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UWM Holdings Corporation(UWMC)Earnings, Financials & Key Ratios
UWMC•NYSE•Banking & Credit
18.5× P/E·Price updated Jun 19, 2026
SectorFinancial ServicesIndustryMortgage FinanceSub-IndustryConsumer mortgage originators and brokers
AboutUWM Holdings Corporation engages in the residential mortgage lending business in the United States. The company originates 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.Show more
- Net Interest Income$7M-61.4%
- Total Revenue$3.16B+65.8%
- Net Income$27M+90.1%
- Return on Equity1.5%+136.0%
- Net Interest Margin0.04%-64.3%
- Efficiency Ratio27.63%-49.2%
- ROA0.17%+60.6%
- Equity / Assets9.41%-28.2%
- Book Value per Share7.54-59.1%
UWMC Key Insights
UWM Holdings Corporation (UWMC) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Efficient operations: 27.6% efficiency ratio
- ✓Diversified revenue: 83.0% from non-interest income
- ✓Trading at only 0.3x book value
✗Weaknesses
- ✗High debt to equity ratio of 9.1x
- ✗Weak 3Y average ROE of 0.6%
- ✗Profits declining 61.8% over 5 years
- ✗Weak NIM of 0.0%
- ✗Weak momentum: RS Rating 5 (bottom 5%)
- ✗Dividend payout exceeds 100% of earnings
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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UWMC Price & Volume
UWM Holdings Corporation (UWMC) stock price & volume — 10-year historical chart
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UWMC Growth Metrics
UWM Holdings Corporation (UWMC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years-8.21%
3 Years13.76%
TTM-
Profit CAGR
10 Years-
5 Years-61.84%
3 Years-13.09%
TTM90.09%
EPS CAGR
10 Years-
5 Years-67.44%
3 Years-35.63%
TTM34.62%
Return on Capital
10 Years19.03%
5 Years15.21%
3 Years7.99%
Last Year19.04%
UWMC Recent Earnings
UWM Holdings Corporation (UWMC) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 6/12 qtrs (50%)●Beat Revenue 5/12 qtrs (42%)
Q2 2026Latest
May 6, 2026Metric
Actual
Est
EPS
$0.09+50.0%
$0.06
Rev
$753M+6.1%
$710M
Q1 2026
Feb 25, 2026Metric
Actual
Est
EPS
$0.08-11.1%
$0.09
Rev
$759M-0.1%
$760M
Q4 2025
Nov 6, 2025Metric
Actual
Est
EPS
$0.01-86.9%
$0.08
Rev
$471M-28.1%
$655M
Q3 2025
Aug 7, 2025Metric
Actual
Est
EPS
$0.16+166.7%
$0.06
Rev
$785M+19.6%
$656M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 6, 2026 | $0.09vs $0.06+50.0% | $753Mvs $710M+6.1% |
| Q1 2026 | Feb 25, 2026 | $0.08vs $0.09-11.1% | $759Mvs $760M-0.1% |
| Q4 2025 | Nov 6, 2025 | $0.01vs $0.08-86.9% | $471Mvs $655M-28.1% |
| Q3 2025 | Aug 7, 2025 | $0.16vs $0.06+166.7% | $785Mvs $656M+19.6% |
Based on last 12 quarters of dataView full earnings history →
UWMC Peer Comparison
UWM Holdings Corporation (UWMC) competitors in Consumer mortgage originators and brokers — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 RKT | 40.72B | 14.42 | -524.36 | 27.37% | 2.82% | 1.53% | ||
 PFSI | 4.3B | 82.38 | 8.86 | 173.81% | 14.31% | 12.02% | 5.35 | |
