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UWM Holdings Corp

Financial Services US UWMC

5.7USD
0.35(6.54%)

Last update at 2025-04-02T16:54:00Z

Day Range

5.385.83
LowHigh

52 Week Range

3.017.43
LowHigh

Fundamentals

  • Previous Close 5.35
  • Market Cap22300.99M
  • Volume5990160
  • P/E Ratio47.99
  • Dividend Yield5.62%
  • EBITDA730.12M
  • Revenue TTM2098.88M
  • Revenue Per Share TTM22.57
  • Gross Profit TTM 2088.52M
  • Diluted EPS TTM0.15

Analyst Recommendations

Financials

Income Statement

2018-12-312019-12-312020-12-312021-12-312022-12-310M500M1000M1500M2000M2500M3000M3500M4000M4500M
Total Revenue
Net Income

Balancesheet

2018-12-312019-12-312020-12-312021-12-312022-12-310M2000M4000M6000M8000M10000M12000M14000M16000M18000M20000M22000M
Total Assets
Total Liabilities

Change in Cash

2018-12-312019-12-312020-12-312021-12-312022-12-31-400M-200M0M200M400M600M800M1000M

Total Operating Cash

2018-12-312019-12-312020-12-312021-12-312022-12-31-10000M-8000M-6000M-4000M-2000M0M2000M4000M6000M8000M10000M

Dividends Paid

2018-12-312019-12-312020-12-312021-12-312022-12-31-1800M-1600M-1400M-1200M-1000M-800M-600M-400M-200M0M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax 934.67M 934.67M 1578.24M 3384.96M -
Minority interest -890.14300M -1469.95500M - - -
Net income 41.72M 931.86M 1568.40M 3382.51M -
Selling general administrative 732.43M 732.43M 831.01M 651.00M -
Selling and marketing expenses 74.17M 74.17M 62.47M 20.37M -
Gross profit 1810.25M 1719.88M 2529.02M 4682.77M -
Reconciled depreciation 49.40M 35.08M 570.35M 129.14M -
Ebit 1240.66M 354.68M 108.29M 3384.96M 85.83M
Ebitda 1285.89M 399.92M 143.36M 3955.31M -
Depreciation and amortization 45.23M 45.23M 35.08M 570.35M -
Non operating income net other - - 1.10M - -
Operating income 1240.66M 354.68M 108.29M 3384.96M -
Other operating expenses 253.72M 1437.96M -2420.73300M -1297.81400M 24.82M
Interest expense 305.99M 305.99M 304.66M 167.04M 0.00000M
Tax provision 2.81M 9.84M 0.08M 0.00000M -
Interest income 314.46M 331.77M 1.10M 155.13M -
Net interest income 8.47M 27.11M 1.10M -9.00200M -
Extraordinary items - - - - -
Non recurring 305.99M - - - -
Other items - - - - -
Income tax expense 2.81M 2.81M 9.84M 2.45M 0.06M
Total revenue 1810.25M 1810.25M 2529.02M 4682.77M -
Total operating expenses 253.72M 1347.59M -2420.73300M -1297.81400M -
Cost of revenue 90.37M 90.37M - - -
Total other income expense net -305.98700M 579.99M 1469.95M 1101.13M -
Discontinued operations - - - - -
Net income from continuing ops 931.86M 1568.40M -5.80731M 415.06M -
Net income applicable to common shares 41.72M 98.44M 3382.51M 415.06M 91.32M
Preferred stock and other adjustments - - - - -
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Total assets 13600.62M 13600.62M 22528.36M 0.41M -
Intangible assets 4453.26M 4453.26M 3314.95M - -
Earning assets - - - - -
Other current assets 246.10M 67.36M 183.89M 0.41M 44.59M
Total liab 10428.93M 10428.93M 19357.36M 0.43M -
Total stockholder equity 143.56M 143.56M 142.40M -0.01400M -
Deferred long term liab - - 14.88M - -
Other current liab -7633.71100M -7193.99200M -17040.30300M 0.28M 61.95M
Common stock 0.16M 0.16M 0.16M 0.00115M -
Capital stock 0.16M 0.16M 0.00000M - -
Retained earnings 142.50M 142.50M 141.81M -0.03900M 294.21M
Other liab 71.69M 32.38M - - -
Good will - - - - -
