UWM Holdings Corporation (UWMC) P/E Ratio History
UndervaluedTrading at 10.2x vs 5Y avg 41.8x · 50th percentile · Below historical baseline · Data 2020–2026
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P/E Ratio Analysis
As of September 25, 2026, UWM Holdings Corporation (UWMC) trades at a price-to-earnings ratio of 10.2x, with a stock price of $1.22 and trailing twelve-month earnings per share of $-0.18.
The current P/E is 76% below its 5-year average of 41.8x. Over the past five years, UWMC's P/E has ranged from a low of 0.2x to a high of 225.0x, placing the current valuation at the 50th percentile of its historical range.
Compared to the Financial Services sector median P/E of 14.0x, UWMC trades at a 28% discount to its sector peers. The sector includes 804 companies with P/E ratios ranging from 0.0x to 149.4x.
Relative to the broader market, UWMC trades at a notable discount to the S&P 500 median P/E of 24.8x. Investors should consider the company's growth prospects, competitive position, and earnings quality when evaluating whether the current valuation is justified.
For a comprehensive intrinsic value estimate using discounted cash flow analysis, see our UWMC DCF Valuation Calculator →
Note: P/E ratio is just one valuation metric. It does not account for balance sheet strength, cash flow quality, or growth sustainability. Always conduct comprehensive due diligence before making investment decisions.
UWMC Cross-Benchmark Valuation
How does the current P/E compare to sector peers and the broader market?
UWMC P/E vs Peers
Consumer mortgage originators and brokers peers sorted by market cap
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $3B | 7.0Lowest | - | +59% | |
| $439M | 12.8 | 0.17Best | +344% | |
| $737M | 8.5 | 0.29 | -28% | |
| $8B | 8.7 | 0.75 | +23% | |
| $6B | 9.3 | 0.76 | +1% | |
| $89B | 27.2 | 3.06 | +21% | |
| $4B | 12.7 | - | +262% | |
| $7B | 10.9 | - | +376%Best |
Lower P/E can signal a discount or weaker growth expectations; PEG adds growth context.
UWMC Historical P/E Data (2020–2026)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Period End | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2026 Q1 | - | $3.62 | $0.27 | 13.4x | -66% |
| FY2025 Q4 | Dec 31 2025 | $4.38 | $0.09 | 48.1x | +21% |
| FY2025 Q3 | - | $6.09 | $0.08 | 73.0x | +83% |
| FY2025 Q2 | Jun 30 2025 | $4.14 | $0.03 | 142.3x | +256% |
| FY2024 Q4 | - | $5.87 | $0.13 | 45.2x | +13% |
| FY2024 Q2 | Jun 30 2024 | $6.93 | $0.03 | 225.0x | +464% |
| FY2024 Q1 | Mar 31 2024 | $7.26 | $0.08 | 90.8x | +127% |
| FY2023 Q3 | Sep 30 2023 | $4.85 | $0.15 | 32.7x | -18% |
| FY2023 Q2 | Jun 30 2023 | $5.60 | $0.08 | 71.6x | +79% |
| FY2023 Q1 | Mar 31 2023 | $4.91 | $0.09 | 56.4x | +41% |
| FY2022 Q4 | Dec 31 2022 | $3.31 | $0.44 | 7.6x | -81% |
| FY2022 Q3 | Sep 30 2022 | $2.93 | $0.54 | 5.4x | -86% |
| FY2022 Q2 | - | $3.54 | $0.57 | 6.2x | -84% |
| FY2022 Q1 | - | $4.53 | $0.55 | 8.3x | -79% |
| FY2021 Q4 | Dec 31 2021 | $5.92 | $0.66 | 9.0x | -77% |
| FY2021 Q3 | - | $6.95 | $13.87 | 0.5x | -99% |
| FY2021 Q2 | Jun 30 2021 | $8.45 | $27.78 | 0.3x | -99% |
| FY2021 Q1 | Mar 31 2021 | $7.93 | $32.94 | 0.2x | -99% |
| FY2020 Q4 | - | $13.13 | $32.81 | 0.4x | -99% |
| FY2020 Q3 | Sep 30 2020 | $10.31 | $20.94 | 0.5x | -99% |
| FY2020 Q2 | - | $10.14 | $7.20 | 1.4x | -96% |
Average P/E for displayed period: 39.9x
UWMC Chart Terminal
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Intrinsic Valuation
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Historical Returns
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Peer Comparison
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UWMC — Frequently Asked Questions
Quick answers to the most common questions about buying UWMC stock.
What is UWMC's P/E ratio?
UWM Holdings Corporation (UWMC) trailing twelve-month P/E ratio is 10.2x, based on TTM diluted EPS of $-0.18. The 5-year average P/E is 41.8x and the historical range spans 0.2x to 225.0x.
Is UWMC stock overvalued or undervalued?
UWMC trades at 10.2x P/E, below its 5-year average of 41.8x. At the 50th percentile of its historical range (0.2x–225.0x), the stock is priced at a discount to its own history.
Is UWMC stock expensive?
No, UWMC is not expensive on a historical basis. The current P/E of 10.2x is below the 5-year average of 41.8x and sits at the 50th percentile of its valuation range.
What is UWMC's historical P/E range?
Over the past 5 years, UWMC's P/E ratio has ranged from 0.2x to 225.0x, with a median of 13.4x and an average of 41.8x. The current P/E of 10.2x places the stock at the 50th percentile of this range. Full historical data spans 2020–2026.
How does UWMC's P/E compare to the S&P 500?
UWMC trades at 10.2x P/E versus the S&P 500 median of 24.8x. The 59% discount to the market suggests lower growth expectations or perceived higher risk.
How does UWMC's valuation compare to Financial Services peers?
UWM Holdings Corporation P/E of 10.2x compares to the Financial Services sector median of 14.0x. The discount suggests lower growth expectations, weaker margins, or higher perceived risk relative to peers. See the peer comparison table on this page for ticker-by-ticker P/E and PEG.
What is UWMC's PEG ratio?
UWMC PEG ratio is N/A, based on a P/E of 10.2x and EPS growth of -7.7%. PEG normalises P/E by growth and helps compare stocks with different earnings trajectories.
What is UWMC's earnings yield?
UWMC earnings yield is 9.84%, the inverse of its 10.2x P/E ratio. Earnings yield represents the percentage of each dollar invested that the company earns. It can be compared directly to bond yields to assess relative attractiveness of stocks versus fixed income.