 GHLD | 439.06M | 20.01 | 12.83 | 60.87% | 9.71% | 10.27% | 2.42 | |
 LDI | 391.98M | 1.17 | -3.90 | 37.59% | -5.42% | -19.61% | 13.05 | |
 PMT | 891.92M | 10.25 | 10.35 | 103.82% | 13.83% | 7.06% | 10.12 | |
 WAL | 8.77B | 79.81 | 9.14 | 5.17% | 18.3% | 12.81% | 0.82 | |
 ESNT | 5.39B | 58.45 | 8.47 | -0.49% | 53.34% | 12.01% | 0.09 | |
 ICE | 75.83B | 133.88 | 23.20 | 7.46% | 26.14% | 11.57% | 0.70 |
Compare UWMC vs Peers
UWM Holdings Corporation (UWMC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
UWMC Income Statement
UWM Holdings Corporation (UWMC) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 0 | 0 | -9M | -5.88M | 27.11M | 8.47M | 25.97M | 17.86M | 6.89M |
NII Growth % | - | - | - | 34.73% | 561.44% | -68.74% | 206.42% | -31.23% | -61.4% |
Net Interest Margin % | 0% | 0% | -0.14% | -0.05% | 0.12% | 0.06% | 0.22% | 0.11% | 0.04% |
Interest Income | 53.14M | 85.59M | 155.13M | 161.16M | 331.77M | 314.46M | 346.23M | 508.62M | 537.69M |
Interest Expense | 0 | 0 | 164.13M | 167.04M | 304.66M | 305.99M | 320.26M | 490.76M | 530.79M |
Loan Loss Provision | 0 | 0 | 19.15M | 36.51M | 45.3M | 30.42M | 38.68M | 43.44M | -76.27M |
Non-Interest Income | 402.48M | 416.58M | 1.08B | 4.69B | 2.5B | 1.83B | 767.72M | 1.4B | 2.62B |
Non-Interest Income % | 88.34% | 82.96% | 87.41% | 96.68% | 88.29% | 85.35% | 68.92% | 73.31% | 82.99% |
Total Revenue | 455.62M▲ 0% | 502.17M▲ 10.2% | 1.23B▲ 145.4% | 4.85B▲ 293.6% | 2.83B▼ 41.6% | 2.15B▼ 24.2% | 1.11B▼ 48.1% | 1.91B▲ 71.1% | 3.16B▲ 65.8% |
Revenue Growth % | - | 10.22% | 145.38% | 293.59% | -41.57% | -24.25% | -48.11% | 71.09% | 65.83% |
Non-Interest Expense | 287.51M | 325.21M | 633.86M | 1.26B | 905.48M | 875.58M | 831.31M | 1.04B | 873.29M |
Efficiency Ratio | 63.1% | 64.76% | 51.44% | 26.01% | 31.95% | 40.79% | 74.63% | 54.34% | 27.63% |
Operating Income | 128.41M▲ 0% | 85.83M▼ 33.2% | 415.06M▲ 383.6% | 3.38B▲ 715.5% | 1.58B▼ 53.4% | 934.67M▼ 40.8% | -76.29M▼ 108.2% | 335.96M▲ 540.4% | 1.83B▲ 445.5% |
Operating Margin % | 28.18% | 17.09% | 33.68% | 69.8% | 55.7% | 43.54% | -6.85% | 17.63% | 57.99% |
Operating Income Growth % | - | -33.16% | 383.58% | 715.54% | -53.37% | -40.78% | -108.16% | 540.35% | 445.53% |
Pretax Income | 114.96M▲ 0% | 91.37M▼ 20.5% | 415.06M▲ 354.2% | 3.38B▲ 715.5% | 1.58B▼ 53.4% | 934.67M▼ 40.8% | -76.29M▼ 108.2% | 335.96M▲ 540.4% | 250.9M▼ 25.3% |
Pretax Margin % | 25.23% | 18.2% | 33.68% | 69.8% | 55.7% | 43.54% | -6.85% | 17.63% | 7.94% |
Income Tax | 363K | 57K | 0 | 2.45M | 9.84M | 2.81M | -6.51M | 6.58M | 6.87M |
Effective Tax Rate % | 0.32% | 0.06% | 0% | 0.07% | 0.62% | 0.3% | 8.53% | 1.96% | 2.74% |
Net Income | 114.6M▲ 0% | 91.32M▼ 20.3% | 415.06M▲ 354.5% | 3.38B▲ 715.0% | 98.44M▼ 97.1% | 41.72M▼ 57.6% | -13.23M▼ 131.7% | 14.4M▲ 208.9% | 27.38M▲ 90.1% |
Net Margin % | 25.15% | 18.18% | 33.68% | 69.75% | 3.47% | 1.94% | -1.19% | 0.76% | 0.87% |
Net Income Growth % | - | -20.32% | 354.53% | 714.95% | -97.09% | -57.63% | -131.72% | 208.87% | 90.09% |
Net Income (Continuing) | 114.6M | 91.32M | 415.06M | 3.38B | 1.57B | 931.86M | -69.78M | 329.38M | 244.02M |
EPS (Diluted) | 1.11▲ 0% | 0.89▼ 19.8% | 4.03▲ 352.8% | 32.81▲ 714.1% | 0.66▼ 98.0% | 0.45▼ 31.8% | -0.14▼ 131.1% | 0.13▲ 192.9% | 0.12▼ 7.7% |
EPS Growth % | - | -19.82% | 352.81% | 714.14% | -97.99% | -31.82% | -131.11% | 192.86% | -7.69% |
EPS (Basic) | 1.11 | 0.89 | 4.03 | 32.81 | 0.98 | 0.45 | -0.14 | 0.13 | 0.13 |
Diluted Shares Outstanding | 103.1M | 103.1M | 103.1M | 103.1M | 1.6B | 92.48M | 93.25M | 111.37M | 211.41M |
UWMC Balance Sheet
UWM Holdings Corporation (UWMC) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 68.68M | 42.11M | 133.28M | 1.22B | 731.09M | 704.9M | 497.47M | 507.34M | 503.36M |
Cash & Due from Banks | 68.68M | 42.11M | 133.28M | 1.22B | 731.09M | 704.9M | 497.47M | 507.34M | 503.36M |
Short Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Total Investments | 0 | 0 | 0 | 7.98B | 17.13B | 7.33B | 5.59B | 9.72B | 10.07B |
Investments Growth % | - | - | - | - | 114.72% | -57.2% | -23.71% | 73.77% | 3.61% |
Long-Term Investments | 0 | 0 | 0 | 7.98B | 17.13B | 7.33B | 5.59B | 9.72B | 10.07B |
Accounts Receivables | 0 | 0 | 22.86M | 253.6M | 415.69M | 383.15M | 512.07M | 417.95M | 1.66B |
Goodwill & Intangibles | 207.52M | 368.12M | 731.35M | 1.76B | 3.31B | 4.45B | 4.03B | 3.97B | 4.07B |
Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Intangible Assets | 207.52M | 368.12M | 731.35M | 1.76B | 3.31B | 4.45B | 4.03B | 3.97B | 4.07B |
PP&E (Net) | 763K | 48.58M | 140.85M | 223.6M | 313.54M | 298.88M | 274.65M | 263.12M | 295.76M |
Other Assets | 7.09M | 10.5M | 14.14M | 2.93M | 569.08M | 266.43M | 791.25M | 793.3M | 324.91M |
Total Current Assets | 1.96B | 2.65B | 5.77B | 1.53B | 1.2B | 1.25B | 1.19B | 925.29M | 2.16B |
Total Non-Current Assets | 215.38M | 427.2M | 886.34M | 9.96B | 21.33B | 12.35B | 10.69B | 14.75B | 14.77B |
Total Assets | 2.17B▲ 0% | 3.08B▲ 41.8% | 6.65B▲ 116.0% | 11.49B▲ 72.7% | 22.53B▲ 96.0% | 13.6B▼ 39.6% | 11.87B▼ 12.7% | 15.67B▲ 32.0% | 16.93B▲ 8.0% |
Asset Growth % | - | 41.8% | 116.04% | 72.73% | 96.01% | -39.63% | -12.71% | 32% | 8.02% |
Return on Assets (ROA) | 5.28% | 3.48% | 8.53% | 37.28% | 0.58% | 0.23% | -0.1% | 0.1% | 0.17% |
Accounts Payable | 118.64M | 186.1M | 250M | 847.75M | 523.99M | 138.73M | 167.59M | 174.82M | 0 |
Total Debt | 1.78B | 2.51B | 5.69B | 8.21B | 18.79B | 9.78B | 8.73B | 12.84B | 14.44B |
Net Debt | 1.71B | 2.47B | 5.55B | 6.98B | 18.06B | 9.08B | 8.23B | 12.33B | 13.94B |
Long-Term Debt | 1.78B | 399.9M | 5.46B | 815.85M | 2.1B | 2.09B | 2.08B | 2.88B | 11.12B |
Short-Term Debt | 0 | 2.11B | 131M | 7.26B | 16.52B | 7.54B | 6.51B | 9.84B | 3.21B |
Other Liabilities | 0 | 0 | 0 | 66.24M | 45.91M | 377.11M | 361.09M | 391.24M | 895.66M |
Total Current Liabilities | 160.24M | 2.36B | 447.95M | 8.11B | 17.04B | 7.76B | 6.77B | 10.14B | 3.21B |
