Symbols / UWMC
UWMC Chart
About
UWM Holdings Corporation engages in the origination, sale, and servicing residential mortgage lending in the United States. The company offers mortgage loans through wholesale channel. It originates primarily conforming and government loans. UWM Holdings Corporation was founded in 1986 and is headquartered in Pontiac, Michigan.
Fundamentals
Scroll to Statements| Sector | Financial Services | Industry | Mortgage Finance | Market Cap | 6.20B |
| Enterprise Value | 16.23B | Income | 16.89M | Sales | 2.70B |
| Book/sh | 0.76 | Cash/sh | 3.50 | Dividend Yield | 8.77% |
| Payout | 3.64% | Employees | 9100 | IPO | — |
| P/E | 35.09 | Forward P/E | 8.24 | PEG | — |
| P/S | 2.29 | P/B | 5.09 | P/C | — |
| EV/EBITDA | 23.26 | EV/Sales | 6.01 | Quick Ratio | 0.15 |
| Current Ratio | 1.62 | Debt/Eq | 917.18 | LT Debt/Eq | — |
| EPS (ttm) | 0.11 | EPS next Y | 0.47 | EPS Growth | — |
| Revenue Growth | -10.40% | Earnings | 2026-02-25 | ROA | 2.51% |
| ROE | 6.38% | ROIC | — | Gross Margin | 100.00% |
| Oper. Margin | 16.52% | Profit Margin | 0.62% | Shs Outstand | 288.26M |
| Shs Float | 211.01M | Short Float | 17.87% | Short Ratio | 2.71 |
| Short Interest | — | 52W High | 7.14 | 52W Low | 3.79 |
| Beta | 1.93 | Avg Volume | 15.25M | Volume | 33.26M |
| Target Price | $6.59 | Recom | Hold | Prev Close | $4.56 |
| Price | $3.86 | Change | -15.35% |
Valuation Models
Price estimates from analyst targets and simple models.
1. Analyst consensus
$6.59
Mean price target
2. Current target
$3.86
Latest analyst target
3. DCF / Fair value
$100.01
Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$3.86
Low
$5.00
High
$10.00
Mean
$6.59
Latest analyst rating changes
| Date | Action | Analyst | Rating Change | Price Target |
|---|---|---|---|---|
| 2025-12-19 | init | Jefferies | — → Hold | $5 |
| 2025-12-18 | main | Keefe, Bruyette & Woods | Market Perform → Market Perform | $7 |
| 2025-11-12 | main | UBS | Neutral → Neutral | $6 |
| 2025-10-10 | main | UBS | Neutral → Neutral | $6 |
| 2025-10-06 | main | Barclays | Overweight → Overweight | $7 |
| 2025-09-29 | down | Morgan Stanley | Overweight → Equal-Weight | $7 |
| 2025-09-22 | reit | BTIG | Buy → Buy | $10 |
| 2025-07-10 | down | Keefe, Bruyette & Woods | Outperform → Market Perform | $5 |
| 2025-07-08 | up | Barclays | Equal-Weight → Overweight | $6 |
| 2025-07-02 | main | Goldman Sachs | Neutral → Neutral | $5 |
| 2025-05-07 | main | Goldman Sachs | Neutral → Neutral | $6 |
| 2025-05-07 | main | Keefe, Bruyette & Woods | Outperform → Outperform | $7 |
| 2025-04-16 | up | UBS | Sell → Neutral | $5 |
| 2025-03-03 | up | Keefe, Bruyette & Woods | Market Perform → Outperform | $8 |
| 2025-03-03 | reit | Wedbush | Neutral → Neutral | $7 |
