UWM HOLDINGS CORP (UWMC) Fundamental Analysis & Valuation

NYSE:UWMC • US91823B1098

Current stock price

3.78 USD
+0.11 (+3%)
At close:
3.77 USD
-0.01 (-0.26%)
After Hours:

This UWMC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. UWMC Profitability Analysis

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

  • The Return On Assets of UWMC (0.16%) is worse than 68.69% of its industry peers.
  • UWMC's Return On Equity of 13.72% is fine compared to the rest of the industry. UWMC outperforms 68.69% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 7.62%, UWMC is in the better half of the industry, outperforming 72.73% 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 8.00%.
  • The 3 year average ROIC (7.51%) for UWMC is below the current ROIC(7.62%), indicating increased profibility in the last year.
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 69.70% 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 86.87% of its industry peers.
  • UWMC's Operating Margin has declined in the last couple of years.
  • UWMC has a better Gross Margin (88.79%) than 91.92% of its industry peers.
  • In the last couple of years the Gross Margin of UWMC has declined.
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

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. UWMC Health Analysis

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.
  • UWMC has about the same amout of shares outstanding than it did 1 year ago.
  • UWMC has more shares outstanding than it did 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

  • UWMC has an Altman-Z score of 0.70. This is a bad value and indicates that UWMC is not financially healthy and even has some risk of bankruptcy.
  • UWMC has a Altman-Z score (0.70) which is in line with its industry peers.
  • A Debt/Equity ratio of 71.87 is on the high side and indicates that UWMC has dependencies on debt financing.
  • UWMC has a worse Debt to Equity ratio (71.87) than 90.91% of its industry peers.
Industry RankSector Rank
Debt/Equity 71.87
Debt/FCF N/A
Altman-Z 0.7
ROIC/WACC1.28
WACC5.93%
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.
  • The Current ratio of UWMC (0.81) is comparable to the rest of the industry.
  • 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 47.47% 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

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

5

3. UWMC Growth Analysis

3.1 Past

  • The earnings per share for UWMC have decreased by -7.14% in the last year.
  • UWMC shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -80.19% yearly.
  • Looking at the last year, UWMC shows a quite strong growth in Revenue. The Revenue has grown by 18.19% in the last year.
  • The Revenue has been decreasing by -8.54% on average over the past years.
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%35.49%

3.2 Future

  • The Earnings Per Share is expected to grow by 82.39% on average over the next years. This is a very strong growth
  • The Revenue is expected to grow by 20.32% on average over the next years. This is a very strong growth
EPS Next Y234.44%
EPS Next 2Y107.45%
EPS Next 3Y82.39%
EPS Next 5YN/A
Revenue Next Year27.56%
Revenue Next 2Y21.95%
Revenue Next 3Y20.32%
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 2028 0 0.5 1 1.5

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5

4. UWMC Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 29.08 indicates a quite expensive valuation of UWMC.
  • 63.64% of the companies in the same industry are cheaper than UWMC, based on the Price/Earnings ratio.
  • The average S&P500 Price/Earnings ratio is at 27.42. UWMC is around the same levels.
  • The Price/Forward Earnings ratio is 8.69, which indicates a very decent valuation of UWMC.
  • Based on the Price/Forward Earnings ratio, UWMC is valued a bit cheaper than 69.70% of the companies in the same industry.
  • UWMC is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.24, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 29.08
Fwd PE 8.69
UWMC Price Earnings VS Forward Price EarningsUWMC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of UWMC indicates a somewhat cheap valuation: UWMC is cheaper than 62.63% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 12.3
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 82.39% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.12
PEG (5Y)N/A
EPS Next 2Y107.45%
EPS Next 3Y82.39%

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

5

5. UWMC Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 10.67%, UWMC is a good candidate for dividend investing.
  • The stock price of UWMC dropped by -34.72% 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 1.82. UWMC pays more dividend than 98.99% of the companies in the same industry.
  • UWMC's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 10.67%

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 Years4
UWMC Yearly Dividends per shareUWMC Yearly Dividends per shareYearly Dividends per share 2021 2022 2023 2024 2025 2026 0 0 0 0 0

