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UWM Holdings Corporation UWMC

Financial — Mortgage Finance
Dividend Champion (5y)
Growth Flags show if company had growth for consecutive years

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Insider Decisions

Total sells
476.10
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — — — — — — — —
Sell 9 7 6 7 7 9 9 2 — — — —
Insider Ownership
2.16%

Capital & Financial Ratios

Market Cap
2,020.00
Revenue
2,237.30
Net Income
(104.96)
Free Cash Flow
(3,289.09)
Net Debt
14,142.10
Current Ratio
1.64
Debt/Equity
14.86
P/E ratio
0.00
P/S ratio
0.19
P/B ratio
0.43
Past 5Y EPS Growth
(277.33%)
This Y EPS Growth
60.05%
Next Y EPS Growth
78.16%
Next 5Y EPS Growth
54.78%
in millions of $

Dividends

Payout Ratio
5.71
Annual Dividend Rate
0.40
Annual Dividend Yield
5.81%
total individual payouts
2028 ‡‡‡‡
2027 ‡‡‡‡‡
2026 0.27
—
—
2025 0.40
—
—
—
—
2024 0.40
—
—
—
—
2023 0.40
—
—
—
—
2022 0.50
—
—
—
—
—
2021 0.50
—
—
—
—
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 497.47 507.34 503.36 498.41
Receivables 512.07 417.96 526.69 531.79
Inventory — — — —
Other 33.02 99.96 37.57 83.60
10,518.58 14,511.68 15,074.13 16,044.34
2023 2024 2025 Q'26
Payables 469.10 580.74 707.79 882.00
ST’ Debt 4,995.90 8,788.39 8,999.99 8,683.74
Other 40.78 35.97 26.57 33.57
5,665.36 9,564.92 9,895.65 9,759.71
in millions of $

Compound Annual Growth

10y 5y 3y
Sales — ‡‡‡‡‡ ‡‡‡‡‡
Cash Flow — ‡‡‡ ‡‡‡
Earnings — ‡‡‡‡‡ ‡‡‡‡‡
Book Value — ‡‡‡‡‡ ‡‡‡‡‡

Revenue

Mar Jun Sep Dec Year
’26 752.89 162.13 — —
—
’25 224.79 856.18 563.24 759.04
2,403.25
’24 569.96 507.09 526.43 560.21
2,163.69
’23 161.27 587.52 677.12 (114.58)
1,311.33
’22 821.79 564.23 684.17 302.43
2,372.63
’21 1,189.87 484.65 690.31 605.46
2,970.29
’20 455.46 830.65 1,834.20 1,818.29
4,938.59
in millions of $

Operating Cash Flow

Mar Jun Sep Dec Year
’26 (2,229.88) 344.04 — —
—
’25 593.90 (265.88) (3,079.34) 103.76
(2,647.56)
’24 (2,202.74) (1,317.18) (2,178.32) (543.26)
(6,241.49)
’23 1,992.92 (1,844.31) 345.90 (329.27)
165.24
’22 11,751.76 (391.06) (547.88) (2,544.64)
8,268.18
’21 2,637.02 (6,982.97) 592.10 (6,203.10)
(9,956.96)
’20 (636.09) 415.28 1,610.97 (1,333.75)
56.41
in millions of $

Free Cash Flow

Mar Jun Sep Dec Year
’26 (1,706.32) 592.96 — —
—
’25 1,517.54 360.31 (2,438.86) 263.12
(297.89)
’24 (915.85) (258.76) (1,947.47) (446.91)
(3,568.99)
’23 2,635.68 (1,418.71) 927.14 (161.65)
1,982.46
’22 12,359.19 (189.66) (206.02) (2,410.66)
9,552.85
’21 2,629.78 (7,005.31) 811.03 (6,193.82)
(9,758.32)
’20 (403.63) 420.17 1,587.74 (1,315.98)
288.29
in millions of $

EPS

Mar Jun Sep Dec Year
’26 0.09 (0.24) — —
—
’25 (0.12) 0.11 (0.01) 0.08
0.12
’24 0.09 0.03 (0.06) 0.02
0.13
’23 (0.13) 0.08 0.15 (0.29)
(0.14)
’22 0.22 0.09 0.13 (0.03)
0.45
’21 0.33 0.07 0.16 0.11
0.66
’20 0.01 0.00 (0.10) (0.02)
(0.12)