| 2025-02-25 | reit | Citizens Capital Markets | Market Perform → Market Perform | — |
| 2025-01-03 | main | Keefe, Bruyette & Woods | Market Perform → Market Perform | $7 |
| 2024-12-19 | main | Morgan Stanley | Equal-Weight → Equal-Weight | $7 |
| 2024-12-10 | main | Keefe, Bruyette & Woods | Market Perform → Market Perform | $7 |
| 2024-11-14 | main | Goldman Sachs | Neutral → Neutral | $8 |
- Is It Time To Reconsider UWM Holdings (UWMC) After Recent Share Price Weakness - Yahoo Finance Wed, 25 Feb 2026 14
- $UWMC ($UWMC) Releases Q4 2025 Earnings - Quiver Quantitative Wed, 25 Feb 2026 13
- UWM (NYSE:UWMC) Posts Earnings Results, Meets Expectations - MarketBeat Wed, 25 Feb 2026 17
- UWM Holding Reports Strong Q4 2025 Results, Dividend Declared - TipRanks Wed, 25 Feb 2026 15
- CEO’s Share Sale Rattles UWM Holdings Investors - StocksToTrade Wed, 25 Feb 2026 17
- UWM (UWMC) Q4 2025 Earnings Call Transcript - AOL.com Wed, 25 Feb 2026 17
- Two Harbors (TWO) Stock Declines Amid Acquisition News - GuruFocus Wed, 25 Feb 2026 17
- Is UWM Holdings (UWMC) One of the Best American Penny Stocks to Invest In? - Insider Monkey Mon, 23 Feb 2026 15
- UWM Holdings stock hits 52-week low at $3.79 By Investing.com - Investing.com UK Wed, 25 Feb 2026 16
- Is UWM Holdings (UWMC) One of the Best American Penny Stocks to Invest In? - Yahoo Finance Mon, 23 Feb 2026 14
- Is UWMC Stock a Buy After Integrated Investment Consultants Scoops Up Over 5 Million Shares? - The Motley Fool Fri, 28 Nov 2025 08
- No. 1 U.S. mortgage lender UWM to review 2025 results Feb. 25 - Stock Titan hu, 12 Feb 2026 08
- UWM Holdings Corp (UWMC) - MSN Wed, 18 Feb 2026 23
- Ishbia Mat Sells 632,874 Shares of UWM (NYSE:UWMC) Stock - MarketBeat Mon, 23 Feb 2026 22
- Does UWM Holdings' (UWMC) CEO Stock Sale Reframe the Market’s View of Management Alignment? - simplywall.st Mon, 02 Feb 2026 08
Insider Transactions
No recent insider transactions.
Financials
| Line Item | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| TaxEffectOfUnusualItems | 0.00 | 0.00 | 0.00 | 11.17K |
| TaxRateForCalcs | 0.02 | 0.09 | 0.00 | 0.01 |
| TotalUnusualItems | 0.00 | 0.00 | 1.79M | |
| TotalUnusualItemsExcludingGoodwill | 0.00 | 0.00 | 1.79M | |
| NetIncomeFromContinuingOperationNetMinorityInterest | 14.40M | -13.23M | 41.72M | 98.44M |
| ReconciledDepreciation | 48.78M | 50.06M | 49.40M | 38.02M |
| NetInterestIncome | 17.86M | 25.97M | 8.47M | 27.11M |
| InterestExpense | 490.76M | 320.26M | 305.99M | 304.66M |
| InterestIncome | 508.62M | 346.23M | 314.46M | 331.77M |
| NormalizedIncome | 14.40M | -13.23M | 41.72M | 96.67M |
| NetIncomeFromContinuingAndDiscontinuedOperation | 14.40M | -13.23M | 41.72M | 98.44M |
| DilutedAverageShares | 111.37M | 93.25M | 92.48M | 1.60B |
