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UWM Holdings Corporation

UWMC Financial Mortgage Finance

In the quarter to June 2026, revenue fell 81.1%, EPS fell 318.2%, free cash flow grew 64.6% and total debt rose 38.4%, each against the same quarter a year earlier. Dividend growth for five consecutive years.

1.05 0.10 −8.70%
Market cap
$1.9B
P/E
0.0×
Fwd P/E
5.8×
Dividend yield
28.6%
F-score
3/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total sells 399.36
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — — — — — — — — — —
Sell 7 6 7 7 9 9 2 — — — — —
Insider Ownership 8.67%

Capital & Financial Ratios $m

Market Cap 1,850.00
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
Fwd P/E 5.79
P/S ratio 0.16
P/B ratio 0.36
Past 5Y EPS Growth —
This Y EPS Growth 68.95% (at or above 15%: strong)
Next Y EPS Growth 34.65% (at or above 15%: strong)
Next Y revenue growth (6.38%) (below 0%: weak)
Next 5Y EPS Growth 38.19% (at or above 15%: strong)

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/S against its own 10 years 28.11%
10-year low 10-year high
P/B against its own 10 years 65.30%
10-year low 10-year high

Dividends

Payout Ratio —
Annual Dividend Rate 0.30
Annual Dividend Yield 28.57%
total individual payouts
2028 Powerpack
2027 Powerpack
2026 0.25
0.10
0.10
2025 0.40
0.10
0.10
0.10
0.10
2024 0.40
0.10
0.10
0.10
0.10
2023 0.40
0.10
0.10
0.10
0.10
2022 0.50
0.10
0.10
0.10
0.10
0.10
2021 0.50
0.20
0.10
0.10
0.10
predictions special payouts not included in total or ratios

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 497 507 503 498
Receivables 512 418 527 532
Inventory — — — —
Other 33 100 38 84
10,519 14,512 15,074 16,044
2023 2024 2025 Q'26
Payables 469 581 708 882
ST’ Debt 4,996 8,788 9,000 8,684
Other 41 36 27 34
5,665 9,565 9,896 9,760

Compound Annual Growth %

10y 5y 3y
Sales — (13.42%) 0.43%
Cash Flow — 0.00% 0.00%
Earnings — (61.84%) (13.09%)
Book Value — (7.66%) (20.50%)

Revenue $m

Mar Jun Sep Dec Year
’26 753 162 — — —
’25 225 856 563 759 2,403
’24 570 507 526 560 2,164
’23 161 588 677 — 1,311
’22 822 564 684 302 2,373
’21 1,190 485 690 605 2,970
’20 455 831 1,834 1,818 4,939
Fiscal quarters ending in the months shown.
value withheld pending a data check

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 (2,230) 344 — — —
’25 594 (266) (3,079) 104 (2,648)
’24 (2,203) (1,317) (2,178) (543) (6,241)
’23 1,993 (1,844) 346 (329) 165
’22 11,752 (391) (548) (2,545) 8,268
’21 2,637 (6,983) 592 (6,203) (9,957)
’20 (636) 415 1,611 (1,334) 56
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 (1,706) 593 — — —
’25 1,518 360 (2,439) 263 (298)
’24 (916) (259) (1,947) (447) (3,569)
’23 2,636 (1,419) 927 (162) 1,982
’22 12,359 (190) (206) (2,411) 9,553
’21 2,630 (7,005) 811 (6,194) (9,758)
’20 (404) 420 1,588 (1,316) 288
Fiscal quarters ending in the months shown.

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)
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2.5
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low — — — — 9.78 5.41 2.84 3.31 5.44 3.80

