Overview Dividends

(UWMC) UWM Holdings - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US91823B1098

Mortgage Loans, Wholesale Lending, Conforming Loans, Government Loans

Commercial & Residential Mortgage Finance
Market Cap in USD: 8,488m

IPO / Inception: 2020-03-24
Return 12m vs S&P 500: -15.6%

EPS (Earnings per Share)

EPS CAGR: -47.24%
EPS Trend: -31.7%

Last SUE: -0.60
Qual. Beats: 0

Revenue

Rev. CAGR: -4.30%
Rev. Trend: -4.2%

Last SUE: -0.72
Qual. Beats: 0

Dividends

Dividend Yield	8.55%
Yield on Cost 5y	6.93%
Yield CAGR 5y	0.00%
Payout Consistency	97.0%
Payout Ratio	3.7%

Risk via 10d forecast
Volatility	48.7%
Value at Risk 5%th	73.8%
Relative Tail Risk	-7.92%

Reward TTM
Sharpe Ratio	0.15
Alpha	-16.10
CAGR/Max DD	0.31

Character TTM
Hurst Exponent	0.421
Beta	0.876
Beta Downside	0.916

Drawdowns 3y
Max DD	56.68%
Mean DD	21.16%
Median DD	17.60%

Description: UWMC UWM Holdings November 03, 2025

UWM Holdings Corp. (NYSE: UWMC) is a wholesale-focused mortgage originator, seller, and servicer that primarily underwrites conforming and government-backed residential loans in the United States. Founded in 1986 and based in Pontiac, Michigan, the firm operates exclusively through broker-partner channels rather than retail branches.

As of the most recent quarter, UWM reported a loan origination volume of roughly $30 billion, representing a market-share gain of about 2 percentage points in the wholesale segment, and its net interest margin stabilized near 2.1 % despite a volatile rate environment. The companys performance is tightly linked to Federal Reserve policy-higher policy rates compress mortgage spreads but can also boost loan-size demand as borrowers refinance before rates climb further.

For a deeper quantitative breakdown, the ValueRay platform offers granular metrics on UWMs loan pipeline and valuation multiples.

Piotroski VR‑10 (Strict, 0-10) 1.0

Net Income (16.9m TTM) > 0 and > 6% of Revenue (6% = 113.7m TTM)

FCFTA -0.20 (>2.0%) and ΔFCFTA 20.41pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -541.1% (prev -714.6%; Δ 173.5pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA -0.19 (>3.0%) and CFO -3.29b <= Net Income 16.9m (YES >=105%, WARN >=100%)

Net Debt (13.66b) to EBITDA (176.1m) ratio: 77.56 <= 3.0 (WARN <= 3.5)

Current Ratio 0.12 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (2.21b) change vs 12m ago 2118 % (target <= -2.0% for YES)

Gross Margin 70.60% (prev 62.11%; Δ 8.49pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 11.79% (prev 8.37%; Δ 3.43pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 0.23 (EBITDA TTM 176.1m / Interest Expense TTM 528.3m) >= 6 (WARN >= 3)

Altman Z'' -3.86

(A) -0.60 = (Total Current Assets 1.42b - Total Current Liabilities 11.68b) / Total Assets 17.02b

(B) 0.01 = Retained Earnings (Balance) 169.9m / Total Assets 17.02b

(D) 0.01 = Book Value of Equity 170.1m / Total Liabilities 15.44b

Total Rating: -3.86 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 34.09

1. Piotroski 1.0pt

2. FCF Yield -15.15%

3. FCF Margin data missing

4. Debt/Equity 81.76

5. Debt/Ebitda 77.56

6. ROIC - WACC (= -0.67)%

7. RoE 9.93%

8. Rev. Trend -4.20%

9. EPS Trend -31.66%

What is the price of UWMC shares?

As of November 30, 2025, the stock is trading at USD 5.85 with a total of 3,647,804 shares traded.
Over the past week, the price has changed by +13.59%, over one month by +0.17%, over three months by +6.42% and over the past year by -3.13%.

Is UWMC a buy, sell or hold?

UWM Holdings has received a consensus analysts rating of 3.55. Therefor, it is recommend to hold UWMC.

Strong Buy: 2
Buy: 2
Hold: 7
Sell: 0
Strong Sell: 0

What are the forecasts/targets for the UWMC price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	7	19.7%
Analysts Target Price	7	19.7%
ValueRay Target Price	6.5	10.6%

UWMC Fundamental Data Overview November 25, 2025

Market Cap USD = 8.49b (8.49b USD * 1.0 USD.USD)
P/E Trailing = 46.8182
P/E Forward = 11.4811
P/S = 3.14
P/B = 7.3856
Beta = 1.967
Revenue TTM = 1.90b USD
EBIT TTM = 123.6m USD
EBITDA TTM = 176.1m USD
Long Term Debt = 3.07b USD (from longTermDebt, last quarter)
Short Term Debt = 11.33b USD (from shortTermDebt, last quarter)
Debt = 14.53b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 13.66b USD (from netDebt column, last quarter)
Enterprise Value = 22.14b USD (8.49b + Debt 14.53b - CCE 870.7m)
Interest Coverage Ratio = 0.23 (Ebit TTM 123.6m / Interest Expense TTM 528.3m)
FCF Yield = -15.15% (FCF TTM -3.36b / Enterprise Value 22.14b)
FCF Margin = -177.0% (FCF TTM -3.36b / Revenue TTM 1.90b)
Net Margin = 0.89% (Net Income TTM 16.9m / Revenue TTM 1.90b)
Gross Margin = 70.60% ((Revenue TTM 1.90b - Cost of Revenue TTM 557.3m) / Revenue TTM)
Gross Margin QoQ = 70.75% (prev 81.74%)
Tobins Q-Ratio = 1.30 (Enterprise Value 22.14b / Total Assets 17.02b)
Interest Expense / Debt = 0.91% (Interest Expense 132.1m / Debt 14.53b)
Taxrate = 4.59% (582.0k / 12.7m)
NOPAT = 117.9m (EBIT 123.6m * (1 - 4.59%))
Current Ratio = 0.12 (Total Current Assets 1.42b / Total Current Liabilities 11.68b)
Debt / Equity = 81.76 (Debt 14.53b / totalStockholderEquity, last quarter 177.7m)
Debt / EBITDA = 77.56 (Net Debt 13.66b / EBITDA 176.1m)
Debt / FCF = -4.07 (negative FCF - burning cash) (Net Debt 13.66b / FCF TTM -3.36b)
Total Stockholder Equity = 170.1m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.10% (Net Income 16.9m / Total Assets 17.02b)
RoE = 9.93% (Net Income TTM 16.9m / Total Stockholder Equity 170.1m)
RoCE = 3.82% (EBIT 123.6m / Capital Employed (Equity 170.1m + L.T.Debt 3.07b))
RoIC = 3.29% (NOPAT 117.9m / Invested Capital 3.59b)
WACC = 3.96% (E(8.49b)/V(23.01b) * Re(9.24%) + D(14.53b)/V(23.01b) * Rd(0.91%) * (1-Tc(0.05)))
Discount Rate = 9.24% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 387.2%
Fair Price DCF = unknown (Cash Flow -3.36b)
EPS Correlation: -31.66 | EPS CAGR: -47.24% | SUE: -0.60 | # QB: 0
Revenue Correlation: -4.20 | Revenue CAGR: -4.30% | SUE: -0.72 | # QB: 0

Additional Sources for UWMC Stock

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