UWMC Class A UWM Holdings Corporation Class A Common Stock
NYSE · Financial Services · View on SEC EDGAR ↗ close Oct 2, 2026 10-K/10-Q Aug 7, 2026
$1.26
· of 52w range
· above low
· to high
$0.9352w low
$6.1752w high
P/E (TTM)
-63.0
EPS (TTM)
$-0.02
Revenue (TTM)
$3.58B
your badges
52W Range
$1–$6
Analyst Rating
HOLD
Price Target
$2
P/E
-63.0
ROE
-2.7%
Net Profit Margin
-1.0%
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UWMC Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$1.26
P/E (TTM)
-63.0
EPS (TTM)
$-0.02
Revenue (TTM)
$3.58B
ROE (TTM)
-2.7%
52W Range
$1–$6
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10-Year Performance Revenue, net income, margins and EPS trends
Revenue$3.16B2019-12-31 → 2025-12-31
EPS$0.122021-12-31 → 2025-12-31
Free Cash Flow$-2.72B2021-12-31 → 2025-12-31
Net margin-1.0%2021-12-31 → 2025-12-31
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | UWMC | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/E (TTM) | -63.05Y avg ≈10.2 | ≈10.2 | · | · |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | UWMC | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| EBITDA Margin | 1.8% | · | 2.1% | Below avg | |
| Pretax Margin (TTM) | -3.2% | · | 48.2% | Weak | |
| Net Profit Margin (TTM) | -1.0% | · | 39.5% | Weak | |
| ROA (TTM) | -0.23% | · | 1.2% | Weak | |
| ROE (TTM) | -2.7% | · | 12.0% | Weak |
Financial Health Debt, liquidity, solvency — balance sheet strength
No data for this ratio group yet
Not enough fundamentals data to compute this ratio group yet.
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
| Metric | 5Y trend | UWMC | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Revenue YoY | 18.2%5Y avg ≈11.0% | ≈11.0% | · | · | |
| Revenue CAGR 3Y | 10.0%5Y avg ≈-5.8% | ≈-5.8% | · | · | |
| Revenue CAGR 5Y | -8.5% | · | · | · | |
| EPS YoY | -7.7% | · | · | · | |
| Net Income YoY | 90.1% | · | · | · | |
| EPS CAGR 3Y | -35.6% | · | · | · | |
| Net Income CAGR 3Y | -13.1% | · | · | · |
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
| Metric | 5Y trend | UWMC | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Asset Turnover | 0.2 | · | 0.1 | Top tier | |
| Revenue / Employee | ≈$347.3K | · | · | · |
value · ≈ 5Y avg · industry median · verdict relative to median
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Payout Ratio287.1%
Annualized Payout≈$0.40
| Ex-date | Amount | Currency | Yield |
|---|---|---|---|
| Jun 18, 2026 | $0.10 | USD | ≈18.0% |
| Mar 19, 2026 | $0.10 | USD | ≈10.8% |
| Dec 18, 2025 | $0.10 | USD | ≈8.2% |
| Sep 18, 2025 | $0.10 | USD | ≈6.1% |
| Jun 18, 2025 | $0.10 | USD | ≈10.1% |
| Mar 20, 2025 | $0.10 | USD | ≈6.8% |
| Dec 19, 2024 | $0.10 | USD | ≈7.1% |
| Sep 19, 2024 | $0.10 | USD | ≈4.7% |
| Jun 20, 2024 | $0.10 | USD | ≈5.7% |
| Mar 19, 2024 | $0.10 | USD | ≈5.9% |
| Dec 19, 2023 | $0.10 | USD | ≈5.5% |
| Sep 19, 2023 | $0.10 | USD | ≈7.8% |
| Jun 20, 2023 | $0.10 | USD | ≈7.1% |
| Mar 9, 2023 | $0.10 | USD | ≈8.7% |
| Dec 8, 2022 | $0.10 | USD | ≈8.7% |
| Sep 19, 2022 | $0.10 | USD | ≈10.8% |
| Jun 17, 2022 | $0.10 | USD | ≈12.4% |
| Mar 11, 2022 | $0.10 | USD | ≈9.2% |
| Dec 9, 2021 | $0.10 | USD | ≈5.8% |
| Sep 9, 2021 | $0.10 | USD | ≈4.2% |
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
-100.3%
Next Report
