UWM Holdings Corp
UWMC NYSE· Mortgage Bankers & Loan Correspondents
Last close · Oct 23, 2026
$1.45
KIRA · Stoqly’s AI analyst, in plain words
- UWM Holdings Corp had $3.2B of revenue in fiscal 2025, up 18.2% on the year before. Over five years, revenue changed −8.5% a year on average.
- UWM Holdings Corp made $27.4M of net profit in fiscal 2025.
- Free cash flow was −$2.7B in fiscal 2025, −86.1% of revenue.
- UWM Holdings Corp returned $78.6M to shareholders in fiscal 2025. The diluted share count rose 1,335.9%.
- UWM Holdings Corp owes $2.5B more than it holds in cash.
Market cap
$489M
P/E
—
Revenue
$3.2B
Net income
$27.4M
Free cash flow
−$2.7B
Operating margin
—
UWM Holdings Corp in 30 seconds · fiscal 2025
Are sales growing?
+18.2%
Yes. Sales grew 18.2% last year.
Does it make a profit?
0.9%
A little. It keeps 0.9% of every sale as profit.
Does profit turn into cash?
−86.1%
No. It spent more cash than it brought in.
How healthy are the accounts?
4 / 7
Mixed. It passes 4 of 7 health tests.
How is the share priced?
—
No P/E: it made no profit over the last four quarters.
What UWM Holdings Corp does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 25, 2026
- Legal name
- UWM Holdings Corp
- CIK
- 0001783398
UWM Holdings Corp · UWMC
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $3.0B | $2.4B | $2.2B | $2.7B | $3.2B |
| Revenue growth | −39.9% | −20.1% | −8.7% | 23.5% | 18.2% |
| Net income | $98.4M | $41.7M | −$13.2M | $14.4M | $27.4M |
| Net margin | 3.3% | 1.8% | −0.6% | 0.5% | 0.9% |
| Diluted EPS | $0.66 | $0.45 | −$0.14 | $0.13 | $0.12 |
| Cash | |||||
| Cash from operations | −$10.0B | $8.3B | $165M | −$6.2B | −$2.6B |
| Capital expenditure | $65.4M | $26.6M | $26.4M | $39.5M | $74.0M |
| Free cash flow | −$10.0B | $8.2B | $139M | −$6.3B | −$2.7B |
| FCF margin | −337.4% | 347.4% | 6.4% | −234.9% | −86.1% |
| Dividends paid | $30.6M | $36.9M | $37.2M | $39.7M | $78.6M |
| Share buybacks | $81.6M | $0.0M | $0.0M | — | — |
| Share count change | — | −94.2% | 0.8% | 19.4% | 1,335.9% |
| Debt and strength | |||||
| Cash and short-term investments | $731M | $705M | $497M | $507M | $503M |
| Debt incl. finance leases | $2.1B | $2.0B | $2.0B | $2.8B | $3.0B |
| Shareholders' equity | $3.2B | $3.2B | $2.5B | $2.1B | $1.6B |
| Returns and quality | |||||
| Return on equity | 6.2% | 1.3% | −0.5% | 0.6% | 1.5% |
| Return on tangible equity | 3.1% | 1.3% | −0.5% | 0.7% | 1.7% |
| Piotroski F-score | — | 5 | 3 | 2 | 4 |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$416M
2 insiders
Of sales under plans
100%
$416M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Operating margin:
- Operating income as a share of revenue.
- Net income:
- Profit after all expenses, interest and tax.
- Free cash flow:
- Cash from operations minus capital spending.
- Net debt / EBITDA:
- Years of EBITDA needed to pay off net debt. Below zero means more cash than debt.
- Return on capital:
- After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
UWM Holdings Corp · UWMC
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Margins, % of revenue
Cash vs debt (incl. leases)
Free cash flow
Dividends and buybacks
KIRA
At $1.45 a share, the company is worth $489M.
Source: SEC EDGAR XBRL filings (CIK 0001783398). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.