(UWMC) UWM Holdings - Ratings and Ratios
Mortgage Loans, Residential Lending, Conforming Loans, Government Loans
UWMC EPS (Earnings per Share)
UWMC Revenue
Description: UWMC UWM Holdings
UWM Holdings Corporation is a leading player in the US residential mortgage lending industry, operating primarily through the wholesale channel and focusing on conforming and government loans. The companys business model involves originating, selling, and servicing mortgage loans, leveraging its expertise to capitalize on market opportunities.
To evaluate UWM Holdings Corporations performance, key performance indicators (KPIs) such as revenue growth, net interest margin, and loan origination volume are crucial. Additionally, metrics like the companys mortgage servicing rights (MSR) portfolio, return on equity (RoE) of 4.93%, and forward price-to-earnings ratio of 23.53 indicate its financial health and profitability. The market capitalization of approximately $9.9 billion also reflects the companys significant presence in the industry.
From a strategic perspective, UWM Holdings Corporations emphasis on conforming and government loans suggests a risk-averse approach, potentially mitigating exposure to market fluctuations. The companys wholesale channel allows it to partner with a diverse range of originators, further diversifying its revenue streams. As the US mortgage market continues to evolve, UWM Holdings Corporations adaptability and responsiveness to changing market conditions will be critical to its long-term success.
To further analyze UWM Holdings Corporations prospects, it is essential to monitor industry trends, such as changes in interest rates, housing market dynamics, and regulatory developments. By examining these factors and their potential impact on the companys operations, investors can make more informed decisions about their investments in UWMC.
UWMC Stock Overview
| Market Cap in USD | 9,869m |
| Sub-Industry | Commercial & Residential Mortgage Finance |
| IPO / Inception | 2020-03-24 |
UWMC Stock Ratings
| Growth Rating | -40.6% |
| Fundamental | 41.5% |
| Dividend Rating | 60.8% |
| Return 12m vs S&P 500 | -42.6% |
| Analyst Rating | 3.55 of 5 |
UWMC Dividends
| Dividend Yield 12m | 8.93% |
| Yield on Cost 5y | 6.58% |
| Annual Growth 5y | 0.00% |
| Payout Consistency | 97.0% |
| Payout Ratio | 3.7% |
UWMC Growth Ratios
| Growth Correlation 3m | 80% |
| Growth Correlation 12m | -80.6% |
| Growth Correlation 5y | -3% |
| CAGR 5y | -5.61% |
| CAGR/Max DD 5y | -0.07 |
| Sharpe Ratio 12m | -1.25 |
| Alpha | -40.94 |
| Beta | 0.279 |
| Volatility | 46.83% |
| Current Volume | 7868.4k |
| Average Volume 20d | 9896.7k |
| Stop Loss | 5.3 (-7%) |
| Signal | 0.37 |
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income (11.9m TTM) > 0 and > 6% of Revenue (6% = 111.5m TTM) |
| FCFTA -0.45 (>2.0%) and ΔFCFTA -46.30pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -475.2% (prev 138.8%; Δ -614.0pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA -0.17 (>3.0%) and CFO -2.39b <= Net Income 11.9m (YES >=105%, WARN >=100%) |
| Net Debt (-490.0m) to EBITDA (230.7m) ratio: -2.12 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.13 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (202.1m) change vs 12m ago 111.9% (target <= -2.0% for YES) |
| Gross Margin 71.62% (prev 69.78%; Δ 1.83pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 13.86% (prev 10.40%; Δ 3.46pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.34 (EBITDA TTM 230.7m / Interest Expense TTM 537.3m) >= 6 (WARN >= 3) |
Altman Z'' -4.03
| (A) -0.64 = (Total Current Assets 1.31b - Total Current Liabilities 10.14b) / Total Assets 13.89b |
| (B) 0.01 = Retained Earnings (Balance) 170.3m / Total Assets 13.89b |
| (C) 0.01 = EBIT TTM 181.1m / Avg Total Assets 13.40b |
| (D) 0.01 = Book Value of Equity 170.3m / Total Liabilities 12.14b |
| Total Rating: -4.03 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 41.49
| 1. Piotroski 3.0pt = -2.0 |
| 2. FCF Yield -49.94% = -5.0 |
| 3. FCF Margin data missing |
| 4. Debt/Equity 1.89 = 0.94 |
| 5. Debt/Ebitda 14.31 = -2.50 |
| 6. ROIC - WACC -0.73% = -0.91 |
| 7. RoE 2.16% = 0.18 |
| 8. Rev. Trend 6.41% = 0.32 |
| 9. Rev. CAGR 6.67% = 0.83 |
| 10. EPS Trend 4.50% = 0.11 |
| 11. EPS CAGR -3.87% = -0.48 |
What is the price of UWMC shares?
