UWM Holdings Corporation (UWMC) AI Stock Analysis

UWM Holdings Corporation operates in the residential mortgage lending industry within the United States. Founded in 1986 and based in Pontiac, Michigan, the company specializes in originating mortgage loans through its wholesale channel. This framework enables it to facilitate mortgage transactions that primarily involve conforming loans as well as government loans. By utilizing its wholesale broker network, UWM Holdings provides financing solutions and loan origination services to homebuyers across the country.

Revenue increased from $1.11B in FY2023 to $1.91B in FY2024 and reached $3.16B in FY2025, representing a 65.8% increase in FY2025. Over the five years from FY2020 to FY2025, revenue posted a compound annual growth rate of -8.2%. Net income rose to $27.4M in FY2025 from $14.4M in FY2024, after posting a net loss of -$13.2M in FY2023. Operating margin reached 58.0% in FY2025. Over the trailing twelve months ended June 30, 2026, revenue stood at $2.93B with an operating margin of -111.0%. For the latest quarter ended June 30, 2026, quarterly revenue fell 70.6% year-over-year, while quarterly earnings grew 277.8%.

As of June 30, 2026, UWM Holdings held $498.4M in cash and short-term investments against total debt of $14.65B, resulting in net debt of $14.15B. Shareholders' equity was $133.7M, and total assets stood at $17.94B, producing a debt-to-equity ratio of 109.53 and a current ratio of 1.00. In FY2025, operating cash flow was -$2.65B and free cash flow was -$2.72B. Cash outlays during FY2025 included $74.0M in capital expenditures and $716.6M in dividends paid. The share count expanded by 130.8% over five years.

At $1.05 per share, UWM Holdings has a market capitalization of $1.69B and an enterprise value of $16.57B. The stock trades at a forward P/E of 3.1x, below the 10.8x median of its US-listed Financial Services peers. Its price-to-sales multiple is 0.6x versus the peer median of 3.2x, while EV to EBITDA is 22.1x compared to the peer median of 11.7x. The company has underperformed the broader market, declining 78.2% over the trailing one-year period compared to a 16.8% gain for the S&P 500 (SPY), and falling 77.9% over five years versus an 83.0% increase for SPY.

Wall Street coverage consists of 1 Strong Buy, 2 Buys, 7 Holds, 0 Sells, and 0 Strong Sells. The mean price target is $1.84, which sits 75.5% above the last close of $1.05. For the current fiscal year ending December 31, 2026, analysts estimate revenue of $2.24B and EPS of $0.14. For the next fiscal year, 6 analysts project revenue to expand 30.4% to $2.92B with EPS of $0.33. Over the last four quarters, the company topped EPS consensus estimates once. The next earnings release is scheduled for November 5, 2026.

This page is an AI-written research summary of UWM Holdings Corporation (UWMC). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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