Uwm Holdings Corp Stock Buy Hold or Sell Recommendation
| UWMC Stock | USD 5.95 0.17 2.94% |
Given the investment horizon of 90 days and your above-average risk tolerance, our recommendation regarding UWM Holdings Corp is 'Strong Hold'. Macroaxis provides UWM Holdings buy-hold-or-sell recommendation only in the context of selected investment horizon and investor attitude towards risk assumed by holding UWMC positions.
Check out UWM Holdings Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. In addition, we conduct extensive research on individual companies such as UWM and provide practical buy, sell, or hold advice based on investors' investing horizon and their risk tolerance towards UWM Holdings Corp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in population.
UWM |
Execute UWM Holdings Buy or Sell Advice
The UWM recommendation should be used to complement the buy-or-sell advice compiled from the current analysts' consensus on UWM Holdings Corp. Macroaxis does not own or have any residual interests in UWM Holdings Corp or other equities on which the buy-or-sell advice is provided. Please provide your input below to execute UWM Holdings' advice using the current market data and latest reported fundamentals.
Time Horizon
Risk Tolerance
 |  |
Strong Hold
Market Performance | Weak | Details | |
Volatility | Somewhat reliable | Details | |
Hype Condition | Under hyped | Details | |
Current Valuation | Undervalued | Details | |
Odds Of Distress | Low | Details | |
Economic Sensitivity | Responds to the market | Details | |
Investor Sentiment | Alarmed | Details | |
Analyst Consensus | Buy | Details | |
Financial Strenth (F Score) | Frail | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Possible Manipulator | Details |
UWM Holdings Trading Alerts and Improvement Suggestions
| UWM Holdings Corp currently holds about 1.03 B in cash with (6.24 B) of positive cash flow from operations. This results in cash-per-share (CPS) ratio of 11.09, which can makes it an attractive takeover target, given it will continue generating positive cash flow. | |
| UWM Holdings Corp has a frail financial position based on the latest SEC disclosures | |
| Roughly 60.0% of the company outstanding shares are owned by institutional investors | |
| Latest headline from kalkinemedia.com: How Is UWM Holdings Strengthening Its Position in Mortgage Finance |
UWM Holdings Returns Distribution Density
The distribution of UWM Holdings' historical returns is an attempt to chart the uncertainty of UWM Holdings' future price movements. The chart of the probability distribution of UWM Holdings daily returns describes the distribution of returns around its average expected value. We use UWM Holdings Corp price's Value At Risk and its Upside Potential as a relative measure of the distribution. The graph of the distribution of UWM Holdings returns is essential to provide solid investment advice for UWM Holdings.
| Mean Return | -0.07 | Value At Risk | -3.92 | Potential Upside | 4.49 | Standard Deviation | 2.68 |
Return Density |
| Distribution |
Investment risk management requires an estimate of the probability of extreme price changes. Therefore, the correct representation of the distribution of UWM Holdings historical returns presented in an easy-to-digest graphical form helps investors and money managers understand the risk-reward trade-off of different investement strategies.
UWM Holdings Cash Flow Accounts
| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 (projected) | ||
| Change In Cash | 1.1B | (492.7M) | (26.2M) | (207.4M) | 9.9M | 9.4M | |
| Net Borrowings | 3.1B | 2.5B | 961.8M | 731.5M | 841.3M | 1.6B | |
| Free Cash Flow | (876K) | (10.0B) | 8.2B | 138.8M | (6.2B) | (5.9B) | |
| Depreciation | 570.4M | 35.1M | 49.4M | 50.1M | 48.8M | 89.4M | |
| Other Non Cash Items | (1.8B) | (2.4B) | (2.4B) | (1.4B) | (2.6B) | (2.7B) | |
| Dividends Paid | 2.0B | 1.5B | 788.0M | (37.2M) | (39.7M) | (37.7M) | |
| Capital Expenditures | 57.3M | 65.4M | 26.6M | 26.4M | 39.5M | 40.6M | |
| Net Income | 3.4B | 1.6B | 931.9M | (13.2M) | 329.4M | 312.9M | |
| End Period Cash Flow | 1.2B | 731.1M | 704.9M | 497.5M | 507.3M | 616.0M | |
| Change To Netincome | (1.0B) | (1.8B) | (9.6B) | 9.8B | 11.2B | 11.8B |
UWM Holdings Greeks
Most traded equities are subject to two types of risk - systematic (i.e., market) and unsystematic (i.e., nonmarket or company-specific) risk. Unsystematic risk is the risk that events specific to UWM Holdings or Financial Services sector will adversely affect the stock's price. This type of risk can be diversified away by owning several different stocks in different industries whose stock prices have shown a small correlation to each other. On the other hand, systematic risk is the risk that UWM Holdings' price will be affected by overall stock market movements and cannot be diversified away. So, no matter how many positions you have, you cannot eliminate market risk. However, you can measure a UWM stock's historical response to market movements and buy it if you are comfortable with its volatility direction. Beta and standard deviation are two commonly used measures to help you make the right decision.
