(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
Dividends
| Dividend Yield | 8.73% |
| Yield on Cost 5y | 6.64% |
| Yield CAGR 5y | 0.00% |
| Payout Consistency | 97.0% |
| Payout Ratio | 3.7% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 47.8% |
| Value at Risk 5%th | 72.5% |
| Relative Tail Risk | -7.72% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.13 |
| Alpha | -19.18 |
| CAGR/Max DD | 0.25 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.463 |
| Beta | 0.879 |
| Beta Downside | 0.904 |
| Drawdowns 3y | |
|---|---|
| Max DD | 56.68% |
| Mean DD | 21.39% |
| Median DD | 18.06% |
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 |
| (C) 0.01 = EBIT TTM 123.6m / Avg Total Assets 16.07b |
| (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 December 07, 2025, the stock is trading at USD 5.73 with a total of 8,279,614 shares traded.
Over the past week, the price has changed by -2.05%, over one month by +1.24%, over three months by -7.82% and over the past year by -1.49%.
Over the past week, the price has changed by -2.05%, over one month by +1.24%, over three months by -7.82% and over the past year by -1.49%.
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 | 22.2% |
| Analysts Target Price | 7 | 22.2% |
| ValueRay Target Price | 6.3 | 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(9.25%) + D(14.53b)/V(23.01b) * Rd(0.91%) * (1-Tc(0.05)))
Discount Rate = 9.25% (= 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
EPS next Quarter (2026-03-31): EPS=0.08 | Chg30d=+0.006 | Revisions Net=+0 | Analysts=6
EPS next Year (2026-12-31): EPS=0.45 | Chg30d=+0.012 | Revisions Net=+1 | Growth EPS=+202.5% | Growth Revenue=+40.0%
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(9.25%) + D(14.53b)/V(23.01b) * Rd(0.91%) * (1-Tc(0.05)))
Discount Rate = 9.25% (= 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
EPS next Quarter (2026-03-31): EPS=0.08 | Chg30d=+0.006 | Revisions Net=+0 | Analysts=6
EPS next Year (2026-12-31): EPS=0.45 | Chg30d=+0.012 | Revisions Net=+1 | Growth EPS=+202.5% | Growth Revenue=+40.0%
Additional Sources for UWMC Stock
News:
Wall Street Journal |
Benzinga |
Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle