Symbols / UWMC Stock $2.59 -1.15% UWM Holdings Corporation

Financial Services • Mortgage Finance • United States • NYQ
UWMC (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Mortgage Finance
CEO Mr. Mathew R. Ishbia
Exch · Country NYQ · United States
Market Cap 4.18B
Enterprise Value 18.36B
Income 66.36M
Sales 3.61B
FCF (ttm) -1.09B
Book/sh 0.74
Cash/sh 1.30
Employees 9,100
Insider 10d —
IPO May 01, 2020
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 133.33%
P/E 8.63
Forward P/E 5.04
PEG —
P/S 1.16
P/B 3.49
P/C —
EV/EBITDA 14.23
EV/Sales 5.09
Quick Ratio 0.10
Current Ratio 1.79
Debt/Eq 1,033.13
LT Debt/Eq —
EPS (ttm) 0.30
EPS next Y 0.51
EPS Growth —
Revenue Growth 24.40%
EPS Gr Q/Q —
Rev Gr Q/Q —
Earnings (next) 2026-08-06
Earnings (prior) 2026-05-06
ROA 4.62%
ROE 40.88%
ROIC —
Gross Margin 100.00%
Oper. Margin 40.73%
Profit Margin 1.84%
Shs Outstand 339.23M
Shs Float 273.80M
Insider Own 13.42%
Instit Own 68.36%
Short Float 12.96%
Short Ratio 2.66
Short Interest 43.19M
52W High 7.14
vs 52W High -63.73%
52W Low 2.57
vs 52W Low 0.78%
Beta 1.77
Impl. Vol. 38.06%
Rel Volume 1.43
Avg Volume 17.30M
Volume 24.72M
Target (mean) $5.59
Tgt Median $5.00
Tgt Low $4.00
Tgt High $10.00
# Analysts 8
Recom Buy
Prev Close $2.62
Price $2.59
Change -1.15%
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. The company was founded in 1986 and is headquartered in Pontiac, Michigan.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$5.59
Mean price target
2. Current target
$2.59
Latest analyst target
3. DCF / Fair value
$-57.58
Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$2.59
Low
$4.00
High
$10.00
Mean
$5.59

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-05-08 main Keefe, Bruyette & Woods Market Perform → Market Perform $5
2026-04-24 init Stephens & Co. — → Equal-Weight $4
2026-04-10 main Keefe, Bruyette & Woods Market Perform → Market Perform $5
2026-04-06 main Barclays Overweight → Overweight $5
2026-03-10 reit BTIG Buy → Buy $10
2026-03-10 init Compass Point — → Buy $9
2026-02-27 main Keefe, Bruyette & Woods Market Perform → Market Perform $6
2026-02-26 main Barclays Overweight → Overweight $6
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
News
RSS: Latest UWMC news
Insider Transactions

No recent insider transactions.

Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
1,553.30
+9.77%
1,415.10
+78.29%
793.69
-56.88%
1,840.66
Operating Revenue
1,553.30
+9.77%
1,415.10
+78.29%
793.69
-56.88%
1,840.66
Selling General And Administration
1,221.46
+22.66%
995.78
+26.82%
785.17
-2.66%
806.60
Selling And Marketing Expense
106.19
+9.72%
96.78
+14.51%
84.52
+13.95%
74.17
General And Administrative Expense
1,115.27
+24.06%
899.00
+28.31%
700.65
-4.34%
732.43
Salaries And Wages
851.21
+23.51%
689.16
+29.97%
530.23
-4.10%
552.89
Other Gand A
264.06
+25.84%
209.84
+23.13%
170.42
-5.08%
179.55
Reconciled Depreciation
55.51
+13.80%
48.78
-2.56%
50.06
+1.33%
49.40
Total Unusual Items
-4.97
0.00
0.00
0.00
Total Unusual Items Excluding Goodwill
-4.97
0.00
0.00
0.00
Special Income Charges
-4.97
0.00
0.00
—
Other Special Charges
—
—
—
—
Restructuring And Mergern Acquisition
4.97
0.00
0.00
—
Net Income
27.38
+90.09%
14.40
+208.87%
-13.23
-131.72%
41.72
Pretax Income
250.90
-25.32%
335.96
+540.35%
-76.29
-108.16%
934.67
Net Interest Income
6.89
-61.40%
17.86
-31.23%
25.97
+206.42%
8.47
Interest Expense
530.79
+8.16%
490.76
+53.24%
320.26
+4.66%
305.99
Interest Income
537.69
+5.71%
508.62
+46.90%
346.23
+10.10%
314.46
Gain On Sale Of Security
298.13
+238.38%
-215.44
0.00
0.00
Tax Provision
6.87
+4.42%
6.58
