UWM HOLDINGS CORP (UWMC) Stock Fundamental Analysis

NYSE:UWMC • US91823B1098

4.465 USD
+0.3 (+7.33%)
Last: Feb 26, 2026, 02:13 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to UWMC. UWMC was compared to 98 industry peers in the Financial Services industry. There are concerns on the financial health of UWMC while its profitability can be described as average. UWMC has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • In the past year UWMC was profitable.
  • UWMC had a negative operating cash flow in the past year.
  • In multiple years UWMC reported negative net income over the last 5 years.
  • In multiple years UWMC reported negative operating cash flow during the last 5 years.
UWMC Yearly Net Income VS EBIT VS OCF VS FCFUWMC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2017 2018 2019 2020 2021 2022 2023 2024 0 5B -5B -10B

1.2 Ratios

  • The Return On Assets of UWMC (0.10%) is worse than 69.39% of its industry peers.
  • UWMC's Return On Equity of 9.50% is in line compared to the rest of the industry. UWMC outperforms 54.08% of its industry peers.
  • UWMC's Return On Invested Capital of 6.81% is fine compared to the rest of the industry. UWMC outperforms 70.41% of its industry peers.
  • UWMC had an Average Return On Invested Capital over the past 3 years of 6.93%. This is in line with the industry average of 8.40%.
Industry RankSector Rank
ROA 0.1%
ROE 9.5%
ROIC 6.81%
ROA(3y)0.1%
ROA(5y)6.03%
ROE(3y)8.71%
ROE(5y)47.58%
ROIC(3y)6.93%
ROIC(5y)11.31%
UWMC Yearly ROA, ROE, ROICUWMC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2017 2018 2019 2020 2021 2022 2023 2024 0 50 100

1.3 Margins

  • Looking at the Profit Margin, with a value of 0.58%, UWMC is doing worse than 68.37% of the companies in the same industry.
  • UWMC's Profit Margin has declined in the last couple of years.
  • UWMC's Operating Margin of 47.12% is amongst the best of the industry. UWMC outperforms 85.71% of its industry peers.
  • UWMC's Operating Margin has improved in the last couple of years.
  • With an excellent Gross Margin value of 88.49%, UWMC belongs to the best of the industry, outperforming 92.86% of the companies in the same industry.
  • UWMC's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 47.12%
PM (TTM) 0.58%
GM 88.49%
OM growth 3Y-10.37%
OM growth 5Y1.99%
PM growth 3Y-42.03%
PM growth 5Y-55.95%
GM growth 3Y-2.21%
GM growth 5Y-1.33%
UWMC Yearly Profit, Operating, Gross MarginsUWMC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2017 2018 2019 2020 2021 2022 2023 2024 0 20 40 60 80

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so UWMC is destroying value.
  • UWMC has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
UWMC Yearly Shares OutstandingUWMC Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B
UWMC Yearly Total Debt VS Total AssetsUWMC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B 20B

2.2 Solvency

  • UWMC has an Altman-Z score of 0.71. This is a bad value and indicates that UWMC is not financially healthy and even has some risk of bankruptcy.
  • With a Altman-Z score value of 0.71, UWMC perfoms like the industry average, outperforming 56.12% of the companies in the same industry.
  • A Debt/Equity ratio of 81.18 is on the high side and indicates that UWMC has dependencies on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 81.18, UWMC is doing worse than 90.82% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 81.18
Debt/FCF N/A
Altman-Z 0.71
ROIC/WACC0.94
WACC7.28%
UWMC Yearly LT Debt VS Equity VS FCFUWMC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2017 2018 2019 2020 2021 2022 2023 2024 0 5B -5B 10B -10B 15B

2.3 Liquidity

  • A Current Ratio of 1.23 indicates that UWMC should not have too much problems paying its short term obligations.
  • UWMC's Current ratio of 1.23 is fine compared to the rest of the industry. UWMC outperforms 60.20% of its industry peers.
  • UWMC has a Quick Ratio of 1.23. This is a normal value and indicates that UWMC is financially healthy and should not expect problems in meeting its short term obligations.
  • UWMC has a Quick ratio of 1.23. This is in the better half of the industry: UWMC outperforms 62.24% of its industry peers.
Industry RankSector Rank
Current Ratio 1.23
Quick Ratio 1.23
UWMC Yearly Current Assets VS Current LiabilitesUWMC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. Growth

