(UWMC) UWM Holdings - Overview
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US91823B1098
Stock: Mortgage Loans, Wholesale Lending, Servicing
Total Rating 17
Risk 28
Buy Signal -1.24
| Risk 5d forecast | |
|---|---|
| Volatility | 51.9% |
| Relative Tail Risk | -9.12% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.49 |
| Alpha | -60.12 |
| Character TTM | |
|---|---|
| Beta | 1.658 |
| Beta Downside | 1.615 |
| Drawdowns 3y | |
|---|---|
| Max DD | 56.68% |
| CAGR/Max DD | 0.03 |
EPS (Earnings per Share)
Revenue
Description: UWMC UWM Holdings March 04, 2026
UWM Holdings Corporation (UWMC) operates in the US residential mortgage lending sector.
The companys business model focuses on originating, selling, and servicing mortgage loans exclusively through the wholesale channel, a distinct distribution method in the mortgage industry that relies on independent mortgage brokers.
UWMC primarily deals with conforming and government-backed loans, which typically have specific underwriting guidelines and limits.
To understand UWMCs performance in these areas, consider exploring its detailed financial metrics on ValueRay.
Headlines to watch out for
- Mortgage interest rate fluctuations impact loan origination volume
- Housing market conditions influence refinance demand
- Regulatory changes affect mortgage lending compliance costs
- Competition in wholesale mortgage channel pressures margins
Piotroski VR‑10 (Strict, 0-10) 1.0
| Net Income: 27.4m TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.16 > 0.02 and ΔFCF/TA 24.00 > 1.0 |
| NWC/Revenue: -44.33% < 20% (prev -483.6%; Δ 439.3% < -1%) |
| CFO/TA -0.16 > 3% & CFO -2.65b > Net Income 27.4m |
| Net Debt (13.94b) to EBITDA (449.8m): 30.98 < 3 |
| Current Ratio: 0.67 > 1.5 & < 3 |
| Outstanding Shares: last quarter (256.9m) vs 12m ago 65.13% < -2% |
| Gross Margin: 77.12% > 18% (prev 0.72%; Δ 7640 % > 0.5%) |
| Asset Turnover: 14.49% > 50% (prev 12.16%; Δ 2.33% > 0%) |
| Interest Coverage Ratio: 0.75 > 6 (EBITDA TTM 449.8m / Interest Expense TTM 530.8m) |
Altman Z'' -0.19
| A: -0.06 (Total Current Assets 2.16b - Total Current Liabilities 3.21b) / Total Assets 16.93b |
| B: 0.01 (Retained Earnings 189.4m / Total Assets 16.93b) |
| C: 0.02 (EBIT TTM 395.7m / Avg Total Assets 16.30b) |
| D: 0.01 (Book Value of Equity 189.6m / Total Liabilities 15.34b) |
| Altman-Z'' Score: -0.19 = B |
Beneish M -0.98
| DSRI: 3.20 (Receivables 1.66b/418.0m, Revenue 2.36b/1.91b) |
| GMI: 0.93 (GM 77.12% / 71.97%) |
| AQI: 0.92 (AQ_t 0.85 / AQ_t-1 0.92) |
| SGI: 1.24 (Revenue 2.36b / 1.91b) |
| TATA: 0.16 (NI 27.4m - CFO -2.65b) / TA 16.93b) |
| Beneish M-Score: -0.98 (Cap -4..+1) = D |
What is the price of UWMC shares?
As of March 09, 2026, the stock is trading at USD 3.86 with a total of 26,547,465 shares traded.
Over the past week, the price has changed by -10.85%, over one month by -16.63%, over three months by -30.12% and over the past year by -30.43%.
Over the past week, the price has changed by -10.85%, over one month by -16.63%, over three months by -30.12% and over the past year by -30.43%.
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.