Target Price Range

High
‡‡‡‡‡
‡‡‡
Average
‡‡‡‡‡
‡‡‡
Low
‡‡‡‡‡
‡‡‡

Recommendation Rating

2.1
1
Buy
2
3
Hold
4
5
Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
— — — — ‡‡‡‡ ‡‡‡‡ 2.84 3.31 5.44 3.80 — — —
Low Price
— — — — ‡‡‡‡‡ ‡‡‡‡‡ 6.20 7.43 9.74 7.14 — — —
High Price
— — — ‡‡‡ ‡‡‡ ‡‡‡‡‡ 6,000 6,700 9,100 9,100 — — —
Employees
— — — ‡‡‡‡‡ ‡‡‡ ‡‡‡‡‡ 0.40 0.20 0.24 0.26 — — —
Revenue/Emp
— — — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2,372.63 1,311.33 2,163.69 2,403.25 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Revenue
— — — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 89.19% 82.00% 86.08% 85.25% — — —
Gross Margin
— — — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 934.67 (76.29) 335.96 250.90 — — —
EBT
— — — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 39.39% (5.82%) 15.53% 10.44% ‡‡‡ ‡‡‡ ‡‡‡
EBT Margin
— ‡‡‡ — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 931.86 (69.78) 329.38 244.02 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Net Income
— — — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 49.40 50.06 48.78 55.51 — — —
Depreciation
— — — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 25.66 14.06 19.43 11.37 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Revenue/Sh
— — — ‡‡‡ ‡‡‡‡‡ ‡‡‡‡ 0.45 (0.14) 0.13 0.13 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Earnings/Sh
— — — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 89.41 1.77 (56.04) (12.52) — — —
Cash Flow/Sh
— — — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 13.89 19.49 24.00 11.11 ‡‡‡ ‡‡‡ ‡‡‡
Capex/Sh
— — — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 103.30 21.26 (32.04) (1.41) — — —
Free CF/Sh
— — — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 34.30 26.54 18.44 7.54 ‡‡‡‡ — —
Book Value/Sh
— — — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 92.48 93.25 111.37 211.41 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Shares
— — — ‡‡‡ ‡‡‡ ‡‡‡‡‡ 7.39 0.00 48.92 43.80 ‡‡‡‡ ‡‡‡ ‡‡‡‡
PE Ratio
— — — ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.13 0.50 0.30 0.39 ‡‡‡ ‡‡‡ ‡‡‡
PS Ratio
— — — ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.10 0.26 0.32 0.58 ‡‡‡ ‡‡‡ ‡‡‡
PB Ratio
— — — ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 3.76 6.04 5.66 5.67 ‡‡‡‡ ‡‡‡ ‡‡‡‡
EV/Sales
— — — ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.94 4.00 (3.43) (45.75) — — —
EV/FCF
— — — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 8,268.18 165.24 (6,241.49) (2,647.56) ‡‡‡ ‡‡‡ ‡‡‡
Op' Cash Flow
— — — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1,284.67 1,817.22 2,672.50 2,349.66 — — —
Capex
— — — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 9,552.85 1,982.46 (3,568.99) (297.89) — — —
FCF
— — — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 5,564.86 4,853.22 4,946.76 5,178.48 — — —
Working Cap'
— — — ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 9,323.18 7,764.85 12,098.81 13,205.44 — — —
Total Debt
— — — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 8,618.28 7,267.38 11,591.47 12,702.07 — — —
Net Debt
— — — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 3,171.69 2,474.67 2,053.85 1,593.63 — — —
Sh' Equity
— — — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.23% (0.10%) 0.10% 0.17% — — —
ROA
— — — ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 6.70% 1.57% 3.76% 3.40% — — —
ROIC
— — — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.32% (0.47%) 0.64% 1.50% — — —
ROE
predictions in italic, sparklines do not include predictions

Analyst Commentary (Summary)

United Wholesale Mortgage (UWMC) has been a rollercoaster for investors, mirroring the mortgage industry’s feast-or-famine cycle. The top wholesale lender surged on the 2020-2021 refi boom with revenue exploding 286% to nearly $5 billion and sky-high margins, but cratered as rates soared—dropping 45% to $1.31 billion in 2023 amid losses and dilution from its SPAC debut. A impressive 65% revenue rebound to $2.16 billion in 2024 signals resilience, driven by purchase volumes and broker partnerships, with profitability flipping back positive and efficiency metrics improving.

