UWM HOLDINGS CORP (UWMC) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:UWMC - US91823B1098 - Common Stock
5.45 USD
+0.08 (+1.49%)
5.4107 USD
-0.04 (-0.72%)
Overall UWMC gets a fundamental rating of 5 out of 10. We evaluated UWMC against 98 industry peers in the Financial Services industry. While UWMC is still in line with the averages on profitability rating, there are concerns on its financial health. UWMC is valued quite expensively, but it does show have an excellent growth rating.
1. Profitability
1.1 Basic Checks
- In the past year UWMC was profitable.
- In the past year UWMC has reported a negative cash flow from operations.
- UWMC had positive earnings in 4 of the past 5 years.
- The reported operating cash flow has been mixed in the past 5 years: UWMC reported negative operating cash flow in multiple years.
1.2 Ratios
- UWMC's Return On Assets of 0.10% is on the low side compared to the rest of the industry. UWMC is outperformed by 71.43% of its industry peers.
- UWMC has a Return On Equity of 9.50%. This is comparable to the rest of the industry: UWMC outperforms 53.06% of its industry peers.
- UWMC has a Return On Invested Capital of 6.81%. This is in the better half of the industry: UWMC outperforms 71.43% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for UWMC is in line with the industry average of 8.44%.
| Industry Rank | Sector 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%
1.3 Margins
- UWMC has a worse Profit Margin (0.58%) than 70.41% of its industry peers.
- In the last couple of years the Profit Margin of UWMC has declined.
- The Operating Margin of UWMC (47.12%) is better than 85.71% of its industry peers.
- UWMC's Operating Margin has improved in the last couple of years.
- UWMC has a better Gross Margin (88.49%) than 91.84% of its industry peers.
- UWMC's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector 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%
2. Health
2.1 Basic Checks
- UWMC has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
- UWMC has about the same amout of shares outstanding than it did 1 year ago.
- The number of shares outstanding for UWMC has been reduced compared to 5 years ago.
- UWMC has a worse debt/assets ratio than last year.
2.2 Solvency
- Based on the Altman-Z score of 0.78, we must say that UWMC is in the distress zone and has some risk of bankruptcy.
- UWMC has a Altman-Z score of 0.78. This is comparable to the rest of the industry: UWMC outperforms 57.14% of its industry peers.
- A Debt/Equity ratio of 81.18 is on the high side and indicates that UWMC has dependencies on debt financing.
- UWMC has a worse Debt to Equity ratio (81.18) than 92.86% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 81.18 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.78 |
ROIC/WACC0.91
WACC7.47%
2.3 Liquidity
- A Current Ratio of 1.23 indicates that UWMC should not have too much problems paying its short term obligations.
- UWMC has a Current ratio of 1.23. This is in the better half of the industry: UWMC outperforms 60.20% of its industry peers.
- A Quick Ratio of 1.23 indicates that UWMC should not have too much problems paying its short term obligations.
- Looking at the Quick ratio, with a value of 1.23, UWMC is in the better half of the industry, outperforming 62.24% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.23 | ||
| Quick Ratio | 1.23 |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 155.56% over the past year.
- The earnings per share for UWMC have been decreasing by -49.74% on average. This is quite bad
- Looking at the last year, UWMC shows a quite strong growth in Revenue. The Revenue has grown by 18.70% in the last year.
- UWMC shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 15.91% yearly.
EPS 1Y (TTM)155.56%
EPS 3Y-42.85%
EPS 5Y-49.74%
EPS Q2Q%0%
Revenue 1Y (TTM)18.7%
Revenue growth 3Y-9.08%
Revenue growth 5Y15.91%
Sales Q2Q%60.18%
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 63.51% on average per year.
- Based on estimates for the next years, UWMC will show a very strong growth in Revenue. The Revenue will grow by 21.60% on average per year.
EPS Next Y-6.93%
EPS Next 2Y82.41%
EPS Next 3Y63.51%
EPS Next 5YN/A
Revenue Next Year28.53%
Revenue Next 2Y25.27%
Revenue Next 3Y20.55%
Revenue Next 5Y21.6%
3.3 Evolution
- The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
- The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 109.00, which means the current valuation is very expensive for UWMC.
- Based on the Price/Earnings ratio, UWMC is valued a bit more expensive than the industry average as 76.53% of the companies are valued more cheaply.
- UWMC's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 27.33.
- UWMC is valuated reasonably with a Price/Forward Earnings ratio of 11.70.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of UWMC is on the same level as its industry peers.
- When comparing the Price/Forward Earnings ratio of UWMC to the average of the S&P500 Index (24.12), we can say UWMC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 109 | ||
| Fwd PE | 11.7 |
4.2 Price Multiples
- UWMC's Enterprise Value to EBITDA ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 15.45 |
4.3 Compensation for Growth
- A more expensive valuation may be justified as UWMC's earnings are expected to grow with 63.51% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y82.41%
EPS Next 3Y63.51%
5. Dividend
5.1 Amount
- UWMC has a Yearly Dividend Yield of 8.49%, which is a nice return.
- UWMC's Dividend Yield is rather good when compared to the industry average which is at 2.49. UWMC pays more dividend than 89.80% of the companies in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.91, UWMC pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.49% |
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
5.3 Sustainability
- UWMC pays out 393.69% of its income as dividend. This is not a sustainable payout ratio.
DP393.69%
EPS Next 2Y82.41%
EPS Next 3Y63.51%
5.45
+0.08 (+1.49%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-06 2025-11-06/bmo
Earnings (Next)02-24 2026-02-24/bmo
Inst Owners62.64%
Inst Owner Change0.02%
Ins Owners6.77%
Ins Owner Change0.16%
Market Cap8.72B
Revenue(TTM)2.94B
Net Income(TTM)16.89M
Analysts72.5
Price Target6.85 (25.69%)
Short Float %11.73%
Short Ratio2.34
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.49% |
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)-4.02%
PT rev (3m)14.02%
EPS NQ rev (1m)0.58%
EPS NQ rev (3m)32.31%
EPS NY rev (1m)-22.81%
EPS NY rev (3m)-44.46%
Revenue NQ rev (1m)-3.19%
Revenue NQ rev (3m)12.32%
Revenue NY rev (1m)0%
Revenue NY rev (3m)5.4%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 109 | ||
| Fwd PE | 11.7 | ||
| P/S | 2.97 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 49.08 | ||
| P/tB | N/A | ||
| EV/EBITDA | 15.45 |
EPS(TTM)0.05
EY0.92%
EPS(NY)0.47
Fwd EY8.55%
FCF(TTM)-2.1
FCFYN/A
OCF(TTM)-2.06
OCFYN/A
SpS1.84
BVpS0.11
TBVpS-1.96
PEG (NY)N/A
PEG (5Y)N/A
Graham Number0.35
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 0.78 |
F-Score4
WACC7.47%
ROIC/WACC0.91
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)155.56%
EPS 3Y-42.85%
EPS 5Y-49.74%
EPS Q2Q%0%
EPS Next Y-6.93%
EPS Next 2Y82.41%
EPS Next 3Y63.51%
EPS Next 5YN/A
Revenue 1Y (TTM)18.7%
Revenue growth 3Y-9.08%
Revenue growth 5Y15.91%
Sales Q2Q%60.18%
Revenue Next Year28.53%
Revenue Next 2Y25.27%
Revenue Next 3Y20.55%
Revenue Next 5Y21.6%
EBIT growth 1Y11.66%
EBIT growth 3Y-18.51%
EBIT growth 5Y18.21%
EBIT Next Year-29.11%
EBIT Next 3Y22.68%
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 decline by -6.93% 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%.