Accessibility Menu
UWM Holdings logo

UWM Holdings(NYSE) UWMC

Current Price$1.83
Market Cap$624.18MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2020)-69%
5 Year-64%
1 Year-56%
1 Month-10%
UWM Holdings last closing stock price
MetricPriceDate
Last closeUSD 1.842026-07-22
UWM Holdings stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-9.36%USD 2.032026-07-15
1 month-10.24%USD 2.052026-06-22
3 month-47.56%USD 3.512026-04-23
Year to date-54.84%USD 4.072025-12-31
1 year-55.91%USD 4.172025-07-22
3 year-62.42%USD 4.902023-07-21
5 year-63.76%USD 5.082021-07-23
Since inception-69.45%USD 6.022020-03-24

UWM Holdings Financials at a Glance

Market Cap

$624.18MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$3.10B

Net Income (TTM)

$66.36M

EPS (TTM)

$0.27

P/E Ratio

6.84

Dividend

$0.40

Beta (Volatility)

1.10 (Average)

Price

$1.83

Volume

418,682

Open

$1.93

Previous Close

$1.83

Daily Range

$1.83 - $1.94

52-Week Range

$1.82 - $7.14

Estimated Earnings Date

Aug 6, 2026

UWMC News

Getty - dividend income-1200x800-5b2df79

UWM Holdings Yields Tops 19%. Here's Why That Huge Payout Is a Warning, Not a Gift.

Thomas NielJul 14, 2026
24_05_13 A person using a calculator with a piggy bank in the foreground _MF DLoad -1200x800-5b2df79

UWM Walked Away From the Two Harbors Bidding War. That Might Be the Best News for Shareholders.

Reuben Gregg BrewerJul 9, 2026
GettyImages-1755445620

With Mortgage Rates Stuck High, Can UWM Holdings Keep Taking Market Share?

Jeff SiegelJun 10, 2026
SellAlert-Purple.png

UWM Holdings' (UWMC) CEO Sells 2 Million Shares for $7.5 Million

Cory RenauerApr 19, 2026
cryptocurrency-stocks-infographic

Best Crypto Stocks for 2026

Anders BylundApr 16, 2026
SellAlert-Red.png

UWM's CEO Dumped 2 Million Shares Worth $7.5 Million. Should Investors Avoid the Stock?

Robert IzquierdoApr 12, 2026
Two people conferring with another person in the kitchen of a home

Why UWM Holdings Stock Sank by 10% in February

Eric VolkmanMar 8, 2026
SellAlert-Green.png

UWM Holdings CEO Sells Nearly 2M Shares For $9M

Adé HennisMar 1, 2026
Page 1

UWMC: Motley Fool Moneyball Superscore

56

Our CEO Is Handing Members His Secret Weapon

It's called Motley Fool Moneyball, our new proprietary AI tool

We spent over half a million dollars in R&D to build a tool that makes stock research faster, sharper, and smarter. Our analysts use it every day, and now, you can too.

Get Access Now

About UWM Holdings

UWM helps people get home loans through independent brokers. It does not work with home buyers directly. The company provides the money and technology for mortgages.

The Loan Menu

  • Agency Loans: Mortgages sold to government-sponsored entities like Fannie Mae; these accounted for 90% of loan volume in 2025.
  • Government-Insured Loans: Mortgages guaranteed by federal agencies like the Federal Housing Administration or the Veterans Administration.
  • Specialty Mortgages: Products including jumbo loans for expensive properties and home equity lines of credit.
  • Servicing Rights: Rights to manage loan payments and administrative tasks for a fee after loans are sold.

Strategic Moves and Mergers

  • Announced a merger with Two Harbors Investment Corp. to expand its mortgage servicing operations.
  • Invested in BILT Technologies in 2025 to improve loyalty tools for brokers and borrowers.
  • Launched the BOLT system in 2021 to speed up loan approvals using artificial intelligence.
  • Started a plan to move most loan servicing to an in-house platform by the end of 2026.

Why the Broker Model Works

UWM operates only through the wholesale channel, which means it supports independent mortgage brokers instead of selling directly to the public. The company uses artificial intelligence and custom software to approve loans faster than the industry average.

