YOLFTbeta
UWM Holdings Corp

UWM Holdings Corp

UWMC · NYSE · Financial Services / Mortgage Finance

1.26USD-0.01 (-0.79%)

Price History

Full chart

Market Stats

Previous Close1.27
Open1.27
Day Range1.24 – 1.32
52-Week Range0.9303 – 5.75
Volume7.24M
Market Cap1.96B
P/E (TTM)0.00
Forward P/E3.13
EPS-0.10
Dividend Yield24.54%
Beta1.82
50-Day Avg1.54
200-Day Avg3.28

About

UWM Holdings Corporation engages in the origination, sale, and servicing residential mortgage lending in the United States. The company offers mortgage loans through wholesale channel. It originates primarily conforming and government loans. The company was founded in 1986 and is headquartered in Pontiac, Michigan.

Company Details

  • SectorFinancial Services
  • IndustryMortgage Finance
  • CEOMr. Mathew R. Ishbia
  • Employees9.10K
  • Headquarters585 South Boulevard East, Pontiac, MI, United States, 48341, USA
  • Websitehttps://www.uwm.com

Leadership

  • Mr. Mathew R. IshbiaChairman, President & CEO · b. 1980
  • Mr. Rami HasaniExecutive VP & CFO · b. 1981
  • Ms. Melinda WilnerExecutive VP, COO & Director · b. 1976
  • Ms. Laura LawsonExecutive VP, Chief People Officer & Director · b. 1977
  • Mr. Alex ElezajExecutive VP, Chief Strategy Officer & Director · b. 1977
  • Mr. Jason BresslerExecutive VP & CTO · b. 1975
  • Mr. Adam Wolfe J.D.Executive VP, Chief Legal & Administrative Officer and Secretary of the Board · b. 1982
  • Mr. Blake Kolo CFE, CFF, CPA, CVAExecutive VP, Chief Business Officer & Head of Investor Relations
  • Mr. Jeff MidboSenior VP & Chief Compliance Officer

Financials

Income Statement

Currency: USD2017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue455.62M502.17M1.23B4.85B2.83B2.15B1.11B1.91B3.16B
Growth (%)-+10.22%+145.38%+293.59%-41.57%-24.25%-48.11%+71.09%+65.83%
Cost of Revenue--183.28M203.55M349.96M336.40M358.93M534.20M454.53M
Gross Profit455.62M502.17M1.05B4.65B2.48B1.81B755.02M1.37B2.71B
Gross Margin100.00%100.00%85.13%95.80%87.65%84.33%67.78%71.97%85.62%
Operating Expense327.21M416.34M633.86M1.26B905.48M875.58M831.31M1.04B873.29M
Operating Income128.41M85.83M415.06M3.38B1.58B934.67M-76.29M335.96M1.83B
Operating Margin28.18%17.09%33.68%69.80%55.70%43.54%-6.85%17.63%57.99%
EBITDA168.77M136.52M544.20M3.96B1.62B984.07M-26.23M384.73M831.73M
EBITDA Margin37.04%27.19%44.16%81.56%57.04%45.84%-2.35%20.19%26.32%
Net Income114.60M91.32M415.06M3.38B98.44M41.72M-13.23M14.40M27.38M
Net Income Margin25.15%18.18%33.68%69.75%3.47%1.94%-1.19%0.76%0.87%
R&D----0.440.45---
R&D as % of Total Revenue----0.00%0.00%---
Interest Expense00164.13M167.04M304.66M305.99M320.26M490.76M530.79M
Interest Expense % of Total Revenue0.00%0.00%13.32%3.44%10.75%14.25%28.75%25.75%16.79%

Balance Sheet

Currency: USD2017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets2.17B3.08B6.65B11.49B13.60B13.60B11.87B15.67B16.93B
Total Liabilities1.94B2.76B5.99B9.12B10.43B10.43B9.40B13.62B15.34B
Total Equity233.11M319.05M661.32M2.37B3.17B143.56M112.55M161.52M199.52M
Cash68.68M42.11M133.28M1.22B704.90M704.90M497.47M507.34M503.36M
Total Debt1.78B2.51B5.69B8.21B9.43B9.78B8.73B12.84B14.44B
Net Debt1.71B2.47B5.55B6.98B8.73B9.08B8.23B12.33B13.94B

