UWM HOLDINGS CORP (UWMC) Fundamental Analysis & Valuation

NYSE:UWMC • US91823B1098

Current stock price

3.63 USD
-0.03 (-0.82%)
At close:
3.67 USD
+0.04 (+1.1%)
After Hours:

This UWMC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. UWMC Profitability Analysis

1.1 Basic Checks

  • UWMC had positive earnings in the past year.
  • In the past year UWMC has reported a negative cash flow from operations.
  • Of the past 5 years UWMC 4 years were profitable.
  • The reported operating cash flow has been mixed in the past 5 years: UWMC reported negative operating cash flow in multiple 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 2025 0 5B -5B -10B

1.2 Ratios

  • UWMC's Return On Assets of 0.16% is on the low side compared to the rest of the industry. UWMC is outperformed by 70.41% of its industry peers.
  • With a decent Return On Equity value of 13.72%, UWMC is doing good in the industry, outperforming 71.43% of the companies in the same industry.
  • UWMC has a better Return On Invested Capital (7.62%) than 71.43% of its industry peers.
  • UWMC had an Average Return On Invested Capital over the past 3 years of 7.51%. This is in line with the industry average of 8.22%.
  • The 3 year average ROIC (7.51%) for UWMC is below the current ROIC(7.62%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 0.16%
ROE 13.72%
ROIC 7.62%
ROA(3y)0.05%
ROA(5y)0.18%
ROE(3y)3.63%
ROE(5y)21.83%
ROIC(3y)7.51%
ROIC(5y)7.51%
UWMC Yearly ROA, ROE, ROICUWMC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50 100

1.3 Margins

  • UWMC's Profit Margin of 0.87% is on the low side compared to the rest of the industry. UWMC is outperformed by 69.39% of its industry peers.
  • UWMC's Profit Margin has declined in the last couple of years.
  • The Operating Margin of UWMC (48.69%) is better than 85.71% of its industry peers.
  • UWMC's Operating Margin has declined in the last couple of years.
  • With an excellent Gross Margin value of 88.79%, UWMC belongs to the best of the industry, outperforming 92.86% of the companies in the same industry.
  • UWMC's Gross Margin has declined in the last couple of years.
Industry RankSector Rank
OM 48.69%
PM (TTM) 0.87%
GM 88.79%
OM growth 3Y2.06%
OM growth 5Y-7.5%
PM growth 3Y-24.3%
PM growth 5Y-58.27%
GM growth 3Y0.4%
GM growth 5Y-1.85%
UWMC Yearly Profit, Operating, Gross MarginsUWMC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 40 60 80

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1

2. UWMC Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), UWMC is creating some value.
  • UWMC has about the same amout of shares outstanding than it did 1 year ago.
  • UWMC has more shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, UWMC has a worse debt to assets ratio.
UWMC Yearly Shares OutstandingUWMC Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 5B 10B 15B 20B

2.2 Solvency

  • Based on the Altman-Z score of 0.70, we must say that UWMC is in the distress zone and has some risk of bankruptcy.
  • UWMC has a Altman-Z score (0.70) which is comparable to the rest of the industry.
  • A Debt/Equity ratio of 71.87 is on the high side and indicates that UWMC has dependencies on debt financing.
  • UWMC has a Debt to Equity ratio of 71.87. This is amonst the worse of the industry: UWMC underperforms 90.82% of its industry peers.
Industry RankSector Rank
Debt/Equity 71.87
Debt/FCF N/A
Altman-Z 0.7
ROIC/WACC1.15
WACC6.61%
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 2025 0 5B -5B 10B -10B 15B

2.3 Liquidity

  • A Current Ratio of 0.81 indicates that UWMC may have some problems paying its short term obligations.
  • UWMC has a Current ratio (0.81) which is comparable to the rest of the industry.
  • UWMC has a Quick Ratio of 0.81. This is a bad value and indicates that UWMC is not financially healthy enough and could expect problems in meeting its short term obligations.
  • UWMC has a Quick ratio of 0.81. This is comparable to the rest of the industry: UWMC outperforms 45.92% of its industry peers.
Industry RankSector Rank
Current Ratio 0.81
Quick Ratio 0.81
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 2025 500M 1B