5.3 Sustainability

  • 287.06% of the earnings are spent on dividend by UWMC. This is not a sustainable payout ratio.
DP287.06%
EPS Next 2Y107.45%
EPS Next 3Y82.39%
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

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UWMC Fundamentals: All Metrics, Ratios and Statistics

UWM HOLDINGS CORP

NYSE:UWMC (4/24/2026, 8:12:51 PM)

After market: 3.77 -0.01 (-0.26%)

3.78

+0.11 (+3%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-25
Earnings (Next)05-12
Inst Owners72.51%
Inst Owner Change-0.03%
Ins Owners8.62%
Ins Owner Change13.07%
Market Cap6.05B
Revenue(TTM)3.16B
Net Income(TTM)27.38M
Analysts75
Price Target6.73 (78.04%)
Short Float %16.52%
Short Ratio2.15
Dividend
Industry RankSector Rank
Dividend Yield 10.67%
Yearly Dividend0.05
Dividend Growth(5Y)N/A
DP287.06%
Div Incr Years0
Div Non Decr Years4
Ex-Date03-19
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)1
Avg Revenue beat(2)6.91%
Min Revenue beat(2)-3.85%
Max Revenue beat(2)17.68%
Revenue beat(4)3
Avg Revenue beat(4)7.12%
Min Revenue beat(4)-3.85%
Max Revenue beat(4)17.68%
Revenue beat(8)4
Avg Revenue beat(8)2.24%
Revenue beat(12)6
Avg Revenue beat(12)-10.55%
Revenue beat(16)10
Avg Revenue beat(16)0.78%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)9.17%
EPS NQ rev (3m)-21.9%
EPS NY rev (1m)-2.26%
EPS NY rev (3m)-6.67%
Revenue NQ rev (1m)-6.47%
Revenue NQ rev (3m)-10.2%
Revenue NY rev (1m)-5.69%
Revenue NY rev (3m)-6.01%
Valuation
Industry RankSector Rank
PE 29.08
Fwd PE 8.69
P/S 1.91
P/FCF N/A
P/OCF N/A
P/B 30.31
P/tB N/A
EV/EBITDA 12.3
EPS(TTM)0.13
EY3.44%
EPS(NY)0.43
Fwd EY11.5%
FCF(TTM)-1.7
FCFYN/A
OCF(TTM)-1.65
OCFYN/A
SpS1.98
BVpS0.12
TBVpS-2.42
PEG (NY)0.12
PEG (5Y)N/A
Graham Number0.603948 (-84.02%)
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 0.7
F-Score4
WACC5.93%
ROIC/WACC1.28
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 Y234.44%
EPS Next 2Y107.45%
EPS Next 3Y82.39%
EPS Next 5YN/A
Revenue 1Y (TTM)18.19%
Revenue growth 3Y14.81%
Revenue growth 5Y-8.54%
Sales Q2Q%35.49%
Revenue Next Year27.56%
Revenue Next 2Y21.95%
Revenue Next 3Y20.32%
Revenue Next 5YN/A
EBIT growth 1Y15.1%
EBIT growth 3Y17.18%
EBIT growth 5Y-15.4%
EBIT Next Year29.19%
EBIT Next 3Y25.1%
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 Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for UWM HOLDINGS CORP?

ChartMill assigns a fundamental rating of 4 / 10 to UWMC.


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

ChartMill assigns a valuation rating of 5 / 10 to UWM HOLDINGS CORP (UWMC). This can be considered as Fairly Valued.


Can you provide the profitability details for UWM HOLDINGS CORP?

UWM HOLDINGS CORP (UWMC) has a profitability rating of 4 / 10.


Can you provide the PE and PB ratios for UWMC stock?

The Price/Earnings (PE) ratio for UWM HOLDINGS CORP (UWMC) is 29.08 and the Price/Book (PB) ratio is 30.31.


What is the expected EPS growth for UWM HOLDINGS CORP (UWMC) stock?

The Earnings per Share (EPS) of UWM HOLDINGS CORP (UWMC) is expected to grow by 234.44% in the next year.