UWM HOLDINGS CORP (UWMC) Stock Fundamental Analysis
USA - NYSE:UWMC - US91823B1098 - Common Stock
5.605 USD
+0.02 (+0.27%)
We assign a fundamental rating of 4 out of 10 to UWMC. UWMC was compared to 99 industry peers in the Financial Services industry. There are concerns on the financial health of UWMC while its profitability can be described as average. While showing a medium growth rate, UWMC is valued expensive at the moment.
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.
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
The Return On Assets of UWMC (0.09%) is worse than 71.72% of its industry peers.
UWMC's Return On Equity of 6.73% is in line compared to the rest of the industry. UWMC outperforms 42.42% of its industry peers.
With a decent Return On Invested Capital value of 8.23%, UWMC is doing good in the industry, outperforming 76.77% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for UWMC is in line with the industry average of 7.80%.
The 3 year average ROIC (6.93%) for UWMC is below the current ROIC(8.23%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.09% | ||
| ROE | 6.73% | ||
| ROIC | 8.23% |
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
With a Profit Margin value of 0.42%, UWMC is not doing good in the industry: 70.71% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of UWMC has declined.
UWMC's Operating Margin of 47.61% is amongst the best of the industry. UWMC outperforms 86.87% of its industry peers.
In the last couple of years the Operating Margin of UWMC has grown nicely.
Looking at the Gross Margin, with a value of 88.61%, UWMC belongs to the top of the industry, outperforming 90.91% of the companies in the same industry.
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 | 47.61% | ||
| PM (TTM) | 0.42% | ||
| GM | 88.61% |
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 just above the Cost of Capital (WACC), which means it is creating some value.
The number of shares outstanding for UWMC remains at a similar level compared to 1 year ago.
UWMC has less shares outstanding than it did 5 years ago.
The debt/assets ratio for UWMC is higher compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 0.94, we must say that UWMC is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of UWMC (0.94) is comparable to the rest of the industry.
UWMC has a Debt/Equity ratio of 63.25. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of UWMC (63.25) is worse than 91.92% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 63.25 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.94 |
ROIC/WACC1.4
WACC5.9%
2.3 Liquidity
A Current Ratio of 1.08 indicates that UWMC should not have too much problems paying its short term obligations.
UWMC's Current ratio of 1.08 is in line compared to the rest of the industry. UWMC outperforms 50.51% of its industry peers.
UWMC has a Quick Ratio of 1.08. 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 Quick ratio value of 1.08, UWMC perfoms like the industry average, outperforming 50.51% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.08 | ||
| Quick Ratio | 1.08 |
3. Growth
3.1 Past
UWMC shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 0.00%.
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.
Looking at the last year, UWMC shows a very strong growth in Revenue. The Revenue has grown by 22.76%.
The Revenue has been growing by 15.91% on average over the past years. This is quite good.
EPS 1Y (TTM)0%
EPS 3Y-42.85%
EPS 5Y-49.74%
EPS Q2Q%300%
Revenue 1Y (TTM)22.76%
Revenue growth 3Y-9.08%
Revenue growth 5Y15.91%
Sales Q2Q%49.62%
3.2 Future
UWMC is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 64.05% yearly.
The Revenue is expected to grow by 16.78% on average over the next years. This is quite good.
EPS Next Y46.59%
EPS Next 2Y81.17%
EPS Next 3Y64.05%
EPS Next 5YN/A
Revenue Next Year21.94%
Revenue Next 2Y17.12%
Revenue Next 3Y16.78%
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.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 112.10, UWMC can be considered very expensive at the moment.
Compared to the rest of the industry, the Price/Earnings ratio of UWMC indicates a slightly more expensive valuation: UWMC is more expensive than 75.76% of the companies listed in the same industry.
UWMC is valuated expensively when we compare the Price/Earnings ratio to 26.19, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 12.20, which indicates a correct valuation of UWMC.
UWMC's Price/Forward Earnings ratio is in line with the industry average.
The average S&P500 Price/Forward Earnings ratio is at 22.50. UWMC is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 112.1 | ||
| Fwd PE | 12.2 |
4.2 Price Multiples
UWMC's Enterprise Value to EBITDA is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 13.91 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
UWMC's earnings are expected to grow with 64.05% in the coming years. This may justify a more expensive valuation.
