UWM Holdings (UWMC) Stock Overview
Engages in the origination, sale, and servicing residential mortgage lending in the United States. More details
| Snowflake Score | |
|---|---|
| Valuation | 3/6 |
| Future Growth | 2/6 |
| Past Performance | 1/6 |
| Financial Health | 2/6 |
| Dividends | 2/6 |
UWMC Community Fair Values
Create NarrativeSee what 11 others think this stock is worth. Follow their fair value or set your own to get alerts.
Analyst Price Targets
UWM Holdings Corporation Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$2.08 |
| 52 Week High | US$7.14 |
| 52 Week Low | US$1.98 |
| Beta | 1.81 |
| 1 Month Change | -12.61% |
| 3 Month Change | -44.24% |
| 1 Year Change | -49.88% |
| 3 Year Change | -65.45% |
| 5 Year Change | -73.02% |
| Change since IPO | -77.63% |
Recent News & Updates
Narrative Update • Jul 07
UWMC: Dividend Reset And Special Meeting Will Shape Upside Potential
Analysts have trimmed the fair value estimate for UWM Holdings from about $9.18 to roughly $6.31 and lowered future P/E assumptions, citing the prolonged impact of higher mortgage rates on profitability, a tougher interest rate backdrop through 2028, and the potential for a dividend cut to support balance sheet strength. Analyst Commentary Recent research around UWM Holdings highlights a mix of caution on earnings and interest rates alongside some clear pockets of optimism on valuation, capital flexibility, and potential catalysts tied to the dividend policy.Seeking Alpha • Jun 28
UWM Holdings: A Messy Situation But Deep Value And High Teens Yield Make Me Bullish
Summary UWM Holdings has seen its shares fall to lifetime lows amid macro-driven and M&A headwinds. Q1 earnings results showed strong recovery as revenues soared and EPS beat expectations. UWM Holdings trades at just 5.4x forward earnings and offers a huge dividend that should be sustainable based on current EPS estimates. The Two Harbors M&A situation has been frustrating, but I expect UWMC shares to rebound once it is finally resolved. Read the full article on Seeking Alpha
Narrative Update • Jun 23
UWMC: Balanced Model And Dividend Reset Are Expected To Unlock Future Upside
The updated analyst price target for UWM Holdings moves lower to $4, with the shift largely tied to a tougher interest rate backdrop, ongoing leverage and dividend concerns, and a more cautious view on the company’s ability to sustain prior profitability expectations. Analyst Commentary Recent research on UWM Holdings points to a more mixed setup, with analysts weighing pressure from higher mortgage rates against valuation support and potential balance sheet changes.Recent updates
Narrative Update • Jul 07
UWMC: Dividend Reset And Special Meeting Will Shape Upside Potential
Analysts have trimmed the fair value estimate for UWM Holdings from about $9.18 to roughly $6.31 and lowered future P/E assumptions, citing the prolonged impact of higher mortgage rates on profitability, a tougher interest rate backdrop through 2028, and the potential for a dividend cut to support balance sheet strength. Analyst Commentary Recent research around UWM Holdings highlights a mix of caution on earnings and interest rates alongside some clear pockets of optimism on valuation, capital flexibility, and potential catalysts tied to the dividend policy.Seeking Alpha • Jun 28
UWM Holdings: A Messy Situation But Deep Value And High Teens Yield Make Me Bullish
Summary UWM Holdings has seen its shares fall to lifetime lows amid macro-driven and M&A headwinds. Q1 earnings results showed strong recovery as revenues soared and EPS beat expectations. UWM Holdings trades at just 5.4x forward earnings and offers a huge dividend that should be sustainable based on current EPS estimates. The Two Harbors M&A situation has been frustrating, but I expect UWMC shares to rebound once it is finally resolved. Read the full article on Seeking AlphaNarrative Update • Jun 23
UWMC: Balanced Model And Dividend Reset Are Expected To Unlock Future Upside
The updated analyst price target for UWM Holdings moves lower to $4, with the shift largely tied to a tougher interest rate backdrop, ongoing leverage and dividend concerns, and a more cautious view on the company’s ability to sustain prior profitability expectations. Analyst Commentary Recent research on UWM Holdings points to a more mixed setup, with analysts weighing pressure from higher mortgage rates against valuation support and potential balance sheet changes.