Nov 04, 2026
| Period | Report | EPS Actual | EPS Est | Surprise |
|---|---|---|---|---|
| June 30, 2026 | Aug 11, 2026 | $-0.23 | $0.09 | -360.8% |
| March 31, 2026 | May 12, 2026 | $0.08 | $0.07 | 19.0% |
| Dec. 31, 2025 | $0.08 | $0.09 | -9.3% | |
| Sept. 30, 2025 | $0.01 | $0.07 | -85.1% | |
| June 30, 2025 | $0.16 | $0.06 | 154.0% | |
| March 31, 2025 | $-0.12 | $0.05 | -319.8% |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $3.16B | $2.67B | $2.17B | $2.37B | $2.97B | $4.94B | $1.28B | |
| Operating Expenses | $2.15B | $1.83B | $1.39B | $1.44B | $1.39B | $1.55B | $863M | |
| Operating Income | · | · | · | · | · | $-7M | · | |
| Interest Expense | · | · | $320M | $306M | $305M | $167M | $164M | |
| Interest Income | $538M | $509M | $346M | $314M | $332M | $161M | $155M | |
| Other Non-op | $4M | $6M | $5.0K | $-24M | $23M | $0 | $0 | |
| Pretax Income | $251M | $336M | $-76M | $935M | $1.58B | $3.38B | $415M | |
| Income Tax | $7M | $7M | $-7M | $3M | $10M | $2M | $0 | |
| Net Income | $27M | $14M | $-13M | $42M | $98M | $-6M | · | |
| EPS (Basic) | $0.13 | $0.13 | $-0.14 | $0.45 | $0.98 | · | · | |
| EPS (Diluted) | $0.12 | $0.13 | $-0.14 | $0.45 | $0.66 | · | · | |
| Shares (Basic) | 211,407,534 | 111,374,469 | 93,245,373 | 92,475,170 | 100,881,094 | · | · | |
| Shares (Diluted) | 1,599,179,891 | 111,374,469 | 93,245,373 | 92,475,170 | 1,603,157,640 | · | · | |
| EBITDA | $56M | · | $50M | $49M | · | $-7M | · |
Balance Sheet
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $503M | $507M | $497M | $705M | $731M | $1.22B | $1.1K | |
| Prepaid Expense | · | · | · | · | · | $183.9K | · | |
| Current Assets | · | · | · | · | · | $234.5K | $412.5K | |
| PP&E (Net) | $180M | $146M | $146M | $152M | $152M | $108M | · | |
| Accum. Depreciation | $178M | $146M | $107M | $74M | $46M | $26M | · | |
| Total Assets | $16.93B | $15.67B | $11.87B | $13.60B | $22.53B | $11.49B | $412.5K | |
| Accrued Liabilities | · | · | · | · | · | $4M | $274.7K | |
| Current Liabilities | · | · | · | · | · | $5M | $426.5K | |
| Deferred Tax | $5M | $4M | $30M | · | · | · | · | |
| Total Liabilities | $15.34B | $13.62B | $9.40B | $10.43B | $19.36B | $9.12B | $426.5K | |
| Long-term Debt | $2.98B | $2.79B | $1.99B | $2.00B | $2.00B | $800M | · | |
| Paid-in Capital | $10M | $4M | $2M | $903.0K | $437.0K | $25M | · | |
| Retained Earnings | $189M | $158M | $111M | $142M | $142M | $2.35B | $-39.0K | |
| Stockholders' Equity | $1.59B | $2.05B | $2.47B | $3.17B | $3.17B | $2.37B | $661M | |
| Liabilities + Equity | $16.93B | $15.67B | $11.87B | $13.60B | $22.53B | $11.49B | $412.5K |
Cash Flow
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| D&A | $56M | $49M | $50M | $49M | $38M | $17M | $9M | |
| Stock-based Comp | $50M | $25M | $14M | $8M | $6M | $0 | $0 | |
| Deferred Tax | $7M | $5M | $-7M | $3M | $8M | $0 | $0 | |
| Other Non-cash | $-2.79B | · | $121M | $8.17B | · | · | · | |
| Operating Cash Flow | $-2.65B | $-6.24B | $165M | $8.27B | $-9.96B | $56M | $-3.50B | |
| CapEx | $74M | $39M | $26M | $27M | $65M | $57M | $17M | |
| Investing Cash Flow | $2.26B | $2.68B | $1.83B | $1.29B | $200M | $232M | $577M | |
| Stock Repurchased | · | · | $0 | $0 | $82M | $0 | $0 | |
| Net Stock Activity | · | · | $0 | $0 | $-82M | · | · | |
