The earnings call highlighted strong production volumes, significant technological advancements with AI integration, and robust financial performance. However, there were concerns regarding potential declines in future production guidance and a decrease in MSR portfolio value, though these were overshadowed by overall positive achievements and strategic growth initiatives.

Company Guidance

During the second quarter of 2025, UWM Holdings Corporation reported strong financial performance and provided optimistic guidance for the future. The company achieved a production volume of $39.7 billion, marking its best quarter since 2021 and a nearly 20% increase from the previous year's second quarter. This included $12.4 billion in refinance volume and $27.3 billion in purchase originations. UWM reported a net income of $314.5 million and an adjusted EBITDA of $195.7 million, despite a $111 million decline in the fair value of its Mortgage Servicing Rights (MSRs). The gain on sale margin improved to 113 basis points, and the company's MSR portfolio reached $3.4 billion. For the third quarter, UWM projected production between $33 billion and $40 billion and raised its gain margin guidance to 100-125 basis points, reflecting confidence in market conditions and its strategic positioning. The company also highlighted the successful implementation of AI technologies, such as its AI-based underwriting system BOLT, and digital tools like ChatUWM and Mia, which are enhancing operational efficiency and broker-client engagement. UWM's strategic investments in technology and in-house servicing aim to drive future growth and maintain its leadership in the mortgage industry.

Record Production Volume

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

Significant Refinancing Volume

Achieved $12.4 billion in refinancing volume, doubling last year's second quarter and representing about 11% of the industry volume.

AI Technology Integration

Integrated AI-based systems like BOLT, ChatUWM, LEO, and Mia, enhancing efficiency and broker support.

Strong Financial Metrics

Reported net income of $314.5 million and adjusted EBITDA of $195.7 million. Gain on sale margin increased to 113 basis points.

Strategic Investments and Growth

Continued investments in technology, people, and processes, with a focus on scalability and preparing for market opportunities.

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	$4.16	$4.43	+6.49%
May 06, 2025	$4.58	$3.91	-14.63%
Feb 26, 2025	$6.21	$5.85	-5.80%
Nov 07, 2024	$6.15	$5.71	-7.15%

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.

Become an Expert with TipRanks Premium

What am I Missing?

Make informed decisions based on Top Analysts' activity

Know what industry insiders are buying

Get actionable alerts from top Wall Street Analysts

Find out before anyone else which stock is going to shoot up

Get powerful stock screeners & detailed portfolio analysis

Subscribe Now See Plans & Pricing