UWM HOLDINGS CORP (UWMC) Stock Fundamental Analysis

NYSE:UWMC • US91823B1098

4.41 USD
-0.14 (-3.08%)
At close: Feb 27, 2026
4.4409 USD
+0.03 (+0.7%)
After Hours: 2/27/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Overall UWMC gets a fundamental rating of 4 out of 10. We evaluated UWMC against 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 has a decent growth rate and is not valued too expensively.


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.
  • In multiple years UWMC reported negative net income over the last 5 years.
  • 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: 69.39% of the companies in the same industry are doing better.
  • The Return On Equity of UWMC (9.50%) is comparable to the rest of the industry.
  • The Return On Invested Capital of UWMC (6.81%) is better than 70.41% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for UWMC is in line with the industry average of 8.40%.
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

  • UWMC's Profit Margin of 0.58% is on the low side compared to the rest of the industry. UWMC is outperformed by 68.37% of its industry peers.
  • In the last couple of years the Profit Margin of UWMC has declined.
  • UWMC has a better Operating Margin (47.12%) than 85.71% of its industry peers.
  • In the last couple of years the Operating Margin of UWMC has grown nicely.
  • The Gross Margin of UWMC (88.49%) is better than 92.86% 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

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3

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), UWMC is destroying value.
  • UWMC has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
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 0.73. 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 (0.73) is comparable to the rest of the industry.
  • UWMC has a Debt/Equity ratio of 81.18. This is a high value indicating a heavy dependency on external financing.
  • UWMC's Debt to Equity ratio of 81.18 is on the low side compared to the rest of the industry. UWMC is outperformed by 90.82% of its industry peers.
Industry RankSector Rank
Debt/Equity 81.18
Debt/FCF N/A
Altman-Z 0.73
ROIC/WACC0.93
WACC7.29%
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.
  • UWMC's Current ratio of 1.23 is fine compared to the rest of the industry. UWMC outperforms 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.
  • With a decent Quick ratio value of 1.23, UWMC is doing good in the industry, outperforming 62.24% of the companies in the same industry.
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

4

3. Growth

3.1 Past

  • The earnings per share for UWMC have decreased by -7.14% in the last year.
  • The earnings per share for UWMC have been decreasing by -33.89% on average. This is quite bad
EPS 1Y (TTM)-7.14%
EPS 3Y-33.89%
EPS 5YN/A
EPS Q2Q%N/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
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

  • 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.
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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Find the best growth stocksShow best growing peers

4

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 33.92, which means the current valuation is very expensive for UWMC.
  • 70.41% of the companies in the same industry are cheaper than UWMC, based on the Price/Earnings ratio.
  • UWMC's Price/Earnings ratio indicates a valuation a bit more expensive than the S&P500 average which is at 27.10.
  • Based on the Price/Forward Earnings ratio of 9.37, the valuation of UWMC can be described as reasonable.
  • UWMC's Price/Forward Earnings ratio is in line with the industry average.
  • UWMC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.06.
Industry RankSector Rank
PE 33.92
Fwd PE 9.37
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

  • The rest of the industry has a similar Enterprise Value to EBITDA ratio as UWMC.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 14.45
UWMC Per share dataUWMC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 1 -1 -2

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.
  • 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

  • UWMC has a Yearly Dividend Yield of 9.62%, which is a nice return.
  • The stock price of UWMC dropped by -24.62% 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.
  • Compared to an average industry Dividend Yield of 2.21, UWMC pays a better dividend. On top of this UWMC pays more dividend than 94.90% 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 1.80.
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 393.69% of its income as dividend. This is not a sustainable payout ratio.
DP393.69%
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 0 5B -5B -10B
UWMC Dividend Payout.UWMC Dividend Payout, showing the Payout Ratio.UWMC Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

UWM HOLDINGS CORP

NYSE:UWMC (2/27/2026, 8:04:00 PM)

After market: 4.4409 +0.03 (+0.7%)

4.41

-0.14 (-3.08%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-25
Earnings (Next)05-04
Inst Owners62.64%
Inst Owner Change23.1%
Ins Owners6.77%
Ins Owner Change0.16%
Market Cap7.06B
Revenue(TTM)N/A
Net Income(TTM)16.89M
Analysts72.5
Price Target6.73 (52.61%)
Short Float %22.21%
Short Ratio3.03
Dividend
Industry RankSector Rank
Dividend Yield 9.62%
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 33.92
Fwd PE 9.37
P/S 2.4
P/FCF N/A
P/OCF N/A
P/B 39.71
P/tB N/A
EV/EBITDA 14.45
EPS(TTM)0.13
EY2.95%
EPS(NY)0.47
Fwd EY10.67%
FCF(TTM)-2.1
FCFYN/A
OCF(TTM)-2.06
OCFYN/A
SpS1.84
BVpS0.11
TBVpS-1.96
PEG (NY)0.13
PEG (5Y)N/A
Graham Number0.57
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 0.73
F-Score4
WACC7.29%
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)-7.14%
EPS 3Y-33.89%
EPS 5YN/A
EPS Q2Q%N/A
EPS Next Y262.1%
EPS Next 2Y119.29%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%68.73%
Revenue Next Year31.06%
Revenue Next 2Y21.61%
Revenue Next 3Y23.66%
Revenue Next 5YN/A
EBIT growth 1Y11.66%
EBIT growth 3Y-18.51%
EBIT growth 5Y18.21%
EBIT Next Year-18.96%
EBIT Next 3Y23.33%
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 4 / 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 393.69%.