Growth by the Numbers

  • Revenue reached $945.2 million in Q4 2025, up 97.5% from $478.6 million in Q4 2024.
  • Net income hit $19.4 million in Q4 2025, a 117.6% increase from the $8.9 million reported one year earlier.
  • Operating income rose to $559.5 million in Q4 2025, up from $42.3 million in Q4 2024.
  • Free cash flow hit $82 million in Q4 2025, which improved from a loss of $551.6 million in Q4 2024.

Bottom Line

UWM has transformed from a private company into a large, technology-focused mortgage lender. Its decision to move loan management in-house demonstrates its push for greater control over the loan lifecycle.

AI Generated • May 1, 2026

Industry

Diversified Financial Services

Sector

Financials

Employees

9,100

CEO

Mat Ishbia

Website

www.uwm.com

Headquarters

Pontiac, MI 48341, US

UWMC Financials

Key Financial Metrics (TTM)

Gross Margin

82.52%

Operating Margin

39.73%

Net Income Margin

2.14%

Return on Equity

33.91%

Return on Capital

12.52%

Return on Assets

0.34%

Earnings Yield

14.62%

Dividend Yield

21.74%

Payout Ratio

5.74%

Stock Overview

Market Cap

$624.18MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

339.23M

Volume

418.68K

Avg. Volume

21.06M

Financials (TTM)

Gross Profit

$2.56B

Operating Income

$1.23B

EBITDA

$1.03B

Operating Cash Flow

-$5.47B

Capital Expenditure

-$75.35M

Free Cash Flow

-$5.55B

Cash & ST Invst.

$424.00M

Total Debt

$16.22B

UWM Holdings Performance Analysis

UWM Holdings annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 2,088,522,000-41.3%
20232023-12-31USD 2,165,475,0003.7%
20242024-12-31USD 2,458,690,00013.5%
20252025-12-31USD 3,458,695,00040.7%
UWM Holdings sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-30385.5%
Q32025-09-30-40.0%
Q42025-12-31100.8%
Q12026-03-31-4.6%
UWM Holdings annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 0.45-32.1%
20232023-12-31USD -0.14N/A
20242024-12-31USD 0.13N/A
20252025-12-31USD 0.12-6.0%
UWM Holdings sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-30223.7%
Q32025-09-30-105.2%
Q42025-12-311426.3%
Q12026-03-3119.0%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$901.43M

+457.8%

Gross Profit

$769.09M

+2395.9%

Gross Margin

85.32%

N/A

Market Cap

$624.18MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$68.59K

N/A

Employees

9,100

N/A

Net Income

$25.30M

+285.0%

EBITDA

$332.65M

+234.0%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$424.00M

-12.6%

Total Debt

$16.22B

+40.1%

Accounts Receivable

$2.40B

+407.1%

Inventory

$0.00

N/A

Long Term Debt

$3.19B

+45.1%

Short Term Debt

$13.02B

+39.0%

Return on Assets

0.34%

N/A

Return on Invested Capital

22.44%

N/A

Free Cash Flow

-$2.25B

-490.4%

Operating Cash Flow

-$2.23B

-475.5%

Other Investments to Explore

People Also Watch

Symbol / CompanyPricePrice Chg
MORNMorningstar, Inc.
$166.83+0.68%
KNSLKinsale Capital Group, Inc.
$325.64-4.07%
WALWestern Alliance Bancorporation
$83.41+3.61%
FRHCFreedom Holding Corp.
$158.06-1.24%

Trending Stocks

Symbol / CompanyPricePrice Chg
TAT&T
$23.04+0.04%
AALAmerican Airlines Group
$14.79-0.03%
PATHUiPath
$10.70-0.11%
NOKNokia
$10.28-0.03%

Questions About UWMC

What is the current price of UWM Holdings?

UWM Holdings is trading at $1.83 per share.

What is the 52-week range for UWM Holdings?

Over the past 52 weeks, UWM Holdings has traded between $1.82 and $7.14.

How much debt does UWM Holdings have?

As of the most recent reporting period, UWM Holdings reported total debt of $16.22B.

How much cash does UWM Holdings have on hand?

UWM Holdings reported $424.00M in cash and cash equivalents in its most recent financial results.

What is UWM Holdings’s dividend yield?

UWM Holdings currently has a dividend yield of 21.74%.

Premium Investing Services

Invest better with The Motley Fool. Get stock recommendations, portfolio guidance, and more from The Motley Fool's premium services.

View Premium Services