| Dividends Paid | $79M | $40M | $37M | $37M | $31M | $0 | $0 | |
| Financing Cash Flow | $384M | $3.58B | $-2.20B | $-9.58B | $9.26B | $802M | $3.01B | |
| Net Change in Cash | $-4M | $10M | $-207M | $-26M | $-493M | $1.09B | $91M | |
| Taxes Paid | $914.0K | $3M | $-56.0K | $0 | $2M | · | · | |
| Free Cash Flow | $-2.72B | · | $139M | $8.24B | $-10.02B | · | · | |
| Levered FCF | · | · | $-154M | $7.94B | $-10.33B | · | · |
Profitability
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 0.87% | · | -1.0% | 1.8% | 3.3% | · | · | |
| Pretax Margin | 7.9% | · | -5.8% | 39.4% | 53.1% | · | · | |
| EBITDA Margin | 1.8% | · | 3.8% | 2.1% | · | · | · | |
| ROA | 0.17% | · | -0.11% | 0.23% | 0.58% | -2.7% | · | |
| ROE | 1.6% | · | -0.48% | 1.3% | 3.2% | -116.1% | · | |
| ROIC | · | · | · | · | · | -138.5% | · |
Liquidity & Solvency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Current Ratio | · | · | · | · | · | 0.0 | 1.0 | |
| Quick Ratio | · | · | · | · | · | 0.0 | 0.0 |
Efficiency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.2 | · | 0.1 | 0.1 | 0.2 | · | · |
Per Share
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Revenue / Share | $1.98 | · | $14.06 | $25.66 | $1.85 | · | · | |
| Cash Flow / Share | $-1.66 | · | $1.77 | $89.41 | $-6.21 | · | · | |
| EPS (TTM) | $0.12 | $0.13 | $-0.14 | $0.45 | $0.66 | · | · |
Growth Rates
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Revenue YoY | 18.2% | 23.5% | -8.7% | -20.1% | -39.9% | · | · | |
| Revenue CAGR 3Y | 10.0% | -3.4% | -24.0% | · | · | · | · | |
| Revenue CAGR 5Y | -8.5% | · | · | · | · | · | · | |
| EPS YoY | -7.7% | · | · | -31.8% | · | · | · | |
| EPS CAGR 3Y | -35.6% | -41.8% | · | · | · | · | · | |
| Net Income YoY | 90.1% | · | · | -57.6% | · | · | · | |
| Net Income CAGR 3Y | -13.1% | -47.3% | · | · | · | · | · |
Valuation (TTM)
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $3.16B | $2.67B | $2.17B | $2.37B | $2.97B | $4.94B | $1.28B | |
| Net Income TTM | $27M | $14M | $-13M | $42M | $98M | $-6M | · | |
| P/E | 36.5 | 45.2 | -51.1 | 7.4 | 9.0 | · | · | |
| Earnings Yield | 2.7% | 2.2% | -2.0% | 13.6% | 11.2% | · | · | |
| Payout Ratio | 287.1% | · | -281.5% | 88.5% | 31.1% | · | · | |
| Annual Payout | $79M | $40M | $37M | $37M | $31M | $0 | $0 |
Income Statement
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $888M | $901M | $945M | $843M | $759M | $613M | $721M | $746M | $622M | $586M | $740M | $677M | $588M | $161M | $302M | $684M | |
| Operating Expenses | $635M | $575M | $589M | $551M | $527M | $486M | $518M | $494M | $430M | $386M | $354M | $375M | $358M | $301M | $372M | $354M | |
| Interest Expense | · | · | · | · | · | · | · | · | $109M | $99M | · | $94M | $82M | $63M | · | $73M | |
| Interest Income | $140M | $133M | $155M | $132M | $132M | $118M | $140M | $145M | $121M | $102M | $88M | $95M | $89M | $75M | $107M | $78M | |
| Other Non-op | $-1M | $-2M | $3M | $815.0K | $-2M | $3M | $5M | $-421.0K | $1M | $237.0K | $2M | $76.0K | $-3M | $241.0K | $54.0K | $-7M | |
| Pretax Income | $-473M | $178M | $170M | $13M | $329M | $-261M | $42M | $32M | $77M | $184M | $-468M | $302M | $230M | $-140M | $-69M | $330M | |
| Income Tax | $-21M | $7M | $5M | $582.0K | $15M | $-14M | $2M | $344.0K | $786.0K | $4M | $-7M | $734.0K | $1M | $-1M | $-7M | $5M | |
