UWM HOLDINGS CORP (UWMC) Stock Fundamental Analysis

NYSE:UWMC • US91823B1098

4.53 USD
-0.09 (-1.95%)
At close: Feb 23, 2026
4.6 USD
+0.07 (+1.55%)
After Hours: 2/23/2026, 8:20:10 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

Taking everything into account, UWMC scores 5 out of 10 in our fundamental rating. UWMC was compared to 98 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 is valued quite expensively, but it does show have an excellent growth rating.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • UWMC had positive earnings in the past year.
  • UWMC had a negative operating cash flow in the past year.
  • UWMC had positive earnings in 4 of the past 5 years.
  • 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 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.
  • UWMC's Return On Equity of 9.50% is in line compared to the rest of the industry. UWMC outperforms 54.08% of its industry peers.
  • UWMC has a Return On Invested Capital of 6.81%. This is in the better half of the industry: UWMC outperforms 70.41% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital 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

  • The Profit Margin of UWMC (0.58%) is worse than 68.37% of its industry peers.
  • In the last couple of years the Profit Margin of UWMC has declined.
  • Looking at the Operating Margin, with a value of 47.12%, UWMC belongs to the top of the industry, outperforming 85.71% of the companies in the same industry.
  • UWMC's Operating Margin has improved in the last couple of years.
  • 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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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), 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
  • 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 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 0.74. 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 (0.74) which 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 90.82% of its industry peers.
Industry RankSector Rank
Debt/Equity 81.18
Debt/FCF N/A
Altman-Z 0.74
ROIC/WACC0.93
WACC7.34%
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

  • 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.
  • Looking at the Current ratio, with a value of 1.23, UWMC is in the better half of the industry, outperforming 60.20% of the companies in the same industry.
  • A Quick Ratio of 1.23 indicates that UWMC should not have too much problems paying 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

8

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 155.56% over the past year.
  • Measured over the past years, UWMC shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -49.74% on average per year.
  • UWMC shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 18.70%.
  • The Revenue has been growing by 15.91% on average over the past years. This is quite good.
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

  • The Earnings Per Share is expected to grow by 64.67% on average over the next years. This is a very strong growth
  • Based on estimates for the next years, UWMC will show a very strong growth in Revenue. The Revenue will grow by 21.60% on average per year.
EPS Next Y-8.02%
EPS Next 2Y83.37%
EPS Next 3Y64.67%
EPS Next 5YN/A
Revenue Next Year15.62%
Revenue Next 2Y23.1%
Revenue Next 3Y19.58%
Revenue Next 5Y21.6%

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 0 0.5 1 1.5

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Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 90.60 indicates a quite expensive valuation of UWMC.
  • 76.53% of the companies in the same industry are cheaper than UWMC, based on the Price/Earnings ratio.
  • Compared to an average S&P500 Price/Earnings ratio of 26.64, UWMC is valued quite expensively.
  • With a Price/Forward Earnings ratio of 9.62, the valuation of UWMC can be described as very reasonable.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of UWMC is on the same level as its industry peers.
  • When comparing the Price/Forward Earnings ratio of UWMC to the average of the S&P500 Index (27.75), we can say UWMC is valued rather cheaply.
Industry RankSector Rank
PE 90.6
Fwd PE 9.62
UWMC Price Earnings VS Forward Price EarningsUWMC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80

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 14.53
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 earnings are expected to grow with 64.67% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y83.37%
EPS Next 3Y64.67%

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 8.33%, UWMC is a good candidate for dividend investing.
  • In the last 3 months the price of UWMC has falen by -22.56%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
  • Compared to an average industry Dividend Yield of 2.17, UWMC pays a better dividend. On top of this UWMC pays more dividend than 93.88% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.80, UWMC pays a better dividend.
Industry RankSector Rank
Dividend Yield 8.33%

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 2Y83.37%
EPS Next 3Y64.67%
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

More info and screens

Find the best dividend stocksShow peers with best dividend

UWM HOLDINGS CORP

NYSE:UWMC (2/23/2026, 8:20:10 PM)

After market: 4.6 +0.07 (+1.55%)

4.53

-0.09 (-1.95%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-06
Earnings (Next)02-25
Inst Owners62.64%
Inst Owner Change23.1%
Ins Owners6.77%
Ins Owner Change0.16%
Market Cap7.25B
Revenue(TTM)2.94B
Net Income(TTM)16.89M
Analysts72.5
Price Target6.73 (48.57%)
Short Float %22.21%
Short Ratio3.03
Dividend
Industry RankSector Rank
Dividend Yield 8.33%
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 90.6
Fwd PE 9.62
P/S 2.47
P/FCF N/A
P/OCF N/A
P/B 40.79
P/tB N/A
EV/EBITDA 14.53
EPS(TTM)0.05
EY1.1%
EPS(NY)0.47
Fwd EY10.39%
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 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 0.74
F-Score4
WACC7.34%
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)155.56%
EPS 3Y-42.85%
EPS 5Y-49.74%
EPS Q2Q%0%
EPS Next Y-8.02%
EPS Next 2Y83.37%
EPS Next 3Y64.67%
EPS Next 5YN/A
Revenue 1Y (TTM)18.7%
Revenue growth 3Y-9.08%
Revenue growth 5Y15.91%
Sales Q2Q%60.18%
Revenue Next Year15.62%
Revenue Next 2Y23.1%
Revenue Next 3Y19.58%
Revenue Next 5Y21.6%
EBIT growth 1Y11.66%
EBIT growth 3Y-18.51%
EBIT growth 5Y18.21%
EBIT Next Year-29.11%
EBIT Next 3Y24.18%
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 5 / 10 to UWMC.


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

ChartMill assigns a valuation rating of 3 / 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 -8.02% 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%.