Last 26 quarters of trend data · Financial Services · Financial - Mortgages
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
UWM Holdings Corporation's quarterly P/E stands at 14.5x, down 94.5% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has compressed 89.2% YoY to 6.6x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 28.17 | 14.48 | — | 9.41 | — | 262.05 | — | 54.14 | 20.17 | — | 6.06 | 17.24 | — |
| — | -94.5% | — | -82.6% | — | — | — | +214.0% | — | — | +7.6% | +75.3% | — | |
| P/S Ratio | 0.17 | 0.30 | 0.72 | 0.27 | 1.30 | 0.48 | 0.46 | 0.37 | 0.33 | — | 0.18 | 0.24 | 0.99 |
| — | -37.6% | +54.7% | -27.5% | +292.9% | — | +153.4% | +52.8% | -66.5% | — | +71.1% | +47.0% | -58.7% | |
| P/B Ratio | 0.45 | 0.71 | 0.85 | 0.48 | 0.51 | 0.44 | 0.39 | 0.28 | 0.28 | 0.27 | 0.15 | 0.18 | 0.16 |
| — | +58.8% | +117.8% | +68.7% | +83.9% | +65.1% | +166.5% | +60.4% | +76.0% | +179.0% | +83.0% | +74.1% | -93.0% | |
| P/FCF | — | 3.43 | — | — | 0.36 | — | — | — | — | — | 0.33 | — | 0.06 |
| — | — | — | — | — | — | — | — | — | — | — | — | -62.6% | |
| EV / EBITDA | 7.68 | 6.57 | 139.91 | 8.45 | — | 60.77 | 68.62 | 27.89 | 12.41 | — | 6.46 | 9.04 | — |
| — | -89.2% | +103.9% | -69.7% | — | — | +961.5% | +208.4% | — | — | +35.3% | +32.2% | — | |
| EV / EBIT | 7.89 | 11.97 | 296.04 | 8.79 | — | 78.23 | 95.43 | 32.12 | 13.24 | — | 6.74 | 9.52 | — |
| — | -84.7% | +210.2% | -72.6% | — | — | +1316.3% | +237.3% | — | — | +35.9% | +31.8% | — |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
UWM Holdings Corporation's operating margin was 59.2% in Q4 2025, up 56.5 pp QoQ and up 50.3 pp YoY. The trailing four-quarter average of -14.4% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 24.1% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 85.6% | 86.4% | 70.8% | 81.7% | 19.1% | 69.6% | 65.7% | 72.8% | 79.0% | 155.9% | 82.9% | 83.1% | 38.7% |
| — | +24.1% | +7.6% | +12.2% | -75.9% | -55.4% | -20.7% | -12.3% | +104.2% | +199.0% | -4.8% | -4.8% | -57.5% | |
| Operating Margin | 58.0% | 59.2% | 2.7% | 42.0% | -161.4% | 8.8% | 7.0% | 17.2% | 35.5% | 288.6% | 48.7% | 42.5% | -120.9% |
| — | +569.3% | -61.7% | +144.7% | -554.3% | -96.9% | -85.6% | -59.6% | +129.4% | +1165.6% | -6.4% | -1.7% | -299.8% | |
| Net Margin | 0.9% | 2.1% | -0.3% | 2.9% | -8.5% | 1.9% | -1.4% | 0.7% | 1.7% | 16.7% | 2.9% | 1.4% | -10.3% |
| — | +10.2% | +80.4% | +330.0% | -602.9% | -88.8% | -146.6% | -51.4% | +116.3% | +15502.7% | +59.8% | -16.6% | -456.4% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 1.5% | 1.2% | -0.1% | 1.4% | -0.7% | 0.4% | -0.3% | 0.1% | 0.4% | -1.0% | 0.6% | 0.3% | -0.4% |
| — | +189.7% | +72.9% | +962.1% | -309.5% | +143.3% | -146.2% | -50.9% | +189.6% | -11481.0% | +70.8% | -0.8% | -157.1% | |
| ROA | 0.2% | 0.1% | -0.0% | 0.2% | -0.1% | 0.1% | -0.0% | 0.0% | 0.1% | -0.2% | 0.1% | 0.1% | -0.1% |
| — | +97.6% | +81.7% | +592.0% | -230.1% | +125.7% | -130.3% | -63.4% | +172.8% | -10122.7% | +45.0% | -14.9% | -174.4% | |
| ROIC | 8.9% | 2.6% | 0.1% | 1.9% | -1.4% | 0.2% | 0.2% | 0.5% | 1.2% | -3.1% | 1.9% | 1.6% | -0.9% |
| — | +1099.8% | -64.2% | +297.8% | -217.5% | +107.0% | -90.6% | -69.6% | +231.6% | -597.8% | -19.4% | -5.2% | -141.5% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
UWM Holdings Corporation's Debt/EBITDA ratio is 25.2x, down from 541.8x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 638.6% YoY to 0.67x, strengthening the short-term liquidity position.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 9.06 | 9.06 | 9.15 | 6.43 | 7.08 | 6.25 | 5.55 | 4.26 | 3.94 | 3.53 | 2.72 | 3.01 | 2.59 |
| — | +44.9% | +64.8% | +51.0% | +79.7% | +77.3% | +104.2% | +41.5% | +52.3% | +14.4% | +30.3% | +41.1% | +26.7% | |
| Debt / EBITDA | 7.67 | 25.19 | 541.84 | 32.78 | — | 235.64 | 269.70 | 111.79 | 49.22 | — | 26.74 | 36.64 | — |
| — | -89.3% | +100.9% | -70.7% | — | — | +908.7% | +205.1% | — | — | +29.4% | +21.6% | — | |
| Current Ratio | 0.67 | 0.67 | 0.12 | 0.13 | 0.10 | 0.09 | 0.12 | 0.15 | 0.15 | 0.18 | 0.17 | 0.14 | 0.21 |
| — | +638.6% | +3.8% | -13.7% | -34.1% | -47.9% | -29.8% | +7.3% | -28.6% | +8.7% | -26.4% | -42.7% | -28.0% | |
| Quick Ratio | 0.67 | 0.67 | 0.12 | 0.13 | 0.10 | 0.09 | 0.12 | 0.15 | 0.15 | 0.18 | 0.17 | 0.14 | 0.21 |
| — | +638.6% | +3.8% | -13.7% | -34.1% | -47.9% | -29.8% | +7.3% | -28.6% | +8.7% | -26.4% | -42.7% | -28.0% | |
| Interest Coverage | 1.47 | 2.17 | 0.10 | 2.47 | -2.17 | 0.30 | 0.23 | 0.71 | 1.87 | -5.80 | 3.22 | 2.79 | -2.21 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 26 years · Updated daily
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UWM Holdings Corporation's current P/E is 28.2x. The average P/E over the last 2 quarters is 11.9x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
UWM Holdings Corporation's current operating margin is 58.0%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking UWM Holdings Corporation's business trajectory between earnings reports.