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Company Analysis

UWM Holdings Corporation UWMC

A comprehensive view of key metrics, scores, and financial health for UWM Holdings Corporation

Overview of UWM Holdings Corporation

UWMC NYQ
Financial Services Mortgage Finance Mid Cap
UWM Holdings Corporation (UWMC), is a Mid Cap company, in the Mortgage Finance industry, last closed at $3.66, about 77.3% overvalued vs fair value, -41.0% 1Y return, placing in the top 25% of its sector.
$3.66
-2.14%
As of March 13, 2026
Previous close • Vol 90d: 63.6%
Market Cap
$6.18B
Enterprise Value
$9.30B
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.uwm.com
HQ Pontiac, MI
Employees 9,100
Fiscal year Dec 31

Next Events

Dividend Apr 9 Ex-div: Mar 19
Earnings May 5 Estimated

Fair Value Snapshot

Bear Base Bull
$0
$1
$2
Current: $3.66 -77% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$508.6M
46.9%%
Interest Expense
$490.8M
Net Interest Income
$17.9M
-31.2%%
Total Revenue
$1.4B
78.3%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
8.9%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$39.7M
275.9% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating UWM Holdings Corporation's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
55
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
56
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Generic Industrial / Default vs Industry Peers 65% Coverage
Trade-Off Triangle Visualization A ternary plot showing UWMC's balance between Growth (42.7%), Profitability (21.8%), and Safety (35.5%). Growth 43% Safety 35% Profitability 22%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

66th percentile vs peers
66
Key Signals
Rev Growth YoY 78.3% 94p EPS Growth YoY 1.91 81p EPS CAGR 3Y 28.2% 72p Revenue CAGR 3Y -17.6% 22p TSR -21.6% 50p
Strengths
  • Rev Growth Yoy in top 20% of peers (78.3%, 94th percentile)
  • Eps Growth Yoy in top 20% of peers (1.91, 81th percentile)
  • Growth above peer median with strong metric coverage (100%)
  • Conservative leverage compared to industry peers
Risks

No significant risks identified for this axis.

Profitability

33th percentile vs peers
34
Key Signals
Strengths
Risks
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Safety

54th percentile vs peers
55
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for UWM Holdings Corporation.

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$0.83
- - -
-77.3% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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