UWMC Stock Analysis: UWM Holdings | NYSE
Mortgage Finance | NYSE, USA | Market Cap: 2.716m USD | 12M Return: -68.4% | US91823B1098 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 17.1M
Qual. Beats: 0
Rev. Trend: 94.1%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 6.4 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
UWM Holdings Corporation (NYSE: UWMC) originates, sells, and services residential mortgage loans in the United States, primarily through the wholesale channel, working with mortgage brokers. Its loans are mainly conforming and government-backed. Founded in 1986, the company is headquartered in Pontiac, Michigan.
As a mortgage finance company, UWM’s business is tied to housing activity and mortgage interest rates, which can influence borrower demand and refinancing.
- High mortgage rates suppress refinancing and pressure loan origination volume
- Broker competition and pricing pressure weigh on gain-on-sale margins
- Mortgage servicing income and MSR values fluctuate with interest rates
| Net Income: 19.6m TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.14 > 0.02 and ΔFCF/TA 5.24 > 1.0 |
| NWC/Revenue: -35.22% < 20% (prev -541.1%; Δ 505.9% < -1%) |
| CFO/TA -0.14 > 3% & CFO -2.65b > Net Income 19.6m |
| Net Debt (12.7b) to EBITDA (1.14b): 11.19 < 3 |
| Current Ratio: 0.90 > 1.5 & < 3 |
| Outstanding Shares: last quarter (343.3m) vs 12m ago 55.08% < -2% |
| Gross Margin: 88.16% > 18% (prev 70.60%; Δ 17.56% > 0.5%) |
| Asset Turnover: 19.79% > 50% (prev 11.14%; Δ 8.66% > 0%) |
| Interest Coverage Ratio: 1.77 > 6 (EBIT TTM 1.08b / Interest Expense TTM 609.4m) |
| A: -0.07 (Total Current Assets 11.6b - Total Current Liabilities 12.9b) / Total Assets 18.8b |
| B: 0.01 (Retained Earnings 150.0m / Total Assets 18.8b) |
| C: 0.06 (EBIT TTM 1.08b / Avg Total Assets 17.9b) |
| D: 0.11 (Book Value of Equity 1.70b / Total Liabilities 16.0b) |
| Altman-Z'' = 0.11 = B |
| DSRI: 0.71 (Receivables 726.6m/548.1m, Revenue 3.55b/1.90b) |
| GMI: 0.80 (GM 70.60% / 88.16%) |
| AQI: 0.41 (AQ_t 0.37 / AQ_t-1 0.90) |
| SGI: 1.87 (Revenue 3.55b / 1.90b) |
| TATA: 0.14 (NI 19.6m - CFO -2.65b) / TA 18.8b) |
| Beneish M = -3.16 (Cap -4..+1) = AA |
As of November 06, 2026, the stock is trading at USD 1.63 with a total of 12,173,841 shares traded. Over the past week, the price has changed by +9.40%, over one month by +26.36%, over three months by -11.41% and over the past year by -68.39%.
Current recommended Stop Loss: 1.40 (which is 14.1% or 1.8 ATR below the current price).
UWM Holdings has received a consensus analysts rating of 3.22. Therefore, it is recommended to hold UWMC.
- StrongBuy: 0
- Buy: 2
- Hold: 7
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 1.7 | 4.9% |
P/E Forward = 7.0671
P/S = 0.9282
P/B = 4.0998
Revenue TTM = 3.55b USD
EBIT TTM = 1.08b USD
EBITDA TTM = 1.14b USD
Long Term Debt = 3.07b USD (from longTermDebt, last fiscal year)
Short Term Debt = 10.0b USD (from shortTermDebt, last quarter)
Debt = 13.2b USD (from shortLongTermDebtTotal, last quarter) + Leases 119.5m
Net Debt = 12.7b USD (calculated: Debt 13.2b - CCE 508.6m)
Enterprise Value = 15.5b USD (2.72b + Debt 13.2b - CCE 508.6m)
Interest Coverage Ratio = 1.77 (Ebit TTM 1.08b / Interest Expense TTM 609.4m)
EV/FCF = -5.68x (Enterprise Value 15.5b / FCF TTM -2.72b)
FCF Yield = -17.61% (FCF TTM -2.72b / Enterprise Value 15.5b)
FCF Margin = -76.76% (FCF TTM -2.72b / Revenue TTM 3.55b)
Net Margin = 0.55% (Net Income TTM 19.6m / Revenue TTM 3.55b)
Gross Margin = 88.16% ((Revenue TTM 3.55b - Cost of Revenue TTM 420.0m) / Revenue TTM)
Gross Margin QoQ = 89.32% (prev 91.87%)
Tobins Q-Ratio = 0.82 (Enterprise Value 15.5b / Total Assets 18.8b)
Interest Expense / Debt = 4.60% (Interest Expense 609.4m / Debt 13.2b)
Taxrate = 2.43% (2.38m / 97.9m)
NOPAT = 1.05b (EBIT 1.08b * (1 - 2.43%))
Current Ratio = 0.90 (Total Current Assets 11.6b / Total Current Liabilities 12.9b)
Debt / Equity = 7.81 (Debt 13.2b / totalStockholderEquity, last quarter 1.70b)
Debt / EBITDA = 11.19 (Net Debt 12.7b / EBITDA 1.14b)
Debt / FCF = -4.68 (negative FCF - burning cash) (Net Debt 12.7b / FCF TTM -2.72b)
Total Stockholder Equity = 564.9m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.11% (Net Income 19.6m / Total Assets 18.8b)
RoE = 3.48% (Net Income TTM 19.6m / Total Stockholder Equity 564.9m)
RoCE = 29.66% (EBIT 1.08b / Capital Employed (Equity 564.9m + L.T.Debt 3.07b))
RoIC = 6.67% (NOPAT 1.05b / Invested Capital 15.8b)
WACC = 5.40% (E(2.72b)/V(16.0b) * Re(9.85%) + D(13.2b)/V(16.0b) * Rd(4.60%) * (1-Tc(0.02)))
Discount Rate = 9.85% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 89.71 | Cagr: 76.68%
[DCF] Fair Price = unknown (Cash Flow -2.72b)
EPS Correlation: N/A | EPS CAGR: N/A | SUE: 0.60 | # QB: 0
Revenue Correlation: 94.06 | Revenue CAGR: 48.38% | SUE: 0.31 | # QB: 0
EPS current Quarter (2027-03-31): EPS=0.04 | Chg30d=-39.47% | Revisions=-25% | Analysts=4
EPS current Year (2026-12-31): EPS=0.11 | Chg30d=-33.84% | Revisions=-25% | GrowthEPS=-9.9% | GrowthRev=+1.6%
EPS next Year (2027-12-31): EPS=0.28 | Chg30d=-19.45% | Revisions=-40% | GrowthEPS=+156.4% | GrowthRev=+14.1%
[Analyst] Revisions Ratio: -57% (up=0, down=4)