SIGNAL

MARGIN OF SAFETY

Is this stock cheap or expensive relative to what the business has historically generated for owners?

Margin of Safety unavailable — insufficient data for the owner-earnings DCF.

BRINA GAP ↗

Is the market underestimating or overestimating what this business is capable of going forward?

-2.8%

Fairly Priced

💰 How is Margin of Safety calculated? +

Margin of Safety measures how much discount or premium you're paying relative to a stock's intrinsic value. It's Benjamin Graham's core principle: the larger the margin, the lower your downside risk.

Formula: (Intrinsic Value − Current Price) ÷ Intrinsic Value × 100%

How We Calculate Intrinsic Value (DCF Method):

Step 1: Calculate current Owner Earnings (OCF − Maintenance CapEx)

Step 2: Calculate company-specific growth rate using log-linear regression on 16 quarters of Owner Earnings

Step 3: Project 10 years forward using the calculated growth rate

Step 4: Discount each year's cash flow to present value using 10% discount rate

Step 5: Calculate terminal value using 3% perpetual growth rate

Step 6: Sum all discounted cash flows = Intrinsic Value

What The Percentages Mean:

+50% or more

EXCELLENT — Very undervalued

+25% to +50%

GOOD — Attractive discount

0% to +25%

FAIR — Reasonable value

0% to -25%

CAUTION — Slight premium

-25% or worse

POOR — Overvalued

"Price is what you pay, value is what you get." — Warren Buffett

→ View full UHGWW valuation analysis · → View full UHGWW Brina Gap analysis

📈 How is Brina Gap calculated? +

Brina Gap measures the difference between the growth a business can fundamentally sustain and the growth the market is already pricing in.

Formula: Fundamental Growth Rate − Market-Implied Growth Rate

The Two Components:

Fundamental Growth Rate = ROIC × Reinvestment Rate

What the business can sustainably grow at based on how much it reinvests and what return it earns on that capital. Grounded in historical financials.

Market-Implied Growth Rate = Reverse DCF

The growth rate the current Enterprise Value implicitly assumes. Calculated by back-solving a 10-year DCF model (10% WACC, 3% terminal growth) until the present value of projected cash flows equals EV.

What The Gap Means:

Gap > +5% Market Underestimates — potential upside

+2% to +5% Slight Underestimate

-2% to +2% Fairly Priced — market consensus matches fundamentals

-5% to -2% Slight Overestimate

Gap < -5% Market Overestimates — price embeds optimism fundamentals don't support

A positive gap (market underestimates) combined with a positive Margin of Safety is the strongest combined signal — the business is both cheap historically and forward economics are stronger than the price suggests.

Critical Financial Health Indicators

Return on Equity (Profitability):CRITICAL (-23.3%)

Debt-to-Equity (Solvency Risk):POOR (1.21x)

Operating Margin (Operational Efficiency):POOR (4.7%)

Return on Capital (Capital Efficiency):POOR (5.4%)

📊 Valuation Trilogy

Three interconnected metrics for complete valuation analysis

Click any metric for full methodology and detailed analysis

Zyberno's Verdict

UNITED HOMES GROUP, INC. (UHGWW) stock report — Zyberno Score 7/100 (POOR BUSINESS). Full financial analysis on Zyberno.

According to Zyberno's DCF model, UNITED HOMES GROUP, INC. (UHGWW) shows a Brina Gap of -2.8%, which weakens the case: based on the company's ROIC (5.4%) and reinvestment rate (-3.8%), the business can fundamentally grow at -0.2% — but the current enterprise value implies the market expects 2.6%.

Over the trailing twelve months, UHGWW generated -$21.26M in Owner Earnings. Capital was deployed as follows: $2.05M invested in capital expenditures. Reinvestment rate: -3.8%.

