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UWM Holdings Corp (UWMC) stock analysis

UWMCNYSEMortgage Bankers & Loan CorrespondentsFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 6, 2026Score 9/30
$1.27−0.09 (-6.62%)

Close on Nov 12, 2026Market cap $2.04BP/E –Yield –

StockData Score

Prices as of Nov 12, 2026How the score works

Value1Growth1Performance0Health4Dividend3

Mixed9 of 30 checks passed

UWM passes 9 of the 30 checks behind our score; 14 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation
1/6
Growth
1/6
Past performance
0/6
Financial health
4/6
Dividend
3/6

What stands out

  • No debt

    UWM has no borrowings on its latest balance sheet.

  • Revenue growing 10%+ a year

    Revenue grew 10.0% a year over the last three fiscal years.

  • Interest well covered

    No meaningful interest expense to cover.

  • Debt covered by cash flow

    There is no debt to cover.

What to watch

  • EPS growing under 10% a year

    Diluted EPS grew -35.6% a year over the last three fiscal years.

  • Elevated bankruptcy risk

    The Altman Z-score is 0.28; above 3 is the safe zone and below 1.8 the distress zone.

  • Not covered by earnings

    Dividends take 598% of net income, leaving little room.

  • EV/EBITDA above its 5-year median

    UWM's EV/EBITDA of 17.3 is above its 5-year median of 5.4.

Valuation1/6

  • P/E against its history

    Not enough price and earnings history to compare.

  • P/E against the industry

    Needs positive earnings and enough profitable companies in the industry.

  • EV/EBITDA above its 5-year median

    UWM's EV/EBITDA of 17.3 is above its 5-year median of 5.4.

  • P/S below the industry

    UWM's price-to-sales of 0.57 is below the Non-depository Credit Institutions median of 1.79 (book value is negative, so we use sales).

  • Price against fair value

    We could not estimate a fair value: it needs at least two valuation methods with positive inputs.

  • Margin of safety

    Depends on the fair value estimate.

Growth1/6

  • Revenue growing 10%+ a year

    Revenue grew 10.0% a year over the last three fiscal years.

  • EPS growing under 10% a year

    Diluted EPS grew -35.6% a year over the last three fiscal years.

  • Earnings acceleration

    Needs positive net income now, a year ago and five years ago.

  • Growing slower than the industry

    Revenue grew 20.8% over the last twelve months; the Non-depository Credit Institutions median is 33.7%.

  • Guidance issued

    The latest outlook (year ending December 31, 2026 Total revenue, Oct 23, 2026) was issued for the first time, so it neither adds nor takes away points.

  • Gross margin trend

    This company does not report gross profit.

Past performance0/6

  • Return on equity

    Needs positive equity and five years of results.

  • Return on invested capital

    Needs operating income and invested capital.

  • Return on equity against the industry

    Needs positive equity.

  • Earnings over 5 years

    Needs positive net income five years ago and in the latest year.

  • Net margin below its 5-year average

    Net margin was 0.6% over the last twelve months, against a 5-year average of 1.2%.

  • Net margin below the industry

    UWM's net margin of 0.6% is below the Non-depository Credit Institutions median of 10.7%.

Financial health4/6

  • No debt

    UWM has no borrowings on its latest balance sheet.

  • Debt not rising

    With no debt today, leverage cannot have risen.

  • Debt covered by cash flow

    There is no debt to cover.

  • Interest well covered

    No meaningful interest expense to cover.

  • Short-term liquidity

    The balance sheet is not split into current and non-current items.

  • Elevated bankruptcy risk

    The Altman Z-score is 0.28; above 3 is the safe zone and below 1.8 the distress zone.

Dividend3/6

  • Pays a dividend

    UWM paid dividends worth 23.6% of the share price over the last twelve months.

  • Yield above Treasuries

    The 23.6% yield is above the 4.6% on a 1-year Treasury.

  • Yield in the top quarter

    The top quarter of US dividend payers yield 3.9% or more; UWM yields 23.6%.

  • Dividend stability

    Fewer than five years of dividend history.

  • Not covered by earnings

    Dividends take 598% of net income, leaving little room.

  • Cash-flow cover

    Needs dividends paid and free cash flow.

Scores of similar companies

Fair value

How we estimate it

We don't publish a fair value for UWM. It needs a US-dollar share price, at least two valuation methods with positive inputs (earnings, EBITDA, book value or sales) and, for companies with several share classes, classes that trade at the same price.

Valuation over time

Using the earnings and balance sheet published at each date, not today's.

  • P/E at month end
  • Own 5-year median 44.2
  • Non-depository Credit Institutions median 8.4

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Market risk

From the past year of daily prices.

Liquidity

Medium risk

Average value traded per day
$17.38M
Value traded per 1% price move
$4.36M

Downside

High risk

Typical loss in a bad month
33.2%
Volatility (annualized)
75%
Sharpe ratio, 1 year
-1.08
Beta to the S&P 500 (5Y)
1.00

Typical bad-month loss, week by week

25%: high

Margins

Share of revenue, fiscal years 2019 to 2025

Net margin

0.9%+1.0 pts over 5 years

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