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UWMCUWM Holdings Corporation
$1.22$190M
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
Live BreakoutsStock ScreenerOwnership
UWMC logo

UWM Holdings Corporation

UWMC
NYSE · Mortgage Finance
$1.22
At close - Sep 23, 4:00 PM EDT - USD
Market Cap$190M
P/E10.2x
52W High$6.54
Volume8.61M
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q1

Cyclical Revenue Volatility Strains Capital Structure Resilience

UWM Holdings Corporation faces significant structural headwinds as its broker-centric mortgage model remains highly sensitive to interest rate cycles, resulting in extreme earnings and cash flow instability. While the company maintains a dominant market positi...

GrowthMixed
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

-21% Peers

P/E is 21% below peer median

03

Market leadership

RS 4 · Lag

Laggard (Underperforming 96% of market)

04

Weak Trend

Below 200DMA

Price < 200DMA

Next CatalystEstimated earnings · Nov 6

Market performance

Price History →

Trailing total returns as of 9/24/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
UWMC-67.80%
S&P 500 (^GSPC)+12.39%
1-Year Return
UWMC-76.25%
S&P 500 (^GSPC)+15.77%
3-Year Return
UWMC-52.56%
S&P 500 (^GSPC)+77.54%
5-Year Return
UWMC-54.91%
S&P 500 (^GSPC)+71.19%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/EMedian
10.2x
Forward P/EExpansion
6.4x
EV/EBITDA0th %ile
7.5x
FCF YieldCash Flow
N/A

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
10.2x
36.5x
50th· Fair
EV/EBITDA
7.5x
17.0x
0th· Low
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
$2.63B+85.8% YoY
Net income
$27M+90.1% YoY
Free cash flow
-$2.72B+56.7% YoY
Operating margin
69.7%+46.0 pts YoY
ROIC (TTM)8.9%
Avg ROIC 5Y-
ROE (TTM)1.5%
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)
Q3 2026Latest
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
Q4 2025
Nov 6, 2025
$0.01-86.9%
vs $0.08
$563M-14.0%
vs $655M
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

5 Stories
GlobeNewsWire·Aug 17, 2026
INVESTOR ACTION NOTICE: Moore Law PLLC Encourages Investors in UWM Holdings Corporation to Contact Law Firm

NEW YORK, Aug. 17, 2026 (GLOBE NEWSWIRE) -- What is the Investigation About ?

GlobeNewsWire·Aug 17, 2026
Kaplan Fox Encourages UWM Holdings Corporation (NYSE: UWMC) Investors with Significant Losses to Contact the Firm Before October 13, 2026

NEW YORK, Aug. 17, 2026 (GLOBE NEWSWIRE) -- 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.

GuruFocus·Aug 7, 2026
UWM's 35% Collapse Just Turned Into a Bigger Warning

UWM Holdings Corp. (UWMC, Financials), the parent of United Wholesale Mortgage, suffered its worst trading day on record after suspending its dividend and raisi

CNBC·Aug 6, 2026
United Wholesale Mortgage plunges 40% after suspending dividend and raising capital

"We're taking decisive action to make UWM stronger, more liquid and better positioned to win for years to come," CEO Mat Ishbia said in a statement.

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
$1.22$189.77M10.1785.84%1.04%1.5%100%
RKT logoRKTRocket Companies, Inc.
$12.15$34.31B-441.8222.99%4.8%2.4%—
PFSI logoPFSIPennyMac Financial Services, Inc.
$65.61$3.41B7.05339.48%13.68%9.14%—
GHLD logoGHLDGuild Holdings Company
$20.01$439.06M12.8360.87%9.71%10.27%—
LDI logoLDIloanDepot, Inc.
$0.67$225.41M-2.2455.3%-4.75%-18.63%—
PMT logoPMTPennyMac Mortgage Investment Trust
$8.73$761.28M8.82245.81%10.11%8.88%—

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, GHLD, LDI

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 85.8% over the past year. This is strong growth.

Is UWMC profitable?

UWM Holdings Corporation (UWMC) reported a net loss of $37.1M for fiscal year 2025.

Dividend & Returns
Does UWMC pay dividends?

Yes, UWM Holdings Corporation (UWMC) pays a dividend with a yield of 100.00%. This makes it attractive for income-focused investors.

What is UWMC's return on equity?

UWM Holdings Corporation (UWMC) has a return on equity (ROE) of 1.5%. This is below average, suggesting room for improvement.

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 →