| BasicAverageShares | 111.37M | 93.25M | 92.48M | 100.88M |
| DilutedEPS | 0.13 | -0.14 | 0.45 | 0.66 |
| BasicEPS | 0.13 | -0.14 | 0.45 | 0.98 |
| DilutedNIAvailtoComStockholders | 14.40M | -13.23M | 41.72M | 98.44M |
| NetIncomeCommonStockholders | 14.40M | -13.23M | 41.72M | 98.44M |
| NetIncome | 14.40M | -13.23M | 41.72M | 98.44M |
| MinorityInterests | -314.97M | 56.55M | -890.14M | -1.47B |
| NetIncomeIncludingNoncontrollingInterests | 329.38M | -69.78M | 931.86M | 1.57B |
| NetIncomeContinuousOperations | 329.38M | -69.78M | 931.86M | 1.57B |
| TaxProvision | 6.58M | -6.51M | 2.81M | 9.84M |
| PretaxIncome | 335.96M | -76.29M | 934.67M | 1.58B |
| SpecialIncomeCharges | 1.79M | |||
| OtherSpecialCharges | -1.79M | |||
| GainOnSaleOfSecurity | -215.44M | 0.00 | 0.00 | |
| DepreciationAmortizationDepletionIncomeStatement | 45.47M | 46.15M | 45.23M | 35.10M |
| DepreciationAndAmortizationInIncomeStatement | 45.47M | 46.15M | 45.23M | 35.10M |
| Amortization | 0.00 | 0.00 | ||
| AmortizationOfIntangiblesIncomeStatement | 0.00 | 0.00 | ||
| DepreciationIncomeStatement | 45.23M | 35.10M | ||
| SellingGeneralAndAdministration | 995.78M | 785.17M | 806.60M | 893.49M |
| SellingAndMarketingExpense | 96.78M | 84.52M | 74.17M | 62.47M |
| GeneralAndAdministrativeExpense | 899.00M | 700.65M | 732.43M | 831.01M |
| OtherGandA | 209.84M | 170.42M | 179.55M | 133.33M |
| SalariesAndWages | 689.16M | 530.23M | 552.89M | 697.68M |
| TotalRevenue | 1.42B | 793.69M | 1.84B | 2.53B |
| OperatingRevenue | 1.42B | 793.69M | 1.84B | 2.53B |
| OtherNonInterestExpense | -5.55M | -5.00K | 23.74M | -23.11M |
| Line Item | 2023-12-31 | |||
|---|---|---|---|---|
| TreasurySharesNumber | 0.00 | |||
| OrdinarySharesNumber | 157.94M | 93.65M | 92.58M | 91.61M |
| ShareIssued | 157.94M | 93.65M | 92.58M | 91.61M |
| NetDebt | 2.87B | 2.33B | 2.13B | 1.37B |
| TotalDebt | 3.50B | 2.97B | 2.99B | 2.27B |
| TangibleBookValue | -3.81B | -3.91B | -4.31B | -3.17B |
| InvestedCapital | 3.54B | 2.94B | 2.98B | 2.24B |
| NetTangibleAssets | -3.81B | -3.91B | -4.31B | -3.17B |
| CapitalLeaseObligations | 125.47M | 136.70M | 154.84M | 170.20M |
| CommonStockEquity | 161.52M | 112.55M | 143.56M | 142.40M |
| TotalCapitalization | 3.04B | 2.19B | 2.23B | 2.24B |
| TotalEquityGrossMinorityInterest | 2.05B | 2.47B | 3.17B | 3.17B |
| MinorityInterest | 1.89B | 2.36B | 3.03B | 3.03B |
| StockholdersEquity | 161.52M | 112.55M | 143.56M | 142.40M |
| RetainedEarnings | 157.84M | 110.69M | 142.50M | 141.81M |
| AdditionalPaidInCapital | 3.52M | 1.70M | 903.00K | 437.00K |
| CapitalStock | 160.00K | 160.00K | 159.00K | 159.00K |
| CommonStock | 160.00K | 160.00K | 159.00K | 159.00K |
| PreferredStock | 0.00 | 0.00 | 0.00 | 0.00 |
| TotalLiabilitiesNetMinorityInterest | 13.62B | 9.40B | 10.43B | 19.36B |
