UWMC · UWM Holdings Corporation
UWM Holdings Corp (UWMC)
What's happening
- UWMC is up 2.75% today, trading at $1.12. — Live quote
- Volume today (460,703) is well below its 3-month average of 17,830,050. (Finnhub fundamentals)
- Reports earnings on 2026-11-05 (before market open), 14 days away. (Finnhub earnings calendar)
- Last quarter's EPS missed estimates: $-0.23 actual vs. $0.09 estimated (-360.8%). (Finnhub earnings history)
Deterministic template sentences filled in from the same sourced figures shown elsewhere on this page -- not an AI-written summary, no live model call.
Key Statistics
Analyst Recommendations
Aggregate ratings for 2026-10-01 (16 analysts polled by Finnhub) — consensus count.
Performance Overview (Trailing returns vs S&P 500 benchmark)
Earnings Trends (Quarterly EPS Actual vs Estimate)
Valuation Measures & Ratios
Quarterly history (5 periods)
| Measure | Jun '26 | Mar '26 | Sep '25 | Jun '25 | Mar '25 |
|---|---|---|---|---|---|
| Market cap | $762.3M | $978.3M | $699.7M | $773.9M | $544.4M |
| P/E | -22.66 | 29.41 | 418.20 | 129.31 | -66.44 |
| Price/Sales | 0.22 | 0.31 | 0.24 | 0.28 | 0.21 |
| EV/Revenue | 0.96 | 1.13 | 1.22 | 1.12 | 1.11 |
| ROA | -0.19% | 0.17% | 0.01% | 0.04% | -0.06% |
Trailing-twelve-month ratios computed from SEC EDGAR quarterly figures and historical daily close prices (Alpaca). Diluted shares are derived from Net income ÷ EPS (diluted) for each quarter, not separately reported. Forward P/E/PEG unavailable (no free data source).
Glossary — what these abbreviations mean
- 1. TTM
- Trailing twelve months — the sum of the last four reported quarters, not a calendar year or the single latest quarter.
- 2. EPS
- Earnings per share — net income divided by diluted shares outstanding.
- 3. Beta
- A stock's historical volatility relative to the overall market. Above 1 means it has moved more than the market; below 1, less.
- 4. EV (Enterprise Value)
- Market cap plus total debt minus cash — roughly what it would cost to buy the whole company, debt included.
- 5. Forward P/E
- Price divided by analysts' estimated earnings for the next 12 months, instead of trailing actual earnings.
- 6. PEG Ratio
- P/E divided by expected earnings growth rate. A lower number can indicate a stock is cheap relative to how fast it's expected to grow.
- 7. Price / Book
- Share price divided by book value (assets minus liabilities) per share.
- 8. ROE
- Return on equity — net income divided by shareholders' equity, a measure of how efficiently a company turns equity into profit.
- 9. ROA
- Return on assets — net income divided by total assets, a measure of how efficiently a company turns assets into profit.
- 10. MRQ
- Most recent quarter — the single latest reported period, as opposed to TTM. The Financials section's "Quarterly" view below shows MRQ-style figures.
- 11. YoY
- Year over year — percent change versus the same period one year earlier, used for growth figures like those on Compare cards and the Screener.
Short Interest
Source: FINRA Rule 4560 consolidated short interest, settlement date 2026-09-30. Reported bi-monthly with a reporting lag — not real-time.
Quotes and the 1-day extended-hours chart: Yahoo Finance. Longer historical charts: Alpaca (IEX feed) — real-time but IEX-only volume (~2.5% of consolidated market volume). Fundamentals + earnings: Finnhub.
Price history
Drag horizontally to zoom into a section; use Reset view to restore all observations.
Technical signal summary
Calculating from the latest year of daily price history…
Show Technical Analysis Breakdown ▾ 10 Indicators
Not investment advice — read several signals together.
Indicators None active
History limited by data provider; markers are heuristics, not signals.
Peer and sector context
Balanced evidence
A deterministic summary of sourced facts—not an AI verdict.
Potential strengths
- Revenue growth is 17.0% on the provider's reported measure. Finnhub fundamentals ↗
- Latest SEC filing is Form 8-K, filed 2026-10-05; review it for current changes and risks. SEC EDGAR ↗
Potential concerns
- Net profit margin is -1.0%. Finnhub fundamentals ↗
- Trailing 52-week price return is -80.3%. Finnhub market metrics ↗
Rule-based facts only; absence from either side is not evidence, and this is not a recommendation.
More on UWMC
No accessible free API for these — links go to the source directly.
