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UWM Holding (UWMC)
NYSE:UWMC
US Market

UWM Holding (UWMC) Ratios

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UWM Holding Ratios

UWMC's free cash flow for Q4 2025 was $0.86. For the 2025 fiscal year, UWMC's free cash flow was decreased by $ and operating cash flow was $0.33. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
0.67 0.67 0.09 0.18 0.16
Quick Ratio
0.67 0.67 0.09 0.18 0.16
Cash Ratio
0.16 0.16 0.05 0.07 0.09
Solvency Ratio
<0.01 <0.01 <0.01 <0.01 <0.01
Operating Cash Flow Ratio
-0.82 -0.82 -0.62 0.02 1.07
Short-Term Operating Cash Flow Coverage
-0.82 -0.82 -0.63 0.03 1.10
Net Current Asset Value
$ -13.17B$ -13.17B$ -12.69B$ -8.21B$ -9.18B
Leverage Ratios
Debt-to-Assets Ratio
0.85 0.85 0.82 0.74 0.72
Debt-to-Equity Ratio
72.37 72.37 79.50 77.54 68.12
Debt-to-Capital Ratio
0.99 0.99 0.99 0.99 0.99
Long-Term Debt-to-Capital Ratio
0.98 0.98 0.95 0.95 0.94
Financial Leverage Ratio
84.85 84.85 97.02 105.48 94.74
Debt Service Coverage Ratio
0.12 0.22 0.04 >-0.01 0.13
Interest Coverage Ratio
1.21 3.45 0.68 -0.24 3.05
Debt to Market Cap
0.36 2.15 2.70 1.32 3.23
Interest Debt Per Share
58.27 70.81 119.70 97.03 109.07
Net Debt to EBITDA
30.98 16.76 32.06 -313.74 9.22
Profitability Margins
Gross Profit Margin
77.12%85.62%71.97%67.78%84.33%
EBIT Margin
16.75%24.73%17.63%-6.85%43.54%
EBITDA Margin
19.04%26.32%20.19%-2.35%45.84%
Operating Profit Margin
27.13%57.99%17.63%-6.85%43.54%
Pretax Profit Margin
10.62%7.94%17.63%-6.85%43.54%
Net Profit Margin
1.16%0.87%0.76%-1.19%1.94%
Continuous Operations Profit Margin
10.33%7.72%17.28%-6.26%43.41%
Net Income Per EBT
10.91%10.91%4.29%17.34%4.46%
EBT Per EBIT
39.16%13.69%100.00%100.00%100.00%
Return on Assets (ROA)
0.16%0.16%0.09%-0.11%0.31%
Return on Equity (ROE)
15.25%13.72%8.92%-11.75%29.06%
Return on Capital Employed (ROCE)
4.67%13.36%6.08%-1.50%16.00%
Return on Invested Capital (ROIC)
3.68%10.53%2.14%-0.60%6.96%
Return on Tangible Assets
0.21%0.21%0.12%-0.17%0.46%
Earnings Yield
2.98%2.96%2.20%-1.98%13.63%
Efficiency Ratios
Receivables Turnover
1.42 1.90 4.56 2.18 5.60
Payables Turnover
0.00 0.00 3.06 2.14 2.42
Inventory Turnover
0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
7.99 10.69 7.24 4.06 7.18
Asset Turnover
0.14 0.19 0.12 0.09 0.16
Working Capital Turnover Ratio
-0.42 -0.62 -0.26 -0.18 -0.19
Cash Conversion Cycle
256.52 191.71 -39.41 -2.64 -85.38
Days of Sales Outstanding
256.52 191.71 80.04 167.79 65.15
Days of Inventory Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
0.00 0.00 119.45 170.43 150.52
Operating Cycle
256.52 191.71 80.04 167.79 65.15
Cash Flow Ratios
Operating Cash Flow Per Share
-10.31 -12.52 -56.04 1.77 89.41
Free Cash Flow Per Share
-10.59 -12.52 -56.39 1.49 89.12
CapEx Per Share
0.29 0.00 0.35 0.28 0.29
Free Cash Flow to Operating Cash Flow
1.03 1.00 1.01 0.84 1.00
Dividend Paid and CapEx Coverage Ratio
-5.92 -3.69 -78.82 2.59 10.15
Capital Expenditure Coverage Ratio
-35.75 0.00 -158.19 6.25 310.66
Operating Cash Flow Coverage Ratio
-0.18 -0.18 -0.49 0.02 0.85
Operating Cash Flow to Sales Ratio
-1.12 -0.84 -3.27 0.15 3.85
Free Cash Flow Yield
-50.22%-285.92%-960.73%20.82%2692.51%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
34.62 33.82 45.39 -50.39 7.34
Price-to-Sales (P/S) Ratio
2.37 0.29 0.34 0.60 0.14
Price-to-Book (P/B) Ratio
4.75 4.64 4.05 5.92 2.13
Price-to-Free Cash Flow (P/FCF) Ratio
-2.06 -0.35 -0.10 4.80 0.04
Price-to-Operating Cash Flow Ratio
-0.36 -0.35 -0.10 4.03 0.04
Price-to-Earnings Growth (PEG) Ratio
1.48 0.00 -0.24 0.38 -0.14
Price-to-Fair Value
4.75 4.64 4.05 5.92 2.13
Enterprise Value Multiple
43.42 24.76 44.28 -561.41 12.25
Enterprise Value
19.36B 20.59B 17.03B 14.73B 12.06B
EV to EBITDA
43.03 24.76 44.28 -561.41 12.25
EV to Sales
8.19 6.52 8.94 13.22 5.62
EV to Free Cash Flow
-7.11 -7.78 -2.71 106.10 1.46
EV to Operating Cash Flow
-7.31 -7.78 -2.73 89.13 1.46
Tangible Book Value Per Share
-9.65 -11.73 -17.20 -16.64 -13.86
Shareholders’ Equity Per Share
0.78 0.94 1.45 1.21 1.55
Tax and Other Ratios
Effective Tax Rate
0.03 0.03 0.02 0.09 <0.01
Revenue Per Share
9.19 14.95 17.11 11.95 23.21
Net Income Per Share
0.11 0.13 0.13 -0.14 0.45
Tax Burden
0.11 0.11 0.04 0.17 0.04
Interest Burden
0.63 0.32 1.00 1.00 1.00
Research & Development to Revenue
0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
0.11 0.08 0.47 0.63 0.34
Stock-Based Compensation to Revenue
0.02 0.00 0.01 0.01 <0.01
Income Quality
55.68 -96.70 -18.95 -12.49 8.87
Currency in USD