UWM HOLDINGS CORP (UWMC) Fundamental Analysis & Valuation

NYSE:UWMC • US91823B1098

Current stock price

3.69 USD
+0.03 (+0.82%)
At close:
3.7009 USD
+0.01 (+0.3%)
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

  • In the past year UWMC was profitable.
  • UWMC had a negative operating cash flow in the past year.
  • 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's Return On Assets of 0.16% is on the low side compared to the rest of the industry. UWMC is outperformed by 70.41% of its industry peers.
  • UWMC has a Return On Equity of 13.72%. This is in the better half of the industry: UWMC outperforms 71.43% of its industry peers.
  • UWMC has a Return On Invested Capital of 7.62%. This is in the better half of the industry: UWMC outperforms 71.43% of its industry peers.
  • 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 8.22%.
  • 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 69.39% of its industry peers.
  • UWMC's Profit Margin has declined in the last couple of years.
  • Looking at the Operating Margin, with a value of 48.69%, 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 declined.
  • The Gross Margin of UWMC (88.79%) is better than 92.86% 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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1

2. UWMC Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so UWMC is still creating some value.
  • The number of shares outstanding for UWMC remains at a similar level compared to 1 year ago.
  • Compared to 5 years ago, UWMC has more shares outstanding
  • 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 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.
  • With a Altman-Z score value of 0.70, UWMC perfoms like the industry average, outperforming 54.08% of the companies in the same industry.
  • A Debt/Equity ratio of 71.87 is on the high side and indicates that UWMC has dependencies on debt financing.
  • UWMC's Debt to Equity ratio of 71.87 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 71.87
Debt/FCF N/A
Altman-Z 0.7
ROIC/WACC1.15
WACC6.63%
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

  • A Current Ratio of 0.81 indicates that UWMC may have some problems paying 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 45.92% 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.
  • 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%35.49%

3.2 Future

  • UWMC is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 82.92% yearly.
  • UWMC is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 20.32% yearly.
EPS Next Y242.18%
EPS Next 2Y111.05%
EPS Next 3Y82.92%
EPS Next 5YN/A
Revenue Next Year26.33%
Revenue Next 2Y20.05%
Revenue Next 3Y20.32%
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.
  • When comparing the Revenue 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 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 28.38 indicates a quite expensive valuation of UWMC.
  • UWMC's Price/Earnings ratio is a bit more expensive when compared to the industry. UWMC is more expensive than 70.41% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 25.79. UWMC is around the same levels.
  • Based on the Price/Forward Earnings ratio of 8.30, the valuation of UWMC can be described as reasonable.
  • 64.29% of the companies in the same industry are more expensive than UWMC, based on the Price/Forward Earnings ratio.
  • UWMC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.80.
Industry RankSector Rank
PE 28.38
Fwd PE 8.3
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 60.20% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 12.29
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 82.92% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.12
PEG (5Y)N/A
EPS Next 2Y111.05%
EPS Next 3Y82.92%

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

5

5. UWMC Dividend Analysis

5.1 Amount

  • UWMC has a Yearly Dividend Yield of 10.70%, which is a nice return.
  • In the last 3 months the price of UWMC has falen by -24.23%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
  • UWMC's Dividend Yield is rather good when compared to the industry average which is at 2.61. UWMC pays more dividend than 96.94% of the companies in the same industry.
  • UWMC's Dividend Yield is rather good when compared to the S&P500 average which is at 1.91.
Industry RankSector Rank
Dividend Yield 10.7%

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 2026 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 2Y111.05%
EPS Next 3Y82.92%
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 (3/18/2026, 8:04:00 PM)

After market: 3.7009 +0.01 (+0.3%)

3.69

+0.03 (+0.82%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-25
Earnings (Next)05-04
Inst Owners70.53%
Inst Owner Change23.28%
Ins Owners6.9%
Ins Owner Change13.07%
Market Cap5.90B
Revenue(TTM)3.16B
Net Income(TTM)27.38M
Analysts72.5
Price Target6.73 (82.38%)
Short Float %21.89%
Short Ratio2.82
Dividend
Industry RankSector Rank
Dividend Yield 10.7%
Yearly Dividend0.05
Dividend Growth(5Y)N/A
DP287.06%
Div Incr Years0
Div Non Decr Years3
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)-5.8%
EPS NQ rev (1m)-38.04%
EPS NQ rev (3m)-37.64%
EPS NY rev (1m)-5.5%
EPS NY rev (3m)-5.12%
Revenue NQ rev (1m)-8.93%
Revenue NQ rev (3m)-14.52%
Revenue NY rev (1m)-6.97%
Revenue NY rev (3m)-9.09%
Valuation
Industry RankSector Rank
PE 28.38
Fwd PE 8.3
P/S 1.87
P/FCF N/A
P/OCF N/A
P/B 29.59
P/tB N/A
EV/EBITDA 12.29
EPS(TTM)0.13
EY3.52%
EPS(NY)0.44
Fwd EY12.06%
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 Number0.6
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 0.7
F-Score4
WACC6.63%
ROIC/WACC1.15
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 Y242.18%
EPS Next 2Y111.05%
EPS Next 3Y82.92%
EPS Next 5YN/A
Revenue 1Y (TTM)18.19%
Revenue growth 3Y14.81%
Revenue growth 5Y-8.54%
Sales Q2Q%35.49%
Revenue Next Year26.33%
Revenue Next 2Y20.05%
Revenue Next 3Y20.32%
Revenue Next 5YN/A
EBIT growth 1Y15.1%
EBIT growth 3Y17.18%
EBIT growth 5Y-15.4%
EBIT Next Year26.13%
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.


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 242.18% 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%.