Yet, the story tempers excitement: massive debt at $12 billion, book value down 62%, erratic cash flows, and explosive insider selling—over $446 million dumped by CEO Mat Ishbia and execs, with zero buys—raise red flags amid cheap valuations (PS 0.3x, PB 0.32x). The stock, volatile from $14 highs to $2.80 lows, lags the turnaround but trades at depressed multiples versus historical peaks.

Analysts forecast revenue growth accelerating to $3.78 billion by 2027 and 28% average upside (up to 105%), betting on rate cuts and UWM’s tech investments. But risks like dilution to 268 million shares, rate sensitivity, and insider caution make this a high-conviction value play for patient investors—dive into the full analysis for the numbers that could turn famine into feast.

Read full commentary →

UWM Holdings Corporation (UWMC) Latest News

News by impact score

Fine-tune

15 Sep

3 , 11:38 AM
One in four borrowers achieve better outcomes with VantageScore 4.0 at UWM Holdings, with the share projected to reach two in five soon. Improved credit scoring outcomes can modestly expand UWM's mortgage approval volume and borrower pool.

7 Sep

4 www.fool.com, 6:51 PM
UWM Holdings stock plunged 20% last month. 20% stock drop reflects material negative developments that can shift investor sentiment and alter near-term trajectory.

19 Aug

4 www.fool.com, 10:35 PM
UWM Holdings suspended its dividend and raised $2.05 billion from Oaktree after posting a $451.9 million quarterly loss. Dividend suspension plus large capital raise after heavy loss signals acute financial stress that will reshape operations and investor sentiment.

13 Aug

4 transcript www.fool.com, 10:49 AM
UWM Holdings (UWMC) Q2 2026 earnings call transcript covers financial results and business outlook. Earnings figures and management commentary in the transcript directly shape UWMC valuation and market trajectory.

10 Aug

4 , 2:10 AM
UWM Holdings Corporation suspended its dividend leading to evaluations that UWMC stock trades above fair value. Dividend suspension signals financial adjustments likely to alter investor sentiment and company trajectory substantially.

3 , 1:11 AM
UWM Holdings reported a loss, filed a shelf registration for potential equity or debt issuance, and completed a deal with Oaktree, leading to questions on whether the stock remains undervalued after these events. Loss reporting combined with shelf filing and new Oaktree deal signals capital needs that can shift near-term valuation and investor sentiment without fundamentally redefining long-term operations.

9 Aug

4 , 1:09 PM
UWM Holdings suspended its dividend and struck an Oaktree deal, triggering a 29.7% stock price decline. Dividend suspension and Oaktree deal mark major financial restructuring with direct effects on cash flow and valuation.

4 , 12:01 PM
UWM Holdings suspends dividend and secures $2 billion lifeline amid housing market pressures and mortgage rates at 1-year high. Dividend suspension plus $2 billion lifeline signal major financial strain that will alter performance trajectory.

3 transcript www.marketbeat.com, 10:04 AM
UWM Holdings Corporation reported Q2 earnings with updates on financial results, operational performance, and strategic outlook for the mortgage lender. Q2 earnings updates provide financial and strategic details that moderately influence near-term market sentiment and performance.

7 Aug

4 , 12:51 PM
UWM Holdings stock plunged 35 percent and triggered expanded warnings over the mortgage lender's viability, driven by rising rates, margin compression, and intensifying competition that threaten sustained losses and reduced market share. Sustained 35 percent equity collapse signals major strategic and financial pressure capable of altering UWMC's long-term trajectory and investor sentiment.

6 Aug

3 transcript app.moby.co, 5:23 PM
UWM Holdings Corporation held its Q2 2026 earnings call covering financial results, operational updates and forward guidance for the mortgage lender. Quarterly earnings calls typically disclose results and outlook that moderately influence near-term stock sentiment and valuation.

3 , 2:17 PM
UWM Holdings shares fell after swinging to a Q2 adjusted loss. Q2 adjusted loss directly triggered share price decline signaling negative market reaction to financial results.

3 , 5:43 AM
UWM Holdings shares fell pre-bell on a swing to Q2 adjusted loss. Q2 adjusted loss produced immediate pre-market share drop with moderate effects on near-term performance outlook.