| DerivativeProductLiabilities | 38.71M | 48.61M | 51.52M | 36.74M |
| NonCurrentDeferredLiabilities | 82.73M | 45.83M | 53.40M | |
| NonCurrentDeferredTaxesLiabilities | 82.73M | 45.83M | 53.40M | |
| LongTermDebtAndCapitalLeaseObligation | 3.00B | 2.22B | 2.24B | 2.27B |
| LongTermCapitalLeaseObligation | 125.47M | 136.70M | 154.84M | 170.20M |
| LongTermDebt | 2.88B | 2.08B | 2.09B | 2.10B |
| LongTermProvisions | 87.65M | 62.87M | 60.49M | |
| CurrentDebtAndCapitalLeaseObligation | 500.00M | 750.00M | 750.00M | 0.00 |
| CurrentDebt | 500.00M | 750.00M | 750.00M | 0.00 |
| LineOfCredit | 500.00M | 750.00M | 750.00M | 0.00 |
| PayablesAndAccruedExpenses | 567.44M | 512.15M | 483.51M | 9.17M |
| CurrentAccruedExpenses | 127.74M | 94.94M | 79.69M | |
| Payables | 439.71M | 417.20M | 403.83M | 9.17M |
| OtherPayable | 105.06M | 90.04M | 105.63M | |
| DividendsPayable | 159.83M | 159.57M | 159.47M | 9.17M |
| AccountsPayable | 174.82M | 167.59M | 138.73M | 523.99M |
| TotalAssets | 15.67B | 11.87B | 13.60B | 22.53B |
| InvestmentsAndAdvances | 103.01M | 110.35M | 113.29M | 152.26M |
| AvailableForSaleSecurities | 103.01M | 110.35M | 113.29M | 152.26M |
| GoodwillAndOtherIntangibleAssets | 3.97B | 4.03B | 4.45B | 3.31B |
| OtherIntangibleAssets | 3.97B | 4.03B | 4.45B | 3.31B |
| NetPPE | 263.12M | 274.65M | 298.88M | 313.54M |
| AccumulatedDepreciation | -145.73M | -106.89M | -73.87M | -46.35M |
| GrossPPE | 408.86M | 381.54M | 372.74M | 359.89M |
| Leases | 164.15M | 163.50M | 160.95M | 140.29M |
| ConstructionInProgress | 6.09M | 8.56M | 1.32M | 4.50M |
| OtherProperties | 116.92M | 128.24M | 146.40M | 161.85M |
| MachineryFurnitureEquipment | 121.69M | 81.25M | 64.07M | 53.25M |
| PrepaidAssets | 177.02M | 162.90M | 54.48M | |
| Receivables | 417.95M | 512.07M | 383.15M | 415.69M |
| OtherReceivables | 29.11M | 42.22M | 57.02M | |
| AccountsReceivable | 417.95M | 512.07M | 383.15M | 415.69M |
| CashAndCashEquivalents | 507.34M | 497.47M | 704.90M | 731.09M |
| CashCashEquivalentsAndFederalFundsSold | 1.15B | 1.35B | 1.05B | 1.29B |
| Line Item | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| FreeCashFlow | -6.28B | 138.81M | 8.24B | -10.02B |
| RepurchaseOfCapitalStock | 0.00 | 0.00 | -81.63M | |
| RepaymentOfDebt | -2.30B | -2.73B | -10.15B | -439.26M |
| IssuanceOfDebt | 6.64B | 1.17B | 1.35B | 10.41B |
| CapitalExpenditure | -39.45M | -26.43M | -26.61M | -65.38M |
| InterestPaidSupplementalData | 476.99M | 341.09M | 241.73M | 287.30M |
| IncomeTaxPaidSupplementalData | 2.98M | 0.00 | 1.78M | |
| EndCashPosition | 507.34M | 497.47M | 704.90M | 731.09M |
| BeginningCashPosition | 497.47M | 704.90M | 731.09M | 1.22B |
| ChangesInCash | 9.87M | -207.43M | -26.19M | -492.75M |
