UWM HOLDINGS CORP (UWMC) Stock Fundamental Analysis
USA - NYSE:UWMC - US91823B1098 - Common Stock
5.37 USD
-0.07 (-1.29%)
UWMC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 99 industry peers in the Financial Services industry. UWMC has a medium profitability rating, but doesn't score so well on its financial health evaluation. While showing a medium growth rate, UWMC is valued expensive at the moment.
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
The Return On Assets of UWMC (0.09%) is worse than 71.72% of its industry peers.
The Return On Equity of UWMC (6.73%) is comparable to the rest of the industry.
The Return On Invested Capital of UWMC (8.23%) is better than 77.78% of its industry peers.
UWMC had an Average Return On Invested Capital over the past 3 years of 6.93%. This is in line with the industry average of 7.72%.
The last Return On Invested Capital (8.23%) for UWMC is above the 3 year average (6.93%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.09% | ||
| ROE | 6.73% | ||
| ROIC | 8.23% |
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 (0.42%) than 70.71% of its industry peers.
In the last couple of years the Profit Margin of UWMC has declined.
UWMC has a better Operating Margin (47.61%) than 85.86% of its industry peers.
In the last couple of years the Operating Margin of UWMC has grown nicely.
The Gross Margin of UWMC (88.61%) is better than 90.91% of its industry peers.
UWMC's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 47.61% | ||
| PM (TTM) | 0.42% | ||
| GM | 88.61% |
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 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.
UWMC has less shares outstanding than it did 5 years ago.
The debt/assets ratio for UWMC is higher compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 0.93, we must say that UWMC is in the distress zone and has some risk of bankruptcy.
UWMC's Altman-Z score of 0.93 is in line compared to the rest of the industry. UWMC outperforms 59.60% of its industry peers.
UWMC has a Debt/Equity ratio of 63.25. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 63.25, UWMC is not doing good in the industry: 91.92% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 63.25 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.93 |
ROIC/WACC1.41
WACC5.85%
2.3 Liquidity
A Current Ratio of 1.08 indicates that UWMC should not have too much problems paying its short term obligations.
With a Current ratio value of 1.08, UWMC perfoms like the industry average, outperforming 50.51% of the companies in the same industry.
A Quick Ratio of 1.08 indicates that UWMC should not have too much problems paying its short term obligations.
Looking at the Quick ratio, with a value of 1.08, UWMC is in line with its industry, outperforming 50.51% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.08 | ||
| Quick Ratio | 1.08 |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 0.00% over the past year.
The earnings per share for UWMC have been decreasing by -49.74% on average. This is quite bad
The Revenue has grown by 22.76% in the past year. This is a very strong growth!
UWMC shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 15.91% yearly.
EPS 1Y (TTM)0%
EPS 3Y-42.85%
EPS 5Y-49.74%
EPS Q2Q%300%
Revenue 1Y (TTM)22.76%
Revenue growth 3Y-9.08%
Revenue growth 5Y15.91%
Sales Q2Q%49.62%
3.2 Future
UWMC is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 60.27% yearly.
The Revenue is expected to grow by 16.78% on average over the next years. This is quite good.
EPS Next Y67.57%
EPS Next 2Y71.07%
EPS Next 3Y60.27%
EPS Next 5YN/A
Revenue Next Year21.94%
Revenue Next 2Y19.89%
Revenue Next 3Y16.78%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 107.40 indicates a quite expensive valuation of UWMC.
Based on the Price/Earnings ratio, UWMC is valued a bit more expensive than 76.77% of the companies in the same industry.
UWMC's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 27.49.
Based on the Price/Forward Earnings ratio of 13.11, the valuation of UWMC can be described as correct.
The rest of the industry has a similar Price/Forward Earnings ratio as UWMC.
When comparing the Price/Forward Earnings ratio of UWMC to the average of the S&P500 Index (22.99), we can say UWMC is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 107.4 | ||
| Fwd PE | 13.11 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, UWMC is valued a bit cheaper than 60.61% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 13.74 |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
A more expensive valuation may be justified as UWMC's earnings are expected to grow with 60.27% in the coming years.
PEG (NY)1.59
PEG (5Y)N/A
EPS Next 2Y71.07%
EPS Next 3Y60.27%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 7.48%, UWMC is a good candidate for dividend investing.