| Net Income | $-81M | $25M | $19M | $-1M | $23M | $-14M | $9M | $-6M | $3M | $9M | $-27M | $18M | $8M | $-12M | $-277.0K | $12M | |
| EPS (Basic) | $-0.24 | $0.09 | $0.11 | $-0.01 | $0.11 | $-0.08 | $0.07 | $-0.06 | $0.03 | $0.09 | $-0.29 | $0.20 | $0.08 | $-0.13 | $-0.01 | $0.13 | |
| EPS (Diluted) | $-0.24 | $0.09 | $0.14 | $-0.01 | $0.11 | $-0.12 | $0.07 | $-0.06 | $0.03 | $0.09 | $-0.24 | $0.15 | $0.08 | $-0.13 | $0.01 | $0.13 | |
| Shares (Basic) | 337,525,247 | 292,122,233 | · | 221,354,499 | 202,133,122 | 164,100,022 | · | 99,801,301 | 95,387,609 | 94,365,991 | · | 93,290,736 | 93,107,133 | 92,920,794 | · | 92,571,886 | |
| Shares (Diluted) | 337,525,247 | 1,600,064,853 | · | 221,354,499 | 202,133,122 | 1,598,383,240 | · | 99,801,301 | 95,387,609 | 1,598,647,205 | · | 1,596,624,780 | 93,107,133 | 92,920,794 | · | 92,571,886 | |
| EBITDA | · | $16M | · | · | · | $13M | · | · | · | $12M | · | · | · | $13M | · | · |
Balance Sheet
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $498M | $424M | $503M | $871M | $490M | $485M | $507M | $636M | $680M | $606M | · | $730M | · | · | · | $800M | |
| PP&E (Net) | $175M | $181M | $180M | $165M | $166M | $154M | $146M | $148M | $147M | $145M | · | $147M | · | · | · | $152M | |
| Accum. Depreciation | · | · | $178M | · | · | · | $146M | · | · | · | · | · | · | · | · | · | |
| Total Assets | $17.94B | $19.27B | $16.93B | $17.02B | $13.89B | $14.05B | $15.67B | $15.12B | $12.92B | $12.80B | · | $12.20B | · | · | · | $11.89B | |
| Deferred Tax | $5M | $5M | $5M | $4M | $4M | $4M | $4M | $21M | $34M | $34M | · | · | · | · | · | · | |
| Total Liabilities | $16.96B | $17.67B | $15.34B | $15.44B | $12.14B | $12.41B | $13.62B | $12.94B | $10.59B | $10.34B | · | $9.11B | · | · | · | $8.50B | |
| Long-term Debt | $2.98B | $2.98B | $2.98B | $3.78B | $2.79B | $2.79B | $2.79B | $2.00B | $2.00B | $2.00B | · | $2.00B | · | · | · | $2.00B | |
| Paid-in Capital | $15M | $13M | $10M | $8M | $6M | $4M | $4M | $3M | $2M | $2M | · | $1M | · | · | · | $784.0K | |
| Retained Earnings | $119M | $217M | $189M | $170M | $170M | $160M | $158M | $117M | $111M | $112M | · | $130M | · | · | · | $141M | |
| Stockholders' Equity | $985M | $1.60B | $1.59B | $1.59B | $1.75B | $1.64B | $2.05B | $2.18B | $2.33B | $2.46B | $2.47B | $3.09B | · | · | $3.17B | $3.39B | |
| Liabilities + Equity | $17.94B | $19.27B | $16.93B | $17.02B | $13.89B | $14.05B | $15.67B | $15.12B | $12.92B | $12.80B | · | $12.20B | · | · | · | $11.89B |
Cash Flow
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $14M | $16M | $15M | $14M | $14M | $13M | $12M | $13M | $12M | $12M | $12M | $13M | $12M | $13M | $13M | $12M | |
| Stock-based Comp | $12M | $13M | $16M | $15M | $12M | $8M | $9M | $6M | $4M | $6M | $4M | $4M | $4M | $2M | $2M | $2M | |
| Other Non-cash | · | $-2.28B | · | · | · | $587M | · | · | · | $-2.23B | · | · | · | $1.99B | · | · | |
| Operating Cash Flow | $344M | $-2.23B | $104M | $-3.08B | $-266M | $594M | $-543M | $-2.18B | $-1.32B | $-2.20B | $-329M | $346M | $-1.84B | $1.99B | $-2.54B | $-548M | |
| CapEx | $9M | $19M | $22M | $10M | $24M | $18M | $8M | $12M | $12M | $7M | $7M | $6M | $5M | $8M | $6M | $5M | |
| Investing Cash Flow | $250M | $524M | $160M | $543M | $628M | $928M | $95M | $237M | $1.06B | $1.29B | $178M | $582M | $426M | $644M | $146M | $342M | |
