UWM HOLDINGS CORP (UWMC) Stock Fundamental Analysis

NYSE:UWMC • US91823B1098

4.465 USD
-0.16 (-3.35%)
Last: Feb 23, 2026, 10:10 AM
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 98 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.


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.
  • UWMC had positive earnings in 4 of the past 5 years.
  • In multiple years UWMC reported negative operating cash flow during the last 5 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

  • UWMC has a Return On Assets of 0.10%. This is in the lower half of the industry: UWMC underperforms 69.39% of its industry peers.
  • UWMC has a Return On Equity (9.50%) which is in line with its industry peers.
  • Looking at the Return On Invested Capital, with a value of 6.81%, UWMC is in the better half of the industry, outperforming 70.41% 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 8.42%.
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 68.37% 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 85.71% of the companies in the same industry.
  • 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 92.86% of its industry peers.
  • UWMC's Gross Margin has been stable in the last couple of years.
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

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), UWMC is destroying value.
  • The number of shares outstanding for UWMC remains at a similar level compared to 1 year ago.
  • The number of shares outstanding for UWMC has been reduced compared to 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 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 57.14% of the companies in the same industry.
  • UWMC has a Debt/Equity ratio of 81.18. This is a high value indicating a heavy dependency on external financing.
  • With a Debt to Equity ratio value of 81.18, UWMC is not doing good in the industry: 90.82% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 81.18
Debt/FCF N/A
Altman-Z 0.74
ROIC/WACC0.93
WACC7.36%
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

  • 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 better Current ratio (1.23) than 60.20% 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 62.24% 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

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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.
  • 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

  • The Earnings Per Share is expected to grow by 64.67% on average over the next years. This is a very strong growth
  • 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 Year15.62%
Revenue Next 2Y23.1%
Revenue Next 3Y19.58%
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.
  • 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

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3

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 89.30, 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 76.53% of the companies in the same industry.
  • UWMC is valuated expensively when we compare the Price/Earnings ratio to 26.99, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 9.49, the valuation of UWMC can be described as very reasonable.
  • 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 28.02, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 89.3
Fwd PE 9.49
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 14.53
UWMC Per share dataUWMC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 1 -1 -2

4.3 Compensation for Growth

  • A more expensive valuation may be justified as UWMC's earnings are expected to grow with 64.67% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y83.37%
EPS Next 3Y64.67%

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

5

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 8.33%, UWMC is a good candidate for dividend investing.
  • UWMC's Dividend Yield is rather good when compared to the industry average which is at 2.16. UWMC pays more dividend than 93.88% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.81, UWMC pays a better dividend.
Industry RankSector Rank
Dividend Yield 8.33%

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

  • UWMC pays out 393.69% of its income as dividend. 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

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UWM HOLDINGS CORP

NYSE:UWMC (2/23/2026, 10:10:04 AM)

4.465

-0.16 (-3.35%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-06
Earnings (Next)02-25
Inst Owners62.64%
Inst Owner Change23.1%
Ins Owners6.77%
Ins Owner Change0.16%
Market Cap7.14B
Revenue(TTM)2.94B
Net Income(TTM)16.89M
Analysts72.5
Price Target6.73 (50.73%)
Short Float %22.21%
Short Ratio3.03
Dividend
Industry RankSector Rank
Dividend Yield 8.33%
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)0%
PT rev (3m)-5.8%
EPS NQ rev (1m)1.3%
EPS NQ rev (3m)-3.15%
EPS NY rev (1m)0%
EPS NY rev (3m)-26.26%
Revenue NQ rev (1m)-4.76%
Revenue NQ rev (3m)-0.37%
Revenue NY rev (1m)-5.29%
Revenue NY rev (3m)-5.18%
Valuation
Industry RankSector Rank
PE 89.3
Fwd PE 9.49
P/S 2.43
P/FCF N/A
P/OCF N/A
P/B 40.21
P/tB N/A
EV/EBITDA 14.53
EPS(TTM)0.05
EY1.12%
EPS(NY)0.47
Fwd EY10.54%
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
WACC7.36%
ROIC/WACC0.93
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 Year15.62%
Revenue Next 2Y23.1%
Revenue Next 3Y19.58%
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%.