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UWMC stock logo

UWMC

UWM Holdings Corporation

$2.48
-0.08
 (-3.13%)
Exchange:  NYSE
Market Cap:  3.759B
Shares Outstanding:  0
Delayed data
Calculate UWMC Intrinsic Value
5-year outlook →
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 is a U.S.-based enterprise specializing in the provision of residential mortgage financing. The company originates home loans predominantly through a wholesale distribution model, with its offerings primarily consisting of conforming and government-backed mortgages. Established in 1986, its corporate headquarters are situated 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.

2026/05/06 — Q1 quarter 2026

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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)3,596,529.635Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)3,920,679.638Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)3,758,604.637Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)1,057,580.597Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)1,152,898.804Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)1,105,239.701Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)131,668.840Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)147,389.105Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)139,528.973Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)1,464,176.155Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)1,596,140.229Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)1,530,158.192Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)0.660Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)0.700Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)0.620Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)4Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)2Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
2.459B  ?P/S
 (TTM)
: 
1.27
?Net Income
 (TTM)
: 
14.404M  ?P/E
 (TTM)
: 
11.4
?Enterprise Value
 (TTM)
: 
19.718B  ?EV/FCF
 (TTM)
: 
-3.55
?Dividend Yield
 (TTM)
: 
0.15  ?Payout Ratio
 (TTM)
: 
7.79
?ROE
 (TTM)
: 
0.34  ?ROIC
 (TTM)
: 
0.06
?Net Debt
 (TTM)
: 
12.333B  ?Debt/Equity
 (TTM)
: 
70.65
?P/B
 (TTM)
: 
3.3  ?Current Ratio
 (TTM)
: 
0

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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
6.20Full 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.

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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

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

-3.13
MARKETSnap

Trading Metrics:

Open: 2.58   Previous Close: 2.56
Day Low: 2.44   Day High: 2.66
Year Low: 2.44   Year High: 7.14
Price Avg 50: 3.39   Price Avg 200: 4.79
Volume: 27.359M   Average Volume: 19.779M

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See in Nexus

Relevant news

With Mortgage Rates Stuck High, Can UWM Holdings Keep Taking Market Share?
10-06-2026 03:05
With Mortgage Rates Stuck High, Can UWM Holdings Keep Taking Market Share?
UWMC Reaffirms Commitment to Premium Proposal to Acquire Two Harbors for $12.50 Per Share in Cash with Stock Election
04-06-2026 17:21
UWMC Reaffirms Commitment to Premium Proposal to Acquire Two Harbors for $12.50 Per Share in Cash with Stock Election
UWMC Issues Statement Regarding Second Failure of Two Harbors to Obtain Approval for CCM Transaction
28-05-2026 13:07
UWMC Issues Statement Regarding Second Failure of Two Harbors to Obtain Approval for CCM Transaction
UWMC Reminds Two Harbors Stockholders to Vote the Blue Proxy Card Against the Inferior CrossCountry Transaction Today
18-05-2026 10:00
UWMC Reminds Two Harbors Stockholders to Vote the Blue Proxy Card Against the Inferior CrossCountry Transaction Today
UWMC Responds to TWO Board's Latest Failing for TWO Stockholders
04-05-2026 16:51
UWMC Responds to TWO Board's Latest Failing for TWO Stockholders
UWMC Issues Open Letter to Two Harbors Stockholders Detailing New $12 Per Share Offer
30-04-2026 21:38
UWMC Issues Open Letter to Two Harbors Stockholders Detailing New $12 Per Share Offer

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