UWM HOLDINGS CORP (UWMC) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:UWMC - US91823B1098 - Common Stock
5.77 USD
-0.33 (-5.41%)
5.79 USD
+0.02 (+0.35%)
Taking everything into account, UWMC scores 4 out of 10 in our fundamental rating. UWMC was compared to 97 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 is valued quite expensive, but it does show an excellent growth.
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 71.13% 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 better Return On Invested Capital (6.81%) than 71.13% of its industry peers.
- The Average Return On Invested Capital over the past 3 years 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
- Looking at the Profit Margin, with a value of 0.58%, UWMC is doing worse than 71.13% 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 85.57% of its industry peers.
- In the last couple of years the Operating Margin of UWMC has grown nicely.
- The Gross Margin of UWMC (88.49%) is better than 91.75% 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
- The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so UWMC is destroying value.
- UWMC has about the same amout of shares outstanding than it did 1 year ago.
- UWMC has less shares outstanding than it did 5 years ago.
- Compared to 1 year ago, UWMC has a worse debt to assets ratio.
2.2 Solvency
- UWMC has an Altman-Z score of 0.80. This is a bad value and indicates that UWMC is not financially healthy and even has some risk of bankruptcy.
- UWMC's Altman-Z score of 0.80 is in line compared to the rest of the industry. UWMC outperforms 56.70% 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.
- The Debt to Equity ratio of UWMC (81.18) is worse than 92.78% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 81.18 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.8 |
ROIC/WACC0.91
WACC7.46%
2.3 Liquidity
- UWMC has a Current 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 Current ratio of 1.23. This is in the better half of the industry: UWMC outperforms 60.82% 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.
- 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 Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.23 | ||
| Quick Ratio | 1.23 |
3. Growth
3.1 Past
- UWMC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 155.56%, which is quite impressive.
- 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%.
- Measured over the past years, UWMC shows a quite strong growth in Revenue. The Revenue has been growing by 15.91% on average per year.
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.
- UWMC is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 21.60% yearly.
EPS Next Y-6.93%
EPS Next 2Y82.41%
EPS Next 3Y63.51%
EPS Next 5YN/A
Revenue Next Year22.07%
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.
- 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.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 115.40, which means the current valuation is very expensive for UWMC.
- Based on the Price/Earnings ratio, UWMC is valued a bit more expensive than 76.29% of the companies in the same industry.
- UWMC is valuated expensively when we compare the Price/Earnings ratio to 26.94, which is the current average of the S&P500 Index.
- With a Price/Forward Earnings ratio of 12.39, UWMC is valued correctly.
- UWMC's Price/Forward Earnings is on the same level as the industry average.
- UWMC's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 23.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 115.4 | ||
| Fwd PE | 12.39 |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of UWMC is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 15.81 |
4.3 Compensation for Growth
- UWMC's earnings are expected to grow with 63.51% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y82.41%
EPS Next 3Y63.51%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 6.56%, UWMC is a good candidate for dividend investing.
- UWMC's Dividend Yield is rather good when compared to the industry average which is at 2.24. UWMC pays more dividend than 89.69% of the companies in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.83, UWMC pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.56% |
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%
5.77
-0.33 (-5.41%)
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 Change0.18%
Ins Owners6.77%
Ins Owner Change0.16%
Market Cap9.23B
Revenue(TTM)2.94B
Net Income(TTM)16.89M
Analysts72.5
Price Target6.73 (16.64%)
Short Float %17.81%
Short Ratio2.86
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.56% |
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)-5.8%
PT rev (3m)11.89%
EPS NQ rev (1m)-0.2%
EPS NQ rev (3m)23.92%
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)-5.02%
Revenue NY rev (3m)0.11%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 115.4 | ||
| Fwd PE | 12.39 | ||
| P/S | 3.14 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 51.96 | ||
| P/tB | N/A | ||
| EV/EBITDA | 15.81 |
EPS(TTM)0.05
EY0.87%
EPS(NY)0.47
Fwd EY8.07%
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 | 0.8 |
F-Score4
WACC7.46%
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 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 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 4 / 10 to UWMC.
What is the valuation status of UWM HOLDINGS CORP (UWMC) stock?
ChartMill assigns a valuation rating of 2 / 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%.