UWM HOLDINGS CORP (UWMC) Stock Fundamental Analysis

NYSE:UWMC • US91823B1098

4.33 USD
-0.08 (-1.81%)
At close: Mar 2, 2026
4.41 USD
+0.08 (+1.85%)
After Hours: 3/2/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to UWMC. UWMC was compared to 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 has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

4

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.
  • 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 2025 0 5B -5B -10B

1.2 Ratios

  • UWMC has a worse Return On Assets (0.16%) than 68.04% of its industry peers.
  • Looking at the Return On Equity, with a value of 13.72%, UWMC is in the better half of the industry, outperforming 73.20% of the companies in the same industry.
  • Looking at the Return On Invested Capital, with a value of 7.62%, UWMC is in the better half of the industry, outperforming 71.13% of the companies in the same industry.
  • UWMC had an Average Return On Invested Capital over the past 3 years of 7.51%. This is in line with the industry average of 8.42%.
  • The last Return On Invested Capital (7.62%) for UWMC is above the 3 year average (7.51%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 0.16%
ROE 13.72%
ROIC 7.62%
ROA(3y)0.05%
ROA(5y)0.18%
ROE(3y)3.63%
ROE(5y)21.83%
ROIC(3y)7.51%
ROIC(5y)7.51%
UWMC Yearly ROA, ROE, ROICUWMC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50 100

1.3 Margins

  • UWMC's Profit Margin of 0.87% is on the low side compared to the rest of the industry. UWMC is outperformed by 68.04% of its industry peers.
  • In the last couple of years the Profit Margin of UWMC has declined.
  • The Operating Margin of UWMC (48.69%) is better than 85.57% of its industry peers.
  • In the last couple of years the Operating Margin of UWMC has declined.
  • UWMC has a better Gross Margin (88.79%) than 92.78% of its industry peers.
  • UWMC's Gross Margin has declined in the last couple of years.
Industry RankSector Rank
OM 48.69%
PM (TTM) 0.87%
GM 88.79%
OM growth 3Y2.06%
OM growth 5Y-7.5%
PM growth 3Y-24.3%
PM growth 5Y-58.27%
GM growth 3Y0.4%
GM growth 5Y-1.85%
UWMC Yearly Profit, Operating, Gross MarginsUWMC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 40 60 80

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

1

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.
  • The number of shares outstanding for UWMC has been increased compared to 5 years ago.
  • Compared to 1 year ago, UWMC has a worse debt to assets ratio.
UWMC Yearly Shares OutstandingUWMC Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 5B 10B 15B 20B

2.2 Solvency

  • Based on the Altman-Z score of 0.74, we must say that UWMC is in the distress zone and has some risk of bankruptcy.
  • UWMC has a Altman-Z score of 0.74. This is comparable to the rest of the industry: UWMC outperforms 57.73% of its industry peers.
  • UWMC has a Debt/Equity ratio of 71.87. This is a high value indicating a heavy dependency on external financing.
  • The Debt to Equity ratio of UWMC (71.87) is worse than 90.72% of its industry peers.
Industry RankSector Rank
Debt/Equity 71.87
Debt/FCF N/A
Altman-Z 0.74
ROIC/WACC1.12
WACC6.81%
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 2025 0 5B -5B 10B -10B 15B

2.3 Liquidity

  • UWMC has a Current Ratio of 0.81. This is a bad value and indicates that UWMC is not financially healthy enough and could expect problems in meeting its short term obligations.
  • UWMC's Current ratio of 0.81 is in line compared to the rest of the industry. UWMC outperforms 45.36% of its industry peers.
  • UWMC has a Quick Ratio of 0.81. This is a bad value and indicates that UWMC is not financially healthy enough and could expect problems in meeting its short term obligations.
  • With a Quick ratio value of 0.81, UWMC perfoms like the industry average, outperforming 46.39% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.81
Quick Ratio 0.81
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 2025 500M 1B

More info and screens

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

5

3. Growth

3.1 Past

  • UWMC shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -7.14%.
  • Measured over the past years, UWMC shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -80.19% on average per year.
  • UWMC shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 18.19%.
  • Measured over the past years, UWMC shows a decrease in Revenue. The Revenue has been decreasing by -8.54% on average per year.
EPS 1Y (TTM)-7.14%
EPS 3Y-33.89%
EPS 5Y-80.19%
EPS Q2Q%-82.52%
Revenue 1Y (TTM)18.19%
Revenue growth 3Y14.81%
Revenue growth 5Y-8.54%
Sales Q2Q%68.73%

3.2 Future

  • UWMC is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 119.29% yearly.
  • UWMC is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 23.66% yearly.
EPS Next Y262.1%
EPS Next 2Y119.29%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year31.06%
Revenue Next 2Y21.61%
Revenue Next 3Y23.66%
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 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

4

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 33.31, the valuation of UWMC can be described as expensive.
  • UWMC's Price/Earnings ratio is a bit more expensive when compared to the industry. UWMC is more expensive than 70.10% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of UWMC to the average of the S&P500 Index (27.13), we can say UWMC is valued slightly more expensively.
  • The Price/Forward Earnings ratio is 9.20, which indicates a very decent valuation of UWMC.
  • UWMC's Price/Forward Earnings ratio is in line with the industry average.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.11, UWMC is valued rather cheaply.
Industry RankSector Rank
PE 33.31
Fwd PE 9.2
UWMC Price Earnings VS Forward Price EarningsUWMC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

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 13.05
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 low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • UWMC's earnings are expected to grow with 119.29% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.13
PEG (5Y)N/A
EPS Next 2Y119.29%
EPS Next 3YN/A

