Uwm Holdings Corporation (UWMC)
NYSE:UWMC
Want to see UWMC full AI Analyst Report?
UWMC Stock Chart & Stats
$3.92
$0.13(2.33%)
At close: 4:00 PM EST
$3.92
$0.13(2.33%)
Day’s Range― - ―
52-Week Range$2.28 - $7.14
Previous CloseN/A
Volume1.31M
Average Volume (3M)22.07M
Market Cap
$3.76B
Enterprise Value$19.48B
Total Cash (Recent Filing)$424.00M
Total Debt (Recent Filing)$16.22B
Price to Earnings (P/E)10.7
Beta0.90
Next Earnings
Aug 11, 2026EPS Estimate
0.1Next Dividend Ex-DateN/A
Dividend Yield8.64%
Share Statistics
EPS (TTM)0.27
Shares Outstanding339,225,520
10 Day Avg. Volume24,654,229
30 Day Avg. Volume22,071,806
Financial Highlights & Ratios
PEG Ratio0.00
Price to Book (P/B)4.64
Price to Sales (P/S)0.29
P/FCF Ratio-0.34
Enterprise Value/Market Cap5.18
Enterprise Value/Revenue6.28
Enterprise Value/Gross Profit7.61
Enterprise Value/Ebitda18.90
Forecast
1Y Price Target
$5.14Price Target Upside31.01% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering9
EPS Forecast (FY)0.4
Revenue Forecast (FY)$3.34B
Bulls Say, Bears Say
Bulls Say
Broker Channel LeadershipSustained leadership in the wholesale broker channel gives UWM structural distribution advantages: deep broker relationships drive recurring loan flow, scale lowers unit costs, and a large pro-channel share supports pricing/negotiation leverage across market cycles, helping long-term revenue resilience.
In-house Servicing / MSR BuildBringing servicing in-house converts one-time origination gains into recurring servicing economics and MSR value retention. Over time this increases fee income stability, improves customer control and cross-sell opportunities, and reduces counterparty/service vendor risk if implementation succeeds.
AI Automation (Mia) Driving OriginationsAI-driven automation materially scales origination and retention efficiency, lowering servicing and acquisition costs per loan while capturing refinance flow. Persistent productivity gains from Mia can sustainably lift volumes and margins if model accuracy and compliance controls remain strong.
Bears Say
Extremely High LeverageVery high debt relative to equity constrains financial flexibility and raises refinancing and covenant risk. Leverage amplifies earnings volatility and limits ability to absorb margin compression or asset impairments, making capital structure a persistent structural vulnerability during adverse rate or credit swings.
Weak Cash GenerationMulti-year negative operating and free cash flow signals reliance on external funding and volatile earnings quality. Persistent cash deficits restrict reinvestment, burden liquidity planning for warehousing and servicing builds, and increase sensitivity to funding cost rises or disruptions in credit markets.
Deal / Governance Overhang (Two Harbors)A protracted, public takeover battle creates governance and execution risk: management distraction, legal/transaction costs, and potential capital commitments could divert resources from core operations and complicate strategic priorities, introducing an enduring overhang until resolved.
UWM Holding News
UWMC FAQ
What was Uwm Holdings Corporation’s price range in the past 12 months?
Uwm Holdings Corporation lowest stock price was $2.27 and its highest was $7.14 in the past 12 months.
What is Uwm Holdings Corporation’s market cap?
Uwm Holdings Corporation’s market cap is $3.76B.
When is Uwm Holdings Corporation’s upcoming earnings report date?
Uwm Holdings Corporation’s upcoming earnings report date is Aug 11, 2026 which is in 55 days.
How were Uwm Holdings Corporation’s earnings last quarter?
Uwm Holdings Corporation released its earnings results on May 06, 2026. The company reported $0.046 earnings per share for the quarter, missing the consensus estimate of $0.066 by -$0.02.
Is Uwm Holdings Corporation overvalued?
According to Wall Street analysts Uwm Holdings Corporation’s price is currently Undervalued.
Does Uwm Holdings Corporation pay dividends?
Uwm Holdings Corporation pays a Quarterly dividend of $0.1 which represents an annual dividend yield of 8.64%. See more information on Uwm Holdings Corporation dividends here
What is Uwm Holdings Corporation’s EPS estimate?
Uwm Holdings Corporation’s EPS estimate is 0.1.
How many shares outstanding does Uwm Holdings Corporation have?
Uwm Holdings Corporation has 339,225,520 shares outstanding.
What happened to Uwm Holdings Corporation’s price movement after its last earnings report?
Uwm Holdings Corporation reported an EPS of $0.046 in its last earnings report, missing expectations of $0.066. Following the earnings report the stock price went up 1.749%.
Which hedge fund is a major shareholder of Uwm Holdings Corporation?
Currently, no hedge funds are holding shares in UWMC
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
UWM Holding Stock Smart Score
Underperform
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$5.14 (31.01% Upside)
$5.14 (31.01% Upside)
Blogger Sentiment
Bullish
UWMC Sentiment 70%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 14.1M Shares
Last Quarter.
Last Quarter.
Crowd Wisdom
Very Negative
Last 7 Days ▼ 1.0%
Last 30 Days ▼ 2.5%
Last 30 Days ▼ 2.5%
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-38.54%
12-Months-Change
Fundamentals
Return on Equity
33.91%
Trailing 12-Months
Asset Growth
37.14%
Trailing 12-Months
Company Description
Uwm Holdings Corporation
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.
UWMC Company Deck
UWMC Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call conveyed a broadly positive operational and strategic outlook: strong quarterly volume (+~41% YoY), robust gain‑on‑sale margins (~123 bps), successful in‑house servicing transition efforts, rapid AI deployment (Mia) driving substantial closings and refis, a live BILT partnership, and productive VantageScore rollout. Management also highlighted expense stabilization and an ambitious five‑year $1.3 trillion originations target. Notable risks discussed include market rate volatility and competition, near‑term leverage/ratio fluctuations tied to MSR trades, uncertainty around the Two Harbors transaction, and potential consumer impacts from the trigger lead rule. Overall, the positives (strong growth, margin performance, technology/partnership wins, and clear multi‑year plan) materially outweigh the operational and execution risks noted.View all UWMC earnings summariesUWMC Stock 12 Month Forecast
Average Price Target
$5.14
▲(31.01% Upside)
Technical Analysis
Ownership Overview
0.82% Insiders
14.00% Mutual Funds
17.01% Other Institutional Investors
57.06% Public Companies and
Individual Investors