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UWMCUWM Holdings Corporation
$2.06$320M
Overview & Verdict
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UWMC logoUWM Holdings Corporation(UWMC)Earnings, Financials & Key Ratios

UWMC•NYSE
$2.06
17.2× P/E·Price updated Jul 7, 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
  • EBITDA$1.88B+389.4%
  • Net Income$27M+90.1%
  • EPS (Diluted)0.12-7.7%
  • Gross Margin85.62%+19.0%
  • EBITDA Margin59.57%+195.1%
  • Operating Margin57.99%+229.0%
  • Net Margin0.87%+14.6%
  • ROE1.5%+136.0%

UWMC Price & Volume

UWM Holdings Corporation (UWMC) stock price & volume — 10-year historical chart

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Cyclical Revenue Volatility Strains Capital Structure Resilience

Investment Thesis • Updated 2026Q1

VerdictNegative
Growth:Mixed
Profitability:Strained
Financial:Vulnerable
Cash Flow:Deteriorating
Primary Risk:High cyclical leverage risk

Key Thesis Takeaways

  • 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 position, the reliance on warehouse financing and thin equity buffers creates substantial risk for long-term capital sustainability.
  • Investors should monitor the company's ability to manage its 10.13 debt-to-equity ratio and the sustainability of dividend payments amidst recurring periods of negative operating cash flow.

Verdict Logic

the company's reliance on high leverage, with a debt-to-equity ratio of 10.13, combined with inconsistent cash generation, suggests significant risk to shareholder capital in a cyclical mortgage environment.

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%
TTM928.98%

EPS CAGR

10 Years-
5 Years-67.44%
3 Years-35.63%
TTM651.94%

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

Full history →
●Beat EPS 6/12 qtrs (50%)●Beat Revenue 5/12 qtrs (42%)
Q2 2026Latest
May 6, 2026
Metric
Actual
Est
EPS
$0.09+50.0%
$0.06
Rev
$753M+6.1%
$710M
Q1 2026
Feb 25, 2026
Metric
Actual
Est
EPS
$0.08-11.1%
$0.09
Rev
$759M-0.1%
$760M
Q4 2025
Nov 6, 2025
Metric
Actual
Est
EPS
$0.01-86.9%
$0.08
Rev
$471M-28.1%
$655M
Q3 2025
Aug 7, 2025
Metric
Actual
Est
EPS
$0.16+166.7%
$0.06
Rev
$785M+19.6%
$656M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestMay 6, 2026
$0.09vs $0.06+50.0%
$753Mvs $710M+6.1%
Q1 2026Feb 25, 2026
$0.08vs $0.09-11.1%
$759Mvs $760M-0.1%
Q4 2025Nov 6, 2025
$0.01vs $0.08-86.9%
$471Mvs $655M-28.1%
Q3 2025Aug 7, 2025
$0.16vs $0.06+166.7%
$785Mvs $656M+19.6%
Based on last 12 quarters of dataView full earnings history →

Latest UWMC News

Recent stock market news and headlines for UWM Holdings Corporation (UWMC)

Seeking Alpha·Jun 28, 2026
UWM Holdings: A Messy Situation But Deep Value And High Teens Yield Make Me Bullish

UWM Holdings has seen its shares fall to lifetime lows amid macro-driven and M&A headwinds. Q1 earnings results showed strong recovery as revenues soared and EPS beat expectations. UWM Holdings trades at just 5.4x forward earnings and offers a huge dividend that should be sustainable based on current EPS estimates.

GuruFocus·Jun 22, 2026
UWMC Reminds TWO Stockholders to Vote AGAINST the CCM Transaction to Preserve the Road to Maximum Value

UWM Holdings Corporation (“UWMC” or the “Company”) (NYSE: UWMC), today reaffirmed its commitment to acquire Two Harbors Investment Corp. (“Two Harbor

Business Wire·Jun 22, 2026
UWMC Reminds TWO Stockholders to Vote AGAINST the CCM Transaction to Preserve the Road to Maximum Value

PONTIAC, Mich. & NEW YORK--(BUSINESS WIRE)-- #UWMC--UWM Holdings Corporation (“UWMC” or the “Company”) (NYSE: UWMC), today reaffirmed its commitment to acquire Two Harbors Investment Corp. (“Two Harbors” or “TWO”) (NYSE: TWO) and issued a statement regarding the upcoming special meeting on June 23 to vote on TWO's proposed merger with CrossCountry Mortgage, LLC ("CrossCountry" or "CCM"), following the third adjournment. UWMC issued the following statement: “TWO stockholders have sent a clear message ov.

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
$2.06$320.43M17.1765.83%0.87%1.5%100%
RKT logoRKTRocket Companies, Inc.
$14.63$41.32B-532.0027.37%2.82%1.53%—
PFSI logoPFSIPennyMac Financial Services, Inc.
$81.11$4.23B8.72173.81%14.31%12.02%—
GHLD logoGHLDGuild Holdings Company
$20.01$439.06M12.8360.87%9.71%10.27%—
LDI logoLDIloanDepot, Inc.
$1.16$388.63M-3.8737.59%-5.42%-19.61%—
PMT logoPMTPennyMac Mortgage Investment Trust
$10.60$922.38M10.71103.82%13.83%7.06%—

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

UWMC SEC Filings & Documents

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

8-K Announcements

6
Material company update

Jun 3, 2026·SEC

Material company update

May 13, 2026·SEC

Material company update

May 12, 2026·SEC

10-K Annual Reports

2
FY 2026

Feb 25, 2026·SEC

FY 2025

Feb 26, 2025·SEC

10-Q Quarterly Reports

5
FY 2026

May 11, 2026·SEC

FY 2025

Nov 6, 2025·SEC

FY 2025

Aug 7, 2025·SEC

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UWMC Frequently Asked Questions

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

Growth & Financials
What is UWM Holdings Corporation's revenue?

UWM Holdings Corporation (UWMC) reported $3.10B in revenue for fiscal year 2025.

How fast is UWM Holdings Corporation growing?

UWM Holdings Corporation (UWMC) grew revenue by 65.8% over the past year. This is strong growth.

Is UWMC profitable?

Yes, UWM Holdings Corporation (UWMC) is profitable, generating $66.4M in net income for fiscal year 2025 (0.9% net margin).

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.

What is UWM Holdings Corporation's free cash flow?

UWM Holdings Corporation (UWMC) had negative free cash flow of $5.55B in fiscal year 2025, likely due to heavy capital investments.

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

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

See returns →