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UWM HOLDINGS CORP (UWMC) Stock Fundamental Analysis

NYSE:UWMC - New York Stock Exchange, Inc. - US91823B1098 - Common Stock

6.22  +0.08 (+1.3%)

Premarket: 6.1602 -0.06 (-0.96%)

Fundamental Rating

4

Taking everything into account, UWMC scores 4 out of 10 in our fundamental rating. UWMC was compared to 101 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 valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

In the past year UWMC has reported negative net income.
UWMC had a negative operating cash flow in the past year.
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 0 5B -5B -10B

1.2 Ratios

Looking at the Return On Assets, with a value of -0.14%, UWMC is doing worse than 73.27% of the companies in the same industry.
Looking at the Return On Equity, with a value of -18.09%, UWMC is doing worse than 87.13% of the companies in the same industry.
UWMC's Return On Invested Capital of 6.85% is fine compared to the rest of the industry. UWMC outperforms 77.23% of its industry peers.
UWMC had an Average Return On Invested Capital over the past 3 years of 7.60%. This is in line with the industry average of 7.84%.
Industry RankSector Rank
ROA -0.14%
ROE -18.09%
ROIC 6.85%
ROA(3y)0.21%
ROA(5y)7.26%
ROE(3y)28.83%
ROE(5y)58.36%
ROIC(3y)7.6%
ROIC(5y)11.34%
UWMC Yearly ROA, ROE, ROICUWMC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2017 2018 2019 2020 2021 2022 2023 0 50 100

1.3 Margins

Looking at the Operating Margin, with a value of 50.09%, UWMC belongs to the top of the industry, outperforming 89.11% of the companies in the same industry.
In the last couple of years the Operating Margin of UWMC has grown nicely.
UWMC's Gross Margin of 88.92% is amongst the best of the industry. UWMC outperforms 92.08% of its industry peers.
UWMC's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 50.09%
PM (TTM) N/A
GM 88.92%
OM growth 3Y-11%
OM growth 5Y11.19%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-2.95%
GM growth 5Y-0.79%
UWMC Yearly Profit, Operating, Gross MarginsUWMC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2017 2018 2019 2020 2021 2022 2023 0 20 40 60 80

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3

2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so UWMC is still creating some 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.
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 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 5B 10B 15B 20B

2.2 Solvency

UWMC has an Altman-Z score of 0.86. 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 (0.86) is comparable to the rest of the industry.
A Debt/Equity ratio of 100.62 is on the high side and indicates that UWMC has dependencies on debt financing.
With a Debt to Equity ratio value of 100.62, UWMC is not doing good in the industry: 96.04% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 100.62
Debt/FCF N/A
Altman-Z 0.86
ROIC/WACC0.98
WACC7%
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 0 5B -5B 10B -10B 15B

2.3 Liquidity

UWMC has a Current Ratio of 1.19. 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 (1.19) which is in line with its industry peers.
UWMC has a Quick Ratio of 1.19. This is a normal value and indicates that UWMC is financially healthy and should not expect problems in meeting its short term obligations.
Looking at the Quick ratio, with a value of 1.19, UWMC is in the better half of the industry, outperforming 60.40% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.19
Quick Ratio 1.19
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 500M 1B

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6

3. Growth

3.1 Past

The earnings per share for UWMC have decreased strongly by -156.25% in the last year.
Looking at the last year, UWMC shows a quite strong growth in Revenue. The Revenue has grown by 17.84% in the last year.
UWMC shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 29.56% yearly.
EPS 1Y (TTM)-156.25%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-93.33%
Revenue 1Y (TTM)17.84%
Revenue growth 3Y-24.03%
Revenue growth 5Y29.56%
Sales Q2Q%-22.25%

3.2 Future

UWMC is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 154.20% yearly.
UWMC is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 18.23% yearly.
EPS Next Y640.6%
EPS Next 2Y267.31%
EPS Next 3Y154.2%
EPS Next 5YN/A
Revenue Next Year22.37%
Revenue Next 2Y23.66%
Revenue Next 3Y21.5%
Revenue Next 5Y18.23%

3.3 Evolution

Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
UWMC Yearly Revenue VS EstimatesUWMC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1B 2B 3B 4B
UWMC Yearly EPS VS EstimatesUWMC Yearly EPS VS EstimatesYearly EPS VS Estimates 2017 2018 2019 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 negative for UWMC. In the last year negative earnings were reported.
Based on the Price/Forward Earnings ratio of 13.53, the valuation of UWMC can be described as correct.
The rest of the industry has a similar Price/Forward Earnings ratio as UWMC.
The average S&P500 Price/Forward Earnings ratio is at 24.44. UWMC is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE N/A
Fwd PE 13.53
UWMC Price Earnings VS Forward Price EarningsUWMC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 20 -20 -40 -60

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 RankSector Rank
P/FCF N/A
EV/EBITDA 16.48
UWMC Per share dataUWMC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 1 -1 -2 -3

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as UWMC's earnings are expected to grow with 154.20% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y267.31%
EPS Next 3Y154.2%