| Stock Repurchased | · | · | · | · | · | · | · | · | · | · | · | · | · | · | · | $0 | |
| Dividends Paid | $33M | $27M | $23M | $21M | $19M | $16M | $11M | $10M | $9M | $9M | $9M | $9M | $9M | $9M | $9M | $9M | |
| Financing Cash Flow | $-519M | $1.63B | $-631M | $2.92B | $-357M | $-1.54B | $319M | $1.90B | $335M | $1.02B | $-81M | $-832M | $1.31B | $-2.60B | $2.30B | $47M | |
| Net Change in Cash | $74M | $-79M | $-367M | $381M | $5M | $-22M | $-129M | $-44M | $75M | $108M | $-232M | $95M | $-105M | $35M | $-95M | $-159M | |
| Taxes Paid | $60.0K | $39.0K | $292.0K | $461.0K | $103.0K | $58.0K | $18.0K | $2M | $503.0K | $363.0K | $68.0K | $0 | $0 | $-124.0K | $0 | $0 | |
| Free Cash Flow | · | $-2.25B | · | · | · | $576M | · | · | · | $-2.21B | · | · | · | $1.98B | · | · | |
| Levered FCF | · | · | · | · | · | · | · | · | · | $-2.31B | · | · | · | $1.92B | · | · |
Profitability
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | -9.1% | 2.8% | · | -0.15% | 3.0% | -2.2% | · | -1.2% | 0.60% | 1.5% | · | 2.7% | 1.3% | -7.4% | · | 1.7% | |
| Pretax Margin | -53.3% | 19.7% | · | 1.5% | 43.4% | -42.5% | · | 6.1% | 15.2% | 32.3% | · | 44.6% | 39.1% | -86.6% | · | 48.3% | |
| EBITDA Margin | · | 1.7% | · | · | · | 2.1% | · | · | · | 2.2% | · | · | · | 7.8% | · | · | |
| ROA | -0.51% | 0.15% | · | -0.01% | 0.17% | -0.10% | · | -0.05% | 0.03% | 0.07% | · | 0.15% | · | · | · | 0.08% | |
| ROE | -5.9% | 1.6% | · | -0.07% | 1.1% | -0.67% | · | -0.24% | 0.11% | 0.31% | · | 0.56% | · | · | · | 0.37% |
Efficiency
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.1 | 0.1 | · | 0.1 | 0.1 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.1 | · | · | · | 0.0 |
Per Share
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue / Share | $2.63 | $0.56 | · | $3.81 | $3.75 | $0.38 | · | $5.27 | $5.32 | $0.36 | · | $0.42 | $6.31 | $1.74 | · | $7.39 | |
| Cash Flow / Share | · | $-1.39 | · | · | · | $0.37 | · | · | · | $-1.38 | · | · | · | $21.45 | · | · | |
| EPS (TTM) | $-0.02 | $0.33 | · | $0.05 | $0.00 | $-0.08 | · | $-0.18 | $0.03 | $0.08 | · | $0.11 | $0.09 | $0.10 | · | $0.54 |
Valuation (TTM)
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $3.58B | $3.45B | · | $2.94B | $2.84B | $2.70B | · | $2.69B | $2.62B | $2.59B | · | $1.73B | $1.74B | $1.71B | · | $2.68B | |
| Net Income TTM | $-37M | $66M | · | $17M | $12M | $-8M | · | $-22M | $3M | $7M | · | $14M | $7M | $8M | · | $59M | |
| P/E | -114.5 | 11.0 | · | 121.8 | · | -68.2 | · | -47.3 | 231.0 | 90.8 | · | 44.1 | 62.2 | 49.1 | · | 5.4 | |
| Earnings Yield | -0.87% | 9.1% | · | 0.82% | 0.00% | -1.5% | · | -2.1% | 0.43% | 1.1% | · | 2.3% | 1.6% | 2.0% | · | 18.4% | |
| Payout Ratio | · | 106.1% | · | · | · | -115.5% | · | · | · | 107.3% | · | · | · | -77.5% | · | · | |
| Annual Payout | $104M | $90M | · | $66M | $55M | $46M | · | $38M | $38M | $37M | · | $37M | $37M | $37M | · | $38M |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2023-06-30 | 2023-03-31 |
|---|---|---|---|---|---|
| Revenue | $3.16B | $2.67B | $2.17B | · | · |
| Net Income | $27M | $14M | $-13M | · | · |
| Diluted EPS | $0.12 | $0.13 | $-0.14 | · | · |
No data for this statement
Not enough fundamentals data to build this statement yet.
