The earnings call highlighted significant achievements in AI technology integration and strong financial performance, particularly in refinancing and production volumes. However, these positives were balanced by challenges such as a decline in the MSR portfolio value and concerns about future production volumes.

Company Guidance -

Q3 2025

During the second quarter of 2025 earnings call, UWM Holdings Corporation provided guidance for the upcoming third quarter, projecting production volumes between $33 billion and $40 billion. The company also increased its gain on sale margin guidance to 100 to 125 basis points, reflecting confidence in market conditions and strategic positioning. In the second quarter, UWM achieved a production volume of $39.7 billion, including $12.4 billion in refinance volume and $27.3 billion in purchase originations. The company reported a net income of $314.5 million and adjusted EBITDA of $195.7 million. UWM also highlighted its efforts in leveraging AI technologies, such as its AI-based underwriting system BOLT and AI assistant Mia, to enhance operational efficiency and broker support. The company maintained a strong liquidity position with $490 million in cash and $2.2 billion in total available liquidity, alongside an MSR portfolio of $3.4 billion. Looking ahead, UWM is focused on bringing servicing in-house by early 2026 to further enhance borrower experience and broker loyalty.

Best Quarter Since 2021

UWM closed $39.7 billion of production, nearly 20% higher than last year's second quarter, marking the best quarter since 2021.

AI-Driven Efficiency

UWM's AI-based underwriting system, BOLT, significantly increased loan processing efficiency, allowing UWM to process 2-3 times more loans per day than competitors.

Strong Refinancing Performance

Refinancing volume doubled compared to last year's second quarter, with UWM handling about 11% of industry volume despite owning only 2% of the servicing market.

Successful AI Implementations

The AI loan officer assistant, Mia, and other AI tools like ChatUWM and LEO have been effectively integrated, aiding brokers and improving customer engagement.

High Customer Satisfaction

97% of consumers working with a mortgage broker gave a 5-star review, demonstrating high customer satisfaction.

Strong Financial Performance

Net income for Q2 was $314.5 million with a gain on sale margin of 113 basis points, up significantly from the previous quarter.

Robust Liquidity Position

UWM reported strong liquidity with $490 million in cash and total available liquidity of $2.2 billion.

UWM Holding (UWMC) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

UWMC Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Nov 05, 2025	2025 (Q3)	0.08 / -	0.01	―	―	―
Aug 07, 2025	2025 (Q2)	0.06 / 0.16	0.04	300.00% (+0.12)	―
May 06, 2025	2025 (Q1)	0.05 / 0.04	0.083	-55.42% (-0.05)	―
Feb 26, 2025	2024 (Q4)	0.08 / 0.02	-0.23	109.13% (+0.25)	―
Nov 07, 2024	2024 (Q3)	0.08 / 0.01	0.03	-66.67% (-0.02)	―
Aug 06, 2024	2024 (Q2)	0.07 / 0.04	0.039	2.56% (<+0.01)	―
May 09, 2024	2024 (Q1)	0.05 / 0.08	0.049	69.39% (+0.03)	―
Feb 28, 2024	2023 (Q4)	0.04 / -0.23	0.012	-2016.67% (-0.24)	―
Nov 08, 2023	2023 (Q3)	0.06 / 0.03	0.16	-81.25% (-0.13)
Aug 09, 2023	2023 (Q2)	0.06 / 0.04	0.1	-61.00% (-0.06)	―

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

UWMC Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Aug 07, 2025	$4.22	$4.50	+6.64%
May 06, 2025	$4.65	$3.97	-14.62%
Feb 26, 2025	$6.31	$5.94	-5.86%
Nov 07, 2024	$6.24	$5.80	-7.05%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does UWM Holding (UWMC) report earnings?

UWM Holding (UWMC) is schdueled to report earning on Nov 05, 2025, After Close (Confirmed).

What is UWM Holding (UWMC) earnings time?

UWM Holding (UWMC) earnings time is at Nov 05, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is UWMC EPS forecast?

UWMC EPS forecast for the fiscal quarter 2025 (Q3) is 0.08.

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