Over the past week, the price has changed by -2.06%, over one month by +36.04%, over three months by +36.97% and over the past year by -32.81%.
Is UWM Holdings a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of UWMC is around 5.28 USD . This means that UWMC is currently overvalued and has a potential downside of -7.37%.
Is UWMC a buy, sell or hold?
- 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 | 5.8 | 1.4% |
| Analysts Target Price | 6.4 | 13% |
| ValueRay Target Price | 5.8 | 1.2% |
Last update: 2025-08-21 02:50
UWMC Fundamental Data Overview
CCE Cash And Equivalents = 591.6m USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 140.0
P/E Forward = 31.348
P/S = 3.7626
P/B = 6.9499
Beta = 1.74
Revenue TTM = 1.86b USD
EBIT TTM = 181.1m USD
EBITDA TTM = 230.7m USD
Long Term Debt = 2.08b USD (from longTermDebt, last quarter)
Short Term Debt = 1.22b USD (from shortLongTermDebt, last quarter)
Debt = 3.30b USD (Calculated: Short Term 1.22b + Long Term 2.08b)
Net Debt = -490.0m USD (from netDebt column, last quarter)
Enterprise Value = 12.58b USD (9.87b + Debt 3.30b - CCE 591.6m)
Interest Coverage Ratio = 0.34 (Ebit TTM 181.1m / Interest Expense TTM 537.3m)
FCF Yield = -49.94% (FCF TTM -6.28b / Enterprise Value 12.58b)
FCF Margin = -338.0% (FCF TTM -6.28b / Revenue TTM 1.86b)
Net Margin = 0.64% (Net Income TTM 11.9m / Revenue TTM 1.86b)
Gross Margin = 71.62% ((Revenue TTM 1.86b - Cost of Revenue TTM 527.4m) / Revenue TTM)
Tobins Q-Ratio = 73.83 (Enterprise Value 12.58b / Book Value Of Equity 170.3m)
Interest Expense / Debt = 4.04% (Interest Expense 133.5m / Debt 3.30b)
Taxrate = 1.96% (from yearly Income Tax Expense: 6.58m / 336.0m)
NOPAT = 177.5m (EBIT 181.1m * (1 - 1.96%))
Current Ratio = 0.13 (Total Current Assets 1.31b / Total Current Liabilities 10.14b)
Debt / Equity = 1.89 (Debt 3.30b / last Quarter total Stockholder Equity 1.75b)
Debt / EBITDA = 14.31 (Net Debt -490.0m / EBITDA 230.7m)
Debt / FCF = -0.53 (Debt 3.30b / FCF TTM -6.28b)
Total Stockholder Equity = 548.4m (last 4 quarters mean)
RoA = 0.09% (Net Income 11.9m, Total Assets 13.89b )
RoE = 2.16% (Net Income TTM 11.9m / Total Stockholder Equity 548.4m)
RoCE = 6.90% (Ebit 181.1m / (Equity 548.4m + L.T.Debt 2.08b))
RoIC = 5.54% (NOPAT 177.5m / Invested Capital 3.20b)
WACC = 6.27% (E(9.87b)/V(13.17b) * Re(7.04%)) + (D(3.30b)/V(13.17b) * Rd(4.04%) * (1-Tc(0.02)))
Shares Correlation 5-Years: 100.0 | Cagr: 21.88%
Discount Rate = 7.04% (= CAPM, Blume Beta Adj.) -> floored to rf + ERP 8.05%
Fair Price DCF = unknown (Cash Flow -6.28b)
Revenue Correlation: 6.41 | Revenue CAGR: 6.67%
Rev Growth-of-Growth: 50.42
EPS Correlation: 4.50 | EPS CAGR: -3.87%
EPS Growth-of-Growth: 16.59
Additional Sources for UWMC Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle