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UWMC
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UWMCUWM Holdings Corporation
$1.52$236M
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
Discovery & Screens
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UWMC logo

UWM Holdings Corporation

UWMC
NYSE · Mortgage Lenders & Servicers
$1.52
At close - Nov 6, 4:00 PM EST - USD
Market Cap$236M
P/E26.6x
52W High$6.15
Volume9.88M
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q2

Fee Concentration And Eroding Capital Cloud Outlook

UWM Holdings' fundamentals appear increasingly strained, with non-interest income contributing 102.6% of total revenue in 2026Q2 and net interest income of -$18.7M underscoring near-total dependence on origination spreads.

GrowthContracting
ProfitabilityStrained
ValuationAttractive
TechnicalsWeak
Explore valuation models
MARKET ACTION

UWMC price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

4/12 Beats

EPS beat 4 of last 12 quarters

02

Valuation risk

+138% Peers

P/E is 138% above peer median

03

Market leadership

RS 24 · Lag

Laggard (Underperforming 76% of market)

04

Weak Trend

Below 200DMA

Price < 200DMA

Next CatalystEstimated earnings · Feb 4

Market performance

Price History →

Trailing total returns as of 11/7/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
UWMC-61.00%
S&P 500 (^GSPC)+7.63%
1-Year Return
UWMC-64.24%
S&P 500 (^GSPC)+9.69%
3-Year Return
UWMC-48.53%
S&P 500 (^GSPC)+64.10%
5-Year Return
UWMC-52.17%
S&P 500 (^GSPC)+52.91%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/EMedian
26.6x
Forward P/EExpansion
14.9x
EV/EBITDA50th %ile
10.1x
FCF YieldCash Flow
N/A

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
26.6x
36.5x
50th· Fair
EV/EBITDA
10.1x
17.0x
50th· Fair
Price/FCF
N/A
4.8x
N/A
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
No DCF Model AvailableIntrinsic value modeling is not supported for this equity.

Growth & profitability

Annual revenue & EPS trend
Revenue FY25
$2.63B+85.8% YoY
Net income FY25
$27M+90.1% YoY
Free cash flow FY25
-$2.72B+56.7% YoY
Operating margin FY25
69.7%+46.0 pts YoY
ROIC (FY25)8.9%
Avg ROIC 5Y4.3%
ROE (TTM)1.1%
Piotroski Score5 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate4/12 (33%)
Revenue Beat Rate4/12 (33%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q4 2026Latest
Nov 4, 2026
$0.10+146.9%
vs $0.04
$811M+17.5%
vs $690M
Q3 2026
Aug 6, 2026
-$0.23-414.7%
vs $0.07
$162M-77.7%
vs $727M
Q2 2026
May 6, 2026
$0.09+50.0%
vs $0.06
$753M+6.1%
vs $710M
Q1 2026
Feb 25, 2026
$0.08-11.1%
vs $0.09
$759M-0.1%
vs $760M
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

4 Stories
Seeking Alpha·3d ago
UWM Holdings Corporation (UWMC) Q3 2026 Earnings Call Transcript

UWM Holdings Corporation ( UWMC ) Q3 2026 Earnings Call November 4, 2026 11:00 AM EST Company Participants Mathew Ishbia - Chairman, President & CEO Conference Call Participants Bose George - Keefe, Bruyette, & Woods, Inc., Research Division Douglas Harter - BTIG, LLC, Research Division Jeffrey Adelson - Morgan Stanley, Research Division Mikhail Goberman - Citizens JMP Securities, LLC, Research Division Ryan Nash - Goldman Sachs Group, Inc., Research Division Presentation Mathew Ishbia Chairman, President & CEO I appreciate everyone joining the call. We've got a lot of questions from everybody.

Business Wire·3d ago
UWM Holdings Corporation Announces Third Quarter 2026 Results

PONTIAC, Mich.--(BUSINESS WIRE)-- #UWMC--UWM Holdings Corporation (NYSE: UWMC) (“UWMC” or the “Company”), the publicly traded indirect parent of United Wholesale Mortgage (“UWM”), today announced its results for the third quarter ended September 30, 2026. Total loan origination volume was $33.4 billion for the third quarter 2026. The Company reported 3Q26 total revenue of $811.1 million, net income of $212.6 million and adjusted EBITDA of $178.3 million. Mat Ishbia, Chairman, Chief Executive Officer an.

Business Wire·Oct 23, 2026
UWM Holdings Announces Preliminary Third Quarter 2026 Results and Updated Financial Disclosure

PONTIAC, Mich.--(BUSINESS WIRE)-- #UWMC--UWM Holdings Corporation (NYSE: UWMC) (“UWMC”, the “Company” “we,” “our” and “us”), the publicly traded indirect parent of United Wholesale Mortgage (“UWM”), today announced certain preliminary operating and financial results for the quarter ended September 30, 2026, together with updated financial disclosure. The Company is providing this information in advance of the commencement of the measurement period used to determine the subscription price under its prev.

Newsfile Corp·Sep 24, 2026
Kaplan Fox & Kilsheimer LLP Encourages Investors of UWM Holdings Corporation (UWMC) to Contact the Firm Ahead of the Lead Plaintiff Deadline on October 13, 2026

New York, New York--(Newsfile Corp. - September 24, 2026) - Kaplan Fox & Kilsheimer LLP announces that a class action lawsuit has been filed against UWM Holdings Corporation ("UWM Holdings" or the "Company") (NYSE: UWMC) on behalf of investors that purchased or otherwise acquired UWM Holdings securities between March 9, 2026 and August 5, 2026 (the "Class Period"). CLICK HERE TO JOIN THE CASE If you are an investor in UWM Holdings and have suffered losses, you may CLICK HERE to contact us.

Filtered for UWM Holdings CorporationMore Headlines
04

Compare before deciding

Benchmark UWMC against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for UWM Holdings Corporation (UWMC)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
UWMC logoUWMCUWM Holdings CorporationCurrent
$1.52$236.43M26.5785.84%0.67%1.12%100%
RKT logoRKTRocket Companies, Inc.
$15.06$42.53B32.8622.99%13.38%5.55%—
PFSI logoPFSIPennyMac Financial Services, Inc.
$65.59$3.41B14.5255.29%5.44%5.54%1.77%
LDI logoLDIloanDepot, Inc.
$0.64$214.38M-2.1255.3%-6.1%-18.63%1.83%
PMT logoPMTPennyMac Mortgage Investment Trust
$7.85$684.54M8.25245.81%5.27%4.49%20.41%
WAL logoWALWestern Alliance Bancorporation
$75.55$8.25B8.0911.43%29.26%12.61%2.23%

Compare UWMC vs Peers

UWM Holdings Corporation (UWMC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs RKT

Most directly comparable listed peer for UWMC.

Scale Benchmark

vs ICE

Larger-name benchmark to compare UWMC against a more recognizable public peer.

Peer Set

Compare Top 5

vs RKT, PFSI, LDI, PMT

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

UWMC SEC Filings & Documents

UWM Holdings Corporation (UWMC) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Aug 6, 2026·SEC

Material company update

Jun 3, 2026·SEC

Material company update

May 13, 2026·SEC

10-K Annual Reports

2
FY 2026

Feb 25, 2026·SEC

FY 2025

Feb 26, 2025·SEC

10-Q Quarterly Reports

6
FY 2026

Aug 7, 2026·SEC

FY 2026

May 11, 2026·SEC

FY 2025

Nov 6, 2025·SEC

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UWMC Frequently Asked Questions

UWM Holdings Corporation (UWMC) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is UWM Holdings Corporation growing?

UWM Holdings Corporation (UWMC) grew revenue by 114.8% over the trailing twelve months, compared with the twelve months before.

Is UWMC profitable?

Yes. UWM Holdings Corporation (UWMC) earned $19.6M in net income over the trailing twelve months (a 0.7% net margin).

Dividend & Returns
Does UWMC pay dividends?

Yes. UWM Holdings Corporation (UWMC) pays a dividend that yields 100.00% at the current price, a high yield.

What is UWMC's return on equity?

UWM Holdings Corporation (UWMC) had a return on equity (ROE) of 1.1% over the trailing twelve months. That is below the market's typical 10-15%.

Industry Metrics
What is UWM Holdings Corporation's net interest margin?

UWM Holdings Corporation (UWMC) has a net interest margin (NIM) of 0.0%. NIM has been under pressure due to interest rate environment.

What is UWM Holdings Corporation's efficiency ratio?

UWM Holdings Corporation (UWMC) has an efficiency ratio of 33.2%. This is excellent, indicating strong cost control.

What if you invested $1,000 in UWMC back in 2017?

Total return calculator · dividends reinvested · 9+ years of data

See returns →