(UWMC) UWM Holdings - Overview

Sector: Financial Services | Industry: Mortgage Finance | Exchange: NYSE (USA) | Market Cap: 5.481m USD | Total Return: -29.8% in 12m

Stock Mortgage Loans, Wholesale Lending, Servicing
Total Rating 26
Safety 36
Buy Signal -0.09
Mortgage Finance +23.6
Commercial & Residential Mortgage Finance +11.6
Market Cap: 5,481m
Avg Trading Vol: 70.5M USD
ATR: 6.69%
Peers RS (IBD): 22.7
Risk 5d forecast
Volatility52.9%
Rel. Tail Risk-8.62%
Reward TTM
Sharpe Ratio-0.35
Alpha-56.40
Character TTM
Beta1.596
Beta Downside1.787
Drawdowns 3y
Max DD58.90%
CAGR/Max DD-0.06
EPS (Earnings per Share) EPS (Earnings per Share) of UWMC over the last years for every Quarter: "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, "2025-12": 0.08, "2026-03": 0,
EPS CAGR: -8.92%
EPS Trend: -9.2%
Last SUE: -1.22
Qual. Beats: 0
Revenue Revenue of UWMC over the last years for every Quarter: 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: 470.681, 2025-12: 945.247, 2026-03: null,
Rev. CAGR: 6.15%
Rev. Trend: 4.7%
Last SUE: 3.38
Qual. Beats: 1
Risks
Technicals: choppy
Description: UWMC UWM Holdings

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) 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 7.64k% > 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 April 03, 2026, the stock is trading at USD 3.62 with a total of 15,613,980 shares traded.
Over the past week, the price has changed by +5.38%, over one month by -11.70%, over three months by -13.30% and over the past year by -29.77%.
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?
Wallstreet Target Price 6.8 88.4%
Analysts Target Price 6.8 88.4%
UWMC Fundamental Data Overview as of 30 March 2026
P/E Trailing = 28.5
P/E Forward = 7.9114
P/S = 1.5847
P/B = 5.3094
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 = 19.42b USD (5.48b + Debt 14.44b - CCE 503.4m)
Interest Coverage Ratio = 0.75 (Ebit TTM 395.7m / Interest Expense TTM 530.8m)
EV/FCF = -7.13x (Enterprise Value 19.42b / FCF TTM -2.72b)
FCF Yield = -14.02% (FCF TTM -2.72b / Enterprise Value 19.42b)
 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 = 1.15 (Enterprise Value 19.42b / 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 = 3.90% (E(5.48b)/V(19.92b) * Re(11.60%) + D(14.44b)/V(19.92b) * Rd(1.00%) * (1-Tc(0.03)))
Discount Rate = 11.60% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 65.99%
 [DCF] Fair Price = unknown (Cash Flow -2.72b)
 EPS Correlation: -9.21 | EPS CAGR: -8.92% | SUE: -1.22 | # QB: 0
Revenue Correlation: 4.74 | Revenue CAGR: 6.15% | SUE: 3.38 | # QB: 1
EPS next Quarter (2026-06-30): EPS=0.14 | Chg7d=+0.015 | Chg30d=+0.016 | Revisions Net=-3 | Analysts=3
EPS current Year (2026-12-31): EPS=0.44 | Chg7d=+0.019 | Chg30d=-0.029 | Revisions Net=-5 | Growth EPS=+261.2% | Growth Revenue=+22.6%
EPS next Year (2027-12-31): EPS=0.57 | Chg7d=+0.018 | Chg30d=-0.029 | Revisions Net=-4 | Growth EPS=+30.9% | Growth Revenue=+17.5%
[Analyst] Revisions Ratio: -1.00 (0 Up / 3 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 8.1% (Discount Rate 11.6% - Earnings Yield 3.5%)
[Growth] Growth Spread = -11.9% (Analyst -3.8% - Implied 8.1%)
External Resources
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