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

5

3. UWMC Growth Analysis

3.1 Past

  • The earnings per share for UWMC have decreased by -7.14% in the last year.
  • Measured over the past years, UWMC shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -80.19% on average per year.
  • UWMC shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 18.19%.
  • Measured over the past years, UWMC shows a decrease in Revenue. The Revenue has been decreasing by -8.54% on average per year.
EPS 1Y (TTM)-7.14%
EPS 3Y-33.89%
EPS 5Y-80.19%
EPS Q2Q%-82.52%
Revenue 1Y (TTM)18.19%
Revenue growth 3Y14.81%
Revenue growth 5Y-8.54%
Sales Q2Q%35.49%

3.2 Future

  • The Earnings Per Share is expected to grow by 82.92% on average over the next years. This is a very strong growth
  • Based on estimates for the next years, UWMC will show a very strong growth in Revenue. The Revenue will grow by 20.32% on average per year.
EPS Next Y242.18%
EPS Next 2Y111.05%
EPS Next 3Y82.92%
EPS Next 5YN/A
Revenue Next Year26.33%
Revenue Next 2Y20.05%
Revenue Next 3Y20.32%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • When comparing the Revenue 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 2028 0 0.5 1 1.5

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5

4. UWMC Valuation Analysis

4.1 Price/Earnings Ratio

  • UWMC is valuated quite expensively with a Price/Earnings ratio of 27.92.
  • 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 at similar levels of the S&P average when we compare the Price/Earnings ratio to 25.96, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 8.16 indicates a reasonable valuation of UWMC.
  • 64.29% of the companies in the same industry are more expensive than UWMC, based on the Price/Forward Earnings ratio.
  • UWMC is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.04, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 27.92
Fwd PE 8.16
UWMC Price Earnings VS Forward Price EarningsUWMC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • UWMC's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. UWMC is cheaper than 60.20% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 12.29
UWMC Per share dataUWMC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 1 -1 -2

4.3 Compensation for Growth

  • UWMC's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • UWMC's earnings are expected to grow with 82.92% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.12
PEG (5Y)N/A
EPS Next 2Y111.05%
EPS Next 3Y82.92%

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

5

5. UWMC Dividend Analysis

5.1 Amount

  • UWMC has a Yearly Dividend Yield of 10.70%, which is a nice return.
  • The stock price of UWMC dropped by -25.46% 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.
  • UWMC's Dividend Yield is rather good when compared to the industry average which is at 2.61. UWMC pays more dividend than 96.94% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.91, UWMC pays a better dividend.
Industry RankSector Rank
Dividend Yield 10.7%

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 2026 0 0 0 0 0

5.3 Sustainability

  • 287.06% of the earnings are spent on dividend by UWMC. This is not a sustainable payout ratio.
DP287.06%
EPS Next 2Y111.05%
EPS Next 3Y82.92%
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 2025 0 5B -5B -10B
UWMC Dividend Payout.UWMC Dividend Payout, showing the Payout Ratio.UWMC Dividend Payout.PayoutRetained Earnings

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UWMC Fundamentals: All Metrics, Ratios and Statistics

UWM HOLDINGS CORP

NYSE:UWMC (3/16/2026, 8:04:00 PM)

After market: 3.67 +0.04 (+1.1%)