Financials
Fundamental trends
Visualized from the same SEC figures in the tables below.
Income statement
| Line item | Jun '26 | Mar '26 | Sep '25 | Jun '25 | Mar '25 | Sep '24 | Jun '24 | Mar '24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $888.0M | $901.4M | $843.3M | $758.7M | $613.4M | $745.6M | $622.4M | $585.5M |
| Operating income | — | — | — | — | — | — | — | — |
| Net income | -$80.6M | $25.3M | -$1.3M | $22.9M | -$13.7M | -$6.3M | $3.0M | $8.7M |
| EPS (diluted) | $-0.24 | $0.09 | $-0.01 | $0.11 | $-0.12 | $-0.06 | $0.03 | $0.09 |
| EPS (basic) | $-0.24 | $0.09 | $-0.01 | $0.11 | $-0.08 | $-0.06 | $0.03 | $0.09 |
| Net margin | -$9 | $3 | -$0 | $3 | -$2 | -$1 | $0 | $1 |
Balance sheet
| Line item | Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $17.94B | $19.27B | $16.93B | $17.02B | $13.89B | $14.05B | $15.67B | $15.12B |
| Total liabilities | $16.96B | $17.67B | $15.34B | $15.44B | $12.14B | $12.41B | $13.62B | $12.94B |
| Stockholders' equity | — | — | — | — | — | — | — | — |
| Total current assets | — | — | — | — | — | — | — | — |
| Total current liabilities | — | — | — | — | — | — | — | — |
| Cash & equivalents | $498.4M | $424.0M | $503.4M | $870.7M | $490.0M | $485.0M | $507.3M | $636.3M |
| Property, plant & equipment | $174.6M | $180.5M | $180.2M | $165.0M | $166.5M | $153.9M | $146.2M | $148.0M |
| Accrued liabilities | — | — | — | — | — | — | — | — |
| Long-term debt | $2.98B | $2.98B | $2.98B | $3.78B | $2.79B | $2.79B | $2.79B | $2.00B |
| Retained earnings | $118.6M | $216.8M | $189.4M | $169.9M | $170.3M | $160.4M | $157.8M | $116.6M |
Cash flow
| Line item | Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 |
|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $344.0M | -$2.23B | $103.8M | -$3.08B | -$265.9M | $593.9M | -$543.3M | -$2.18B |
| Investing cash flow | $249.8M | $524.3M | $160.3M | $543.0M | $627.9M | $928.4M | $94.8M | $237.4M |
| Financing cash flow | -$519.4M | $1.63B | -$631.4M | $2.92B | -$357.1M | -$1.54B | $319.5M | $1.90B |
| Free cash flow | $334.6M | -$2.25B | $82.0M | -$3.09B | -$290.1M | $576.1M | -$551.6M | -$2.19B |
| Capital expenditures | $9.5M | $19.1M | $21.7M | $10.4M | $24.2M | $17.8M | $8.3M | $12.3M |
| Depreciation & amortization | $14.2M | $15.6M | $15.2M | $14.1M | $13.5M | $12.6M | $12.2M | $12.6M |
| Share-based compensation | $12.5M | $13.2M | $15.6M | $14.7M | $11.7M | $8.3M | $9.0M | $5.8M |
| Deferred income taxes | — | — | $6.8M | — | — | — | $5.3M | — |
| Change in accounts receivable | — | — | — | — | — | — | — | — |
| Purchases of investments | — | — | $0 | $100.0M | — | — | $0 | $0 |
| Dividends paid | $33.0M | $26.8M | $23.4M | $20.6M | $18.8M | $15.8M | $11.3M | $9.6M |
| Share repurchases | — | — | — | — | — | — | — | — |
| Other financing activities | -$3.9M | -$301.0K | $0 | -$4.0K | -$23.0K | -$338.0K | -$10.0K | $0 |
Income statement
| Line item | Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 |
|---|---|---|---|---|---|
| Revenue | $3.16B | $2.67B | $2.17B | $2.37B | $2.97B |
| Operating income | — | — | — | — | — |
| Net income | $27.4M | $14.4M | -$13.2M | $41.7M | $98.4M |
