UWM HOLDINGS CORP (UWMC) Stock Fundamental Analysis

NYSE:UWMC • US91823B1098

4.89 USD
+0.19 (+4.04%)
At close: Feb 13, 2026
4.89 USD
0 (0%)
After Hours: 2/13/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to UWMC. UWMC was compared to 96 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 expensively, but it does show have an excellent growth rating.


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.
  • 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 0 5B -5B -10B

1.2 Ratios

  • With a Return On Assets value of 0.10%, UWMC is not doing good in the industry: 70.83% of the companies in the same industry are doing better.
  • UWMC has a Return On Equity (9.50%) which is comparable to the rest of the industry.
  • Looking at the Return On Invested Capital, with a value of 6.81%, UWMC is in the better half of the industry, outperforming 70.83% 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 8.59%.
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

  • Looking at the Profit Margin, with a value of 0.58%, UWMC is doing worse than 70.83% of the companies in the same industry.
  • UWMC's Profit Margin has declined in the last couple of years.
  • Looking at the Operating Margin, with a value of 47.12%, UWMC belongs to the top of the industry, outperforming 85.42% of the companies in the same industry.
  • UWMC's Operating Margin has improved in the last couple of years.
  • UWMC has a better Gross Margin (88.49%) than 92.71% 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 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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

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.
  • Compared to 1 year ago, UWMC has about the same amount of shares outstanding.
  • Compared to 5 years ago, UWMC has less shares outstanding
  • The debt/assets ratio for UWMC is higher compared to a year ago.
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 0.74. This is a bad value and indicates that UWMC is not financially healthy and even has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of 0.74, UWMC is in line with its industry, outperforming 57.29% of the companies in the same industry.
  • 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 91.67% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 81.18
Debt/FCF N/A
Altman-Z 0.74
ROIC/WACC0.89
WACC7.64%
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.
  • Looking at the Current ratio, with a value of 1.23, UWMC is in the better half of the industry, outperforming 60.42% of the companies in the same industry.
  • 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's Quick ratio of 1.23 is fine compared to the rest of the industry. UWMC outperforms 62.50% of its industry peers.
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

More info and screens

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

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.
  • Looking at the last year, UWMC shows a quite strong growth in Revenue. The Revenue has grown by 18.70% in the last year.
  • 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

  • Based on estimates for the next years, UWMC will show a very strong growth in Earnings Per Share. The EPS will grow by 64.67% on average per year.
  • 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 Year28.53%
Revenue Next 2Y25.3%
Revenue Next 3Y20.9%
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.
  • 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

More info and screens

Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 97.80, which means the current valuation is very expensive for UWMC.
  • UWMC's Price/Earnings ratio is a bit more expensive when compared to the industry. UWMC is more expensive than 76.04% of the companies in the same industry.
  • UWMC's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 27.97.
  • A Price/Forward Earnings ratio of 10.39 indicates a reasonable valuation of UWMC.
  • The rest of the industry has a similar Price/Forward Earnings ratio as UWMC.
  • The average S&P500 Price/Forward Earnings ratio is at 27.96. UWMC is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 97.8
Fwd PE 10.39
UWMC Price Earnings VS Forward Price EarningsUWMC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80

4.2 Price Multiples

  • The rest of the industry has a similar Enterprise Value to EBITDA ratio as UWMC.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 14.62
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%

More info and screens

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

5

5. Dividend

5.1 Amount

  • UWMC has a Yearly Dividend Yield of 7.77%, which is a nice return.
  • UWMC's Dividend Yield is rather good when compared to the industry average which is at 2.03. UWMC pays more dividend than 93.75% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.79, UWMC pays a better dividend.
Industry RankSector Rank
Dividend Yield 7.77%

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

More info and screens

Find the best dividend stocksShow peers with best dividend

UWM HOLDINGS CORP

NYSE:UWMC (2/13/2026, 8:04:00 PM)

After market: 4.89 0 (0%)

4.89

+0.19 (+4.04%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-06
Earnings (Next)03-04
Inst Owners62.64%
Inst Owner Change-0.39%
Ins Owners6.77%
Ins Owner Change0.16%
Market Cap7.82B
Revenue(TTM)2.94B
Net Income(TTM)16.89M
Analysts72.5
Price Target6.73 (37.63%)
Short Float %19.62%
Short Ratio2.86
Dividend
Industry RankSector Rank
Dividend Yield 7.77%
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)20.75%
EPS NY rev (1m)-1.17%
EPS NY rev (3m)-26.26%
Revenue NQ rev (1m)0.02%
Revenue NQ rev (3m)12.34%
Revenue NY rev (1m)0%
Revenue NY rev (3m)5.4%
Valuation
Industry RankSector Rank
PE 97.8
Fwd PE 10.39
P/S 2.66
P/FCF N/A
P/OCF N/A
P/B 44.03
P/tB N/A
EV/EBITDA 14.62
EPS(TTM)0.05
EY1.02%
EPS(NY)0.47
Fwd EY9.63%
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 0.74
F-Score4
WACC7.64%
ROIC/WACC0.89
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 Year28.53%
Revenue Next 2Y25.3%
Revenue Next 3Y20.9%
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%.