UWMC
UWMC
UWM Holdings Corporation
$1.06
+0.95% 2026-10-19
Financial Services
UWMCSPY
1W
+3.9%
1M
-15.2%
3M
-43.9%
6M
-72.1%
YTD
-74.0%
1Y
-78.5%
Grades vs sector
Momentumno data–
Momentum
no data
Percentile within its GICS sector across the S&P 1500.
Growthno data–
Growth
no data
Percentile within its GICS sector across the S&P 1500.
Valueno data–
Value
no data
Percentile within its GICS sector across the S&P 1500.
Profitabilityno data–
Profitability
no data
Percentile within its GICS sector across the S&P 1500.
Revisionsno data–
Revisions
no data
30-day change in analysts' current-year EPS estimate; graded across covered stocks.
Our models
Not held by any of our 3 live models right now.
Momentum Top 15
not ranked (outside this model's universe or screens)
Quality Growthnot ranked (outside this model's universe or screens)
Momentum Blendnot in the current book
Key stats
Market cap$1.7B
P/E (trailing)–
P/E (forward)3.2
52-week range0.93 – 6.15
Revenue growth (YoY, latest qtr)-70.6%
Dividend yield0.00%
Analyst consensusHold (7)
Mean price target$1.84 (+74%)
Valuation & fundamentals
Bottom line
No cash-flow valuation
Model read-out from the numbers below, not advice. Score +0 (DCF counts double).
•Piotroski F-score4/9
▼Net debt / EBITDA47.5x
▲Analyst target+74% (7 analysts)
Discounted cash flow
Trailing free cash flow is negative or missing, so a cash-flow DCF isn't meaningful by default. You can enter your own assumptions below.
Reverse DCFfor context, not a signal
A normal DCF guesses future cash flows and works out a price. A reverse DCF runs it backwards: it starts from today's price and asks how fast free cash flow would have to grow to justify it. It tells you what the market is assuming, not whether the stock is cheap or expensive, and it is not a buy or sell signal. Glossary
Trailing free cash flow is zero or negative, so there's no growth rate to solve for. The price is betting on a turnaround to positive cash flow.
Edit assumptions · recalculates instantly
Your value per share–
Free cash flow = operating cash flow − capital spending, trailing 12 months (TTM to 2026-06-30). Growth default: average of 3-year revenue CAGR and latest revenue growth, capped at 30%. Years 6–10 fade linearly to terminal growth. Discount rate = 4.25% risk-free assumption + beta 1.87 × 5% equity premium, kept within 7–13%. Bear: lower growth, +1 pt discount, 2% terminal. Bull: higher growth, −1 pt, 3%.
Multiples vs sector
Forward EPS $0.33 vs trailing $-0.11. Forward P/E uses analysts' next-12-month estimate.
Quality & financial health
Gross margin
–
Operating margin
-0.2%
FCF margin
-137.6%
Net margin
-1.0%
Return on equity
-742.9%
Return on invested capital
-0.2%
Net debt / EBITDA
47.5×
Current ratio
0.0×
Interest cover
-0.0×
Cash conversion (OCF/NI)
–
Piotroski F-score 4/9 · last two fiscal years
✓ Positive net income✗ Positive operating cash flow✓ Return on assets improved✗ Cash flow above net income✓ Long-term debt / assets fell✗ Current ratio improved✗ No share dilution✗ Gross margin improved✓ Asset turnover improved
Analysts
Mean target
$2
+74%
Analysts
7
Hold
Range
$1–$3
low – high
● price · ◆ mean target
Annual history
| FY | Revenue | Net income | Free cash flow |
|---|---|---|---|
| 2025 | $3.2B | $27.4M | $-2.7B |
| 2024 | $2.7B | $14.4M | $-6.3B |
| 2023 | $2.2B | $-13.2M | $138.8M |
| 2022 | $2.4B | $41.7M | $8.2B |
| 2021 | $3.0B | $98.4M | $-10.0B |
| 2020 | $4.9B | $-5.8M | $-876.0K |
From the company's 10-K filings via SEC XBRL. 3-year revenue CAGR +10.0%.
Earnings
Next report: 2026-11-05 · during market · EPS est 0.04
EstimateActual (beat)Actual (miss)
| Report | EPS est | Actual | Surprise |
|---|---|---|---|
| 2026-08-05 | 0.08 | -1.09 | -1421.1% |
| 2026-05-06 | 0.06 | 0.09 | +33.9% |
| 2026-02-25 | 0.09 | 0.08 | -9.4% |
| 2025-11-06 | 0.07 | 0.01 | -86.1% |
| 2025-08-07 | 0.06 | 0.16 | +183.3% |
| 2025-05-06 | 0.05 | 0.02 | -51.8% |
| 2025-02-26 | 0.08 | 0.02 | -73.7% |
| 2024-11-07 | 0.07 | 0.01 | -86.4% |
Quarterly revenue
| Quarter | Revenue | YoY |
|---|---|---|
| 2026-06-30 | $-112.0M | -117.2% |
| 2026-03-31 | $504.5M | – |
| 2025-12-31 | $522.4M | – |
| 2025-09-30 | $338.6M | – |
| 2025-06-30 | $651.1M | – |
Analyst actions
BTIG
2026-10-12 · down
Buy → NeutralBarclays
PT $2
2026-08-10 · main
Overweight → OverweightPT $2
Keefe, Bruyette & Woods
PT $3
2026-08-10 · main
Outperform → OutperformPT $3
Stephens & Co.
PT $2
2026-08-07 · main
Equal-Weight → Equal-WeightPT $2
BTIG
PT $2
2026-08-07 · main
Buy → BuyPT $2
Citizens
PT $3
2026-07-29 · up
Market Perform → Market OutperformPT $3
Recent dividends
2026-06-18: $0.100 · 2026-03-19: $0.100 · 2025-12-18: $0.100 · 2025-09-18: $0.100 · 2025-06-18: $0.100 · 2025-03-20: $0.100 · 2024-12-19: $0.100 · 2024-09-19: $0.100
Insider trades
None
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None · None
SELL–
None
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None · None
SELL–
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None · None
SELL–
None
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None · None
SELL–
News
UWM Holdings (UWMC) Stock Fair Value Falls After Analyst Target Cuts
Simply Wall St. · Oct 17
Is UWM Holdings (UWMC) the Most Expensive Cheap Stock in Mortgage Lending?
Insider Monkey · Oct 15
Stock Market Today, Oct. 13: Rate Pressures and Analyst Downgrades Weigh on Rocket Companies
Motley Fool · Oct 13
UWM Shares Fall After BTIG Downgrade
MT Newswires · Oct 12
BTIG Downgrades UWM to Neutral From Buy
MT Newswires · Oct 12
UWM Shares Fall After Keefe, Bruyette & Woods Downgrade
MT Newswires · Oct 07
FICO Is Cutting 15% of Its Workforce After Losing More Than Half Its Value
24/7 Wall St. · Oct 07
Keefe, Bruyette & Woods Downgrades UWM to Market Perform From Outperform, Price Target is $1.50
MT Newswires · Oct 07
Stats refreshed 2026-10-19 19:03:11 ET from Yahoo Finance (yfinance). "–" means the data isn't available. Refresh now
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