3.1 Past

  • UWMC shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -7.14%.
  • UWMC shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -33.89% yearly.
EPS 1Y (TTM)-7.14%
EPS 3Y-33.89%
EPS 5YN/A
EPS Q2Q%N/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%68.73%

3.2 Future

  • Based on estimates for the next years, UWMC will show a very strong growth in Earnings Per Share. The EPS will grow by 119.29% on average per year.
  • UWMC is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 23.66% yearly.
EPS Next Y262.1%
EPS Next 2Y119.29%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year31.06%
Revenue Next 2Y21.61%
Revenue Next 3Y23.66%
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
UWMC Yearly Revenue VS EstimatesUWMC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 1B 2B 3B 4B
UWMC Yearly EPS VS EstimatesUWMC Yearly EPS VS EstimatesYearly EPS VS Estimates 2020 2021 2022 2023 2024 2025 2026 2027 0 0.5 1 1.5

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Find the best growth stocksShow best growing peers

4

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 34.35, UWMC can be considered very expensive at the moment.
  • Compared to the rest of the industry, the Price/Earnings ratio of UWMC indicates a slightly more expensive valuation: UWMC is more expensive than 70.41% of the companies listed in the same industry.
  • UWMC is valuated rather expensively when we compare the Price/Earnings ratio to 27.05, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 9.49, the valuation of UWMC can be described as reasonable.
  • UWMC's Price/Forward Earnings ratio is in line with the industry average.
  • When comparing the Price/Forward Earnings ratio of UWMC to the average of the S&P500 Index (28.03), we can say UWMC is valued rather cheaply.
Industry RankSector Rank
PE 34.35
Fwd PE 9.49
UWMC Price Earnings VS Forward Price EarningsUWMC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • The rest of the industry has a similar Enterprise Value to EBITDA ratio as UWMC.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 14.01
UWMC Per share dataUWMC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 1 -1 -2

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as UWMC's earnings are expected to grow with 119.29% in the coming years.
PEG (NY)0.13
PEG (5Y)N/A
EPS Next 2Y119.29%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 8.77%, UWMC is a good candidate for dividend investing.
  • The stock price of UWMC dropped by -28.89% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
  • Compared to an average industry Dividend Yield of 2.23, UWMC pays a better dividend. On top of this UWMC pays more dividend than 94.90% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.80, UWMC pays a better dividend.
Industry RankSector Rank
Dividend Yield 8.77%

5.2 History

  • UWMC has been paying a dividend for over 5 years, so it has already some track record.
  • UWMC has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years3
UWMC Yearly Dividends per shareUWMC Yearly Dividends per shareYearly Dividends per share 2021 2022 2023 2024 2025 0 0 0 0 0

5.3 Sustainability

  • 393.69% of the earnings are spent on dividend by UWMC. This is not a sustainable payout ratio.
DP393.69%
EPS Next 2Y119.29%
EPS Next 3YN/A
UWMC Yearly Income VS Free CF VS DividendUWMC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2017 2018 2019 2020 2021 2022 2023 2024 0 5B -5B -10B
UWMC Dividend Payout.UWMC Dividend Payout, showing the Payout Ratio.UWMC Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

UWM HOLDINGS CORP

NYSE:UWMC (2/26/2026, 2:13:08 PM)