Analyst estimates 2026–2028

Powerpack
High — — — — 14.38 13.83 6.20 7.43 9.74 7.14
People
People Employees — — — 3 0 8,000 6,000 6,700 9,100 9,100
Revenue/emp, $m — — — 426.14 0.00 0.37 0.40 0.20 0.24 0.26
Income, $m
Income, $m Revenue — — — 1,278 4,939 2,970 2,373 1,311 2,164 2,403
Gross margin, % — — — 94.89 97.46 93.88 89.19 82.00 86.08 85.25
EBT — — — 415 3,385 1,578 935 (76) 336 251
EBT margin, % — — — 32.47 68.54 53.13 39.39 (5.82) 15.53 10.44
Net income — 0 — 415 3,383 1,568 932 (70) 329 244
Depreciation — — — 129 571 38 49 50 49 56
Per share, $
Per share, $ Revenue — — — 24.12 98.77 29.44 25.66 14.06 19.43 11.37
Earnings — — — 0.00 (0.17) 0.98 0.45 (0.14) 0.13 0.13
Cash flow — — — (65.96) 1.13 (98.70) 89.41 1.77 (56.04) (12.52)
Capex — — — 10.89 4.64 1.97 13.89 19.49 24.00 11.11
Free cash flow — — — (55.07) 5.77 (96.73) 103.30 21.26 (32.04) (1.41)
Book value — — — 0.00 47.49 31.43 34.30 26.54 18.44 7.54
Shares, m — — — 53 50 101 92 93 111 211
Valuation, ×
Valuation, × P/E — — — 0.00 0.00 6.10 7.39 0.00 48.92 43.80
P/S — — — 0.00 0.14 0.20 0.13 0.50 0.30 0.39
P/B — — — 0.00 0.29 0.19 0.10 0.26 0.32 0.58
EV/Sales — — — 0.00 1.53 6.05 3.76 6.04 5.66 5.67
EV/FCF — — — 0.00 26.18 (1.84) 0.94 4.00 (3.43) (45.75)
Cash, $m
Cash, $m Operating cash flow — — — (3,496) 56 (9,957) 8,268 165 (6,241) (2,648)
Capex — — — 577 232 199 1,285 1,817 2,673 2,350
Free cash flow — — — (2,919) 288 (9,758) 9,553 1,982 (3,569) (298)
Balance, $m
Balance, $m Working capital — — — 0 3,330 4,795 5,565 4,853 4,947 5,178
Total debt — — — 0 8,074 18,112 9,323 7,765 12,099 13,205
Net debt — — — 0 6,850 17,381 8,618 7,267 11,591 12,702
Shareholders’ equity — — — 0 2,374 3,171 3,172 2,475 2,054 1,594
Returns, %
Returns, % ROA — — — 201,239.76 58.86 0.58 0.23 (0.10) 0.10 0.17
ROIC — — — 0.00 24.07 5.66 6.70 1.57 3.76 3.40
ROE — — — 16,602.28 284.93 3.55 1.32 (0.47) 0.64 1.50
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

UWM Holdings Corporation vs peers in Mortgage Finance (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
RKT Rocket Companies, Inc. $31.4B 71.9× 23.0× +91.87% (above 0%: growing) n/m +69.17% (above 0%: growing) 100.00% 23.53% Compare
PFSI PennyMac Financial Services, Inc. $3.2B 8.0× 7.8× +11.75% (above 0%: growing) −84.09% (below 0%: shrinking) +1,600.30% (above 0%: growing) 72.56% 12.19% Compare
UWMC UWM Holdings Corporation $1.9B — (loss-making) 5.8× −81.06% (below 0%: shrinking) n/m +64.57% (above 0%: growing) 24.81% (192.94%)
WD Walker & Dunlop, Inc. $1.1B 29.1× 14.3× −3.93% (below 0%: shrinking) −91.00% (below 0%: shrinking) +584.98% (above 0%: growing) 46.88% 5.65% Compare
VEL Velocity Financial, Inc. $584.7M 5.3× 12.1× +34.05% (above 0%: growing) −7.25% (below 0%: shrinking) −3.27% (below 0%: shrinking) 0.00% 0.00% Compare
ONIT Onity Group Inc. $222.8M 1.5× 6.2× +14.72% (above 0%: growing) n/m −9.61% (below 0%: shrinking) 100.00% 25.95% Compare
BETR Better Home & Finance Holding Company $204.6M — (loss-making) — (loss-making) +25.81% (above 0%: growing) n/m +136.12% (above 0%: growing) 89.80% 0.00% Compare
LDI loanDepot, Inc. $191.7M — (loss-making) — (loss-making) +19.39% (above 0%: growing) n/m +589.11% (above 0%: growing) 87.77% 10.45% Compare
GHI Greystone Housing Impact Investors LP $115.2M — (loss-making) 3.2× −7.10% (below 0%: shrinking) n/m −92.85% (below 0%: shrinking) 93.66% 60.90% Compare
Median of peers $403.8M 8.0× 10.0× +17.05% −84.09% +102.65% 88.79% 11.32%

All 14 Mortgage Finance stocks →

UWM Holdings Corporation (UWMC) key facts

  • UWM Holdings Corporation (UWMC) is a Mortgage Finance company in the Financial sector, listed on the New York Stock Exchange.
  • As of October 16, 2026, UWMC traded at $1.05, a market capitalization of $1.9 billion.
  • UWM Holdings Corporation pays an annual dividend of $0.30 per share, a yield of 28.6%.
  • Return on equity was 1.50% and debt-to-equity 14.86.
  • Its Piotroski F-score is 3 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

UWM Holdings Corporation (UWMC) Latest News

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stockrow.com/UWMC · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com