α | Alpha over Dow Jones | 0.08 | |
β | Beta against Dow Jones | 1.42 | |
σ | Overall volatility | 2.67 | |
Ir | Information ratio | 0.01 |
UWM Holdings Volatility Alert
UWM Holdings Corp exhibits very low volatility with skewness of 0.09 and kurtosis of -0.11. Understanding different market volatility trends often help investors to time the market. Properly using volatility indicators enable traders to measure UWM Holdings' stock risk against market volatility during both bullish and bearish trends. The higher level of volatility that comes with bear markets can directly impact UWM Holdings' stock price while adding stress to investors as they watch their shares' value plummet. This usually forces investors to rebalance their portfolios by buying different financial instruments as prices fall.UWM Holdings Implied Volatility
UWM Holdings' implied volatility exposes the market's sentiment of UWM Holdings Corp stock's possible movements over time. However, it does not forecast the overall direction of its price. In a nutshell, if UWM Holdings' implied volatility is high, the market thinks the stock has potential for high price swings in either direction. On the other hand, the low implied volatility suggests that UWM Holdings stock will not fluctuate a lot when UWM Holdings' options are near their expiration.
UWM Holdings Fundamentals Vs Peers
Comparing UWM Holdings' fundamentals to the average values of its peers is one of the most widely used and accepted methods of equity analyses. It helps to analyze UWM Holdings' direct or indirect competition across all of the common fundamentals between UWM Holdings and the related equities. This way, we can detect undervalued stocks with similar characteristics as UWM Holdings or determine the stocks which would be an excellent addition to an existing portfolio. Peer analysis of UWM Holdings' fundamental indicators could also be used in its relative valuation, which is a method of valuing UWM Holdings by comparing valuation metrics with those of similar companies.
| Better Than Average | Worse Than Average | Compare UWM Holdings to competition |
| Fundamentals | UWM Holdings | Peer Average |
| Return On Equity | 0.15 | -0.31 |
| Return On Asset | 0.0373 | -0.14 |
| Profit Margin | 0.01 % | (1.27) % |
| Operating Margin | 0.72 % | (5.51) % |
| Current Valuation | 15.19 B | 16.62 B |
| Shares Outstanding | 157.98 M | 571.82 M |
| Shares Owned By Insiders | 20.50 % | 10.09 % |
| Shares Owned By Institutions | 59.84 % | 39.21 % |
| Number Of Shares Shorted | 18.49 M | 4.71 M |
| Price To Earning | 0.29 X | 28.72 X |
| Price To Book | 5.82 X | 9.51 X |
| Price To Sales | 4.01 X | 11.42 X |
| Revenue | 2.16 B | 9.43 B |
| Gross Profit | 2.46 B | 27.38 B |
| EBITDA | 872.19 M | 3.9 B |
| Net Income | 329.38 M | 570.98 M |
| Cash And Equivalents | 1.03 B | 2.7 B |
| Cash Per Share | 11.09 X | 5.01 X |
| Total Debt | 3.5 B | 5.32 B |
| Debt To Equity | 2.10 % | 48.70 % |
| Current Ratio | 2.21 X | 2.16 X |
| Book Value Per Share | 1.02 X | 1.93 K |
| Cash Flow From Operations | (6.24 B) | 971.22 M |
| Short Ratio | 6.25 X | 4.00 X |
| Earnings Per Share | 0.13 X | 3.12 X |
| Price To Earnings To Growth | (0.63) X | 4.89 X |
| Target Price | 6.83 | |
| Number Of Employees | 9.1 K | 18.84 K |
| Beta | 1.69 | -0.15 |
| Market Capitalization | 9.87 B | 19.03 B |
| Total Asset | 15.67 B | 29.47 B |
| Retained Earnings | 157.84 M | 9.33 B |
| Annual Yield | 0.07 % |
Note: Disposition of 8606 shares by Alex Elezaj of UWM Holdings subject to Rule 16b-3 [view details]
UWM Holdings Market Momentum
Traders often use several daily momentume indicators to supplement a more traditional technical analysis when analyzing securities such as UWM . With many different options, investors must choose the best indicators for them and familiarize themselves with how they work. We suggest combining traditional momentum indicators with more near-term forms of technical analysis such as Accumulation Distribution or Daily Balance Of Power. With their quantitative nature, daily value technical indicators can also be incorporated into your automated trading systems.
About UWM Holdings Buy or Sell Advice
When is the right time to buy or sell UWM Holdings Corp? Buying financial instruments such as UWM Stock isn't very hard. However, what challenging for most investors is doing it at the right time to beat the market. Proper market timing is something most people cannot do without sophisticated tools, which help to isolate the right opportunities. Macroaxis provides hands-on modules to deliver winning trades and diversify your portfolios on a daily basis. Most of our advising modules are very easy to use and apply.
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Check out UWM Holdings Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. You can also try the Money Managers module to screen money managers from public funds and ETFs managed around the world.
Is Commercial & Residential Mortgage Finance space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of UWM Holdings. If investors know UWM will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about UWM Holdings listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth (0.62) | Dividend Share 0.4 | Earnings Share 0.13 | Revenue Per Share | Quarterly Revenue Growth (0.52) |
The market value of UWM Holdings Corp is measured differently than its book value, which is the value of UWM that is recorded on the company's balance sheet. Investors also form their own opinion of UWM Holdings' value that differs from its market value or its book value, called intrinsic value, which is UWM Holdings' true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because UWM Holdings' market value can be influenced by many factors that don't directly affect UWM Holdings' underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between UWM Holdings' value and its price as these two are different measures arrived at by different means. Investors typically determine if UWM Holdings is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, UWM Holdings' price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.