| EPS (diluted) | $0.12 | $0.13 | $-0.14 | $0.45 | $0.66 |
| EPS (basic) | $0.13 | $0.13 | $-0.14 | $0.45 | $0.98 |
| Net margin | $1 | $1 | -$1 | $2 | $3 |
Balance sheet
| Line item | Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 |
|---|---|---|---|---|---|
| Total assets | $16.93B | $15.67B | $11.87B | $13.60B | $22.53B |
| Total liabilities | $15.34B | $13.62B | $9.40B | $10.43B | $19.36B |
| Stockholders' equity | — | — | — | — | — |
| Total current assets | — | — | — | — | — |
| Total current liabilities | — | — | — | — | — |
| Cash & equivalents | $503.4M | $507.3M | $497.5M | $704.9M | $731.1M |
| Property, plant & equipment | $180.2M | $146.2M | $146.4M | $152.5M | $151.7M |
| Accrued liabilities | — | — | — | — | — |
| Long-term debt | $2.98B | $2.79B | $1.99B | $2.00B | $2.00B |
| Retained earnings | $189.4M | $157.8M | $110.7M | $142.5M | $141.8M |
Cash flow
| Line item | Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 |
|---|---|---|---|---|---|
| Operating cash flow | -$2.65B | -$6.24B | $165.2M | $8.27B | -$9.96B |
| Investing cash flow | $2.26B | $2.68B | $1.83B | $1.29B | $199.8M |
| Financing cash flow | $384.0M | $3.58B | -$2.20B | -$9.58B | $9.26B |
| Free cash flow | -$2.72B | -$6.28B | $138.8M | $8.24B | -$10.02B |
| Capital expenditures | $74.0M | $39.5M | $26.4M | $26.6M | $65.4M |
| Depreciation & amortization | $55.5M | $48.8M | $50.1M | $49.4M | $38.0M |
| Share-based compensation | $50.4M | $24.6M | $13.8M | $7.5M | $6.5M |
| Deferred income taxes | $6.8M | $5.3M | -$6.6M | $3.5M | $8.3M |
| Purchases of investments | $100.0M | $0 | $0 | — | — |
| Dividends paid | $78.6M | $39.7M | $37.2M | $36.9M | $30.6M |
| Share repurchases | — | — | $0 | $0 | $81.6M |
| Other financing activities | -$365.0K | -$909.0K | -$1.3M | $0 | $0 |
Source: SEC EDGAR XBRL filings (10-Q/10-K), as originally tagged by the company. Quarterly cash flow is reconstructed by de-cumulating fiscal-year-to-date figures (how cash flow is tagged in 10-Qs); other quarterly lines are reported directly.
Institutional holders
SEC Form 13F filers holding UWMC as of the latest reported quarter. 13F only covers investment managers with $100M+ in assets — this is not a complete ownership picture, and does not include insiders (see Recent SEC filings below) or non-13F-eligible holders.
Insider activity
Directors, officers, and 10%+ owners' reported transactions from SEC Form 4. A filing reports a transaction; it does not by itself explain why it happened.
Source: SEC EDGAR Form 4 filings · checked 25 most recent filings · covers 2026-03-06 to 2026-09-01
Recent transactions
- Insiders have net sold 11,940,690 shares over the last 182 days, across 0 purchases and 12 sales.
- Most recent: HASANI RAMI (EVP, Chief Financial Officer) — Option exercise of 2,500 shares on 2026-09-01.
Deterministic template sentences filled in from the SEC Form 4 figures in the tables below -- not an AI-written summary, no live model call.
Insider purchases & sales, last 6 months
Counts only open-market purchases (code P) and sales (code S) — grants, option exercises, tax withholding, and gifts are excluded since they aren't a market buy/sell decision.