+201.09%
-6.51
-331.63%
2.81
Tax Rate For Calcs
0.00
+39.82%
0.00
-77.04%
0.00
+2738.11%
0.00
Tax Effect Of Unusual Items
-0.14
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
244.02
-25.91%
329.38
+572.01%
-69.78
-107.49%
931.86
Net Income From Continuing Operation Net Minority Interest
27.38
+90.09%
14.40
+208.87%
-13.23
-131.72%
41.72
Net Income From Continuing And Discontinued Operation
27.38
+90.09%
14.40
+208.87%
-13.23
-131.72%
41.72
Net Income Continuous Operations
244.02
-25.91%
329.38
+572.01%
-69.78
-107.49%
931.86
Minority Interests
-216.64
+31.22%
-314.97
-656.96%
56.55
+106.35%
-890.14
Normalized Income
32.21
+123.62%
14.40
+208.87%
-13.23
-131.72%
41.72
Net Income Common Stockholders
27.38
+90.09%
14.40
+208.87%
-13.23
-131.72%
41.72
Diluted EPS
0.12
-7.69%
0.13
+192.86%
-0.14
-131.11%
0.45
Basic EPS
0.13
+0.00%
0.13
+192.86%
-0.14
-131.11%
0.45
Basic Average Shares
211.41
+89.82%
111.37
+19.44%
93.25
+0.83%
92.48
Diluted Average Shares
1,599.18
+1335.86%
111.37
+19.44%
93.25
+0.83%
92.48
Diluted NI Availto Com Stockholders
27.38
+90.09%
14.40
+208.87%
-13.23
-131.72%
41.72
Amortization
—
—
—
0.00
Amortization Of Intangibles Income Statement
—
—
—
0.00
Depreciation Amortization Depletion Income Statement
50.04
+10.05%
45.47
-1.46%
46.15
+2.01%
45.23
Depreciation And Amortization In Income Statement
50.04
+10.05%
45.47
-1.46%
46.15
+2.01%
45.23
Depreciation Income Statement
—
—
—
45.23
Other Non Interest Expense
-9.36
-68.72%
-5.55
-110820.00%
-0.01
-100.02%
23.74
Line Item Trend 2023-12-31
Total Assets
11,871.85
Cash And Cash Equivalents
497.47
Receivables
512.07
Accounts Receivable
512.07
Other Receivables
29.11
Prepaid Assets
177.02
Net PPE
274.65
Gross PPE
381.54
Accumulated Depreciation
-106.89
Machinery Furniture Equipment
81.25
Construction In Progress
8.56
Other Properties
128.24
Leases
163.50
Goodwill And Other Intangible Assets
4,026.14
Other Intangible Assets
4,026.14
Investments And Advances
110.35
Total Liabilities Net Minority Interest
9,397.18
Payables And Accrued Expenses
512.15
Payables
417.20
Accounts Payable
167.59
Other Payable
90.04
Dividends Payable
159.57
Current Accrued Expenses
94.94
Current Debt And Capital Lease Obligation
750.00
Current Debt
750.00
Long Term Debt And Capital Lease Obligation
2,218.78
Long Term Debt
2,082.08
Long Term Capital Lease Obligation
136.70
Long Term Provisions
62.87
Non Current Deferred Liabilities
45.83
Non Current Deferred Taxes Liabilities
45.83
Stockholders Equity
112.55
Common Stock Equity
112.55
Capital Stock
0.16
Common Stock
0.16
Preferred Stock
0.00
Share Issued
93.65
Ordinary Shares Number
93.65
Treasury Shares Number
0.00
Additional Paid In Capital
1.70
Retained Earnings
110.69
Minority Interest
2,362.12
Total Equity Gross Minority Interest
2,474.67
Total Capitalization
2,194.63
Invested Capital
2,944.63
Total Debt
2,968.78
Net Debt
2,334.61
Capital Lease Obligations
136.70
Net Tangible Assets
-3,913.58
Tangible Book Value
-3,913.58
Available For Sale Securities
110.35
Cash Cash Equivalents And Federal Funds Sold
1,354.32
Derivative Product Liabilities
48.61
Line Of Credit
750.00
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
-2,647.56
+57.58%
-6,241.49
-3877.14%
165.24
-98.00%
8,268.18
Cash Flow From Continuing Operating Activities
-2,647.56
+57.58%
-6,241.49
-3877.14%
165.24
-98.00%
8,268.18
Net Income From Continuing Operations
244.02
-25.91%
329.38
+572.01%
-69.78
-107.49%
931.86
Depreciation Amortization Depletion
55.51
+13.80%
48.78
-2.56%
50.06
+1.33%
49.40
Depreciation
—
—
—
49.40
Amortization Cash Flow
—
—
—
0.00
