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UWMC stock logo

UWMC

UWM Holdings Corporation

$3.72
0.08
 (2.2%)
Exchange:  NYSE
Market Cap:  5.639B
Shares Outstanding:  0
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Financial – Mortgages
   
CEO:  Mathew R. Ishbia
Full Time Employees:  9100
Address: 
585 South Boulevard East
Pontiac
MI
48341
US
Website:  https://www.uwm.com
UWM 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.

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Revenue Segmentation

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EPS

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Earnings Call

Full text

Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2025/05/06 — Q1 quarter 2025

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue1,113,9491,905,8663,160,569
Gross Profit755,0171,371,6652,706,041
EBITDA-26,233384,734831,734
Operating Income-76,293335,9571,832,747
Net Income-13,23014,40427,380

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets11,871,85415,671,11616,928,676
Total Liabilities9,397,18313,617,26815,335,047
Total Stockholders Equity112,552161,5201,593,629
Total Debt8,727,72912,840,7400
Cash and Cash Equivalents497,468507,339503,364

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow165,244-6,241,495-2,647,557
Capital Expenditure-26,43400
Free Cash Flow138,810-6,241,495-2,647,557
Net Income-13,230329,375244,023
Net Change in Cash-207,4309,871-3,975

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2028Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)4,328,659.705Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)4,328,659.708Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)4,328,659.707Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)1,272,867.731Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)1,272,867.732Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)1,272,867.732Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)134,945.657Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)173,407.030Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)162,000Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)1,762,232.198Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)1,762,232.199Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)1,762,232.198Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)0.730Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)0.820Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)0.640Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)2Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)1Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
2.459B  ?P/S
 (TTM)
: 
2.52
?Net Income
 (TTM)
: 
14.404M  ?P/E
 (TTM)
: 
36.78
?Enterprise Value
 (TTM)
: 
19.878B  ?EV/FCF
 (TTM)
: 
-7.3
?Dividend Yield
 (TTM)
: 
0.1  ?Payout Ratio
 (TTM)
: 
13.62
?ROE
 (TTM)
: 
0.15  ?ROIC
 (TTM)
: 
0.04
?Net Debt
 (TTM)
: 
12.333B  ?Debt/Equity
 (TTM)
: 
72.37
?P/B
 (TTM)
: 
5.05  ?Current Ratio
 (TTM)
: 
0.67

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
8.86Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.


Calculate UWMC Intrinsic Value

Common questions about UWMC valuation

Is UWM Holdings Corporation (UWMC) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for UWM Holdings Corporation (UWMC) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is UWMC a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether UWMC trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is UWMC’s P/E ratio?

You can see UWMC’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for UWMC?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is UWMC a good long-term investment?

Whether UWMC fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

UWMC

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Trading Metrics:

Open: 3.58   Previous Close: —
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See in Nexus

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