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2023-06-30 | 2023-03-31 |
|---|---|---|---|---|---|
| Free Cash Flow | $-2.72B | · | $139M | · | · |
Institutional owners (13F) 334 filers · $695.6M total · As of June 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Holders
334
Value held
$695.6M
New positions
76
Exited positions
57
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 76 (-3 vs prior Q) | 57 (-9 vs prior Q) | 138 (+33 vs prior Q) | 59 (-25 vs prior Q) | +57.6M |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| VANGUARD GROUP INC | $83,042,356 | 18,959,442 | 11.94% | Shares |
| FMR LLC | $69,748,384 | 30,457,810 | 10.03% | Shares |
| BlackRock, Inc. | $40,262,717 | 17,581,973 | 5.79% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $31,743,623 | 13,861,844 | 4.56% | Shares |
| NORGES BANK | $31,487,500 | 13,750,000 | 4.53% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $30,169,397 | 13,174,409 | 4.34% | Shares |
| AMERIPRISE FINANCIAL INC | $26,157,088 | 11,422,221 | 3.76% | Shares |
| GOLDMAN SACHS GROUP INC | $23,190,491 | 10,126,852 | 3.33% | Shares |
| TWO SIGMA ADVISERS, LP | $22,338,000 | 5,100,000 | 3.21% | Shares |
| BANK OF AMERICA CORP /DE/ | $17,482,611 | 7,634,328 | 2.51% | Shares |
| CITADEL ADVISORS LLC | $16,055,286 | 7,011,042 | 2.31% | Shares |
| MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. | $15,400,628 | 6,725,165 | 2.21% | Shares |
| Freestone Grove Partners LP | $14,859,304 | 6,488,779 | 2.14% | Shares |
| NORTHERN TRUST CORP | $13,284,011 | 5,800,878 | 1.91% | Shares |
| Integrated Investment Consultants, LLC | $12,325,817 | 5,382,453 | 1.77% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $12,251,957 | 5,348,788 | 1.76% | Shares |
| STATE STREET CORP | $11,876,591 | 5,019,364 | 1.71% | Shares |
| Owl Creek Asset Management, L.P. | $11,247,250 | 4,911,463 | 1.62% | Shares |
| Invesco Ltd. | $11,155,937 | 4,871,588 | 1.60% | Shares |
| MORGAN STANLEY | $11,005,112 | 4,805,724 | 1.58% | Shares |
| CANADA PENSION PLAN INVESTMENT BOARD | $10,347,136 | 4,518,400 | 1.49% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $9,523,099 | 4,368,394 | 1.37% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $9,403,793 | 4,106,460 | 1.35% | Shares |
| PLATINUM EQUITY, LLC | $6,847,560 | 2,990,201 | 0.98% | Shares |
| CANYON CAPITAL ADVISORS LLC | $5,796,439 | 2,531,196 | 0.83% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $5,775,507 | 2,522,552 | 0.83% | Shares |
| SUSQUEHANNA INTERNATIONAL GROUP, LLP | $5,636,794 | 2,461,482 | 0.81% | Shares |
| XTX Topco Ltd | $5,362,090 | 2,341,524 | 0.77% | Shares |
| MARSHALL WACE, LLP | $5,304,066 | 2,316,186 | 0.76% | Shares |
| UBS Group AG | $4,774,741 | 2,085,040 | 0.69% | Shares |
| Schonfeld Strategic Advisors LLC | $4,723,089 | 2,062,485 | 0.68% | Shares |
| MILLENNIUM MANAGEMENT LLC | $4,717,343 | 2,059,975 | 0.68% | Shares |
| TUDOR INVESTMENT CORP ET AL | $4,704,420 | 2,054,332 | 0.68% | Shares |
| Bank of New York Mellon Corp | $4,593,265 | 2,005,793 | 0.66% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $4,523,558 | 1,975,353 | 0.65% | Shares |
| Squarepoint Ops LLC | $4,064,345 | 1,774,823 | 0.58% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $3,624,546 | 1,582,771 | 0.52% | Shares |
| Alight Capital Management LP | $3,435,000 | 1,500,000 | 0.49% | Shares |
| SUSQUEHANNA INTERNATIONAL GROUP, LLP | $3,372,712 | 1,472,800 | 0.48% | Put option |
| VARCOV Co. | $3,149,945 | 1,375,522 | 0.45% | Shares |
| TWO SIGMA INVESTMENTS, LP | $2,821,772 | 1,232,215 | 0.41% | Shares |
| Signature Equity Partners, LLC | $2,770,509 | 1,209,829 | 0.40% | Shares |
| Steward Partners Investment Advisory, LLC | $2,729,005 | 1,191,705 | 0.39% | Shares |
| Oak Thistle LLC | $1,982,590 | 865,760 | 0.29% | Shares |
| WELLS FARGO & COMPANY/MN | $1,908,120 | 833,240 | 0.27% | Shares |
| Empyrean Capital Partners, LP | $1,866,350 | 815,000 | 0.27% | Shares |
| WOLVERINE TRADING, LLC | $1,787,628 | 287,400 | 0.26% | Put option |
| EASTERLY INVESTMENT PARTNERS LLC | $1,580,535 | 690,190 | 0.23% | Shares |
| Nebula Research & Development LLC | $1,512,582 | 365,358 | 0.22% | Shares |
| Carrera Capital Advisors | $1,477,416 | 619,823 | 0.21% | Shares |
Activists & 5%+ owners 1 position
Investors who filed SEC Schedule 13D — beneficial ownership above 5% with an intent to influence the issuer (activist stakes, board campaigns, M&A). Each row shows the most recent known state of that filer's position.