DIVISION I: EXECUTIVE SUMMARY

A. Market Valuation

Market Price & Capitalization (2)

Current Price:0.24

Market Cap:$13.80M

Valuation Multiples (3)

P/B Ratio:0.24x

P/S Ratio:0.03x

Peg Ratio:-999.00x

Enterprise Metrics (2)

Enterprise Value:$135.02M

Ev Ebitda Ratio:6.48x

B. Profitability Assessment

Return Metrics (7)

ROE:

-23.3%

📊 Click to view full UHGWW ROE analysis →

ROA:-5.8%

Roic:

5.4%

📊 Click to view full UHGWW ROIC analysis →

Reinvestment Rate:-3.8%

Fundamental Growth Rate (g):-0.2%

Market-Implied Growth Rate:2.6%

Brina Gap:

-2.8%

☷ Click to view full UHGWW Brina Gap analysis →

Margin Analysis (3)

Operating Margin Ttm:4.7%

Net Margin Ttm:-4.0%

Ebitda Margin:5.1%

TTM Performance (3)

Gross Margin Ttm:17.6%

Operating Margin Ttm:4.7%

Net Margin Ttm:-4.0%

Yield Metrics (2)

Earnings Yield:-$119.15

Dividend Yield:0.0%

C. Log-Linear Regression Growth Trends

Revenue Growth (Linear) (1)

Revenue Growth Rate (Linear):1.4%

Earnings Growth (Linear) (1)

Net Income Growth Rate (Linear):15.7%

Cash Flow Growth (Linear) (2)

Free Cash Flow Growth Rate (Linear):-50.0%

Operating Cash Flow Growth Rate (Linear):-50.0%

Operating Growth (Linear) (1)

Operating Income Growth Rate (Linear):17.8%

D. Financial Stability

Liquidity Ratios (3)

Current Ratio:0.11x

Quick Ratio:-0.71x

Cash Ratio:0.11x

Leverage Analysis (3)

Debt To Equity Ttm:1.21x

Debt-to-Equity Ratio:1.21x

Debt To Ebitda:6.99x

Coverage Ratios (2)

Interest Coverage Ratio:0.00x

Times Interest Earned:0.00

Capital Structure (4)

Working Capital:-194,841,000.00

Cash And Cash Equivalents:24,419,000.00

Long Term Debt:$67.45M

Net Debt:$121.23M

DIVISION II: FINANCIAL STATEMENTS ANALYSIS

A. Income Statement Analysis

Revenue Components (2)

Revenue TTM: $406.69M

Linear Growth: 1.4%

📊 Click to view full UHGWW Revenue analysis & methodology →

Cost Of Revenue Ttm:$334.96M

Profitability Breakdown (2)

Gross profit TTM: $71.74M

Linear Growth: -1.3%

📊 Click to view full UHGWW Gross Profit analysis & methodology →

Operating income TTM: $19.26M

Linear Growth: 17.8%

📊 Click to view full UHGWW Operating Income analysis & methodology →

Bottom Line Performance (3)

Net income TTM: -$16.25M

Linear Growth: 15.7%

📊 Click to view full UHGWW Net Income analysis & methodology →

Income Before Tax:$495.00K

Ebitda Ttm:20,844,368.00

Operating Expenses (5)

Operating Expenses:0.00

R And D Expense:0.00

Sga Expense:71,766,000.00

Income Tax Expense:$16.75M

Interest Expense:14,828,000.00

Expense Ratios (3)

R And D To Revenue Percentage:0.0%

Sga To Revenue Percentage:58.2%

Ebitda Margin:5.1%

B. Balance Sheet Analysis

Asset Composition (5)

Total Assets:$276.63M

Current Assets:$24.42M

Ppe Net:2,125,000.00

Goodwill:8,133,000.00

Intangible Assets:$0.00

Liability Structure (4)

Total Liabilities:219,260,000.00

Current Liabilities:219,260,000.00

Long Term Debt:$67.45M

Short Term Debt:$78.20M

Equity & Capital (3)

Equity:$57.37M

Retained Earnings:-$3.33M

Common Stock:0.00

Working Capital Items (3)

