UWMC

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UWM Holdings Corp. Class A

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Key Metrics

Previous Close: $1.49
52-Week Range: $0.93 – $7.14
Market Cap: $4.07B
P/E (TTM): —
EPS (TTM): -0.10
Dividend Yield: 24.54%

Advanced Metrics

Price/Book: 3.63
PEG Ratio: —
Return on Equity: -7.68%
Return on Assets: 1.85%
Gross Margin: 100.00%
Operating Margin: -111.04%
Profit Margin: -1.27%
Current Ratio: 1.78
Debt/Equity: 16.13
Total Debt: $15.89B
Free Cash Flow: $-207.53M
Revenue Growth: -70.60%
Earnings Growth: —
Enterprise Value: $16.72B

UWMC Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$1.84B	$793.69M	$1.42B	$1.55B
Selling, General & Admin	$806.60M	$785.17M	$995.78M	$1.22B
Pretax Income	$934.67M	-$76.29M	$335.96M	$250.90M
Income Tax	$2.81M	-$6.51M	$6.58M	$6.87M
Net Income	$41.72M	-$13.23M	$14.40M	$27.38M
Diluted EPS	0.45	-0.14	0.13	0.12
Diluted Shares	92.48M	93.25M	111.37M	1.60B

UWMC Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$704.90M	$497.47M	$507.34M	$503.36M
Receivables	$383.15M	$512.07M	$417.95M	$526.69M
Total Assets	$13.60B	$11.87B	$15.67B	$16.93B
Long-Term Debt	$2.09B	$2.08B	$2.88B	$3.07B
Total Debt	$2.99B	$2.97B	$3.50B	$4.39B
Total Liabilities	$10.43B	$9.40B	$13.62B	$15.34B
Retained Earnings	$142.50M	$110.69M	$157.84M	$189.45M
Shareholders' Equity	$143.56M	$112.55M	$161.52M	$199.52M
Net Debt	$2.13B	$2.33B	$2.87B	$3.77B

UWMC Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$8.27B	$165.24M	-$6.24B	-$2.65B
Capital Expenditure	-$26.61M	-$26.43M	-$39.45M	-$74.05M
Free Cash Flow	$8.24B	$138.81M	-$6.28B	-$2.72B
Depreciation & Amortisation	$49.40M	$50.06M	$48.78M	$55.51M
Stock-Based Compensation	$7.54M	$13.83M	$24.58M	$50.36M
Investing Cash Flow	$1.29B	$1.83B	$2.68B	$2.26B
Financing Cash Flow	-$9.58B	-$2.20B	$3.58B	$384.02M
Dividends Paid	-$36.94M	-$37.24M	-$39.73M	-$78.60M
Share Repurchases	$0.00	$0.00	—	—
Net Change in Cash	-$26.19M	-$207.43M	$9.87M	-$3.98M

UWMC Income statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Revenue	$41.19M	$651.10M	$338.60M	$522.41M	$504.50M
Selling, General & Admin	$283.14M	$297.84M	$308.41M	$332.07M	$314.47M
Pretax Income	-$260.82M	$329.42M	$12.67M	$169.62M	$177.50M
Income Tax	-$13.79M	$14.94M	$582.00K	$5.14M	$7.13M
Net Income	-$13.68M	$22.91M	-$1.26M	$19.41M	$25.30M
Diluted EPS	-0.12	0.11	-0.01	0.08	0.09
Diluted Shares	1.60B	202.13M	221.35M	256.91M	1.60B

UWMC Balance Sheet statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Cash & Equivalents	$485.02M	$489.98M	$870.70M	$503.36M	$424.00M
Receivables	$472.30M	$719.37M	$548.09M	$526.69M	$1.27B
Total Assets	$14.05B	$13.89B	$17.02B	$16.93B	$19.27B
Long-Term Debt	$2.08B	$2.08B	$3.07B	$3.07B	$3.07B
Total Debt	$3.25B	$3.42B	$3.99B	$4.39B	$5.19B
Total Liabilities	$12.41B	$12.14B	$15.44B	$15.34B	$17.67B
Retained Earnings	$160.41M	$170.32M	$169.94M	$189.45M	$216.77M
Shareholders' Equity	$164.87M	$176.17M	$177.67M	$199.52M	$229.52M
Net Debt	$2.64B	$2.81B	$3.00B	$3.77B	$4.65B

UWMC Cash Flow statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Operating Cash Flow	$593.90M	-$265.88M	-$3.08B	$103.76M	-$2.23B
Capital Expenditure	-$17.76M	-$24.19M	-$10.36M	-$21.74M	-$19.06M
Free Cash Flow	$576.13M	-$290.07M	-$3.09B	$82.02M	-$2.25B
Depreciation & Amortisation	$12.63M	$13.53M	$14.14M	$15.21M	$15.62M
Stock-Based Compensation	$8.31M	$11.73M	$14.73M	$15.59M	$13.16M
Investing Cash Flow	$928.39M	$627.94M	$542.96M	$160.27M	$524.28M
Financing Cash Flow	-$1.54B	-$357.11M	$2.92B	-$631.36M	$1.63B
Dividends Paid	-$15.79M	-$18.77M	-$20.60M	-$23.43M	-$26.84M
Net Change in Cash	-$22.32M	$4.96M	$380.72M	-$367.34M	-$79.37M

Market Snapshot

About

UWM Holdings Corp. operates United Wholesale Mortgage, the largest wholesale mortgage lender in the United States. The company originates residential mortgages exclusively through the wholesale channel, partnering with independent mortgage brokers. UWM provides a technology-driven platform for mortgage brokers to deliver loans to homebuyers efficiently.