Total Non-Current Liabilities | 1.78B | 399.9M | 5.54B | 1.01B | 2.32B | 2.67B | 2.63B | 3.48B | 12.12B |
Total Liabilities | 1.94B | 2.76B | 5.99B | 9.12B | 19.36B | 10.43B | 9.4B | 13.62B | 15.34B |
Total Equity | 233.11M▲ 0% | 319.05M▲ 36.9% | 661.32M▲ 107.3% | 2.37B▲ 259.0% | 3.17B▲ 33.6% | 3.17B▲ 0.0% | 2.47B▼ 22.0% | 2.05B▼ 17.0% | 1.59B▼ 22.4% |
Equity Growth % | - | 36.87% | 107.28% | 259.02% | 33.56% | 0.02% | -21.98% | -17.01% | -22.41% |
Equity / Assets (Capital Ratio) | 10.73% | 10.36% | 9.94% | 20.66% | 14.08% | 23.32% | 20.84% | 13.11% | 9.41% |
Return on Equity (ROE) | 49.16% | 33.08% | 84.67% | 222.86% | 3.55% | 1.32% | -0.47% | 0.64% | 1.5% |
Book Value per Share | 2.26 | 3.09 | 6.41 | 23.03 | 1.98 | 34.30 | 26.54 | 18.44 | 7.54 |
Tangible BV per Share | 0.25 | -0.48 | -0.68 | 5.99 | -0.09 | -13.86 | -16.64 | -17.20 | -11.73 |
Common Stock | 0 | 0 | 0 | 0 | 159K | 159K | 160K | 160K | 160K |
Additional Paid-in Capital | 24.84M | 24.84M | 24.84M | 24.84M | 437K | 903K | 1.7M | 3.52M | 9.91M |
Retained Earnings | 208.27M | 294.21M | 636.48M | 2.35B | 141.81M | 142.5M | 110.69M | 157.84M | 189.45M |
Accumulated OCI | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
UWMC Cash Flow Statement
UWM Holdings Corporation (UWMC) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | -754.64M | -926.17M | -3.5B | 56.41M | -9.96B | 8.27B | 165.24M | -6.24B | -2.65B |
Operating CF Growth % | - | -22.73% | -277.47% | 101.61% | -17750.43% | 183.04% | -98% | -3877.14% | 57.58% |
Net Income | 114.6M | 91.32M | 415.06M | 3.38B | 931.86M | 931.86M | -13.23M | 329.38M | 27.38M |
Depreciation & Amortization | 40.37M | 50.69M | 92.2M | 35.08M | 49.4M | 49.4M | 50.06M | 48.78M | 55.51M |
Deferred Taxes | 0 | 0 | 0 | -191.63M | 0 | 20.54M | 0 | 0 | 0 |
Other Non-Cash Items | -245.65M | -361.15M | -4B | -3.17B | -20.64B | -2.44B | -1.42B | -2.6B | -2.3B |
Working Capital Changes | -663.96M | -707.03M | -134.88K | 4.01M | 9.7B | 9.7B | 1.54B | -4.05B | -433.2M |
Cash from Investing | 203.09M | 170.74M | 577.38M | 231.88M | 199.75M | 1.29B | 1.83B | 2.68B | 2.26B |
Purchase of Investments | 0 | 0 | 0 | -331.31K | 0 | 0 | 0 | 0 | -100M |
Sale/Maturity of Investments | 0 | 0 | 0 | 1.11M | 10.99M | 10.99M | 7.44M | 7.89M | 7.29M |
Net Investment Activity | 0 | 0 | 0 | 775.69K | 10.99M | 10.99M | 7.44M | 7.89M | -92.71M |
Acquisitions | 0 | 0 | 0 | 331.31K | 0 | 0 | 0 | 0 | 0 |
Other Investing | 203.25M | 224.01M | 634.66M | 296.16M | 215.38M | 1.31B | 1.85B | 2.67B | 2.43B |
Cash from Financing | 562.11M | 728.87M | 3.01B | 802.26M | 9.26B | -9.58B | -2.2B | 3.58B | 384.02M |
Dividends Paid | -89.44M | -5.37M | -72.78M | -1.97B | -1.5B | -787.97M | -37.24M | -39.73M | -716.6M |
Share Repurchases | 0 | 0 | 0 | 0 | -81.63M | 0 | 0 | 0 | 0 |
Stock Issued | 0 | 0 | 25K | 435.5M | 0 | 0 | 0 | 0 | 0 |
Net Stock Activity | 0 | 0 | 25K | 435.5M | -81.63M | 0 | 0 | 0 | 0 |
Debt Issuance (Net) | 1000K | 1000K | 1000K | 1000K | 1000K | -1000K | -1000K | 1000K | 1000K |
