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

UWMC EPS (Earnings per Share)

EPS (Earnings per Share) of UWMC over the last years for every Quarter: "2020-09": 0.6252, "2020-12": 0.62, "2021-03": 0.41, "2021-06": 0.07, "2021-09": 0.16, "2021-12": 0.11, "2022-03": 0.22, "2022-06": 0.1, "2022-09": 0.16, "2022-12": -0.03, "2023-03": -0.07, "2023-06": 0.11, "2023-09": 0.15, "2023-12": -0.23, "2024-03": 0.09, "2024-06": 0.04, "2024-09": 0.01, "2024-12": 0.0207, "2025-03": -0.0834, "2025-06": 0.16, "2025-09": 0.01,
EPS Growth (3Y CAGR): 6.61%
EPS Trend (3Y Correlation): 13.5%

UWMC Revenue

Revenue of UWMC over the last years for every Quarter: 2020-09: 1813.054, 2020-12: 1785.081, 2021-03: 1166.018, 2021-06: 457.91, 2021-09: 654.743, 2021-12: 555.004, 2022-03: 755.654, 2022-06: 500.01, 2022-09: 635.218, 2022-12: 255.767, 2023-03: 115.456, 2023-06: 541.347, 2023-09: 619.473, 2023-12: -162.327, 2024-03: 518.658, 2024-06: 449.216, 2024-09: 459.356, 2024-12: 478.636, 2025-03: 161.599, 2025-06: 784.571, 2025-09: 843.252,
Revenue Growth (3Y CAGR): 54.31%
Revenue Trend (3Y Correlation): 20.1%
Risk via 10d forecast
Volatility 48.4%
Value at Risk 5%th 72.9%
Reward
Sharpe Ratio 0.06
Alpha Jensen -31.83
Character
Hurst Exponent 0.505
Beta 1.967
Drawdowns 3y
Max DD 56.68%
Mean DD 20.55%

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.

UWMC Stock Overview

Market Cap in USD 8,507m
Sub-Industry Commercial & Residential Mortgage Finance
IPO / Inception 2020-03-24
Return 12m vs S&P 500 -17.5%
Analyst Rating 3.55 of 5

UWMC Dividends

Dividend Yield 7.35%
Yield on Cost 5y 5.64%
Yield CAGR 5y 0.00%
Payout Consistency 97.0%
Payout Ratio 3.7%

UWMC Growth Ratios

CAGR 17.37%
CAGR/Max DD Calmar Ratio 0.31
CAGR/Mean DD Pain Ratio 0.85
Current Volume 11958.7k
Average Volume 10021.3k

Piotroski VR‑10 (Strict, 0-10) 2.0

Net Income (30.2m TTM) > 0 and > 6% of Revenue (6% = 136.1m TTM)
FCFTA -0.02 (>2.0%) and ΔFCFTA 38.56pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)
NWC/Revenue -380.1% (prev -714.6%; Δ 334.5pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)
CFO/TA -0.01 (>3.0%) and CFO -215.2m <= Net Income 30.2m (YES >=105%, WARN >=100%)
Net Debt (-870.7m) to EBITDA (306.8m) ratio: -2.84 <= 3.0 (WARN <= 3.5)
Current Ratio 0.15 (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 81.50% (prev 62.11%; Δ 19.39pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)
Asset Turnover 14.11% (prev 8.37%; Δ 5.75pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)
Interest Coverage Ratio 0.65 (EBITDA TTM 306.8m / Interest Expense TTM 396.2m) >= 6 (WARN >= 3)

Altman Z'' -3.17

(A) -0.51 = (Total Current Assets 1.52b - Total Current Liabilities 10.14b) / Total Assets 17.02b
(B) 0.01 = Retained Earnings (Balance) 169.9m / Total Assets 17.02b
(C) 0.02 = EBIT TTM 255.7m / Avg Total Assets 16.07b
(D) 0.01 = Book Value of Equity 170.0m / Total Liabilities 15.44b
Total Rating: -3.17 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 46.15

1. Piotroski 2.0pt = -3.0
2. FCF Yield -1.30% = -0.65
3. FCF Margin -11.71% = -4.39
4. Debt/Equity 8.09 = -2.50
5. Debt/Ebitda -2.84 = 2.50
6. ROIC - WACC (= 1.22)% = 1.53
7. RoE 5.79% = 0.48
8. Rev. Trend 20.10% = 1.51
9. EPS Trend 13.48% = 0.67

What is the price of UWMC shares?

