UWM HOLDINGS CORP (UWMC) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:UWMC - US91823B1098 - Common Stock
5.8 USD
+0.01 (+0.17%)
5.81 USD
+0.01 (+0.17%)
Taking everything into account, UWMC scores 4 out of 10 in our fundamental rating. UWMC was compared to 97 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 expensively, but it does show have an excellent growth rating.
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.
1.2 Ratios
- With a Return On Assets value of 0.10%, UWMC is not doing good in the industry: 71.13% of the companies in the same industry are doing better.
- UWMC has a Return On Equity of 9.50%. This is comparable to the rest of the industry: UWMC outperforms 52.58% of its industry peers.
- With a decent Return On Invested Capital value of 6.81%, UWMC is doing good in the industry, outperforming 71.13% 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 8.44%.
| Industry Rank | Sector 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%
1.3 Margins
- UWMC has a worse Profit Margin (0.58%) than 71.13% of its industry peers.
- In the last couple of years the Profit Margin of UWMC has declined.
- The Operating Margin of UWMC (47.12%) is better than 85.57% of its industry peers.
- UWMC's Operating Margin has improved in the last couple of years.
- UWMC's Gross Margin of 88.49% is amongst the best of the industry. UWMC outperforms 91.75% of its industry peers.
- UWMC's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector 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%
2. Health
2.1 Basic Checks
- The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so UWMC is destroying value.
- Compared to 1 year ago, UWMC has about the same amount of shares outstanding.
- Compared to 5 years ago, UWMC has less shares outstanding
- The debt/assets ratio for UWMC is higher compared to a year ago.
2.2 Solvency
- Based on the Altman-Z score of 0.80, we must say that UWMC is in the distress zone and has some risk of bankruptcy.
- The Altman-Z score of UWMC (0.80) is comparable to the rest of the industry.
- A Debt/Equity ratio of 81.18 is on the high side and indicates that UWMC has dependencies on debt financing.
- UWMC has a Debt to Equity ratio of 81.18. This is amonst the worse of the industry: UWMC underperforms 92.78% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 81.18 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.8 |
ROIC/WACC0.91
WACC7.46%
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 60.82% of its industry peers.
- A Quick Ratio of 1.23 indicates that UWMC should not have too much problems paying its short term obligations.
- UWMC has a Quick ratio of 1.23. This is in the better half of the industry: UWMC outperforms 62.89% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.23 | ||
| Quick Ratio | 1.23 |
3. Growth
3.1 Past
- UWMC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 155.56%, which is quite impressive.
- UWMC shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -49.74% yearly.
- UWMC shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 18.70%.
- Measured over the past years, UWMC shows a quite strong growth in Revenue. The Revenue has been growing by 15.91% on average per year.
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
- UWMC is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 63.51% yearly.
- UWMC is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 21.60% yearly.
EPS Next Y-6.93%
EPS Next 2Y82.41%
EPS Next 3Y63.51%
EPS Next 5YN/A
Revenue Next Year22.07%
Revenue Next 2Y25.27%
Revenue Next 3Y20.55%
Revenue Next 5Y21.6%
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.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 116.00 indicates a quite expensive valuation of UWMC.
- Compared to the rest of the industry, the Price/Earnings ratio of UWMC indicates a slightly more expensive valuation: UWMC is more expensive than 77.32% of the companies listed in the same industry.
- When comparing the Price/Earnings ratio of UWMC to the average of the S&P500 Index (27.32), we can say UWMC is valued expensively.
- A Price/Forward Earnings ratio of 12.45 indicates a correct valuation of UWMC.
- UWMC's Price/Forward Earnings ratio is in line with the industry average.
- UWMC is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 24.32, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 116 | ||
| Fwd PE | 12.45 |
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 Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 15.83 |
4.3 Compensation for Growth
- A more expensive valuation may be justified as UWMC's earnings are expected to grow with 63.51% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y82.41%
EPS Next 3Y63.51%
5. Dividend
5.1 Amount
- UWMC has a Yearly Dividend Yield of 6.56%, which is a nice return.
- Compared to an average industry Dividend Yield of 2.24, UWMC pays a better dividend. On top of this UWMC pays more dividend than 89.69% of the companies listed in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.83, UWMC pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.56% |
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
5.3 Sustainability
- UWMC pays out 393.69% of its income as dividend. This is not a sustainable payout ratio.
DP393.69%
EPS Next 2Y82.41%
EPS Next 3Y63.51%
5.8
+0.01 (+0.17%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-06 2025-11-06/bmo
Earnings (Next)02-24 2026-02-24/bmo
Inst Owners62.64%
Inst Owner Change0.18%
Ins Owners6.77%
Ins Owner Change0.16%
Market Cap9.28B
Revenue(TTM)2.94B
Net Income(TTM)16.89M
Analysts72.5
Price Target6.73 (16.03%)
Short Float %17.81%
Short Ratio2.86
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.56% |
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)-5.8%
PT rev (3m)11.89%
EPS NQ rev (1m)-0.2%
EPS NQ rev (3m)23.92%
EPS NY rev (1m)-22.81%
EPS NY rev (3m)-44.46%
Revenue NQ rev (1m)-3.19%
Revenue NQ rev (3m)12.32%
Revenue NY rev (1m)-5.02%
Revenue NY rev (3m)0.11%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 116 | ||
| Fwd PE | 12.45 | ||
| P/S | 3.16 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 52.23 | ||
| P/tB | N/A | ||
| EV/EBITDA | 15.83 |
EPS(TTM)0.05
EY0.86%
EPS(NY)0.47
Fwd EY8.03%
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 Rank | Sector 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 Rank | Sector 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 | 0.8 |
F-Score4
WACC7.46%
ROIC/WACC0.91
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-6.93%
EPS Next 2Y82.41%
EPS Next 3Y63.51%
EPS Next 5YN/A
Revenue 1Y (TTM)18.7%
Revenue growth 3Y-9.08%
Revenue growth 5Y15.91%
Sales Q2Q%60.18%
Revenue Next Year22.07%
Revenue Next 2Y25.27%
Revenue Next 3Y20.55%
Revenue Next 5Y21.6%
EBIT growth 1Y11.66%
EBIT growth 3Y-18.51%
EBIT growth 5Y18.21%
EBIT Next Year-29.11%
EBIT Next 3Y22.68%
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 2 / 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 -6.93% 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%.