Cash Flow

Currency: USD2017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow-754.64M-926.17M56.41M-9.96B8.27B8.27B165.24M-6.24B-2.65B
Investing Cash Flow203.09M170.74M577.38M231.88M199.75M1.29B1.83B2.68B2.26B
Financing Cash Flow562.11M728.87M802.26M9.26B-9.58B-9.58B-2.20B3.58B384.02M
Capital Expenditure164.00K53.27M57.29M65.38M26.61M26.61M26.43M39.45M74.05M
Free Cash Flow-754.80M-979.45M-876.00K-10.02B8.24B8.24B138.81M-6.28B-2.72B
Dividends Paid89.44M5.37M1.97B1.50B787.97M787.97M37.24M39.73M716.60M
FCF to OCF100.02%105.75%-1.55%100.66%99.68%99.68%84.00%100.63%102.80%
Dividend Paid to FCF-11.85%-0.55%-224834.93%-14.96%9.56%9.56%26.83%-0.63%-26.33%

Earnings

Report DateDec 5, 2019Mar 27, 2020May 14, 2020Aug 7, 2020Nov 5, 2020Feb 3, 2021May 10, 2021Aug 16, 2021Nov 9, 2021Mar 1, 2022May 10, 2022Aug 9, 2022Nov 4, 2022Mar 1, 2023May 10, 2023Aug 9, 2023Nov 8, 2023Feb 28, 2024May 9, 2024Aug 6, 2024Nov 7, 2024Feb 26, 2025May 6, 2025Aug 7, 2025Nov 6, 2025Mar 4, 2026May 6, 2026Aug 5, 2026Nov 5, 2026
EPS Estimate0.000.00---0.320.410.070.110.140.080.07-0.03-0.010.030.060.080.040.050.060.070.080.050.060.070.090.060.070.06
EPS Actual0.000.000.01-0.000.630.620.410.070.160.110.220.100.16-0.03-0.070.110.15-0.230.090.040.010.020.020.160.010.080.09-0.23-
Surprise-----93.75%0.00%0.00%45.45%-21.43%175.00%42.86%633.33%-200.00%-333.33%83.33%87.50%-675.00%80.00%-33.33%-85.71%-73.66%-60.00%166.67%-85.71%-9.30%50.00%-428.57%-
Timing-After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market-Pre-marketAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap1.96B
Enterprise Value16.63B
Trailing P/E0.00
Forward P/E3.13
Price / Sales0.67
Price / Book3.14
EPS-0.10
Book Value0.391
Revenue (TTM)2.93B
Gross Profit (TTM)2.93B
EBITDA528.85M
Profit Margin-1.27%
Operating Margin-111.04%
Return on Equity-7.68%
Return on Assets1.85%
Shares Outstanding344.65M
Shares Float291.37M
Beta1.82
Dividend Yield24.54%
Dividend Rate0.40
Payout Ratio133.33%

Analyst Ratings

Buy
Based on 11 analystsTarget 2.22
  • Strong Buy
    2
  • Buy
    2
  • Hold
    7

Dividends

20262×
0.10Jun 18, 20260.10Mar 19, 2026
20254×
0.10Dec 18, 20250.10Sep 18, 20250.10Jun 18, 20250.10Mar 20, 2025
20244×
0.10Dec 19, 20240.10Sep 19, 20240.10Jun 20, 20240.10Mar 19, 2024
20234×
0.10Dec 19, 20230.10Sep 19, 20230.10Jun 20, 20230.10Mar 9, 2023
20224×
0.10Dec 8, 20220.10Sep 19, 20220.10Jun 17, 20220.10Mar 11, 2022
20214×
0.10Dec 9, 20210.10Sep 9, 20210.10Jun 9, 20210.10Mar 9, 2021