Narrative Update • Jun 08
UWMC: Dividend Reset After Two Harbors Outcome Will Drive Bullish Repricing
Analysts have trimmed their price targets on UWM Holdings to about $4.50 per share, citing a higher discount rate, softer revenue and margin assumptions, and the potential for a dividend cut that could ultimately support the balance sheet and valuation. Analyst Commentary Recent Street research on UWM Holdings has leaned cautious, with several bearish analysts trimming price targets and flagging balance sheet and deal execution questions.Narrative Update • May 25
UWMC: Two Harbors Merger Execution Will Shape Upside Potential
Analysts have reduced the average price target on UWM Holdings by approximately $0.50, reflecting slightly lower fair value estimates, a more modest revenue growth outlook, and a revised future P/E assumption following recent guidance and commentary across the Street. Analyst Commentary Recent research updates present a mixed but informative view of UWM Holdings, with most firms refining price targets after the latest earnings and guidance.Narrative Update • May 11
UWMC: Two Harbors Merger And Revenue Outlook Will Support Future Upside
Analysts have reduced the UWM Holdings fair value estimate by $1.00 to $5.59. This reflects a higher discount rate, more cautious revenue assumptions, and a higher future P/E multiple in light of recent reductions in Street price targets and neutral to Hold views across several firms.Narrative Update • Apr 26
UWMC: Communication And Two Harbors Merger Risks Will Shape Fairly Balanced Outlook
Analysts have reduced the UWM Holdings fair value estimate from $4.75 to $4.00. This reflects lower Street price targets of around $4.40 to $6.50, a higher discount rate, and a more conservative future P/E assumption, while keeping growth and margin inputs relatively steady.Narrative Update • Apr 11
UWMC: Communication Risks Around Two Harbors Deal Will Shape Bullish Outlook
Analysts have trimmed their average price targets on UWM Holdings to a range centered around $6. The updated fair value estimate of $4.75, versus $4.40 previously, reflects more cautious revenue and margin assumptions, a slightly higher discount rate, and a modestly higher future P/E multiple following mixed reactions to recent guidance and the Two Harbors deal.Narrative Update • Mar 04
UWMC: Earnings Communication And Acquisition Risk Set To Shape Balanced Outlook
The analyst price target for UWM Holdings has been reduced by $0.60 to reflect lower Q1 revenue expectations, higher perceived risk, and mixed sentiment around the recent earnings call format and the pending Two Harbors acquisition, even as analysts point to solid $50b quarterly originations as support for scale. Analyst Commentary Recent Street research around UWM Holdings shows a clear tilt toward more cautious views, even as some analysts still acknowledge the company's scale and quarterly originations.Narrative Update • Feb 18
UWMC: Policy Support And Credit Risk Set To Shape Balanced Outlook
Analysts have reset their fair value estimate for UWM Holdings to $5.00 from $4.50, citing updated assumptions around refinancing sensitivity, housing policy support for originators, and a sharply lower future P/E multiple in their models. Analyst Commentary Recent Street research around UWM Holdings highlights a mix of policy driven optimism and valuation caution, with several firms reassessing how much support is already reflected in the share price.Narrative Update • Feb 04
UWMC: Policy Shifts And Refinance Activity Will Support Future Upside
Narrative Update Analysts now frame UWM Holdings with a reduced price target of $5, cut from $6, as they reassess sector risks and the durability of policy driven mortgage tailwinds, while keeping underlying fair value assumptions and long term earnings drivers broadly unchanged. Analyst Commentary Recent Street research presents a mixed picture for UWM Holdings, with policy headlines, rate moves, and sector wide risk reassessments all influencing how analysts think about valuation and execution risk.Narrative Update • Jan 21