5 Aug

4 , 4:05 PM
UWM Holdings Corporation announces $2.05 billion strategic capital partnership with Ishbia Family and Oaktree. Large-scale capital infusion bolsters UWMC financial resources and strategic outlook.

3 , 4:05 PM
UWM Holdings Corporation announced second quarter 2026 financial results. Quarterly earnings release details financial performance with potential to shift near-term market valuation.

30 Jul

3 , 10:00 AM
Analysts estimate UWM Holdings Corporation (UWMC) will report a decline in earnings. Expected earnings decline for UWM Holdings Corporation (UWMC) may pressure its stock price and investor sentiment.

14 Jul

3 www.fool.com, 12:30 PM
UWM Holdings dividend yield exceeds 19 percent but signals potential financial risks and unsustainability rather than a positive development for the mortgage lender. Cautionary note on high payout sustainability may weigh on near-term investor sentiment and valuation without altering core operations.

9 Jul

3 www.fool.com, 10:35 PM
UWM Holdings walked away from the Two Harbors bidding war, a move that may benefit shareholders by avoiding costly overpayment or integration risks. Avoiding the Two Harbors acquisition prevents potential overextension while preserving capital for UWM Holdings core mortgage operations.

3 , 1:27 PM
Keefe Bruyette upgraded UWM Holdings (UWMC) to Buy. Single analyst Buy upgrade may lift short-term UWMC sentiment and trading.

23 Jun

3 Insider Monkey, 11:36 AM
Higher interest rates are pressuring UWM Holdings Corporation (UWMC) outlook and future performance. Elevated rates directly constrain mortgage volumes and UWMC earnings trajectory.

22 Jun

4 Business Wire, 10:42 AM
UWMC urges TWO stockholders to reject the CCM Transaction to preserve the path to maximum value. Outcome of the CCM Transaction vote will determine UWMC strategic direction and shareholder value.

10 Jun

3 www.fool.com, 3:25 AM
Persistent high mortgage rates raise questions about UWM Holdings' ongoing ability to expand market share in the mortgage industry. High mortgage rates create sustained pressure on UWM's market share gains and competitive position.

8 Jun

4 Business Wire, 7:00 AM
TWO challenges UWMC to submit an all-cash offer with no stock component. All-cash offer challenge directly pressures UWMC acquisition strategy and valuation trajectory.

4 Jun

4 Business Wire, 5:21 PM
UWMC reaffirms commitment to acquire Two Harbors for $12.50 per share in cash with stock election. Reaffirmed acquisition proposal marks major strategic expansion likely to reshape UWMC operations and investor outlook.

30 May

4 Simply Wall St., 5:08 PM
UWM Holdings challenges its deal with Two Harbors while expanding in-house servicing operations, with analysis focused on resulting investor responses. Challenging deals and expanding core servicing operations constitute major strategic moves that can alter company trajectory and investor sentiment.

28 May

3 Business Wire, 1:07 PM
UWM Holdings Corporation (UWMC) issued a statement noting Two Harbors' second failure to obtain approval for the CCM Transaction. Repeated transaction approval failure may delay UWMC operational plans and affect short-term market perception.

22 May

3 Business Wire, 11:07 AM
UWM Holdings Corporation urges TWO stockholders to stand firm and vote against the CCM Transaction at the May 28 special meeting. Public opposition to the CCM transaction signals strategic positioning that may moderately shift market sentiment and influence UWMC's deal-related trajectory.

18 May

3 Business Wire, 10:00 AM
UWMC urges Two Harbors stockholders to vote against the CrossCountry transaction using the blue proxy card. Proxy campaign against the transaction may shift near-term investor views on UWMC positioning.

3 Simply Wall St., 8:14 AM
UWM Holdings contests a deal with Two Harbors as investors assess governance concerns and growth outlook for the mortgage lender. Contesting the deal spotlights governance issues that may sway investor views and affect UWM positioning without major operational overhaul.

14 May

3 Business Wire, 3:53 PM
UWM Holdings Corporation (UWMC) issues statement providing clarity on the latest disingenuous announcement by competitor Two Harbors. Response to competitor's disingenuous announcement influences competitive positioning and short-term market sentiment without fundamentally altering trajectory.
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