The earnings call highlighted UWM's strong operational performance, successful AI integration, and strategic financial management, with some challenges noted in fair value adjustments and leverage ratios. The positive aspects significantly outweigh the lowlights.

Company Guidance

In the third quarter of 2025, UWM Holdings Corporation showcased robust performance despite a challenging higher rate environment. The company locked a record $4.8 billion in a single day and achieved an impressive $41.7 billion in total loan production, surpassing its guidance. This included $25.2 billion in purchase loans and $16.5 billion in refinances. The gain margin was 130 basis points, slightly above the guidance provided. A standout achievement was the deployment of Mia, an AI loan officer assistant, which facilitated over 400,000 calls with an unexpected 40% answer rate, resulting in over 14,000 closed loans. The company also reported a net income of $12.1 million and adjusted EBITDA of $211.1 million. Looking forward, UWM expects fourth-quarter production between $43 billion and $50 billion, with gain margins raised to 105% to 130%. The company remains well-capitalized with $1.5 billion in total equity and plans to bring mortgage servicing in-house by early 2026.

Record Lock Day

UWM achieved an all-time record lock day in September with $4.8 billion in locks, showcasing their operational capacity and efficiency.

AI Integration Success

Mia, the generative AI loan officer assistant, made over 400,000 calls with a 40% answer rate, resulting in over 14,000 closings, surpassing expectations.

Strong Q3 Performance

Q3 production volume increased to $41.7 billion, with a gain margin of 130 basis points, indicating strong market performance.

Successful Bond Offering

UWM completed a $1 billion unsecured notes offering to manage debt and support growth, maintaining a strong liquidity position.

Consistent Purchase Business

UWM closed $25.2 billion in purchase loans, maintaining their position as a leader in the purchase market.

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
Mar 04, 2026	2025 (Q4)	0.09 / -	0.021	―	―	―
Nov 06, 2025	2025 (Q3)	0.08 / 0.07	0.01	590.00% (+0.06)	―
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)

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
Nov 06, 2025	$5.66	$5.09	-10.07%
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%

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 Mar 04, 2026, After Close (Confirmed).

What is UWM Holding (UWMC) earnings time?

UWM Holding (UWMC) earnings time is at Mar 04, 2026, 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 (Q4) is 0.09.

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