- StrongBuy: 2
- Buy: 2
- Hold: 7
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the UWMC price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 6.2 | 61.7% |
| Analysts Target Price | 6.2 | 61.7% |
UWMC Fundamental Data Overview March 09, 2026
P/E Trailing = 32.1667
P/E Forward = 8.9847
P/S = 1.793
P/B = 5.9559
Revenue TTM = 2.36b USD
EBIT TTM = 395.7m USD
EBITDA TTM = 449.8m USD
Long Term Debt = 3.07b USD (from longTermDebt, last quarter)
Short Term Debt = 3.21b USD (from shortTermDebt, last quarter)
Debt = 14.44b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 13.94b USD (from netDebt column, last quarter)
Enterprise Value = 20.14b USD (6.20b + Debt 14.44b - CCE 503.4m)
Interest Coverage Ratio = 0.75 (Ebit TTM 395.7m / Interest Expense TTM 530.8m)
EV/FCF = -7.40x (Enterprise Value 20.14b / FCF TTM -2.72b)
FCF Yield = -13.52% (FCF TTM -2.72b / Enterprise Value 20.14b)
FCF Margin = -115.2% (FCF TTM -2.72b / Revenue TTM 2.36b)
Net Margin = 1.16% (Net Income TTM 27.4m / Revenue TTM 2.36b)
Gross Margin = 77.12% ((Revenue TTM 2.36b - Cost of Revenue TTM 540.6m) / Revenue TTM)
Gross Margin QoQ = 86.37% (prev 70.75%)
Tobins Q-Ratio = 1.19 (Enterprise Value 20.14b / Total Assets 16.93b)
Interest Expense / Debt = 1.00% (Interest Expense 144.8m / Debt 14.44b)
Taxrate = 3.03% (5.14m / 169.6m)
NOPAT = 383.7m (EBIT 395.7m * (1 - 3.03%))
Current Ratio = 0.67 (Total Current Assets 2.16b / Total Current Liabilities 3.21b)
Debt / Equity = 72.37 (Debt 14.44b / totalStockholderEquity, last quarter 199.5m)
Debt / EBITDA = 30.98 (Net Debt 13.94b / EBITDA 449.8m)
Debt / FCF = -5.12 (negative FCF - burning cash) (Net Debt 13.94b / FCF TTM -2.72b)
Total Stockholder Equity = 179.6m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.17% (Net Income 27.4m / Total Assets 16.93b)
RoE = 15.25% (Net Income TTM 27.4m / Total Stockholder Equity 179.6m)
RoCE = 12.18% (EBIT 395.7m / Capital Employed (Equity 179.6m + L.T.Debt 3.07b))
RoIC = 10.05% (NOPAT 383.7m / Invested Capital 3.82b)
WACC = 4.29% (E(6.20b)/V(20.64b) * Re(12.02%) + D(14.44b)/V(20.64b) * Rd(1.00%) * (1-Tc(0.03)))
Discount Rate = 12.02% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 65.99%
[DCF] Fair Price = unknown (Cash Flow -2.72b)
EPS Correlation: -22.36 | EPS CAGR: -23.64% | SUE: -0.08 | # QB: 0
Revenue Correlation: 4.74 | Revenue CAGR: 6.15% | SUE: 3.38 | # QB: 1
EPS next Quarter (2026-06-30): EPS=0.12 | Chg7d=+0.001 | Chg30d=-0.000 | Revisions Net=-3 | Analysts=4
EPS current Year (2026-12-31): EPS=0.42 | Chg7d=-0.048 | Chg30d=-0.047 | Revisions Net=-5 | Growth EPS=+245.8% | Growth Revenue=+29.6%
EPS next Year (2027-12-31): EPS=0.56 | Chg7d=-0.047 | Chg30d=-0.044 | Revisions Net=-4 | Growth EPS=+32.5% | Growth Revenue=+16.2%
