UWMC Stock Analysis: UWM Holdings | NYSE
Mortgage Finance | NYSE, USA | Market Cap: 3.522m USD | 12M Return: -42% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 59.9M
Qual. Beats: 0
Rev. Trend: 77.4%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 6.3 years of data
Average return per month, with how dependable it is below — did the month move the same way every year (high) or randomly (low). Above 60 is a pattern worth trusting; under 40 is noise.
UWM Holdings Corporation (NYSE: UWMC) is a U.S.-based residential mortgage lender that originates, sells, and services home loans, operating primarily through a wholesale channel that distributes loans via independent mortgage brokers rather than directly to consumers. The company focuses on conforming loans, which meet the underwriting standards of government-sponsored enterprises such as Fannie Mae and Freddie Mac, along with government-backed loans (such as FHA, VA, and USDA products). Founded in 1986 and headquartered in Pontiac, Michigan, UWM went public on March 24, 2020, and is classified within the Financials sector under the Commercial & Residential Mortgage Finance sub-industry.
- Mortgage origination volumes swing with 30-year rate movements
- Gain on sale margins compress amid wholesale channel competition
- MSR portfolio growth provides recurring servicing fee income
| Net Income: 66.4m TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.29 > 0.02 and ΔFCF/TA -3.91 > 1.0 |
| NWC/Revenue: -353.1% < 20% (prev -566.4%; Δ 213.2% < -1%) |
| CFO/TA -0.28 > 3% & CFO -5.47b > Net Income 66.4m |
| Net Debt (15.9b) to EBITDA (1.03b): 15.44 < 3 |
| Current Ratio: 0.20 > 1.5 & < 3 |
| Outstanding Shares: last quarter (211.4m) vs 12m ago 37.40% < -2% |
| Gross Margin: 82.52% > 18% (prev 64.11%; Δ 18.41% > 0.5%) |
| Asset Turnover: 18.62% > 50% (prev 11.02%; Δ 7.60% > 0%) |
| Interest Coverage Ratio: 1.77 > 6 (EBIT TTM 974.8m / Interest Expense TTM 551.1m) |
| A: -0.57 (Total Current Assets 2.82b - Total Current Liabilities 13.8b) / Total Assets 19.3b |
| B: 0.01 (Retained Earnings 216.8m / Total Assets 19.3b) |
| C: 0.06 (EBIT TTM 974.8m / Avg Total Assets 16.7b) |
| D: 0.01 (Book Value of Equity 229.5m / Total Liabilities 17.7b) |
| Altman-Z'' = -3.29 = D |
| DSRI: 2.53 (Receivables 2.40b/472.3m, Revenue 3.10b/1.55b) |
| GMI: 0.78 (GM 64.11% / 82.52%) |
| AQI: 0.92 (AQ_t 0.84 / AQ_t-1 0.91) |
| SGI: 2.00 (Revenue 3.10b / 1.55b) |
| TATA: 0.29 (NI 66.4m - CFO -5.47b) / TA 19.3b) |
| Beneish M = -1.27 (Cap -4..+1) = D |
As of June 30, 2026, the stock is trading at USD 2.10 with a total of 40,769,381 shares traded. Over the past week, the price has changed by -1.80%, over one month by -26.69%, over three months by -35.41% and over the past year by -42.03%.
Current recommended Stop Loss: 1.80 (which is 14.3% or 1.8 ATR below the current price).
UWM Holdings has received a consensus analysts rating of 3.55. Therefore, it is recommended to hold UWMC.
- StrongBuy: 2
- Buy: 2
- Hold: 7
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 4.8 | 126.2% |
P/E Trailing = 7.2667
P/E Forward = 5.071
P/S = 0.9761
P/B = 3.222
Revenue TTM = 3.10b USD
EBIT TTM = 974.8m USD
EBITDA TTM = 1.03b USD
Long Term Debt = 3.07b USD (from longTermDebt, last quarter)
Short Term Debt = 13.0b USD (from shortTermDebt, last quarter)
Debt = 16.3b USD (from shortLongTermDebtTotal, last quarter) + Leases 121.8m
Net Debt = 15.9b USD (calculated: Debt 16.3b - CCE 424.0m)
Enterprise Value = 19.4b USD (3.52b + Debt 16.3b - CCE 424.0m)
Interest Coverage Ratio = 1.77 (Ebit TTM 974.8m / Interest Expense TTM 551.1m)
EV/FCF = -3.50x (Enterprise Value 19.4b / FCF TTM -5.55b)
FCF Yield = -28.54% (FCF TTM -5.55b / Enterprise Value 19.4b)
FCF Margin = -178.8% (FCF TTM -5.55b / Revenue TTM 3.10b)
Net Margin = 2.14% (Net Income TTM 66.4m / Revenue TTM 3.10b)
Gross Margin = 82.52% ((Revenue TTM 3.10b - Cost of Revenue TTM 542.1m) / Revenue TTM)
Gross Margin QoQ = 85.32% (prev 86.37%)
Tobins Q-Ratio = 1.01 (Enterprise Value 19.4b / Total Assets 19.3b)
Interest Expense / Debt = 3.37% (Interest Expense 551.1m / Debt 16.3b)
Taxrate = 4.03% (27.8m / 689.2m)
NOPAT = 935.5m (EBIT 974.8m * (1 - 4.03%))
Current Ratio = 0.20 (Total Current Assets 2.82b / Total Current Liabilities 13.8b)
Debt / Equity = 71.18 (Debt 16.3b / totalStockholderEquity, last quarter 229.5m)
Debt / EBITDA = 15.44 (Net Debt 15.9b / EBITDA 1.03b)
Debt / FCF = -2.87 (negative FCF - burning cash) (Net Debt 15.9b / FCF TTM -5.55b)
Total Stockholder Equity = 195.7m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.40% (Net Income 66.4m / Total Assets 19.3b)
RoE = 33.91% (Net Income TTM 66.4m / Total Stockholder Equity 195.7m)
RoCE = 29.85% (EBIT 974.8m / Capital Employed (Equity 195.7m + L.T.Debt 3.07b))
RoIC = 5.09% (NOPAT 935.5m / Invested Capital 18.4b)
WACC = 4.63% (E(3.52b)/V(19.9b) * Re(11.10%) + D(16.3b)/V(19.9b) * Rd(3.37%) * (1-Tc(0.04)))
Discount Rate = 11.10% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 86.67 | Cagr: 43.88%
[DCF] Fair Price = unknown (Cash Flow -5.55b)
EPS Correlation: N/A | EPS CAGR: N/A | SUE: 0.25 | # QB: 0
Revenue Correlation: 77.42 | Revenue CAGR: 26.85% | SUE: 0.51 | # QB: 0
EPS next Quarter (2026-09-30): EPS=0.12 | Chg30d=+0.17% | Revisions=-33% | Analysts=5
EPS current Year (2026-12-31): EPS=0.40 | Chg30d=+0.12% | Revisions=-14% | GrowthEPS=+231.1% | GrowthRev=+28.3%
EPS next Year (2027-12-31): EPS=0.51 | Chg30d=+0.06% | Revisions=-43% | GrowthEPS=+27.7% | GrowthRev=+9.3%
[Analyst] Revisions Ratio: -43%