4.465

+0.3 (+7.33%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-25
Earnings (Next)05-04
Inst Owners62.64%
Inst Owner Change23.1%
Ins Owners6.77%
Ins Owner Change0.16%
Market Cap7.14B
Revenue(TTM)N/A
Net Income(TTM)16.89M
Analysts72.5
Price Target6.73 (50.73%)
Short Float %22.21%
Short Ratio3.03
Dividend
Industry RankSector Rank
Dividend Yield 8.77%
Yearly Dividend0.02
Dividend Growth(5Y)N/A
DP393.69%
Div Incr Years0
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)34.44%
Min EPS beat(2)-85.15%
Max EPS beat(2)154.03%
EPS beat(4)1
Avg EPS beat(4)-87.75%
Min EPS beat(4)-319.9%
Max EPS beat(4)154.03%
EPS beat(8)2
Avg EPS beat(8)-135.61%
EPS beat(12)4
Avg EPS beat(12)-116.51%
EPS beat(16)7
Avg EPS beat(16)-30.71%
Revenue beat(2)2
Avg Revenue beat(2)12.2%
Min Revenue beat(2)6.71%
Max Revenue beat(2)17.68%
Revenue beat(4)3
Avg Revenue beat(4)5.05%
Min Revenue beat(4)-12.14%
Max Revenue beat(4)17.68%
Revenue beat(8)4
Avg Revenue beat(8)-13.75%
Revenue beat(12)7
Avg Revenue beat(12)-5.69%
Revenue beat(16)11
Avg Revenue beat(16)2%
PT rev (1m)0%
PT rev (3m)-5.8%
EPS NQ rev (1m)1.3%
EPS NQ rev (3m)-3.15%
EPS NY rev (1m)0%
EPS NY rev (3m)-26.26%
Revenue NQ rev (1m)-4.76%
Revenue NQ rev (3m)-0.37%
Revenue NY rev (1m)-5.29%
Revenue NY rev (3m)-5.18%
Valuation
Industry RankSector Rank
PE 34.35
Fwd PE 9.49
P/S 2.43
P/FCF N/A
P/OCF N/A
P/B 40.21
P/tB N/A
EV/EBITDA 14.01
EPS(TTM)0.13
EY2.91%
EPS(NY)0.47
Fwd EY10.54%
FCF(TTM)-2.1
FCFYN/A
OCF(TTM)-2.06
OCFYN/A
SpS1.84
BVpS0.11
TBVpS-1.96
PEG (NY)0.13
PEG (5Y)N/A
Graham Number0.57
Profitability
Industry RankSector Rank
ROA 0.1%
ROE 9.5%
ROCE 8.67%
ROIC 6.81%
ROICexc 7.2%
ROICexgc 10.17%
OM 47.12%
PM (TTM) 0.58%
GM 88.49%
FCFM N/A
ROA(3y)0.1%
ROA(5y)6.03%
ROE(3y)8.71%
ROE(5y)47.58%
ROIC(3y)6.93%
ROIC(5y)11.31%
ROICexc(3y)7.24%
ROICexc(5y)12.27%
ROICexgc(3y)12.36%
ROICexgc(5y)17.24%
ROCE(3y)8.83%
ROCE(5y)14.37%
ROICexgc growth 3Y-0.64%
ROICexgc growth 5Y5.54%
ROICexc growth 3Y-8.02%
ROICexc growth 5Y-0.21%
OM growth 3Y-10.37%
OM growth 5Y1.99%
PM growth 3Y-42.03%
PM growth 5Y-55.95%
GM growth 3Y-2.21%
GM growth 5Y-1.33%
F-Score4
Asset Turnover0.17
Health
Industry RankSector Rank
Debt/Equity 81.18
Debt/FCF N/A
Debt/EBITDA 10.05
Cap/Depr 115.52%
Cap/Sales 2.06%
Interest Coverage 2.6
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.23
Quick Ratio 1.23
Altman-Z 0.71
F-Score4
WACC7.28%
ROIC/WACC0.94
Cap/Depr(3y)62.51%
Cap/Depr(5y)76.78%
Cap/Sales(3y)1.32%
Cap/Sales(5y)1.39%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-7.14%
EPS 3Y-33.89%
EPS 5YN/A
EPS Q2Q%N/A
EPS Next Y262.1%
EPS Next 2Y119.29%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%68.73%
Revenue Next Year31.06%
Revenue Next 2Y21.61%
Revenue Next 3Y23.66%
Revenue Next 5YN/A
EBIT growth 1Y11.66%
EBIT growth 3Y-18.51%
EBIT growth 5Y18.21%
EBIT Next Year-18.96%
EBIT Next 3Y23.33%
EBIT Next 5Y21.88%
FCF growth 1Y-61.62%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-60.71%
OCF growth 3YN/A
OCF growth 5YN/A

UWM HOLDINGS CORP / UWMC FAQ

Can you provide the ChartMill fundamental rating for UWM HOLDINGS CORP?

ChartMill assigns a fundamental rating of 5 / 10 to UWMC.


What is the valuation status of UWM HOLDINGS CORP (UWMC) stock?

ChartMill assigns a valuation rating of 3 / 10 to UWM HOLDINGS CORP (UWMC). This can be considered as Overvalued.


How profitable is UWM HOLDINGS CORP (UWMC) stock?

UWM HOLDINGS CORP (UWMC) has a profitability rating of 4 / 10.


What is the earnings growth outlook for UWM HOLDINGS CORP?

The Earnings per Share (EPS) of UWM HOLDINGS CORP (UWMC) is expected to grow by 262.1% in the next year.


How sustainable is the dividend of UWM HOLDINGS CORP (UWMC) stock?

The dividend rating of UWM HOLDINGS CORP (UWMC) is 5 / 10 and the dividend payout ratio is 393.69%.