UWM HOLDINGS CORP (UWMC) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:UWMC • US91823B1098

5.13 USD
+0.22 (+4.48%)
At close: Feb 2, 2026
5.2 USD
+0.07 (+1.36%)
After Hours: 2/2/2026, 8:04:00 PM
Fundamental Rating

5

Taking everything into account, UWMC scores 5 out of 10 in our fundamental rating. UWMC was compared to 97 industry peers in the Financial Services industry. UWMC has a medium profitability rating, but doesn't score so well on its financial health evaluation. UWMC shows excellent growth, but is valued quite expensive already.


Dividend Valuation Growth Profitability Health

4

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.
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

  • UWMC has a worse Return On Assets (0.10%) than 71.13% of its industry peers.
  • UWMC's Return On Equity of 9.50% is in line compared to the rest of the industry. UWMC outperforms 52.58% 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 71.13% 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 8.50%.
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

  • UWMC has a Profit Margin of 0.58%. This is in the lower half of the industry: UWMC underperforms 71.13% of its industry peers.
  • In the last couple of years the Profit Margin of UWMC has declined.
  • UWMC has a better Operating Margin (47.12%) than 85.57% of its industry peers.
  • UWMC's Operating Margin has improved in the last couple of years.
  • UWMC's Gross Margin of 88.49% is amongst the best of the industry. UWMC outperforms 91.75% of its industry peers.
  • 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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3

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.
  • Compared to 5 years ago, UWMC has less shares outstanding
  • UWMC has a worse debt/assets ratio than last year.
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 0.75. This is a bad value and indicates that UWMC is not financially healthy and even has some risk of bankruptcy.
  • UWMC has a Altman-Z score (0.75) which is in line with its industry peers.
  • 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 91.75% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 81.18
Debt/FCF N/A
Altman-Z 0.75
ROIC/WACC0.91
WACC7.49%
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.
  • With a decent Current ratio value of 1.23, UWMC is doing good in the industry, outperforming 60.82% of the companies in the same industry.
  • A Quick Ratio of 1.23 indicates that UWMC should not have too much problems paying its short term obligations.
  • With a decent Quick ratio value of 1.23, UWMC is doing good in the industry, outperforming 62.89% of the companies in the same industry.
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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8

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 155.56% over the past year.
  • Measured over the past years, UWMC shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -49.74% on average per year.
  • UWMC shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 18.70%.
  • 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

  • UWMC is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 64.67% yearly.
  • 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-8.02%
EPS Next 2Y83.37%
EPS Next 3Y64.67%
EPS Next 5YN/A
Revenue Next Year22.07%
Revenue Next 2Y25.27%
Revenue Next 3Y20.55%
Revenue Next 5Y21.6%

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.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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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3

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 102.60, 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 76.29% of the companies are valued more cheaply.
  • When comparing the Price/Earnings ratio of UWMC to the average of the S&P500 Index (28.41), we can say UWMC is valued expensively.
  • UWMC is valuated reasonably with a Price/Forward Earnings ratio of 10.90.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of UWMC is on the same level as its industry peers.
  • UWMC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.64.
Industry RankSector Rank
PE 102.6
Fwd PE 10.9
UWMC Price Earnings VS Forward Price EarningsUWMC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80 100

4.2 Price Multiples

  • UWMC's Enterprise Value to EBITDA ratio is in line with the industry average.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 14.85
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 earnings are expected to grow with 64.67% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y83.37%
EPS Next 3Y64.67%

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5

5. Dividend

5.1 Amount

  • UWMC has a Yearly Dividend Yield of 7.02%, which is a nice return.
  • Compared to an average industry Dividend Yield of 1.99, UWMC pays a better dividend. On top of this UWMC pays more dividend than 94.85% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.83, UWMC pays a better dividend.
Industry RankSector Rank
Dividend Yield 7.02%

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 2Y83.37%
EPS Next 3Y64.67%
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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UWM HOLDINGS CORP

NYSE:UWMC (2/2/2026, 8:04:00 PM)

After market: 5.2 +0.07 (+1.36%)

5.13

+0.22 (+4.48%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-06
Earnings (Next)02-24
Inst Owners62.64%
Inst Owner Change2.25%
Ins Owners6.77%
Ins Owner Change0.16%
Market Cap8.21B
Revenue(TTM)2.94B
Net Income(TTM)16.89M
Analysts72.5
Price Target6.73 (31.19%)
Short Float %17.81%
Short Ratio2.86
Dividend
Industry RankSector Rank
Dividend Yield 7.02%
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)-1.86%
PT rev (3m)-2.31%
EPS NQ rev (1m)3.1%
EPS NQ rev (3m)28.77%
EPS NY rev (1m)-1.17%
EPS NY rev (3m)-37.25%
Revenue NQ rev (1m)-0.54%
Revenue NQ rev (3m)11.72%
Revenue NY rev (1m)-5.02%
Revenue NY rev (3m)0.11%
Valuation
Industry RankSector Rank
PE 102.6
Fwd PE 10.9
P/S 2.8
P/FCF N/A
P/OCF N/A
P/B 46.19
P/tB N/A
EV/EBITDA 14.85
EPS(TTM)0.05
EY0.97%
EPS(NY)0.47
Fwd EY9.18%
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 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 0.75
F-Score4
WACC7.49%
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-8.02%
EPS Next 2Y83.37%
EPS Next 3Y64.67%
EPS Next 5YN/A
Revenue 1Y (TTM)18.7%
Revenue growth 3Y-9.08%
Revenue growth 5Y15.91%
Sales Q2Q%60.18%
Revenue Next Year22.07%
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 3Y24.18%
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 -8.02% 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%.