| Filer | Filed | Stake | Status | Purpose | Filing |
|---|---|---|---|---|---|
| Mat Ishbia, SFS Holding Corp., SFS Capital Group, LLC ×17 filings | Aug. 10, 2026 | 79.40% | Amendment | · | SEC |
Purpose is an automated classification of the filer's own stated purpose (SEC Item 4) — not investment advice. "—" means no clear purpose was stated or the text could not be classified.
Company insiders 18 insiders · 10 officers · 12 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Mat Ishbia | President and CEO | March 1, 2024 M | 171,520 | 0 | 0 | $0 |
| Mark Stone | Chief Executive Officer | Jan. 21, 2021 A | 129,504 | 0 | 0 | $0 |
| Rami Hasani | EVP, Chief Financial Officer | Sept. 1, 2026 M | 19,849 | 0 | 0 | $0 |
| Andrew Hubacker | EVP, CFO and CAO | Feb. 28, 2025 M | 35,121 | 0 | 0 | $0 |
| Tim Forrester | EVP, CFO | Feb. 1, 2022 M | 11,478 | 0 | 0 | $0 |
| Andrew Mcbride | CFO and Secretary | Jan. 21, 2021 A | 12,950 | 0 | 0 | $0 |
| Melinda Wilner | EVP, COO | May 19, 2026 M | 1,017,935 | 0 | 0 | $0 |
| Laura Lawson | EVP, Chief People Officer | July 31, 2026 F | 61,353 | 0 | 0 | $0 |
| Alex Elezaj | EVP, Chief Strategy Officer | May 19, 2026 M | 1,261,035 | 0 | 0 | $0 |
| Adam A Wolfe | EVP, CLO & Chief Admin Officer | Feb. 27, 2026 M | 19,177 | 0 | 0 | $0 |
| Stacey Coopes | Director | Oct. 31, 2024 A | 5,366 | 0 | 0 | $0 |
| Robert Verdun | Director | Oct. 31, 2024 A | 208,507 | 0 | 0 | $0 |
| Justin Ishbia | Director | Oct. 31, 2024 A | 8,507 | 0 | 0 | $0 |
| Kelly Czubak | Director | Oct. 31, 2024 A | 10,946 | 0 | 0 | $0 |
| Isiah Thomas III | Director | Oct. 31, 2024 A | 8,507 | 0 | 0 | $0 |
| Randy Bort | Director | Jan. 21, 2021 M | 25,000 | 0 | 0 | $0 |
| Jeffrey Gene Rea | Director | Jan. 21, 2021 M | 25,000 | 0 | 0 | $0 |
| William B Patton JR | Director | Jan. 21, 2021 M | 25,000 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 41 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| SDIV · Global X Funds | 0.59% | 3,964,617 NS | July 31, 2026 | N-PORT |
| ESSC · Strategy Shares | 0.26% | 51,288 NS | July 31, 2026 | N-PORT |
| FXO · First Trust Exchange-Traded AlphaDE… | 0.24% | 1,478,778 NS | July 31, 2026 | N-PORT |
| HAPS · Harbor ETF Trust | 0.09% | 83,612 NS | July 31, 2026 | N-PORT |
| EQAL · Invesco Exchange-Traded Fund Trust … | 0.06% | 392,596 SH | Oct. 1, 2026 | Daily |
| VBK · VANGUARD INDEX FUNDS | 0.02% | 3,792,835 SH | Aug. 19, 2026 | Daily |
| BKMC · BNY Mellon ETF Trust | 0.02% | 69,283 NS | July 31, 2026 | N-PORT |
| NEAR · iShares U.S. ETF Trust | 0.01% | 797,000 SH | Sept. 10, 2026 | Daily |
| PRFZ · Invesco Exchange-Traded Fund Trust | 0.01% | 318,859 SH | Oct. 1, 2026 | Daily |
| VXF · VANGUARD INDEX FUNDS | 0.01% | 3,671,396 SH | Aug. 19, 2026 | Daily |
| VB · VANGUARD INDEX FUNDS | 0.01% | 6,663,775 SH | Aug. 19, 2026 | Daily |
| VFH · VANGUARD WORLD FUND | 0.01% | 507,898 SH | Aug. 19, 2026 | Daily |
| TILT · FlexShares Trust | 0.01% | 101,594 NS | July 31, 2026 | N-PORT |
| IYF · iShares Trust | 0.01% | 227,509 SH | Sept. 11, 2026 | Daily |
