UWM HOLDINGS CORP (UWMC) Stock Fundamental Analysis
USA • New York Stock Exchange • NYSE:UWMC • US91823B1098
4.91 USD
-0.79 (-13.86%)
At close: Jan 30, 2026
4.9497 USD
+0.04 (+0.81%)
After Hours: 1/30/2026, 8:22:56 PM
Overall UWMC gets a fundamental rating of 5 out of 10. We evaluated UWMC against 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 is valued quite expensive, but it does show an excellent growth.
1. Profitability
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.
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.
- With a Return On Equity value of 9.50%, UWMC perfoms like the industry average, outperforming 52.58% of the companies in the same industry.
- With a decent Return On Invested Capital value of 6.81%, UWMC is doing good in the industry, outperforming 71.13% of the companies in the same industry.
- 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 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 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.
- The Operating Margin of UWMC (47.12%) is better than 85.57% of its industry peers.
- In the last couple of years the Operating Margin of UWMC has grown nicely.
- UWMC has a Gross Margin of 88.49%. This is amongst the best in the industry. UWMC outperforms 91.75% of its industry peers.
- In the last couple of years the Gross Margin of UWMC has remained more or less at the same level.
| 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.
- The number of shares outstanding for UWMC has been reduced compared to 5 years ago.
- The debt/assets ratio for UWMC is higher compared to a year ago.
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.
- The Altman-Z score of UWMC (0.75) is comparable to the rest of the industry.
- A Debt/Equity ratio of 81.18 is on the high side and indicates that UWMC has dependencies on debt financing.
- UWMC's Debt to Equity ratio of 81.18 is on the low side compared to the rest of the industry. UWMC is outperformed by 91.75% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 81.18 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.75 |
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 better Current ratio (1.23) than 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.
- UWMC has a Quick ratio of 1.23. This is in the better half of the industry: UWMC outperforms 62.89% of its industry peers.
| 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.
- The earnings per share for UWMC have been decreasing by -49.74% on average. This is quite bad
- UWMC shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 18.70%.
- The Revenue has been growing by 15.91% on average over the past years. This is quite good.
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.
- The Revenue is expected to grow by 21.60% on average over the next years. This is a very strong growth
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.
- 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
- Based on the Price/Earnings ratio of 98.20, the valuation of UWMC can be described as expensive.
- Compared to the rest of the industry, the Price/Earnings ratio of UWMC indicates a slightly more expensive valuation: UWMC is more expensive than 76.29% of the companies listed in the same industry.
- UWMC is valuated expensively when we compare the Price/Earnings ratio to 28.32, which is the current average of the S&P500 Index.
- The Price/Forward Earnings ratio is 10.43, which indicates a very decent valuation of UWMC.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of UWMC is on the same level as its industry peers.
- UWMC is valuated cheaply when we compare the Price/Forward Earnings ratio to 25.57, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 98.2 | ||
| Fwd PE | 10.43 |
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 | 14.85 |
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%
5. Dividend
5.1 Amount
- UWMC has a Yearly Dividend Yield of 7.02%, which is a nice return.
- UWMC's Dividend Yield is rather good when compared to the industry average which is at 1.98. UWMC pays more dividend than 94.85% 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 | 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
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%
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%.