Accounts Receivable:0.00

Inventory:180,368,000.00

Accounts Payable:0.00

Special Items (2)

Contract Liabilities:12,681.00

Stock Based Compensation:1,259,000.00

C. Cash Flow Analysis

Operating Activities (2)

Operating cash flow TTM: -$19.58M

Linear Growth: -50.0%

Free cash flow TTM: -$21.63M

Linear Growth: -50.0%

📊 Click to view full UHGWW Free Cash Flow analysis & methodology →

Investment Activities (2)

Investing Cash Flow:-$736.00K

Capital Expenditures Ttm:2,052,000.00

Financing Activities (3)

Financing Cash Flow:-$2.05M

Dividends Paid Ttm:0.00

Stock Repurchase:0.00

Capital Transactions (3)

Common Stock Issuance:0.00

Long Term Debt Issuance:$0.00

Long Term Debt Repayments:$0.00

Non-Cash Items (1)

Depreciation Amortization Ttm:1,585,368.00

DIVISION III: OPERATIONAL METRICS

A. Per Share Analysis

Earnings Per Share (3)

EPS (Basic TTM):-0.28

Eps diluted TTM: -$0.28

Linear Growth: -50.0%

📊 Click to view full UHGWW EPS analysis & methodology →

Earnings Per Share Ttm:-$0.28

Revenue & Cash Per Share (2)

Sales Per Share Ttm:6.93

Operating Cash Flow Per Share:-$0.33

Book Value & Capital (2)

Book Value Per Share:$0.98

Cash Per Share:0.42

Dividend Policy (1)

Dividend Payout Ratio:-999.00x

B. Operational Efficiency

Asset Utilization (2)

Asset Turnover Ttm:1.46x

Working Capital Turnover Ttm:-999.00x

Receivables Management (2)

Receivables Turnover Ttm:-999.00x

Days Sales Outstanding Ttm:-999.00

Inventory Management (2)

Inventory Turnover Ttm:1.86x

Days Inventory Outstanding Ttm:196.55

Payables & Cash Cycle (2)

Days Payable Outstanding:-999.00

Cash Conversion Cycle:196.55

C. Quality & Risk Metrics

Financial Quality Scores (2)

Financial Strength Score:20.00

Quality Score:20.00

Market Metrics (2)

Beta:0.00x

Volatility Category:unknown

DIVISION IV: INVESTMENT ANALYSIS

A. Value Investment Framework

Owner Earnings Analysis (1)

-$21.26M

Damodaran Growth Analysis (4)

Reinvestment Rate:-3.8%

Fundamental Growth Rate (g):-0.2%

Market-Implied Growth Rate:2.6%

Brina Gap:

-2.8%

☷ Click to view full UHGWW Brina Gap analysis →

B. Log-Linear Regression Growth Analysis

Growth Rates (Log-Linear Regression) (3)

Revenue Growth Rate (Linear):1.4%

Net Income Growth Rate (Linear):15.7%

Operating Income Growth Rate (Linear):17.8%

Cash Flow Growth Rates (2)

Free Cash Flow Growth Rate (Linear):-50.0%

Operating Cash Flow Growth Rate (Linear):-50.0%

Other Growth Rates (2)

Gross Profit Growth Rate (Linear):-1.3%

Book Value Growth Rate (Linear):79.0%

C. Company Profile & Context

Corporate Information (6)

Symbol:UHGWW

Company Name:UNITED HOMES GROUP, INC.

Sector:Industrial

Industry:Construction

Exchange:NASDAQ

Country:United States

Market Classification (3)

Market Cap Category:N/A

Price Category:penny

Volume Category:N/A

Share Structure (3)

Shares Outstanding:58.70M

Shares Outstanding Basic:58.70M

Shares Outstanding Diluted:58.70M

Data Processing Info (3)

Processing Version:v3.0

Last Updated:2026-06-12 13:14:34 UTC

Data Timestamp:2026-06-12T13:14:34.159275