As of November 12, 2025, the stock is trading at USD 5.47 with a total of 11,958,657 shares traded.
Over the past week, the price has changed by -5.36%, over one month by +3.21%, over three months by +22.31% and over the past year by -4.74%.

Is UWM Holdings a good stock to buy?

No, based on ValueRay´s Fundamental Analyses, UWM Holdings (NYSE:UWMC) is currently (November 2025) a stock to sell. It has a ValueRay Fundamental Rating of 46.15 and therefor a negative outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of UWMC is around 5.44 USD . This means that UWMC is currently overvalued and has a potential downside of -0.55%.

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 27.2%
Analysts Target Price 7 27.2%
ValueRay Target Price 5.9 8.4%

UWMC Fundamental Data Overview November 10, 2025

Market Cap USD = 8.51b (8.51b USD * 1.0 USD.USD)
P/E Trailing = 47.7273
P/E Forward = 15.0602
P/S = 3.1469
P/B = 7.5332
Beta = 1.967
Revenue TTM = 2.27b USD
EBIT TTM = 255.7m USD
EBITDA TTM = 306.8m USD
Long Term Debt = 2.88b USD (from longTermDebt, last fiscal year)
Short Term Debt = 9.84b USD (from shortTermDebt, last fiscal year)
Debt = 12.84b USD (from shortLongTermDebtTotal, last fiscal year)
Net Debt = -870.7m USD (from netDebt column, last quarter)
Enterprise Value = 20.38b USD (8.51b + Debt 12.84b - CCE 972.0m)
Interest Coverage Ratio = 0.65 (Ebit TTM 255.7m / Interest Expense TTM 396.2m)
FCF Yield = -1.30% (FCF TTM -265.5m / Enterprise Value 20.38b)
FCF Margin = -11.71% (FCF TTM -265.5m / Revenue TTM 2.27b)
Net Margin = 1.33% (Net Income TTM 30.2m / Revenue TTM 2.27b)
Gross Margin = 81.50% ((Revenue TTM 2.27b - Cost of Revenue TTM 419.6m) / Revenue TTM)
Gross Margin QoQ = 100.0% (prev 81.74%)
Tobins Q-Ratio = 1.20 (Enterprise Value 20.38b / Total Assets 17.02b)
Interest Expense / Debt = 1.04% (Interest Expense 133.5m / Debt 12.84b)
Taxrate = 4.59% (582.0k / 12.7m)
NOPAT = 243.9m (EBIT 255.7m * (1 - 4.59%))
Current Ratio = 0.15 (Total Current Assets 1.52b / Total Current Liabilities 10.14b)
Debt / Equity = 8.09 (Debt 12.84b / totalStockholderEquity, last quarter 1.59b)
Debt / EBITDA = -2.84 (Net Debt -870.7m / EBITDA 306.8m)
Debt / FCF = 3.28 (negative FCF - burning cash) (Net Debt -870.7m / FCF TTM -265.5m)
Total Stockholder Equity = 522.4m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.18% (Net Income 30.2m / Total Assets 17.02b)
RoE = 5.79% (Net Income TTM 30.2m / Total Stockholder Equity 522.4m)
RoCE = 7.52% (EBIT 255.7m / Capital Employed (Equity 522.4m + L.T.Debt 2.88b))
RoIC = 7.10% (NOPAT 243.9m / Invested Capital 3.43b)
WACC = 5.88% (E(8.51b)/V(21.35b) * Re(13.26%) + D(12.84b)/V(21.35b) * Rd(1.04%) * (1-Tc(0.05)))
Discount Rate = 13.26% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 387.2%
Fair Price DCF = unknown (Cash Flow -265.5m)
EPS Correlation: 13.48 | EPS CAGR: 6.61% | SUE: -0.60 | # QB: 0
Revenue Correlation: 20.10 | Revenue CAGR: 54.31% | SUE: 0.63 | # QB: 0

Additional Sources for UWMC Stock

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