Insider roster
| Name | Title | Most Recent Transaction | Date | Shares |
|---|---|---|---|---|
| HASANI RAMI | EVP, Chief Financial Officer | Option exercise | 2026-09-01 | 2,500 |
| Lawson Laura | EVP, Chief People Officer | Grant / award | 2026-07-31 | 2,689 |
| Wilner Melinda | EVP, COO | Option exercise | 2026-05-19 | 1,608,794 |
| Elezaj Alex | EVP, Chief Strategy Officer | Option exercise | 2026-05-19 | 1,608,794 |
| Mat Ishbia | President and CEO | Open market sale | 2026-05-08 | 1,003,333 |
Recent transactions
| Date | Insider | Title | Transaction | Shares | Price |
|---|---|---|---|---|---|
| 2026-09-01 | HASANI RAMI | EVP, Chief Financial Officer | Option exercise | 2,500 | $1.37 |
| 2026-09-01 | HASANI RAMI | EVP, Chief Financial Officer | Tax withholding | 728 | $1.37 |
| 2026-08-28 | HASANI RAMI | EVP, Chief Financial Officer | Option exercise | 7,971 | $1.49 |
| 2026-08-28 | HASANI RAMI | EVP, Chief Financial Officer | Tax withholding | 2,320 | $1.49 |
| 2026-07-31 | Lawson Laura | EVP, Chief People Officer | Grant / award | 2,689 | $1.82 |
| 2026-07-31 | Lawson Laura | EVP, Chief People Officer | Tax withholding | 783 | $1.82 |
| 2026-05-19 | Wilner Melinda | EVP, COO | Option exercise | 1,608,794 | $2.92 |
| 2026-05-19 | Wilner Melinda | EVP, COO | Tax withholding | 662,059 | $2.92 |
| 2026-05-19 | Elezaj Alex | EVP, Chief Strategy Officer | Option exercise | 1,608,794 | $2.92 |
| 2026-05-19 | Elezaj Alex | EVP, Chief Strategy Officer | Tax withholding | 661,736 | $2.92 |
| 2026-05-08 | Mat Ishbia | President and CEO | Open market sale | 1,003,333 | $3.39 |
| 2026-05-07 | Mat Ishbia | President and CEO | Derivative conversion | 14,245 | — |
| 2026-05-07 | Mat Ishbia | President and CEO | Open market sale | 1,003,333 | $3.39 |
| 2026-05-06 | Mat Ishbia | President and CEO | Open market sale | 1,003,333 | $3.66 |
| 2026-05-05 | Mat Ishbia | President and CEO | Open market sale | 1,003,333 | $3.45 |
| 2026-05-04 | Mat Ishbia | President and CEO | Open market sale | 1,003,333 | $3.57 |
| 2026-05-01 | Mat Ishbia | President and CEO | Derivative conversion | 3,605,772 | — |
| 2026-05-01 | Mat Ishbia | President and CEO | Open market sale | 1,001,024 | $3.62 |
| 2026-04-30 | Mat Ishbia | President and CEO | Open market sale | 934,061 | $3.53 |
| 2026-04-29 | Mat Ishbia | President and CEO | Open market sale | 1,000,574 | $3.50 |
| 2026-04-28 | Mat Ishbia | President and CEO | Open market sale | 986,644 | $3.66 |
| 2026-04-27 | Mat Ishbia | President and CEO | Open market sale | 1,000,574 | $3.78 |
| 2026-04-24 | Mat Ishbia | President and CEO | Open market sale | 1,000,574 | $3.75 |
| 2026-04-23 | Mat Ishbia | President and CEO | Open market sale | 1,000,574 | $3.65 |
| 2026-04-22 | Mat Ishbia | President and CEO | Open market sale | 1,000,574 | $3.70 |
| 2026-04-21 | Mat Ishbia | President and CEO | Open market sale | 1,000,574 | $3.82 |
| 2026-04-20 | Mat Ishbia | President and CEO | Open market sale | 1,000,574 | $3.94 |
| 2026-04-17 | Mat Ishbia | President and CEO | Open market sale | 1,000,574 | $3.93 |
| 2026-04-16 | Mat Ishbia | President and CEO | Open market sale | 1,000,574 | $3.76 |
| 2026-04-15 | Mat Ishbia | President and CEO | Derivative conversion | 11,000,000 | — |
| 2026-04-15 | Mat Ishbia | President and CEO | Open market sale | 1,000,574 | $3.78 |
| 2026-04-14 | Mat Ishbia | President and CEO | Open market sale | 1,000,574 | $3.71 |
| 2026-04-13 | Mat Ishbia | President and CEO | Open market sale | 1,000,574 | $3.66 |
| 2026-04-10 | Mat Ishbia | President and CEO | Open market sale | 1,000,574 | $3.71 |
| 2026-04-09 | Mat Ishbia | President and CEO | Open market sale | 1,000,574 | $3.91 |
| 2026-04-08 | Mat Ishbia | President and CEO | Open market sale | 1,000,574 | $3.87 |
| 2026-04-07 | Mat Ishbia | President and CEO | Open market sale | 1,000,574 | $3.61 |
| 2026-04-06 | Mat Ishbia | President and CEO | Open market sale | 1,000,574 | $3.73 |
