UWM Holdings (UWMC) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

UWM Holdings

NYSE•Financial Services•Mortgage Finance

$1.47+0.01(0.01%)Market closed

Market Cap

$425.28M

P/S

0.1x

P/B

0.4x

UWM Holdings Corporation engages in the origination, sale, and servicing residential mortgage lending in the United States. The company offers mortgage loans through wholesale channel. It originates primarily conforming and government loans. The company was founded in 1986 and is headquartered in Pontiac, Michigan.

How this company scores

WeakMetricSide Score: 22/100

Strongest: Growth (14/25); weakest: Profitability (0/25).

Profitability0/25

Growth14/25

Balance Sheet & Red Flags5/25

Cash & Earnings Quality3/25

Strengths

Growing revenueConsistent growth

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 15.3x5y range 4.5x – 81.5x

Currently near its 14-quarter median.

P/S · 0.1x5y range 0.1x – 0.7x

Currently below its 20-quarter median.

P/B · 0.4x5y range 0.1x – 0.9x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Margin Pressure

Red Flag

Operating margins dropped 203.6% over recent quarters — a sharp decline suggesting serious cost or pricing challenges.

Earnings Quality

Red Flag

Free cash flow has been negative in 5 of the last 8 quarters — earnings are not translating to cash.

Price & Volume

Market Cap $425.28M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $3.58B
Q. Revenue: $888.00M
TTM EBITDA: $-52.19M
TTM Op. Income: $-113.14M
Q. Op. Income: $-471.75M
TTM Net Income: $-37.14M
Q. Net Income: $-80.59M
EPS: $-0.24
Shares Out.: $337.53M

$3.58B in TTM revenue grew 45.5% YoY, reaching $888.00M last quarter. TTM EBITDA of $-52.19M and TTM operating income of $-113.14M show growth is flowing through to the bottom line. However, net income is negative at $37.14M — growth is not yet reaching the bottom line. Across the last 8 quarters, TTM revenue has risen for 6 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: -51.5%
Op. Margin: -53.1%
Net Margin: -9.1%

Op. margin of -53.1% is down 96.8% YoY — costs are rising relative to revenue. Net margin at -9.1% Over the past year, operating margin is down 222% — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: N/A
P/S Ratio: 0.1x
P/B Ratio: 0.4x

P/S of 0.1x and P/B of 0.4x. P/S is low relative to typical market levels. Across the last 6 quarters, P/E has fallen for 2 consecutive quarters — an improving trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $17.94B
Cash: $498.41M
Long-Term Debt: $2.98B
Book Value: $985.31M
D/E Ratio: 3.0
Debt/EBITDA: N/A

With $17.94B in assets and $2.98B in long-term debt, D/E is 3.0and book value is $985.31M — elevated leverage, meaning significant financial risk in a downturn. Over the past year, debt/equity is up 90% — a weakening trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $344.04M
TTM Free Cash Flow: $-4.92B
FCF Margin: -137.6%
FCF / Net Income: 132.5

TTM FCF of $-4.92B on $344.04M in operating cash flow. The FCF / Net Income ratio of 132.5x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is down 100% — an improving trend.