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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 Framework: Banks & Lenders Mid Cap
UWM Holdings Corporation (UWMC), is a Mid Cap company, in the Mortgage Finance industry, last closed at $2.38, about 65.1% overvalued vs fair value, -43.1% 1Y return, placing in the top 25% of its sector.
USD 2.38
-0.42%
(Delayed)
• Vol 90d: 50.2%
Market Cap
$3.83B
Enterprise Value
$6.95B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Weak
Health
Fair
Efficiency
Fair
Valuation
Fair
Growth
Fair
Profitability
Weak
Health
Fair
Efficiency
Fair
Valuation
Fair
Completeness: 82%
Confidence: 82%
Updated: Mar 8
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 Jul 9 Ex-div: Jun 18
Earnings Aug 6 Estimated

Fair Value Snapshot

Bear Base Bull
$0
$1
$2
Current: $2.38 -65% 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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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
35
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
38
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

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

Banks (Regional & Diversified) vs Industry Peers 73% Coverage
Trade-Off Triangle Visualization A ternary plot showing UWMC's balance between Growth (39.6%), Profitability (13.0%), and Safety (47.4%). Growth 40% Safety 47% Profitability 13%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

65th percentile vs peers
66
Key Signals
Asset Growth YoY 32.0% 93p Equity Growth YoY 43.5% 96p EPS Growth YoY 1.91 94p NII Growth YoY -31.2% 2p
Strengths
  • Asset Growth YoY in top 20% of peers (32.0%, 93th percentile)
  • Equity Growth YoY in top 20% of peers (43.5%, 96th percentile)
  • EPS Growth YoY in top 20% of peers (1.91, 94th percentile)
  • Financial Leverage in top 20% of peers (100.50, 99th percentile)
  • D/E Ratio in top 20% of peers (21.68, 98th percentile)
Risks
  • NII Growth YoY in bottom 20% of peers (-31.2%)

Profitability

21th percentile vs peers
22
Key Signals
Strengths
Risks
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Safety

78th percentile vs peers
79
Key Signals
Strengths
Safety drilldowns are available to premium members.

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:

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  • 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
- - -
-65.1% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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