| 2026-04-02 | Mat Ishbia | President and CEO | Open market sale | 1,000,574 | $3.69 |
| 2026-04-01 | Mat Ishbia | President and CEO | Derivative conversion | 11,000,000 | — |
| 2026-04-01 | Mat Ishbia | President and CEO | Open market sale | 1,000,574 | $3.63 |
| 2026-03-31 | Mat Ishbia | President and CEO | Open market sale | 1,000,574 | $3.55 |
| 2026-03-30 | Mat Ishbia | President and CEO | Open market sale | 1,000,574 | $3.52 |
| 2026-03-27 | Mat Ishbia | President and CEO | Open market sale | 1,000,574 | $3.49 |
| 2026-03-26 | Mat Ishbia | President and CEO | Open market sale | 1,000,574 | $3.46 |
| 2026-03-25 | Mat Ishbia | President and CEO | Open market sale | 1,000,574 | $3.55 |
| 2026-03-24 | Mat Ishbia | President and CEO | Open market sale | 1,000,574 | $3.63 |
| 2026-03-23 | Mat Ishbia | President and CEO | Open market sale | 1,000,574 | $3.72 |
| 2026-03-20 | Mat Ishbia | President and CEO | Open market sale | 1,000,574 | $3.60 |
| 2026-03-19 | Mat Ishbia | President and CEO | Open market sale | 1,000,574 | $3.67 |
| 2026-03-18 | Mat Ishbia | President and CEO | Open market sale | 1,000,574 | $3.73 |
| 2026-03-17 | Mat Ishbia | President and CEO | Open market sale | 1,000,574 | $3.67 |
| 2026-03-16 | Mat Ishbia | President and CEO | Derivative conversion | 11,000,000 | — |
| 2026-03-16 | Mat Ishbia | President and CEO | Open market sale | 1,000,574 | $3.70 |
| 2026-03-13 | Mat Ishbia | President and CEO | Open market sale | 632,874 | $3.69 |
| 2026-03-12 | Mat Ishbia | President and CEO | Open market sale | 632,874 | $3.78 |
| 2026-03-11 | Mat Ishbia | President and CEO | Open market sale | 632,874 | $3.91 |
| 2026-03-10 | Mat Ishbia | President and CEO | Open market sale | 632,874 | $4.13 |
| 2026-03-09 | Mat Ishbia | President and CEO | Open market sale | 632,874 | $3.78 |
| 2026-03-06 | Mat Ishbia | President and CEO | Open market sale | 632,874 | $3.94 |
Showing the most recent 60 transactions.
Recent SEC filings
Official company reports and insider transaction filings. Form 4 reports a transaction; it does not by itself explain why it happened.
Source: SEC EDGAR submissions · updated 2026-10-22 06:35 UTC
| Filed | Form | Report period | Official filing |
|---|---|---|---|
| 2026-10-05 | 8-K | 2026-10-05 | View on SEC.gov → |
| 2026-10-01 | 8-K | 2026-10-01 | View on SEC.gov → |
| 2026-09-02 | 4 | 2026-09-01 | View on SEC.gov → |
| 2026-08-31 | 4 | 2026-08-28 | View on SEC.gov → |
| 2026-08-07 | 4 | 2026-08-05 | View on SEC.gov → |
| 2026-08-07 | 10-Q | 2026-06-30 | View on SEC.gov → |
| 2026-08-06 | 8-K | 2026-08-05 | View on SEC.gov → |
| 2026-08-04 | 4 | 2026-07-31 | View on SEC.gov → |
| 2026-06-03 | 8-K | 2026-06-03 | View on SEC.gov → |
| 2026-05-21 | 4 | 2026-05-19 | View on SEC.gov → |
| 2026-05-21 | 4 | 2026-05-19 | View on SEC.gov → |
| 2026-05-13 | 8-K | 2026-05-13 | View on SEC.gov → |
Recent news
Headlines about UWMC (UWM Holdings Corporation). Links open the publisher — we don’t host full articles.
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UWMC Nov 2026 2.000 call (UWMC261113C00002000) stock price, news, quote and history
Yahoo Finance UK · 2026-10-21 -
UWMC Nov 2026 1.500 call (UWMC261113C00001500) stock price, news, quote and history
Yahoo Finance UK · 2026-10-21 -
Q3 Appears To Be A Transition Period For Northpointe Bancshares (Downgrade)
SeekingAlpha · 2026-10-21 -
UWMC 261023 4.00C (UWMC261023C4000) Stock Options Chain | Quotes & News
Moomoo · 2026-10-21 -
UWMC Jan 2028 1.500 put (UWMC280121P00001500) Interactive Stock Chart - Yahoo Finance
Yahoo! Finance Canada · 2026-10-20 -
UWMC Jan 2028 1.500 put (UWMC280121P00001500) Stock Price, News, Quote & History
Yahoo! Finance Canada · 2026-10-20 -
UWM (NYSE:UWMC) Shares Down 4.3% - Time to Sell?
MarketBeat · 2026-10-19 -
UWMC Jun 2027 1.500 put (UWMC270617P00001500) interactive stock chart
Yahoo Finance Australia · 2026-10-18
No headlines in this category right now — try “All”.