Stocks · Financial Services · Financial - Mortgages
UWM Holdings Corporation UWMC
$1.29 +2.38% Close, Oct 5, 2026 · NYSE · Market cap $1.91B
Weak trendExpensive vs sectorHigh risk
Next earnings report: Nov 5, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $-0.08, down 375.3% year over year.
- Revenue over the last four quarters was $3.21B, up 70.1% from a year earlier, slowing from 100.3% a quarter earlier.
- Operating margin widened to 29.7% from 7.6% a year earlier.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 6, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 5%
- EPS growth (TTM, YoY)Bottom 3%
- Revenue growth, 3-year CAGRBottom 46%
- Revenue growth accelerationBottom 4%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 29%
- Gross marginTop 9%
- Operating marginTop 29%
- Accruals (lower is better)Bottom 1%
- Net debt / EBITDA (lower is better)Bottom 5%
- Interest coverTop 35%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 8%
- Free-cash-flow yieldBottom 1%
- EBITDA / enterprise valueBottom 39%
- Sales / enterprise valueBottom 25%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 2%
- 6-month returnBottom 1%
- 1-year return vs S&P 500Bottom 2%
- Distance from 52-week highBottom 2%
- Trend checklist (0–4)Bottom 27%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 3%
- Consecutive EPS beatsBottom 17%
- Share of analysts rating BuyBottom 30%
- Upside to consensus price targetTop 3%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 1%
- Maximum drawdown, 3 yearsBottom 3%
- Beta vs S&P 500 (lower is better)Bottom 43%
- Net debt / EBITDA (lower is better)Bottom 5%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 100.3% | 70.1% | ↓ |
| Gross margin | 69.4% | 85.3% | ↑ |
| Operating margin | 7.6% | 29.7% | ↑ |
| FCF margin | -130.4% | -153.6% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 70.1% | 100.3% | ↓ | Top 5% |
| EPS growth (TTM, YoY) | -375.3% | — | Bottom 3% | |
| Gross margin | 85.3% | 69.4% | ↑ | Top 9% |
| Operating margin | 29.7% | 7.6% | ↑ | Top 29% |
| Net margin | -1.2% | 0.6% | ↓ | — |
| Free-cash-flow margin | -153.6% | -130.4% | ↓ | — |
| Return on invested capital | 4.9% | — | Top 29% | |
| Revenue growth, 3-year CAGR | 13.8% | — | Bottom 46% |
Quality of earnings and balance sheet
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- 26.9%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 1.7%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -96.2 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 19.20×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 1.7×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 13.70%
- Net buyback yield (TTM)
- 0.00%
- Shareholder yield
- 13.70%
- Share count change, 1 year
- +4.6%
- Share count change, 3-year CAGR
- +31.4%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 7, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 0
- Beats in the last 8 reports
- 2 of 8
- Average EPS surprise, last 4
- -100.0%
- Average 2-day reaction, last 8
- -9.1%
- Positive 20 days after report
- 2 of 8
Analysts
- Consensus price target
- $2.90
- Target vs current price
- +124.8%
- Analysts with a rating
- 15
- Share rating Buy or Strong Buy
- 33%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Aug 6, 2026 | -414.7% | -34.8% | -17.9% | -21.2% | — |
| May 6, 2026 | +50.0% | +1.7% | -5.2% | -20.4% | -46.9% |
| Feb 25, 2026 | -11.1% | -8.8% | -6.8% | -20.8% | -34.0% |
| Nov 6, 2025 | -86.9% | -10.1% | -2.7% | +2.5% | -10.2% |
| Aug 7, 2025 | +166.7% | +6.6% | +32.5% | +39.8% | +32.5% |
| May 6, 2025 | -483.3% | -14.7% | -10.9% | -13.6% | -15.7% |
| Feb 26, 2025 | -70.5% | -5.8% | -2.6% | -13.8% | -39.7% |