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5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 6.47%, UWMC is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.66, UWMC pays a better dividend. On top of this UWMC pays more dividend than 96.04% of the companies listed in the same industry.
UWMC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.28.
Industry RankSector Rank
Dividend Yield 6.47%

5.2 History

UWMC has paid a dividend for less than 5 years, so there is no long track record yet.
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 0 0 0 0 0

5.3 Sustainability

The earnings of UWMC are negative and hence is the payout ratio. UWMC will probably not be able to sustain this dividend level.
DP-174.42%
EPS Next 2Y267.31%
EPS Next 3Y154.2%
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 0 5B -5B -10B

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UWM HOLDINGS CORP

NYSE:UWMC (1/21/2025, 8:04:00 PM)

Premarket: 6.1602 -0.06 (-0.96%)

6.22

+0.08 (+1.3%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-07 2024-11-07/bmo
Earnings (Next)N/A N/A
Inst Owners59.45%
Inst Owner Change0.22%
Ins Owners1.39%
Ins Owner Change0.28%
Market Cap9.94B
Analysts56.47
Price Target7.45 (19.77%)
Short Float %14.13%
Short Ratio4.63
Dividend
Industry RankSector Rank
Dividend Yield 6.47%
Yearly Dividend0.02
Dividend Growth(5Y)N/A
DP-174.42%
Div Incr Years0
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-64.62%
Min EPS beat(2)-87.16%
Max EPS beat(2)-42.07%
EPS beat(4)1
Avg EPS beat(4)-183.46%
Min EPS beat(4)-643.35%
Max EPS beat(4)38.73%
EPS beat(8)3
Avg EPS beat(8)-130.89%
EPS beat(12)6
Avg EPS beat(12)-11.7%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-8.71%
Min Revenue beat(2)-11.7%
Max Revenue beat(2)-5.72%
Revenue beat(4)1
Avg Revenue beat(4)-32.55%
Min Revenue beat(4)-131.77%
Max Revenue beat(4)18.99%
Revenue beat(8)4
Avg Revenue beat(8)-11.05%
Revenue beat(12)8
Avg Revenue beat(12)0.98%
Revenue beat(16)11
Avg Revenue beat(16)5.19%
PT rev (1m)-4.26%
PT rev (3m)-9.38%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-2.18%
EPS NY rev (1m)0%
EPS NY rev (3m)-21.89%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.59%
Revenue NY rev (1m)1.36%
Revenue NY rev (3m)0.54%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 13.53
P/S 4.02
P/FCF N/A
P/OCF N/A
P/B 83.28
P/tB N/A
EV/EBITDA 16.48
EPS(TTM)-0.09
EYN/A
EPS(NY)0.46
Fwd EY7.39%
FCF(TTM)-3.8
FCFYN/A
OCF(TTM)-3.77
OCFYN/A
SpS1.55
BVpS0.07
TBVpS-1.68
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -0.14%
ROE -18.09%
ROCE 8.73%
ROIC 6.85%
ROICexc 7.17%
ROICexgc 9.55%
OM 50.09%
PM (TTM) N/A
GM 88.92%
FCFM N/A
ROA(3y)0.21%
ROA(5y)7.26%
ROE(3y)28.83%
ROE(5y)58.36%
ROIC(3y)7.6%
ROIC(5y)11.34%
ROICexc(3y)7.94%
ROICexc(5y)12.28%
ROICexgc(3y)12.44%
ROICexgc(5y)16.71%
ROCE(3y)9.69%
ROCE(5y)14.4%
ROICexcg growth 3Y-25.72%
ROICexcg growth 5Y21.78%
ROICexc growth 3Y-35.31%
ROICexc growth 5Y10.45%
OM growth 3Y-11%
OM growth 5Y11.19%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-2.95%
GM growth 5Y-0.79%
F-Score2
Asset Turnover0.16
Health
Industry RankSector Rank
Debt/Equity 100.62
Debt/FCF N/A
Debt/EBITDA 9.33
Cap/Depr 77.24%
Cap/Sales 1.52%
Interest Coverage 3.03
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.19
Quick Ratio 1.19
Altman-Z 0.86
F-Score2
WACC7%
ROIC/WACC0.98
Cap/Depr(3y)97.66%
Cap/Depr(5y)63.26%
Cap/Sales(3y)1.44%
Cap/Sales(5y)1.36%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-156.25%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-93.33%
EPS Next Y640.6%
EPS Next 2Y267.31%
EPS Next 3Y154.2%
EPS Next 5YN/A
Revenue 1Y (TTM)17.84%
Revenue growth 3Y-24.03%
Revenue growth 5Y29.56%
Sales Q2Q%-22.25%
Revenue Next Year22.37%
Revenue Next 2Y23.66%
Revenue Next 3Y21.5%
Revenue Next 5Y18.23%
EBIT growth 1Y18.24%
EBIT growth 3Y-32.38%
EBIT growth 5Y44.06%
EBIT Next Year-76.69%
EBIT Next 3Y-16.93%
EBIT Next 5Y-8.18%
FCF growth 1Y-232.55%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-230.76%
OCF growth 3Y43.09%
OCF growth 5YN/A