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Uwm Holdings Corporation (UWMC)
NYSE:UWMC
Earnings Data
Report Date
May 12, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.06Last Year’s EPS
0.04Same Quarter Last Year
Moderate Buy
Based on 7 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Neutral
The call conveyed strong operational performance and strategic momentum — including significant originations growth, rising revenue, robust servicing income, and clear strategic initiatives (bringing servicing in-house, BUILT partnership, pending Two Harbors acquisition) that should support long-term growth. However, GAAP profitability was pressured by large MSR write-downs (totaling $435 million for the year) and full-year net income declined ~25.8% versus 2024. Liquidity showed quarter-to-quarter timing variability and management did not take questions on the call. Overall, positive growth and strategic catalysts are tempered by near-term accounting-driven earnings pressure and execution/clarity considerations.Company Guidance
Sustained Market Leadership
Maintained top industry positions: fourth consecutive year as the #1 overall lender in the U.S. and eleventh consecutive year as the #1 wholesale lender, underscoring market dominance and consistency.
Strong Originations Growth
Full-year originations of $163.4 billion, up 17% year-over-year; fourth-quarter originations of $49.6 billion, up 28% year-over-year, reflecting robust production momentum.
Revenue and Profitability Expansion (Adjusted)
Reported Q4 total revenue of $945 million (up from $843 million in Q3) and full-year revenue of $3.2 billion, up ~18.5% versus 2024. Adjusted EBITDA exceeded $697 million for the year and was $232.8 million in Q4.
Servicing Business Strength
Servicing UPB of ~ $241 billion with a fair value of $4.1 billion. Net servicing income was $186 million in Q4 (up ~10.1% from Q3's $169 million) and $725 million for the year (up ~13.8% from $637 million in 2024).
Improved Quarterly Profitability
Q4 net income of $164.5 million, a substantial improvement from Q3 net income of $12.1 million, indicating strong quarter-over-quarter recovery and operating leverage.
Solid Capital and Liquidity Position
Total equity of $1.6 billion and available liquidity of $1.8 billion at quarter-end, with management stating leverage and liquidity ratios remained consistent with Q3 and expected to be further enhanced upon completion of the Two Harbors acquisition.
Strategic Initiatives and Long-Term Growth Drivers
Progress on bringing servicing in-house via the BUILT partnership and the pending Two Harbors acquisition positioned as strategic inflection points — expected to improve recapture rates, lower cost per recaptured loan, provide data-driven personalization for brokers, create a closed-loop platform, and leverage AI to reduce expenses while increasing production.
UWMC Earnings History
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 |
|---|---|---|---|
Feb 25, 2026 | $4.56 | $4.16 | -8.77% |
Nov 06, 2025 | $5.54 | $4.98 | -10.11% |
Aug 07, 2025 | $4.07 | $4.34 | +6.63% |
May 06, 2025 | $4.48 | $3.83 | -14.51% |
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 Holdings Corporation (UWMC) report earnings?
Uwm Holdings Corporation (UWMC) is schdueled to report earning on May 12, 2026, After Close (Confirmed).
What is Uwm Holdings Corporation (UWMC) earnings time?
Uwm Holdings Corporation (UWMC) earnings time is at May 12, 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 2026 (Q1) is 0.06.