[Analyst] Revisions Ratio: -1.00 (0 Up / 3 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 8.9% (Discount Rate 12.0% - Earnings Yield 3.1%)
[Growth] Growth Spread = -15.6% (Analyst -6.7% - Implied 8.9%)
P/E Forward = 8.9847
P/S = 1.793
P/B = 5.9559
Revenue TTM = 2.36b USD
EBIT TTM = 395.7m USD
EBITDA TTM = 449.8m USD
Long Term Debt = 3.07b USD (from longTermDebt, last quarter)
Short Term Debt = 3.21b USD (from shortTermDebt, last quarter)
Debt = 14.44b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 13.94b USD (from netDebt column, last quarter)
Enterprise Value = 20.14b USD (6.20b + Debt 14.44b - CCE 503.4m)
Interest Coverage Ratio = 0.75 (Ebit TTM 395.7m / Interest Expense TTM 530.8m)
EV/FCF = -7.40x (Enterprise Value 20.14b / FCF TTM -2.72b)
FCF Yield = -13.52% (FCF TTM -2.72b / Enterprise Value 20.14b)
FCF Margin = -115.2% (FCF TTM -2.72b / Revenue TTM 2.36b)
Net Margin = 1.16% (Net Income TTM 27.4m / Revenue TTM 2.36b)
Gross Margin = 77.12% ((Revenue TTM 2.36b - Cost of Revenue TTM 540.6m) / Revenue TTM)
Gross Margin QoQ = 86.37% (prev 70.75%)
Tobins Q-Ratio = 1.19 (Enterprise Value 20.14b / Total Assets 16.93b)
Interest Expense / Debt = 1.00% (Interest Expense 144.8m / Debt 14.44b)
Taxrate = 3.03% (5.14m / 169.6m)
NOPAT = 383.7m (EBIT 395.7m * (1 - 3.03%))
Current Ratio = 0.67 (Total Current Assets 2.16b / Total Current Liabilities 3.21b)
Debt / Equity = 72.37 (Debt 14.44b / totalStockholderEquity, last quarter 199.5m)
Debt / EBITDA = 30.98 (Net Debt 13.94b / EBITDA 449.8m)
Debt / FCF = -5.12 (negative FCF - burning cash) (Net Debt 13.94b / FCF TTM -2.72b)
Total Stockholder Equity = 179.6m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.17% (Net Income 27.4m / Total Assets 16.93b)
RoE = 15.25% (Net Income TTM 27.4m / Total Stockholder Equity 179.6m)
RoCE = 12.18% (EBIT 395.7m / Capital Employed (Equity 179.6m + L.T.Debt 3.07b))
RoIC = 10.05% (NOPAT 383.7m / Invested Capital 3.82b)
WACC = 4.29% (E(6.20b)/V(20.64b) * Re(12.02%) + D(14.44b)/V(20.64b) * Rd(1.00%) * (1-Tc(0.03)))
Discount Rate = 12.02% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 65.99%
[DCF] Fair Price = unknown (Cash Flow -2.72b)
EPS Correlation: -22.36 | EPS CAGR: -23.64% | SUE: -0.08 | # QB: 0
Revenue Correlation: 4.74 | Revenue CAGR: 6.15% | SUE: 3.38 | # QB: 1
EPS next Quarter (2026-06-30): EPS=0.12 | Chg7d=+0.001 | Chg30d=-0.000 | Revisions Net=-3 | Analysts=4
EPS current Year (2026-12-31): EPS=0.42 | Chg7d=-0.048 | Chg30d=-0.047 | Revisions Net=-5 | Growth EPS=+245.8% | Growth Revenue=+29.6%
EPS next Year (2027-12-31): EPS=0.56 | Chg7d=-0.047 | Chg30d=-0.044 | Revisions Net=-4 | Growth EPS=+32.5% | Growth Revenue=+16.2%
[Analyst] Revisions Ratio: -1.00 (0 Up / 3 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 8.9% (Discount Rate 12.0% - Earnings Yield 3.1%)
[Growth] Growth Spread = -15.6% (Analyst -6.7% - Implied 8.9%)