UWM Holdings Financials

UWMC Stock  USD 5.87  0.05  0.84%   
Based on the key indicators related to UWM Holdings' liquidity, profitability, solvency, and operating efficiency, UWM Holdings Corp may be sliding down financialy. It has an above-average chance of going through some form of financial crunch next quarter. At present, UWM Holdings' Total Stockholder Equity is projected to increase significantly based on the last few years of reporting. The current year's Net Tangible Assets is expected to grow to about 135.7 M, whereas Total Assets are forecasted to decline to about 11.3 B. Key indicators impacting UWM Holdings' financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Operating Income1.1 B1.9 B
Way Down
Slightly volatile
Current Ratio1.21.26
Notably Down
Slightly volatile
The essential information of the day-to-day investment outlook for UWM Holdings includes many different criteria found on its balance sheet. An individual investor should monitor UWM Holdings' cash flow, debt, and profitability to accurately make informed decisions on whether to invest in UWM Holdings.

Net Income

13.68 Million

  
Please note, the presentation of UWM Holdings' financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, UWM Holdings' management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of UWM Holdings' management manipulating its earnings.

UWM Holdings Stock Summary

UWM Holdings competes with Loandepot, Mr Cooper, PennyMac Finl, Walker Dunlop, and Guild Holdings. UWM Holdings Corporation engages in the residential mortgage lending business in the United States. UWM Holdings Corporation was founded in 1986 and is headquartered in Pontiac, Michigan. Uwm Hldg operates under Mortgage Finance classification in the United States and is traded on New York Stock Exchange. It employs 7000 people.
Specialization
Financial Services, Financial Services
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
ISINUS91823B1098
CUSIP91823B109 382865103 382865202
LocationMichigan; U.S.A
Business Address585 South Boulevard
SectorFinancial Services
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.uwm.com
Phone800 981 8898
CurrencyUSD - US Dollar

UWM Holdings Key Financial Ratios

UWM Holdings Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets150K22.5B13.6B11.9B15.7B11.3B
Other Current Liab(16.8B)(7.2B)(7.3B)(3.9B)264.9M278.1M
Net Tangible Assets(70.0M)617.4M(3.2B)143.6M129.2M135.7M
Net Debt5.7B17.4B8.7B8.2B3.0B2.8B
Retained Earnings(14.0K)141.8M142.5M110.7M157.8M119.8M
Accounts Payable847.7M439.7M138.7M167.9M174.8M232.4M
Cash1.1K731.1M704.9M497.5M507.3M447.8M
Other Assets(6.7B)17.6B12.1B5.5B14.4B7.6B
Net Receivables276.5M425.4M383.1M1.4B418.0M733.3M
Other Current Assets238.9M(1.1B)(1.4B)(1.9B)(1.7B)(1.6B)
Total Liab1.2K19.4B10.4B9.4B13.6B9.3B
Total Current Assets5.8B1.2B1.2B1.9B1.0B1.7B
Intangible Assets731.4M3.3B4.5B4.0B4.0B3.0B
Inventory(60.2M)(24.9M)(7.9M)(29.6M)(26.7M)(28.0M)
Net Invested Capital406.5M18.1B3.0B2.9B3.5B5.1B

UWM Holdings Key Income Statement Accounts

202020212022202320242025 (projected)
Interest Expense167.0M304.7M306.0M320.3M490.8M260.5M
Total Revenue4.7B2.5B1.8B2.2B2.2B2.2B
Gross Profit2.5B1.7B1.5B1.9B2.2B2.1B
Operating Income108.3M354.7M1.2B1.1B1.9B1.1B
Ebit136.5M(38.0M)(67.3M)1.1B823.4M554.6M
Ebitda143.4M1.0B1.0B1.1B872.2M1.2B
Income Before Tax3.4B1.6B934.7M(76.3M)336.0M319.2M
Net Income1.6B931.9M41.7M(13.2M)14.4M13.7M
Income Tax Expense2.5M9.8M2.8M(6.5M)6.6M6.9M
Tax Provision81.0K9.8M2.8M(5.8M)6.6M6.9M
Net Interest Income1.1M27.1M8.5M10.8M17.9M10.3M
Interest Income1.1M331.8M314.5M365.2M508.6M307.3M

UWM Holdings Key Cash Accounts

202020212022202320242025 (projected)
Change In Cash1.1B(492.7M)(26.2M)(207.4M)9.9M9.4M
Net Borrowings3.1B2.5B961.8M731.5M841.3M1.6B
Free Cash Flow(876K)(10.0B)8.2B138.8M(6.2B)(5.9B)
Depreciation570.4M35.1M49.4M50.1M48.8M89.4M
Other Non Cash Items(1.8B)(2.4B)(2.4B)(1.4B)(2.6B)(2.7B)
Dividends Paid2.0B1.5B788.0M37.2M39.7M37.7M
Capital Expenditures57.3M65.4M26.6M26.4M39.5M40.6M
Net Income3.4B1.6B931.9M(13.2M)329.4M312.9M
End Period Cash Flow1.2B731.1M704.9M497.5M507.3M616.0M
Change To Netincome(1.0B)(1.8B)(9.6B)9.8B11.2B11.8B

UWM Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining UWM Holdings's current stock value. Our valuation model uses many indicators to compare UWM Holdings value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across UWM Holdings competition to find correlations between indicators driving UWM Holdings's intrinsic value. More Info.
UWM Holdings Corp is rated second in return on equity category among its peers. It is rated first in return on asset category among its peers reporting about  0.26  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for UWM Holdings Corp is roughly  3.90 . At present, UWM Holdings' Return On Equity is projected to decrease significantly based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the UWM Holdings' earnings, one of the primary drivers of an investment's value.

UWM Holdings Corp Systematic Risk

UWM Holdings' systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. UWM Holdings volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was twenty with a total number of output elements of fourty-one. The Beta measures systematic risk based on how returns on UWM Holdings Corp correlated with the market. If Beta is less than 0 UWM Holdings generally moves in the opposite direction as compared to the market. If UWM Holdings Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one UWM Holdings Corp is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of UWM Holdings is generally in the same direction as the market. If Beta > 1 UWM Holdings moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in UWM Holdings Stock are looking for potential investment opportunities by analyzing not only static indicators but also various UWM Holdings' growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of UWM Holdings growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(0.22)

At present, UWM Holdings' Price Earnings To Growth Ratio is projected to slightly decrease based on the last few years of reporting.

UWM Holdings March 22, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of UWM Holdings help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of UWM Holdings Corp. We use our internally-developed statistical techniques to arrive at the intrinsic value of UWM Holdings Corp based on widely used predictive technical indicators. In general, we focus on analyzing UWM Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build UWM Holdings's daily price indicators and compare them against related drivers.

Complementary Tools for UWM Stock analysis

When running UWM Holdings' price analysis, check to measure UWM Holdings' market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy UWM Holdings is operating at the current time. Most of UWM Holdings' value examination focuses on studying past and present price action to predict the probability of UWM Holdings' future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move UWM Holdings' price. Additionally, you may evaluate how the addition of UWM Holdings to your portfolios can decrease your overall portfolio volatility.
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