| Nov 7, 2024 | -87.5% | -7.1% | -11.0% | -5.4% | -9.2% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Aug 6, 2026 | -$0.23 | $0.07 | -414.7% | $162.1M |
| May 6, 2026 | $0.09 | $0.06 | +50.0% | $752.9M |
| Feb 25, 2026 | $0.08 | $0.09 | -11.1% | $759.0M |
| Nov 6, 2025 | $0.01 | $0.08 | -86.9% | $563.2M |
| Aug 7, 2025 | $0.16 | $0.06 | +166.7% | $758.7M |
| May 6, 2025 | -$0.23 | $0.06 | -483.3% | $224.8M |
| Feb 26, 2025 | $0.02 | $0.07 | -70.5% | $560.2M |
| Nov 7, 2024 | $0.01 | $0.08 | -87.5% | $526.4M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (forward) | 6.7× | — | — | — |
| EV / EBITDA | 21.8× | — | — | Bottom 39% |
| EV / Sales | 5.01× | — | — | Bottom 25% |
| Free-cash-flow yield | -257.70% | — | — | Bottom 1% |
| Earnings yield | -6.21% | — | — | Bottom 8% |
P/E over the past five years
Range 0.3× – 276.0× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- -78.7%
- Earnings per share growth (TTM)
- -375.3%
- Change in P/E multiple
- -74.1%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✓ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✗ 50-day average above 200-day
- ✓ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -17.5%
- 200-day average slope (20 days)
- -11.8%
- Distance from 50-day average
- -10.9%
- Distance from 200-day average
- -58.8%
- RSI (14)
- 46.2
- Relative volume
- 1.18×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 107.5%
- Volatility vs own 5-year history
- 98th percentile · High for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.76
- Correlation with S&P 500
- 0.20
- Current drawdown from 1-year high
- -78.9%
- Maximum drawdown, 3 years
- -87.6%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Dec 28, 2020 | Sep 30, 2026 | -91.5% | 1445 days | Not yet recovered |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $1.91B
- EPS, diluted (TTM)
- -$0.08
- Revenue (TTM)
- $3.21B
- Dividend yield
- 23.26%
- 52-week range
- $0.93 – $6.17
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $2.83B | $2.15B | $1.11B | $1.91B | $3.16B |
| Gross profit | $2.48B | $1.81B | $755.0M | $1.37B | $2.71B |
| Operating income | $1.58B | $934.7M | -$76.3M | $336.0M | $1.83B |
| Net income | $98.4M | $41.7M | -$13.2M | $14.4M | $27.4M |
| EPS (diluted) | $0.66 | $0.45 | -$0.14 | $0.13 | $0.12 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $459.4M | $478.6M | $161.6M | $784.6M | $470.7M | $945.2M | $901.4M | $888.0M |
| Net income | -$6.3M | $8.9M | -$13.7M | $22.9M | -$1.3M | $19.4M | $25.3M | -$80.6M |
| EPS (diluted) | -$0.06 | $0.07 | -$0.09 | $0.11 | -$0.01 | $0.08 | $0.09 | -$0.24 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | -$9.96B | $8.27B | $165.2M | -$6.24B | -$2.65B |
| Capital expenditure | -$65.4M | -$26.6M | -$26.4M | -$39.5M | -$74.0M |
| Free cash flow | -$10.02B | $8.24B | $138.8M | -$6.28B | -$2.72B |
| Dividends paid | -$1.50B | -$788.0M | -$37.2M | -$39.7M | -$716.6M |
| Net share buybacks | -$81.6M | $0 | $0 | $0 | $0 |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $498.4M
- Total assets
- $17.94B
- Total liabilities
- $16.96B
- Total debt
- $14.65B
- Net debt
- $14.15B
- Shareholders’ equity
- $133.7M
As of Jun 30, 2026 (filed Aug 7, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Jun 18, 2026 | $0.10 | Jul 9, 2026 |
| Mar 19, 2026 | $0.10 | Apr 9, 2026 |
| Dec 18, 2025 | $0.10 | Jan 8, 2026 |
| Sep 18, 2025 | $0.10 | Oct 9, 2025 |
| Jun 18, 2025 | $0.10 | Jul 10, 2025 |
| Mar 20, 2025 | $0.10 | Apr 10, 2025 |
| Dec 19, 2024 | $0.10 | Jan 9, 2025 |
| Sep 19, 2024 | $0.10 | Oct 10, 2024 |
Short interest
- Shares sold short
- 83,965,936
- Days to cover
- 7.64
- Change vs previous report
- -0.2%
FINRA short interest, settlement date Sep 15, 2026.