Depreciation And Amortization
55.51
+13.80%
48.78
-2.56%
50.06
+1.33%
49.40
Amortization Of Intangibles
—
—
—
0.00
Other Non Cash Items
-2,556.71
+1.40%
-2,593.11
-89.89%
-1,365.55
+44.04%
-2,440.26
Stock Based Compensation
50.36
+104.89%
24.58
+77.70%
13.83
+83.33%
7.54
Asset Impairment Charge
—
—
—
0.00
Operating Gains Losses
-2.74
+46.10%
-5.09
-183.98%
6.06
+178.88%
-7.68
Gain Loss On Investment Securities
—
—
0.00
0.00
Unrealized Gain Loss On Investment Securities
-4.79
-771.64%
-0.55
+87.78%
-4.50
-115.95%
28.23
Gain Loss On Sale Of PPE
—
—
—
—
Change In Working Capital
-433.20
+89.29%
-4,045.48
-363.53%
1,535.13
-84.17%
9,699.09
Change In Other Working Capital
53.01
+173.87%
-71.76
-275.53%
40.88
+1732.06%
-2.50
Change In Other Current Assets
-9.56
-116.75%
57.06
+133.71%
-169.28
-398.95%
56.63
Change In Other Current Liabilities
-60.46
-268.56%
35.87
+266.50%
-21.54
+83.42%
-129.97
Investing Cash Flow
2,259.56
-15.57%
2,676.09
+46.24%
1,829.96
+41.82%
1,290.35
Cash Flow From Continuing Investing Activities
2,259.56
-15.57%
2,676.09
+46.24%
1,829.96
+41.82%
1,290.35
Net PPE Purchase And Sale
-74.05
-87.68%
-39.45
-49.26%
-26.43
+0.68%
-26.61
Purchase Of PPE
-74.05
-87.68%
-39.45
-49.26%
-26.43
+0.68%
-26.61
Capital Expenditure
-74.05
-87.68%
-39.45
-49.26%
-26.43
+0.68%
-26.61
Net Investment Purchase And Sale
9.89
+175.45%
3.59
-71.82%
12.75
+16.02%
10.99
Purchase Of Investment
—
-4.29
—
—
Sale Of Investment
9.89
+25.45%
7.89
-38.13%
12.75
+16.02%
10.99
Net Business Purchase And Sale
-100.00
0.00
0.00
—
Purchase Of Business
-100.00
0.00
0.00
—
Net Intangibles Purchase And Sale
2,423.71
-10.63%
2,711.95
+47.10%
1,843.65
+40.60%
1,311.28
Net Other Investing Changes
—
-4.29
-180.92%
5.31
+200.00%
-5.31
Financing Cash Flow
384.02
-89.26%
3,575.27
+262.32%
-2,202.64
+77.02%
-9,584.72
Cash Flow From Continuing Financing Activities
384.02
-89.26%
3,575.27
+262.32%
-2,202.64
+77.02%
-9,584.72
Net Issuance Payments Of Debt
1,109.38
-74.42%
4,336.90
+377.43%
-1,563.25
+82.23%
-8,796.75
Issuance Of Debt
4,615.06
-30.50%
6,640.43
+469.47%
1,166.07
-13.71%
1,351.35
Repayment Of Debt
-3,505.68
-52.19%
-2,303.53
+15.60%
-2,729.32
+73.11%
-10,148.09
Long Term Debt Issuance
4,615.06
-30.50%
6,640.43
+469.47%
1,166.07
-13.71%
1,351.35
Long Term Debt Payments
-3,505.68
-52.19%
-2,303.53
+15.60%
-2,729.32
+73.11%
-10,148.09
Net Long Term Debt Issuance
1,109.38
-74.42%
4,336.90
+377.43%
-1,563.25
+82.23%
-8,796.75
Short Term Debt Issuance
—
—
1,000.00
-20.00%
1,250.00
Short Term Debt Payments
—
—
-1,541.90
+83.79%
-9,510.95
Net Short Term Debt Issuance
—
—
-1,541.90
+83.79%
-9,510.95
Net Common Stock Issuance
—
—
0.00
0.00
Common Stock Payments
—
—
0.00
0.00
Common Stock Dividend Paid
-78.60
-97.81%
-39.73
-6.69%
-37.24
-0.83%
-36.94
Cash Dividends Paid
-78.60
-97.81%
-39.73
-6.69%
-37.24
-0.83%
-36.94
Repurchase Of Capital Stock
—
—
0.00
0.00
Net Other Financing Charges
-646.76
+10.41%
-721.89
-19.89%
-602.14
+19.83%
-751.03
Changes In Cash
-3.98
-140.27%
9.87
+104.76%
-207.43
-692.02%
-26.19
Beginning Cash Position
507.34
+1.98%
497.47
-29.43%
704.90
-3.58%
731.09
End Cash Position
503.36
-0.78%
507.34
+1.98%
497.47
-29.43%
704.90
Free Cash Flow
-2,721.61
+56.67%
-6,280.95
-4624.85%
138.81
-98.32%
8,241.57
Interest Paid Supplemental Data
496.25
+4.04%
476.99
+39.84%
341.09
+41.10%
241.73
Income Tax Paid Supplemental Data
0.91
-69.37%
2.98
—
0.00
Sale Of Intangibles
2,423.71
-10.63%
2,711.95
+47.10%
1,843.65
+40.60%
1,311.28
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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