UWMC Stock Analysis: UWM Holdings | NYSE
Mortgage Finance | NYSE, USA | Market Cap: 4.328m USD | 12M Return: -68.3% | US91823B1098 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 35.1M
Qual. Beats: -1
Rev. Trend: 87.3%
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) is a U.S.-based residential mortgage lender that originates, sells, and services home loans, operating primarily through a wholesale channel that distributes loans via independent mortgage brokers rather than directly to consumers. The company focuses on conforming loans, which meet the underwriting standards of government-sponsored enterprises such as Fannie Mae and Freddie Mac, along with government-backed loans (such as FHA, VA, and USDA products). Founded in 1986 and headquartered in Pontiac, Michigan, UWM went public on March 24, 2020, and is classified within the Financials sector under the Commercial & Residential Mortgage Finance sub-industry.
- Mortgage origination volumes swing with 30-year rate movements
- Gain on sale margins compress amid wholesale channel competition
- MSR portfolio growth provides recurring servicing fee income
| Net Income: -37.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.27 > 0.02 and ΔFCF/TA -9.75 > 1.0 |
| NWC/Revenue: -0.44% < 20% (prev -434.2%; Δ 433.8% < -1%) |
| CFO/TA -0.27 > 3% & CFO -4.86b > Net Income -37.1m |
| Net Debt (14.3b) to EBITDA (736.7m): 19.37 < 3 |
| Current Ratio: 1.00 > 1.5 & < 3 |
| Outstanding Shares: last quarter (211.4m) vs 12m ago 4.59% < -2% |
| Gross Margin: 85.31% > 18% (prev 69.37%; Δ 15.93% > 0.5%) |
| Asset Turnover: 20.14% > 50% (prev 13.57%; Δ 6.57% > 0%) |
| Interest Coverage Ratio: 1.18 > 6 (EBIT TTM 679.7m / Interest Expense TTM 576.6m) |
| A: -0.00 (Total Current Assets 11.6b - Total Current Liabilities 11.6b) / Total Assets 17.9b |
| B: 0.01 (Retained Earnings 118.6m / Total Assets 17.9b) |
| C: 0.04 (EBIT TTM 679.7m / Avg Total Assets 15.9b) |
| D: 0.01 (Book Value of Equity 133.7m / Total Liabilities 17.0b) |
| Altman-Z'' = 0.31 = B |
| DSRI: 0.43 (Receivables 531.8m/719.4m, Revenue 3.21b/1.88b) |
| GMI: 0.81 (GM 69.37% / 85.31%) |
| AQI: 0.38 (AQ_t 0.34 / AQ_t-1 0.89) |
| SGI: 1.70 (Revenue 3.21b / 1.88b) |
| TATA: 0.27 (NI -37.1m - CFO -4.86b) / TA 17.9b) |
| Beneish M = -3.50 (Cap -4..+1) = AA |
As of August 14, 2026, the stock is trading at USD 1.63 with a total of 22,535,129 shares traded. Over the past week, the price has changed by -35.48%, over one month by -45.45%, over three months by -64.04% and over the past year by -68.32%.
Current recommended Stop Loss: 1.40 (which is 14.1% or 1.3 ATR below the current price).
UWM Holdings has received a consensus analysts rating of 3.55. Therefore, it is recommended to hold UWMC.
- StrongBuy: 2
- Buy: 2
- Hold: 7
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 2.2 | 36.2% |
P/E Forward = 3.9714
P/S = 1.4792
P/B = 16.8997
Revenue TTM = 3.21b USD
EBIT TTM = 679.7m USD
EBITDA TTM = 736.7m USD
Long Term Debt = 3.07b USD (from longTermDebt, last quarter)
Short Term Debt = 11.5b USD (from shortTermDebt, last quarter)
Debt = 14.8b USD (from shortLongTermDebtTotal, last quarter) + Leases 119.5m
Net Debt = 14.3b USD (calculated: Debt 14.8b - CCE 498.4m)
Enterprise Value = 18.6b USD (4.33b + Debt 14.8b - CCE 498.4m)
Interest Coverage Ratio = 1.18 (Ebit TTM 679.7m / Interest Expense TTM 576.6m)
EV/FCF = -3.78x (Enterprise Value 18.6b / FCF TTM -4.92b)
FCF Yield = -26.47% (FCF TTM -4.92b / Enterprise Value 18.6b)
FCF Margin = -153.6% (FCF TTM -4.92b / Revenue TTM 3.21b)
Net Margin = -1.16% (Net Income TTM -37.1m / Revenue TTM 3.21b)
Gross Margin = 85.31% ((Revenue TTM 3.21b - Cost of Revenue TTM 471.0m) / Revenue TTM)
Gross Margin QoQ = 91.87% (prev 85.32%)
Tobins Q-Ratio = 1.04 (Enterprise Value 18.6b / Total Assets 17.9b)
Interest Expense / Debt = 3.91% (Interest Expense 576.6m / Debt 14.8b)
Taxrate = 2.74% (6.87m / 250.9m)
NOPAT = 661.1m (EBIT 679.7m * (1 - 2.74%))
Current Ratio = 1.00 (Total Current Assets 11.6b / Total Current Liabilities 11.6b)
Debt / Equity = 110.4 (Debt 14.8b / totalStockholderEquity, last quarter 133.7m)
Debt / EBITDA = 19.37 (Net Debt 14.3b / EBITDA 736.7m)
Debt / FCF = -2.90 (negative FCF - burning cash) (Net Debt 14.3b / FCF TTM -4.92b)
Total Stockholder Equity = 185.1m (last 4 quarters mean from totalStockholderEquity)
RoA = -0.23% (Net Income -37.1m / Total Assets 17.9b)
RoE = -20.07% (Net Income TTM -37.1m / Total Stockholder Equity 185.1m)
RoCE = 20.90% (EBIT 679.7m / Capital Employed (Equity 185.1m + L.T.Debt 3.07b))
RoIC = 3.73% (NOPAT 661.1m / Invested Capital 17.7b)
WACC = 5.32% (E(4.33b)/V(19.1b) * Re(10.49%) + D(14.8b)/V(19.1b) * Rd(3.91%) * (1-Tc(0.03)))
Discount Rate = 10.49% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 90.12 | Cagr: 43.60%
[DCF] Fair Price = unknown (Cash Flow -4.92b)
EPS Correlation: N/A | EPS CAGR: N/A | SUE: -4.0 | # QB: -1
Revenue Correlation: 87.29 | Revenue CAGR: 37.66% | SUE: 0.50 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.06 | Chg30d=-48.00% | Revisions=-40% | Analysts=4
EPS current Year (2026-12-31): EPS=0.12 | Chg30d=-68.08% | Revisions=-40% | GrowthEPS=+0.1% | GrowthRev=-2.2%
EPS next Year (2027-12-31): EPS=0.37 | Chg30d=-24.67% | Revisions=-40% | GrowthEPS=+204.5% | GrowthRev=+25.5%
[Analyst] Revisions Ratio: -67% (up=0, down=6)