| IYG · iShares Trust | 0.01% | 110,945 SH | Sept. 11, 2026 | Daily |
| DFAS · Dimensional ETF Trust | 0.01% | 565,232 NS | July 31, 2026 | N-PORT |
| FNCL · FIDELITY COVINGTON TRUST | 0.01% | 81,612 NS | July 31, 2026 | N-PORT |
| SMMD · iShares Trust | 0.01% | 166,567 SH | Sept. 11, 2026 | Daily |
| IWS · iShares Trust | 0.00% | 409,068 SH | Sept. 11, 2026 | Daily |
| DXUV · Dimensional ETF Trust | 0.00% | 10,380 NS | July 31, 2026 | N-PORT |
| IWR · iShares Trust | 0.00% | 1,138,915 SH | Sept. 11, 2026 | Daily |
| DFSU · Dimensional ETF Trust | 0.00% | 29,925 NS | July 31, 2026 | N-PORT |
| WSML · iShares Trust | 0.00% | 11,342 SH | Sept. 9, 2026 | Daily |
| DCOR · Dimensional ETF Trust | 0.00% | 30,875 NS | July 31, 2026 | N-PORT |
| IWP · iShares Trust | 0.00% | 217,279 SH | Sept. 11, 2026 | Daily |
| IWD · iShares Trust | 0.00% | 583,202 SH | Sept. 11, 2026 | Daily |
| DFAU · Dimensional ETF Trust | 0.00% | 64,847 NS | July 31, 2026 | N-PORT |
| ITOT · iShares Trust | 0.00% | 486,830 SH | Sept. 11, 2026 | Daily |
| IYY · iShares Trust | 0.00% | 10,714 SH | Aug. 19, 2026 | Daily |
| IWB · iShares Trust | 0.00% | 121,797 SH | Sept. 11, 2026 | Daily |
| IWV · iShares Trust | 0.00% | 34,067 SH | Sept. 3, 2026 | Daily |
| DFUS · Dimensional ETF Trust | 0.00% | 24,009 NS | July 31, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.00% | 62,024 NS | July 31, 2026 | N-PORT |
| IWF · iShares Trust | 0.00% | 129,318 SH | Sept. 11, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 9,218,040 SH | Aug. 19, 2026 | Daily |
| VONE · VANGUARD SCOTTSDALE FUNDS | 0.00% | 40,077 SH | Aug. 19, 2026 | Daily |
| VONV · VANGUARD SCOTTSDALE FUNDS | 0.00% | 154,243 SH | Aug. 19, 2026 | Daily |
| VONG · VANGUARD SCOTTSDALE FUNDS | 0.00% | 64,781 SH | Aug. 19, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 26,763 SH | Aug. 19, 2026 | Daily |
| ISCB · iShares Trust | · | 17,712 SH | Sept. 11, 2026 | Daily |
| ISCV · iShares Trust | · | 70,172 SH | Sept. 11, 2026 | Daily |
UWMC Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
rating · 17 analysts
BUY
Median target
$2.00
+58.7%
4 23.5%
Strong Buy
6 35.3%
Buy
7 41.2%
Hold
0 0.0%
Sell
0 0.0%
Strong Sell
12-Month Price Target
8 analysts · 2026-09-30Mean target $2.22 +76.1%
← Below all targets
Current price $1.26
Low$1.50
Mean$2.22
High$3.00
Peer comparison (GICS sub-industry) Key metrics vs sector peers
FY basis, prices as of each company's last fiscal year-end close.
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| UWMC | · | 36.5 | 18.2% | 0.87% | 1.6% | · |
| PFSI | $6.86B | 14.2 | -25.2% | 2491.9% | 12.0% | · |
| NMIH | $3.11B | 8.3 | 8.5% | 55.0% | 15.5% | · |
| MBIN | · | · | · | · | · | · |
| AGM | · | 10.6 | 8.9% | 50.8% | 12.7% | · |
| WD | $2.01B | 36.7 | 9.0% | 4.6% | 3.2% | · |
| VEL | $822M | 7.5 | 36.8% | 56.5% | 17.7% | · |
| WSBF | $304M | 11.2 | 4.8% | 18.6% | 7.6% | · |
| SNFCA | · | 7.2 | 3.0% | 9.3% | 8.4% | · |
| ONIT | $390M | 2.1 | 9.3% | 17.8% | 34.2% | · |
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Source: SEC 10-Q filed Aug 7, 2026