PEG (NY)2.41
PEG (5Y)N/A
EPS Next 2Y81.17%
EPS Next 3Y64.05%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.83%, UWMC is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 5.08, UWMC pays a better dividend. On top of this UWMC pays more dividend than 88.89% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.33, UWMC pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.83% |
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
467.72% of the earnings are spent on dividend by UWMC. This is not a sustainable payout ratio.
DP467.72%
EPS Next 2Y81.17%
EPS Next 3Y64.05%
NYSE:UWMC (10/31/2025, 1:14:07 PM)
5.605
+0.02 (+0.27%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners59.43%
Inst Owner Change0.29%
Ins Owners9.35%
Ins Owner Change0.16%
Market Cap8.96B
Revenue(TTM)2.84B
Net Income(TTM)11.85M
Analysts73.33
Price Target6.01 (7.23%)
Short Float %19.86%
Short Ratio3.95
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.83% |
Yearly Dividend0.02
Dividend Growth(5Y)N/A
DP467.72%
Div Incr Years0
Div Non Decr Years3
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-82.94%
Min EPS beat(2)-319.9%
Max EPS beat(2)154.03%
EPS beat(4)1
Avg EPS beat(4)-88.26%
Min EPS beat(4)-319.9%
Max EPS beat(4)154.03%
EPS beat(8)3
Avg EPS beat(8)-108.74%
EPS beat(12)5
Avg EPS beat(12)-54.21%
EPS beat(16)8
Avg EPS beat(16)-23.15%
Revenue beat(2)2
Avg Revenue beat(2)7.32%
Min Revenue beat(2)6.71%
Max Revenue beat(2)7.92%
Revenue beat(4)2
Avg Revenue beat(4)-2.3%
Min Revenue beat(4)-12.14%
Max Revenue beat(4)7.92%
Revenue beat(8)4
Avg Revenue beat(8)-12.41%
Revenue beat(12)7
Avg Revenue beat(12)-4.09%
Revenue beat(16)11
Avg Revenue beat(16)3.25%
PT rev (1m)0%
PT rev (3m)-1.33%
EPS NQ rev (1m)4.05%
EPS NQ rev (3m)-17.45%
EPS NY rev (1m)-12.52%
EPS NY rev (3m)-6.56%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-5.05%
Revenue NY rev (1m)-7.65%
Revenue NY rev (3m)-6.07%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 112.1 | ||
| Fwd PE | 12.2 | ||
| P/S | 3.16 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 50.88 | ||
| P/tB | N/A | ||
| EV/EBITDA | 13.91 |
EPS(TTM)0.05
EY0.89%
EPS(NY)0.46
Fwd EY8.2%
FCF(TTM)-1.54
FCFYN/A
OCF(TTM)-1.5
OCFYN/A
SpS1.77
BVpS0.11
TBVpS-2.04
PEG (NY)2.41
PEG (5Y)N/A
Graham Number0.35
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.09% | ||
| ROE | 6.73% | ||
| ROCE | 10.49% | ||
| ROIC | 8.23% | ||
| ROICexc | 8.55% | ||
| ROICexgc | 12.98% | ||
| OM | 47.61% | ||
| PM (TTM) | 0.42% | ||
| GM | 88.61% | ||
| 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-Score3
Asset Turnover0.2
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 63.25 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 7.95 | ||
| Cap/Depr | 122.71% | ||
| Cap/Sales | 2.2% | ||
| Interest Coverage | 2.65 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.08 | ||
| Quick Ratio | 1.08 | ||
| Altman-Z | 0.94 |
F-Score3
WACC5.9%
ROIC/WACC1.4
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)0%
EPS 3Y-42.85%
EPS 5Y-49.74%
EPS Q2Q%300%
EPS Next Y46.59%
EPS Next 2Y81.17%
EPS Next 3Y64.05%
EPS Next 5YN/A
Revenue 1Y (TTM)22.76%
Revenue growth 3Y-9.08%
Revenue growth 5Y15.91%
Sales Q2Q%49.62%
Revenue Next Year21.94%
Revenue Next 2Y17.12%
Revenue Next 3Y16.78%
Revenue Next 5YN/A
EBIT growth 1Y17.61%
EBIT growth 3Y-18.51%
EBIT growth 5Y18.21%
EBIT Next Year-23.65%
EBIT Next 3Y18.59%
EBIT Next 5YN/A
FCF growth 1Y17.28%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y18.7%
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.
Can you provide the valuation status for UWM HOLDINGS CORP?
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 5 / 10.
Can you provide the financial health for UWMC stock?
The financial health rating of UWM HOLDINGS CORP (UWMC) is 3 / 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 46.59% in the next year.