| FinancingCashFlow | 3.58B | -2.20B | -9.58B | 9.26B |
| CashFlowFromContinuingFinancingActivities | 3.58B | -2.20B | -9.58B | 9.26B |
| NetOtherFinancingCharges | -721.89M | -602.14M | -751.03M | -597.12M |
| CashDividendsPaid | -39.73M | -37.24M | -36.94M | -30.63M |
| CommonStockDividendPaid | -39.73M | -37.24M | -36.94M | -30.63M |
| NetCommonStockIssuance | 0.00 | 0.00 | -81.63M | |
| CommonStockPayments | 0.00 | 0.00 | -81.63M | |
| NetIssuancePaymentsOfDebt | 4.34B | -1.56B | -8.80B | 9.97B |
| NetShortTermDebtIssuance | -1.54B | -9.51B | 9.01B | |
| ShortTermDebtPayments | -1.54B | -9.51B | -400.00M | |
| ShortTermDebtIssuance | 1.00B | 1.25B | 9.01B | |
| NetLongTermDebtIssuance | 4.34B | -1.56B | -8.80B | 9.97B |
| LongTermDebtPayments | -2.30B | -2.73B | -10.15B | -439.26M |
| LongTermDebtIssuance | 6.64B | 1.17B | 1.35B | 10.41B |
| InvestingCashFlow | 2.68B | 1.83B | 1.29B | 199.75M |
| CashFlowFromContinuingInvestingActivities | 2.68B | 1.83B | 1.29B | 199.75M |
| NetOtherInvestingChanges | -4.29M | 5.31M | -5.31M | |
| NetInvestmentPurchaseAndSale | 7.89M | 7.44M | 10.99M | 1.11M |
| SaleOfInvestment | 7.89M | 7.44M | 10.99M | 1.11M |
| NetIntangiblesPurchaseAndSale | 2.71B | 1.84B | 1.31B | 264.03M |
| SaleOfIntangibles | 2.71B | 1.84B | 1.31B | 264.03M |
| NetPPEPurchaseAndSale | -39.45M | -26.43M | -26.61M | -65.38M |
| PurchaseOfPPE | -39.45M | -26.43M | -26.61M | -65.38M |
| OperatingCashFlow | -6.24B | 165.24M | 8.27B | -9.96B |
| CashFlowFromContinuingOperatingActivities | -6.24B | 165.24M | 8.27B | -9.96B |
| ChangeInWorkingCapital | -4.05B | 1.54B | 9.70B | -9.62B |
| ChangeInOtherWorkingCapital | -71.76M | 40.88M | -2.50M | -35.78M |
| ChangeInOtherCurrentLiabilities | 35.87M | -21.54M | -129.97M | 30.86M |
| ChangeInOtherCurrentAssets | 57.06M | -169.28M | 56.63M | -166.25M |
| OtherNonCashItems | -2.59B | -1.37B | -2.44B | -1.76B |
| StockBasedCompensation | 24.58M | 13.83M | 7.54M | 6.47M |
| UnrealizedGainLossOnInvestmentSecurities | -550.00K | -4.50M | 28.23M | 1.06M |
| AssetImpairmentCharge | 0.00 | 0.00 | ||
| DepreciationAmortizationDepletion | 48.78M | 50.06M | 49.40M | 38.02M |
| DepreciationAndAmortization | 48.78M | 50.06M | 49.40M | 38.02M |
| AmortizationCashFlow | 0.00 | 0.00 | ||
| AmortizationOfIntangibles | 0.00 | 0.00 | ||
| Depreciation | 49.40M | 35.08M | ||
| OperatingGainsLosses | -5.09M | 6.06M | -7.68M | -190.90M |
| GainLossOnInvestmentSecurities | 0.00 | 0.00 | -154.79M | |
| GainLossOnSaleOfPPE | -1.79M | |||
| NetIncomeFromContinuingOperations | 329.38M | -69.78M | 931.86M | 1.57B |
SEC Filings
Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.
Public Trades for UWMC
| Date | User | Asset | Broker | Type | Position Size | Entry Price | Patterns |
|---|