3.63

-0.03 (-0.82%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-25
Earnings (Next)05-04
Inst Owners70.53%
Inst Owner Change23.28%
Ins Owners6.9%
Ins Owner Change13.07%
Market Cap5.81B
Revenue(TTM)3.16B
Net Income(TTM)27.38M
Analysts72.5
Price Target6.73 (85.4%)
Short Float %21.89%
Short Ratio2.82
Dividend
Industry RankSector Rank
Dividend Yield 10.7%
Yearly Dividend0.05
Dividend Growth(5Y)N/A
DP287.06%
Div Incr Years0
Div Non Decr Years3
Ex-Date03-19
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-47.21%
Min EPS beat(2)-85.15%
Max EPS beat(2)-9.26%
EPS beat(4)1
Avg EPS beat(4)-65.07%
Min EPS beat(4)-319.9%
Max EPS beat(4)154.03%
EPS beat(8)2
Avg EPS beat(8)-56.35%
EPS beat(12)4
Avg EPS beat(12)-98.08%
EPS beat(16)7
Avg EPS beat(16)-29.75%
Revenue beat(2)1
Avg Revenue beat(2)6.91%
Min Revenue beat(2)-3.85%
Max Revenue beat(2)17.68%
Revenue beat(4)3
Avg Revenue beat(4)7.12%
Min Revenue beat(4)-3.85%
Max Revenue beat(4)17.68%
Revenue beat(8)4
Avg Revenue beat(8)2.24%
Revenue beat(12)6
Avg Revenue beat(12)-10.55%
Revenue beat(16)10
Avg Revenue beat(16)0.78%
PT rev (1m)0%
PT rev (3m)-5.8%
EPS NQ rev (1m)-38.04%
EPS NQ rev (3m)-37.64%
EPS NY rev (1m)-5.5%
EPS NY rev (3m)-5.12%
Revenue NQ rev (1m)-8.93%
Revenue NQ rev (3m)-14.52%
Revenue NY rev (1m)-6.97%
Revenue NY rev (3m)-9.09%
Valuation
Industry RankSector Rank
PE 27.92
Fwd PE 8.16
P/S 1.84
P/FCF N/A
P/OCF N/A
P/B 29.11
P/tB N/A
EV/EBITDA 12.29
EPS(TTM)0.13
EY3.58%
EPS(NY)0.44
Fwd EY12.25%
FCF(TTM)-1.7
FCFYN/A
OCF(TTM)-1.65
OCFYN/A
SpS1.98
BVpS0.12
TBVpS-2.42
PEG (NY)0.12
PEG (5Y)N/A
Graham Number0.6
Profitability
Industry RankSector Rank
ROA 0.16%
ROE 13.72%
ROCE 9.7%
ROIC 7.62%
ROICexc 7.87%
ROICexgc 12.3%
OM 48.69%
PM (TTM) 0.87%
GM 88.79%
FCFM N/A
ROA(3y)0.05%
ROA(5y)0.18%
ROE(3y)3.63%
ROE(5y)21.83%
ROIC(3y)7.51%
ROIC(5y)7.51%
ROICexc(3y)7.8%
ROICexc(5y)7.82%
ROICexgc(3y)12.97%
ROICexgc(5y)12.15%
ROCE(3y)9.57%
ROCE(5y)9.57%
ROICexgc growth 3Y5.52%
ROICexgc growth 5Y-20.08%
ROICexc growth 3Y8.25%
ROICexc growth 5Y-23.55%
OM growth 3Y2.06%
OM growth 5Y-7.5%
PM growth 3Y-24.3%
PM growth 5Y-58.27%
GM growth 3Y0.4%
GM growth 5Y-1.85%
F-Score4
Asset Turnover0.19
Health
Industry RankSector Rank
Debt/Equity 71.87
Debt/FCF N/A
Debt/EBITDA 8.99
Cap/Depr 133.41%
Cap/Sales 2.34%
Interest Coverage 3.1
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.81
Quick Ratio 0.81
Altman-Z 0.7
F-Score4
WACC6.61%
ROIC/WACC1.15
Cap/Depr(3y)89.03%
Cap/Depr(5y)101.45%
Cap/Sales(3y)1.68%
Cap/Sales(5y)1.63%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-7.14%
EPS 3Y-33.89%
EPS 5Y-80.19%
EPS Q2Q%-82.52%
EPS Next Y242.18%
EPS Next 2Y111.05%
EPS Next 3Y82.92%
EPS Next 5YN/A
Revenue 1Y (TTM)18.19%
Revenue growth 3Y14.81%
Revenue growth 5Y-8.54%
Sales Q2Q%35.49%
Revenue Next Year26.33%
Revenue Next 2Y20.05%
Revenue Next 3Y20.32%
Revenue Next 5YN/A
EBIT growth 1Y15.1%
EBIT growth 3Y17.18%
EBIT growth 5Y-15.4%
EBIT Next Year26.13%
EBIT Next 3Y25.1%
EBIT Next 5YN/A
FCF growth 1Y56.67%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y57.58%
OCF growth 3YN/A
OCF growth 5YN/A

UWM HOLDINGS CORP / UWMC Fundamental Analysis FAQ

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

ChartMill assigns a fundamental rating of 4 / 10 to UWMC.


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

ChartMill assigns a valuation rating of 5 / 10 to UWM HOLDINGS CORP (UWMC). This can be considered as Fairly Valued.


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 242.18% 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 287.06%.