📊 UWMC Key Takeaways
Is UWM Holdings Corp (UWMC) a Good Investment?
UWMC exhibits critical fundamental deterioration with net income collapsing 88.8% YoY despite 18.2% revenue growth, indicating severe margin compression. The company cannot cover its interest obligations (0.9x coverage ratio) from operating income, and negative operating cash flow of -2.2B demonstrates the business is destroying cash despite reported profitability, raising acute solvency concerns.
UWM Holdings Corp Key Strengths (UWMC)
- Revenue growth of 18.2% YoY indicates market demand and volume expansion
- Operating margin of 19.7% demonstrates core lending operations can generate profits before debt service
- Cash reserves of $424M provide near-term liquidity buffer
UWMC Stock Risks: UWM Holdings Corp Investment Risks
- Interest coverage of 0.9x is critical - company cannot cover debt service from operations, indicating default risk
- Operating cash flow of -2.2B shows business burns cash despite positive accounting earnings, suggesting non-cash revenues or unsustainable profitability
- Net income collapsed 88.8% YoY while revenue grew - massive margin compression indicates structural business deterioration or one-time charges
Key Metrics to Watch
- Operating cash flow recovery and return to positive territory
- Interest coverage ratio trajectory - must exceed 1.5x for financial stability
- Net margin stabilization and underlying profitability sustainability
UWM Holdings Corp (UWMC) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
UWMC Profit Margin, ROE & Profitability Analysis
UWMC vs Finance Sector: How UWM Holdings Corp Compares
How UWM Holdings Corp compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is UWM Holdings Corp Stock Overvalued? UWMC Valuation Analysis 2026
Based on fundamental analysis, UWM Holdings Corp shows some fundamental concerns relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
UWM Holdings Corp Balance Sheet: UWMC Debt, Cash & Liquidity
UWMC Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: UWM Holdings Corp's revenue has declined by 36% over the 5-year period, indicating business contraction. The most recent EPS of $-0.14 indicates the company is currently unprofitable.
UWMC Revenue Growth, EPS Growth & YoY Performance
UWMC Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $613.4M | -$13.7M | $0.09 |
| Q3 2025 | $745.6M | -$1.3M | $-0.01 |
| Q2 2025 | $622.4M | $3.1M | $0.03 |
| Q1 2025 | $585.5M | $8.7M | $0.09 |
| Q3 2024 | $526.4M | $5.5M | $0.06 |
| Q2 2024 | $507.1M | $3.1M | $0.03 |
| Q1 2024 | $161.3M | $8.7M | $0.09 |
| Q3 2023 | $677.1M | $11.7M | $0.13 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
UWM Holdings Corp Dividends, Buybacks & Capital Allocation
UWMC SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for UWM Holdings Corp (CIK: 0001783398)
📋 Recent SEC Filings
❓ Frequently Asked Questions about UWMC
What is the AI rating for UWMC?
UWM Holdings Corp (UWMC) has an AI grade of D with 88% confidence, based on fundamental analysis of SEC EDGAR filings.
What are UWMC's key strengths?
Claude: Revenue growth of 18.2% YoY indicates market demand and volume expansion. Operating margin of 19.7% demonstrates core lending operations can generate profits before debt service.
What are the risks of investing in UWMC?
Claude: Interest coverage of 0.9x is critical - company cannot cover debt service from operations, indicating default risk. Operating cash flow of -2.2B shows business burns cash despite positive accounting earnings, suggesting non-cash revenues or unsustainable profitability.
What is UWMC's revenue and growth?
UWM Holdings Corp reported revenue of $901.4M.
Does UWMC pay dividends?
UWM Holdings Corp pays dividends, with $26.8M distributed to shareholders in the trailing twelve months.
Where can I find UWMC SEC filings?
Official SEC filings for UWM Holdings Corp (CIK: 0001783398) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is UWMC's EPS?
UWM Holdings Corp has a diluted EPS of $0.09.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is UWMC's fundamental grade?
Based on our AI fundamental analysis in June 2026, UWM Holdings Corp has a D grade with 88% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is UWMC stock overvalued or undervalued?
Valuation metrics for UWMC: ROE of 1.6% (sector avg: 12%), net margin of 2.8% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is UWMC's AI grade for 2026?
Our dual AI analysis gives UWM Holdings Corp a combined D grade for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is UWMC's free cash flow?
UWM Holdings Corp's operating cash flow is $-2.2B, with capital expenditures of $19.1M. FCF margin is -249.5%.
How does UWMC compare to other Finance stocks?
Vs Finance sector averages: Net margin 2.8% (avg: 25%), ROE 1.6% (avg: 12%), current ratio 0.05 (avg: 1.2).
Is UWM Holdings Corp carrying too much debt?
UWMC has a debt-to-equity ratio of 1.86x, which is above the Finance sector average of 2x. Combined with a current ratio below 1, this warrants careful monitoring of the balance sheet.