More info and screens

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

5

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 9.62%, UWMC is a good candidate for dividend investing.
  • The stock price of UWMC dropped by -24.43% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
  • UWMC's Dividend Yield is rather good when compared to the industry average which is at 2.34. UWMC pays more dividend than 94.85% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.82, UWMC pays a better dividend.
Industry RankSector Rank
Dividend Yield 9.62%

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 287.06% of its income as dividend. This is not a sustainable payout ratio.
DP287.06%
EPS Next 2Y119.29%
EPS Next 3YN/A
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 2025 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 (3/2/2026, 8:04:00 PM)

After market: 4.41 +0.08 (+1.85%)

4.33

-0.08 (-1.81%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-25
Earnings (Next)05-04
Inst Owners62.64%
Inst Owner Change23.3%
Ins Owners6.77%
Ins Owner Change0.16%
Market Cap6.93B
Revenue(TTM)3.16B
Net Income(TTM)27.38M
Analysts72.5
Price Target6.73 (55.43%)
Short Float %22.21%
Short Ratio3.03
Dividend
Industry RankSector Rank
Dividend Yield 9.62%
Yearly Dividend0.05
Dividend Growth(5Y)N/A
DP287.06%
Div Incr Years0
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-47.21%
Min EPS beat(2)-85.15%
Max EPS beat(2)-9.26%
EPS beat(4)1
Avg EPS beat(4)-65.07%
Min EPS beat(4)-319.9%
Max EPS beat(4)154.03%
EPS beat(8)2
Avg EPS beat(8)-56.35%
EPS beat(12)4
Avg EPS beat(12)-98.08%
EPS beat(16)7
Avg EPS beat(16)-29.75%
Revenue beat(2)2
Avg Revenue beat(2)18.71%
Min Revenue beat(2)17.68%
Max Revenue beat(2)19.73%
Revenue beat(4)4
Avg Revenue beat(4)13.01%
Min Revenue beat(4)6.71%
Max Revenue beat(4)19.73%
Revenue beat(8)5
Avg Revenue beat(8)5.19%
Revenue beat(12)7
Avg Revenue beat(12)-8.58%
Revenue beat(16)11
Avg Revenue beat(16)2.25%
PT rev (1m)0%
PT rev (3m)-5.8%
EPS NQ rev (1m)2.71%
EPS NQ rev (3m)3.38%
EPS NY rev (1m)0%
EPS NY rev (3m)2.44%
Revenue NQ rev (1m)-7.79%
Revenue NQ rev (3m)-13.44%
Revenue NY rev (1m)-3.43%
Revenue NY rev (3m)10.48%
Valuation
Industry RankSector Rank
PE 33.31
Fwd PE 9.2
P/S 2.19
P/FCF N/A
P/OCF N/A
P/B 34.72
P/tB N/A
EV/EBITDA 13.05
EPS(TTM)0.13
EY3%
EPS(NY)0.47
Fwd EY10.87%
FCF(TTM)-1.7
FCFYN/A
OCF(TTM)-1.65
OCFYN/A
SpS1.98
BVpS0.12
TBVpS-2.42
PEG (NY)0.13
PEG (5Y)N/A
Graham Number0.6
Profitability
Industry RankSector Rank
ROA 0.16%
ROE 13.72%
ROCE 9.7%
ROIC 7.62%
ROICexc 7.87%
ROICexgc 12.3%
OM 48.69%
PM (TTM) 0.87%
GM 88.79%
FCFM N/A
ROA(3y)0.05%
ROA(5y)0.18%
ROE(3y)3.63%
ROE(5y)21.83%
ROIC(3y)7.51%
ROIC(5y)7.51%
ROICexc(3y)7.8%
ROICexc(5y)7.82%
ROICexgc(3y)12.97%
ROICexgc(5y)12.15%
ROCE(3y)9.57%
ROCE(5y)9.57%
ROICexgc growth 3Y5.52%
ROICexgc growth 5Y-20.08%
ROICexc growth 3Y8.25%
ROICexc growth 5Y-23.55%
OM growth 3Y2.06%
OM growth 5Y-7.5%
PM growth 3Y-24.3%
PM growth 5Y-58.27%
GM growth 3Y0.4%
GM growth 5Y-1.85%
F-Score4
Asset Turnover0.19
Health
Industry RankSector Rank
Debt/Equity 71.87
Debt/FCF N/A
Debt/EBITDA 8.99
Cap/Depr 133.41%
Cap/Sales 2.34%
Interest Coverage 3.1
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.81
Quick Ratio 0.81
Altman-Z 0.74
F-Score4
WACC6.81%
ROIC/WACC1.12
Cap/Depr(3y)89.03%
Cap/Depr(5y)101.45%
Cap/Sales(3y)1.68%
Cap/Sales(5y)1.63%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-7.14%
EPS 3Y-33.89%
EPS 5Y-80.19%
EPS Q2Q%-82.52%
EPS Next Y262.1%
EPS Next 2Y119.29%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)18.19%
Revenue growth 3Y14.81%
Revenue growth 5Y-8.54%
Sales Q2Q%68.73%
Revenue Next Year31.06%
Revenue Next 2Y21.61%
Revenue Next 3Y23.66%
Revenue Next 5YN/A
EBIT growth 1Y15.1%
EBIT growth 3Y17.18%
EBIT growth 5Y-15.4%
EBIT Next Year29.8%
EBIT Next 3Y24%
EBIT Next 5YN/A
FCF growth 1Y56.67%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y57.58%
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 3 / 10 to UWMC.


What is the valuation status of UWM HOLDINGS CORP (UWMC) stock?

ChartMill assigns a valuation rating of 4 / 10 to UWM HOLDINGS CORP (UWMC). This can be considered as Fairly Valued.


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 grow by 262.1% 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 287.06%.