UWMC's Dividend Yield is rather good when compared to the industry average which is at 4.87. UWMC pays more dividend than 87.88% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.43, UWMC pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.48% |
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 467.72% of its income as dividend. This is not a sustainable payout ratio.
DP467.72%
EPS Next 2Y71.07%
EPS Next 3Y60.27%
NYSE:UWMC (10/15/2025, 1:38:00 PM)
5.37
-0.07 (-1.29%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners59.43%
Inst Owner Change0.11%
Ins Owners9.35%
Ins Owner Change0.16%
Market Cap8.59B
Analysts73.33
Price Target6.01 (11.92%)
Short Float %19.62%
Short Ratio3.77
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.48% |
Yearly Dividend0.02
Dividend Growth(5Y)N/A
DP467.72%
Div Incr Years0
Div Non Decr Years3
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-82.94%
Min EPS beat(2)-319.9%
Max EPS beat(2)154.03%
EPS beat(4)1
Avg EPS beat(4)-88.26%
Min EPS beat(4)-319.9%
Max EPS beat(4)154.03%
EPS beat(8)3
Avg EPS beat(8)-108.74%
EPS beat(12)5
Avg EPS beat(12)-54.21%
EPS beat(16)8
Avg EPS beat(16)-23.15%
Revenue beat(2)2
Avg Revenue beat(2)7.32%
Min Revenue beat(2)6.71%
Max Revenue beat(2)7.92%
Revenue beat(4)2
Avg Revenue beat(4)-2.3%
Min Revenue beat(4)-12.14%
Max Revenue beat(4)7.92%
Revenue beat(8)4
Avg Revenue beat(8)-12.41%
Revenue beat(12)7
Avg Revenue beat(12)-4.09%
Revenue beat(16)11
Avg Revenue beat(16)3.25%
PT rev (1m)0%
PT rev (3m)-8.56%
EPS NQ rev (1m)-9.31%
EPS NQ rev (3m)-30.61%
EPS NY rev (1m)-29.23%
EPS NY rev (3m)6.81%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-6.13%
Revenue NY rev (1m)-7.65%
Revenue NY rev (3m)-6.07%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 107.4 | ||
| Fwd PE | 13.11 | ||
| P/S | 3.03 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 48.75 | ||
| P/tB | N/A | ||
| EV/EBITDA | 13.74 |
EPS(TTM)0.05
EY0.93%
EPS(NY)0.41
Fwd EY7.63%
FCF(TTM)-1.54
FCFYN/A
OCF(TTM)-1.5
OCFYN/A
SpS1.77
BVpS0.11
TBVpS-2.04
PEG (NY)1.59
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.09% | ||
| ROE | 6.73% | ||
| ROCE | 10.49% | ||
| ROIC | 8.23% | ||
| ROICexc | 8.55% | ||
| ROICexgc | 12.98% | ||
| OM | 47.61% | ||
| PM (TTM) | 0.42% | ||
| GM | 88.61% | ||
| 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%
ROICexcg growth 3Y-0.64%
ROICexcg 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-Score3
Asset Turnover0.2
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 63.25 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 7.95 | ||
| Cap/Depr | 122.71% | ||
| Cap/Sales | 2.2% | ||
| Interest Coverage | 2.65 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.08 | ||
| Quick Ratio | 1.08 | ||
| Altman-Z | 0.93 |
F-Score3
WACC5.85%
ROIC/WACC1.41
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)0%
EPS 3Y-42.85%
EPS 5Y-49.74%
EPS Q2Q%300%
EPS Next Y67.57%
EPS Next 2Y71.07%
EPS Next 3Y60.27%
EPS Next 5YN/A
Revenue 1Y (TTM)22.76%
Revenue growth 3Y-9.08%
Revenue growth 5Y15.91%
Sales Q2Q%49.62%
Revenue Next Year21.94%
Revenue Next 2Y19.89%
Revenue Next 3Y16.78%
Revenue Next 5YN/A
EBIT growth 1Y17.61%
EBIT growth 3Y-18.51%
EBIT growth 5Y18.21%
EBIT Next Year-23.65%
EBIT Next 3Y18.59%
EBIT Next 5YN/A
FCF growth 1Y17.28%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y18.7%
OCF growth 3YN/A
OCF growth 5YN/A