UWMC: Policy Tailwinds And Refinance Activity Will Support Future Upside
Analysts recently trimmed their price target on UWM Holdings to US$5 from US$6, citing mortgage rate moves, policy headlines, and broader credit and housing support expectations that they believe are already partially reflected in current trading levels. Analyst Commentary Recent commentary around UWM Holdings centers on how much of the potential policy and rate backdrop is already embedded in the share price, with investors trying to balance possible refinance upside against questions on sustainability and broader credit risk.Narrative Update • Jan 07
UWMC: Credit Resilience And Loan Momentum Will Support Future Upside
Analysts have trimmed their price targets on UWM Holdings, with one cut highlighted from US$6 to US$5, reflecting updated expectations for fair value, profit margins and future P/E assumptions as they weigh loan growth potential against credit risk. Analyst Commentary Recent commentary around UWM Holdings centers on how much upside is left after the latest price target trim and what could still go wrong if credit conditions become more challenging.Narrative Update • Dec 14
UWMC: Resilient Credit Performance Will Support Optimism Amid Elevated Rate Environment
Analysts have nudged their average price target on UWM Holdings up to $7.00 from $6.00, citing resilient credit performance, cautious but improving sentiment around the mortgage market, and a view that shares had largely rerated to reflect expectations for lower long term interest rates. Analyst Commentary Analyst views on UWM Holdings have become more balanced, with recent research highlighting both improving fundamentals and emerging valuation risks following the stock's sharp move higher.Narrative Update • Nov 30
UWMC: Steady Credit Performance Will Drive Optimism Despite Rate Headwinds
Analysts have increased their price target for UWM Holdings to $7.00, up from the previous $6.00. They cite steady credit performance and improving sentiment in the mortgage market, despite ongoing caution around rates and valuations.Narrative Update • Nov 15
UWMC: Strong Credit Trends Will Likely Improve Earnings Amid Rate Uncertainty
The average analyst price target for UWM Holdings has increased from $6.59 to $7.00. This reflects improved outlooks on revenue growth, profit margins, and fair value as analysts cite strong credit performance and a more optimistic mortgage market despite elevated rate expectations.Narrative Update • Oct 31
UWMC: Credit Strength And Rate Momentum Will Drive Upside Potential
Analysts have modestly increased their price target for UWM Holdings, raising it from $6.53 to $6.59 per share. They cite steady credit performance and improved sector optimism, but remain cautious due to concerns over valuation and interest rates.Narrative Update • Oct 17
Advanced AI And In-house Servicing Will Transform Mortgage Markets
The analyst consensus price target for UWM Holdings has increased from $6.03 to $6.53 per share, as analysts highlight resilient credit performance and improved mortgage market sentiment. However, they also note ongoing risks tied to elevated interest rates and valuation.Narrative Update • Oct 03
Advanced AI And In-house Servicing Will Transform Mortgage Markets
UWM Holdings’ analyst price target has been revised upward from $5.78 to $6.03. Analysts highlight improving growth prospects and note that valuation concerns remain amid changing expectations for mortgage rates.Analysis Article • May 29
Shareholders Will Probably Hold Off On Increasing UWM Holdings Corporation's (NYSE:UWMC) CEO Compensation For The Time Being
Key Insights UWM Holdings to hold its Annual General Meeting on 4th of June CEO Mat Ishbia's total compensation...Seeking Alpha • Mar 25
UWM Holdings: Record 2024 Performance Sets Stage For Future Gains
