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

EPS (Earnings per Share)

EPS Growth (3y CAGR): 6.61%
EPS Trend (3y Corr): 13.5%

Last SUE: -0.60σ
Qual. Beats: 0

Revenue

Revenue Growth (3y CAGR): 24.83%
Revenue Trend (3y Corr): 18.0%

Last SUE: -0.72σ
Qual. Beats: 0

Risk via 10d forecast
Volatility	47.8%
Value at Risk 5%th	72.3%
Relative Tail Risk	-8.01%

Reward TTM
Sharpe Ratio	0.00
Alpha	-18.04

Character TTM
Hurst Exponent	0.559
Beta	0.831
Beta Downside	0.893

Drawdowns 3y
Max DD	56.68%
Mean DD	20.81%
Median DD	16.93%

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	8,223m
Sub-Industry	Commercial & Residential Mortgage Finance
IPO / Inception	2020-03-24
Return 12m vs S&P 500	-20.4%
Analyst Rating	3.55 of 5

UWMC Dividends

Metric	Value
Dividend Yield	10.08%
Yield on Cost 5y	6.99%
Yield CAGR 5y	0.00%
Payout Consistency	97.0%
Payout Ratio	3.7%

UWMC Growth Ratios

Metric	Value
CAGR 3y	14.69%
CAGR/Max DD Calmar Ratio	0.26
CAGR/Mean DD Pain Ratio	0.71
Current Volume	8429.7k
Average Volume	10198k

Piotroski VR‑10 (Strict, 0-10) 2.0

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 -454.9% (prev -714.6%; Δ 259.8pp) (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 (-870.7m) to EBITDA (176.1m) ratio: -4.95 <= 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 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'' -3.23

(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

(D) 0.01 = Book Value of Equity 170.0m / Total Liabilities 15.44b

Total Rating: -3.23 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 43.22

1. Piotroski 2.0pt = -3.0

2. FCF Yield -16.70% = -5.0

3. FCF Margin data missing

4. Debt/Equity 8.09 = -2.50

5. Debt/Ebitda -4.95 = 2.50

6. ROIC - WACC (= -0.86)% = -1.07

7. RoE 3.23% = 0.27

8. Rev. Trend 18.00% = 1.35

9. EPS Trend 13.48% = 0.67

What is the price of UWMC shares?

As of November 19, 2025, the stock is trading at USD 4.96 with a total of 8,429,687 shares traded.
Over the past week, the price has changed by -9.32%, over one month by -10.95%, over three months by -6.24% and over the past year by -9.53%.

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	41.1%
Analysts Target Price	7	41.1%
ValueRay Target Price	5.5	11.5%

UWMC Fundamental Data Overview November 15, 2025

Market Cap USD = 8.22b (8.22b USD * 1.0 USD.USD)
P/E Trailing = 46.7273
P/E Forward = 12.87
P/S = 3.0422
P/B = 7.9019
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 = 799.7m USD (from shortLongTermDebt, last quarter)
Debt = 12.84b USD (from shortLongTermDebtTotal, last fiscal year)
Net Debt = -870.7m USD (from netDebt column, last quarter)
Enterprise Value = 20.09b USD (8.22b + Debt 12.84b - CCE 972.0m)
Interest Coverage Ratio = 0.23 (Ebit TTM 123.6m / Interest Expense TTM 528.3m)
FCF Yield = -16.70% (FCF TTM -3.36b / Enterprise Value 20.09b)
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 = 1.18 (Enterprise Value 20.09b / Total Assets 17.02b)
Interest Expense / Debt = 1.03% (Interest Expense 132.1m / Debt 12.84b)
Taxrate = 4.59% (582.0k / 12.7m)
NOPAT = 117.9m (EBIT 123.6m * (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 = -4.95 (Net Debt -870.7m / EBITDA 176.1m)
Debt / FCF = 0.26 (negative FCF - burning cash) (Net Debt -870.7m / FCF TTM -3.36b)
Total Stockholder Equity = 522.4m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.10% (Net Income 16.9m / Total Assets 17.02b)
RoE = 3.23% (Net Income TTM 16.9m / Total Stockholder Equity 522.4m)
RoCE = 3.44% (EBIT 123.6m / Capital Employed (Equity 522.4m + L.T.Debt 3.07b))
RoIC = 3.29% (NOPAT 117.9m / Invested Capital 3.59b)
WACC = 4.14% (E(8.22b)/V(21.06b) * Re(9.08%) + D(12.84b)/V(21.06b) * Rd(1.03%) * (1-Tc(0.05)))
Discount Rate = 9.08% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 387.2%
Fair Price DCF = unknown (Cash Flow -3.36b)
EPS Correlation: 13.48 | EPS CAGR: 6.61% | SUE: -0.60 | # QB: 0
Revenue Correlation: 18.00 | Revenue CAGR: 24.83% | SUE: -0.72 | # QB: 0

Additional Sources for UWMC Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
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Fund Manager Positions: Dataroma | Stockcircle