Other Financing | 0 | 0 | -25K | -151.28M | 871.72M | 0 | -602.14M | -721.89M | -365K |
Net Change in Cash | 68.68M▲ 0% | -26.57M▼ 138.7% | 91.17M▲ 443.2% | 1.09B▲ 1096.2% | -492.75M▼ 145.2% | -26.19M▲ 94.7% | -207.43M▼ 692.0% | 9.87M▲ 104.8% | -3.98M▼ 140.3% |
Exchange Rate Effect | 58.12M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 0 | 68.68M | 42.11M | 133.28M | 1.22B | 731.09M | 704.9M | 497.47M | 507.34M |
Cash at End | 68.68M | 42.11M | 133.28M | 1.22B | 731.09M | 704.9M | 497.47M | 507.34M | 503.36M |
Interest Paid | 0 | 0 | 0 | 0 | 287.3M | 0 | 341.09M | 476.99M | 0 |
Income Taxes Paid | 0 | 0 | 0 | 0 | 1.78M | 0 | 0 | 2.98M | 0 |
Free Cash Flow | -754.8M▲ 0% | -979.45M▼ 29.8% | -3.51B▼ 258.7% | -876K▲ 100.0% | -10.02B▼ 1144003.5% | 8.24B▲ 182.2% | 138.81M▼ 98.3% | -6.28B▼ 4624.9% | -2.72B▲ 56.7% |
FCF Growth % | - | -29.76% | -258.65% | 99.98% | -1144003.54% | 182.23% | -98.32% | -4624.85% | 56.67% |
UWMC Banking Ratios
UWM Holdings Corporation (UWMC) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|
Return on Equity (ROE) | 49.16% | 33.08% | 84.67% | 222.86% | 3.55% | 1.32% | -0.47% | 0.64% | 1.5% |
Return on Assets (ROA) | 5.28% | 3.48% | 8.53% | 37.28% | 0.58% | 0.23% | -0.1% | 0.1% | 0.17% |
Net Interest Margin | 0% | 0% | -0.14% | -0.05% | 0.12% | 0.06% | 0.22% | 0.11% | 0.04% |
Efficiency Ratio | 63.1% | 64.76% | 51.44% | 26.01% | 31.95% | 40.79% | 74.63% | 54.34% | 27.63% |
Equity / Assets | 10.73% | 10.36% | 9.94% | 20.66% | 14.08% | 23.32% | 20.84% | 13.11% | 9.41% |
Book Value / Share | 2.26 | 3.09 | 6.41 | 23.03 | 1.98 | 34.3 | 26.54 | 18.44 | 7.54 |
NII Growth | - | - | - | 34.73% | 561.44% | -68.74% | 206.42% | -31.23% | -61.4% |
Dividend Payout | 78.05% | 5.88% | 17.54% | 58.23% | 1523.15% | 1888.94% | - | 275.85% | 2617.22% |
Related:UWMC Dividend History·UWMC Revenue History·UWMC Price History·UWMC P/E History·UWMC Financial Ratios·UWMC Institutional Holders
UWMC SEC Filings & Documents
UWM Holdings Corporation (UWMC) SEC filings — annual & quarterly reports (10-K, 10-Q)
UWMC Frequently Asked Questions
UWM Holdings Corporation (UWMC) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
UWM Holdings Corporation (UWMC) grew revenue by 65.8% over the past year. This is strong growth.
Yes, UWM Holdings Corporation (UWMC) is profitable, generating $27.4M in net income for fiscal year 2025 (0.9% net margin).
Dividend & Returns
Yes, UWM Holdings Corporation (UWMC) pays a dividend with a yield of 100.00%. This makes it attractive for income-focused investors.
UWM Holdings Corporation (UWMC) has a return on equity (ROE) of 1.5%. This is below average, suggesting room for improvement.
Industry Metrics
UWM Holdings Corporation (UWMC) has a net interest margin (NIM) of 0.0%. NIM has been under pressure due to interest rate environment.
UWM Holdings Corporation (UWMC) has an efficiency ratio of 27.6%. This is excellent, indicating strong cost control.