Summary In 2024’s worst home sales since 1995, UWM smashed records with $96B in purchase loans while doubling its refinance market share to 12%. With a $3.5B profit precedent at 6%, UWM is primed for a $260B refinance origination surge if rates drop, capitalizing on future macroeconomic shifts. Despite a 92% Ishbia family-owned float fueling volatility and short-seller noise, UWM’s $2.5B cash pile and committed dividend policy offers investors a great buying opportunity. Read the full article on Seeking AlphaSeeking Alpha • Jan 26
UWM Holdings: 6.5% Dividend While Waiting For Refinancing Boom
Summary UWMC dominates the broker channel market, aiming to exceed 50% market share, with substantial growth in purchase originations despite high interest rates. Proprietary tech investments enhance efficiency and scalability, positioning UWMC to capitalize on refinancing volume spikes when interest rates decline. Key risks include prolonged high mortgage rates, increased broker channel competition, and potential dividend or buyback issues. Holding UWMC offers a 6.5% dividend yield and a free call option on a refinancing boom, making it a strategic addition to a diversified income portfolio. Read the full article on Seeking AlphaSeeking Alpha • Oct 01
UWM Holdings: Paving The Path To Success In The Mortgage Lending Industry
Summary UWMC is outpacing the S&P 500 with a 22% return YTD in 2024, positioning its share price to move higher with the next rate cut cycle. UWM's ability to excel in both purchase and refinance markets has fueled its growth, demonstrating resilience through the rate cycle and aligning itself for an oncoming refinancing & purchasing surge. While bullish on UWM’s long-term, housing market softening, recession indicators, and the company’s elevated payout ratio need improvement to ensure sustainable profitability for the company. Read the full article on Seeking Alpha
New Narrative • Aug 21
Mixed Mortgage Market Prospects Amid Rate Cuts Could Squeeze Margins But Tactical Tech Investments Offer Growth Hope
Heavy reliance on broker channels and the strategic focus on maintaining staff levels may squeeze net margins if loan volumes don't increase as expected.Shareholder Returns
| UWMC | US Diversified Financial | US Market | |
|---|---|---|---|
| 7D | -4.1% | -1.9% | 0.1% |
| 1Y | -49.9% | -3.8% | 20.3% |
Return vs Industry: UWMC underperformed the US Diversified Financial industry which returned -3.3% over the past year.
Return vs Market: UWMC underperformed the US Market which returned 20.6% over the past year.
Price Volatility
| UWMC volatility | |
|---|---|
| UWMC Average Weekly Movement | 7.0% |
| Diversified Financial Industry Average Movement | 5.9% |
| Market Average Movement | 7.3% |
| 10% most volatile stocks in US Market | 16.7% |
| 10% least volatile stocks in US Market | 3.2% |
Stable Share Price: UWMC has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: UWMC's weekly volatility (7%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1986 | 9,100 | Mat Ishbia | www.uwm.com |
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.
UWM Holdings Corporation Fundamentals Summary
| UWMC fundamental statistics | |
|---|---|
| Market cap | US$3.33b |
| Earnings (TTM) | US$66.36m |
| Revenue (TTM) | US$3.61b |
10.6x
P/E Ratio0.2x
P/S RatioIs UWMC overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| UWMC income statement (TTM) | |
|---|---|
| Revenue | US$3.61b |
| Cost of Revenue | US$0 |
| Gross Profit | US$3.61b |
| Other Expenses | US$3.54b |
| Earnings | US$66.36m |
Last Reported Earnings
Mar 31, 2026
Next Earnings Date
n/a
| Earnings per share (EPS) | 0.20 |
| Gross Margin | 100.00% |
| Net Profit Margin | 1.84% |
| Debt/Equity Ratio | 1,025.5% |
How did UWMC perform over the long term?
See historical performance and comparisonDividends
19.2%
Current Dividend Yield147%
Payout RatioCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/07/12 01:48 |
| End of Day Share Price | 2026/07/10 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
UWM Holdings Corporation is covered by 15 analysts. 6 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Mark DeVries | Barclays |
| Terry Ma | Barclays |
| Douglas Harter | BTIG |