Other assets 12100.41M 12100.41M 17600.83M 0.41M 10.50M
Cash 704.90M 704.90M 731.09M 0.00112M -
Cash and equivalents - - - - -
Total current liabilities 7633.71M 439.72M 17040.30M 0.43M 2361.15M
Current deferred revenue - - - - -
Net debt 8729.61M 8729.61M 17376.21M 0.15M -
Short term debt 7193.99M 7193.99M 15954.94M 0.15M -
Short long term debt 750.00M 15954.94M 1.00M 0.15M -
Short long term debt total 9434.51M 9434.51M 18107.29M 0.15M -
Other stockholder equity 0.90M 0.90M 0.44M 0.02M -
Property plant equipment 152.48M 313.54M 223.60M 140.85M 48.58M
Total current assets 1201.34M 1201.34M 1203.80M 0.41M 2652.90M
Long term investments 7563.32M 17540.68M - - -
Net tangible assets 143.56M -3172.55100M 617.42M -70.03000M -49.06600M
Short term investments 113.29M 113.29M 152.26M - -
Net receivables 425.37M 425.37M 472.71M 5577.67M 2566.20M
Long term debt 2135.43M 2135.64M 815.85M - -
Inventory - - -183.88900M - -
Accounts payable 439.72M 439.72M 1085.37M 250.00M 186.10M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity 3028.13M 3028.60M - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income - - - - -
Additional paid in capital - - - - -
Common stock total equity 0.16M 0.16M 400.49M 0.00115M -
Preferred stock total equity - - - - -
Retained earnings total equity 142.50M 141.81M -5.84631M - -
Treasury stock - - - - -
Accumulated amortization - - - - -
Non currrent assets other -4524.33300M -4524.33300M -3723.73000M - -
Deferred long term asset charges - - - - -
Non current assets total 298.88M 298.88M 3723.73M 0.00000M -
Capital lease obligations 154.84M 170.20M 127.67M - -
Long term debt total 2135.43M 2135.64M - - -
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Investments 10.99M 1.11M -425.33131M 1.11M 1.11M
Change to liabilities -129.97000M 143.19M 526.13M 0.00000M 56.90M
Total cashflows from investing activities 1290.35M 199.75M 231.88M 577.38M 170.74M
Net borrowings 731.52M 961.85M 2487.59M 3082.59M 734.24M
Total cash from financing activities -9584.71800M -9584.71800M 9264.46M 802.26M 728.87M
Change to operating activities 9699.09M -9613.85700M -2506.61400M -2975.43800M -671.73000M
Net income 931.86M 931.86M 1568.40M 3382.51M 91.32M
Change in cash -26.19000M -26.19000M -492.74900M 1090.55M -26.56700M
Begin period cash flow 731.09M 731.09M 1223.84M 133.28M -
End period cash flow 704.90M 704.90M 731.09M 1223.84M 42.11M
Total cash from operating activities 8268.18M 8268.18M -9956.96300M 56.41M -926.17300M
Issuance of capital stock - - - - -
Depreciation 49.40M 49.40M 35.08M 570.35M 50.69M
Other cashflows from investing activities 1305.97M 264.03M -425.33131M -5.30800M -
Dividends paid -787.97100M -787.97100M -1499.46600M -1969.55400M 5.37M
Change to inventory - - - - -
Change to account receivables - - -138.05900M -4.90700M -35.30000M
Sale purchase of stock 0.00000M -81.62700M -81.62700M 0.00000M -
Other cashflows from financing activities 1351.35M 1351.35M 871.72M 3250.49M -15.77500M
Change to netincome 9772.30M -9622.22700M -1778.25900M -1027.83600M -418.04100M
Capital expenditures 26.61M 26.61M 65.38M 57.29M 53.27M
Change receivables - - - - -
Cash flows other operating -2355.40800M -2049.27500M 0.01M - -
Exchange rate changes - - - - -
Cash and cash equivalents changes -26.19000M -492.74900M 0.05M - -
Change in working capital 9699.09M 9699.09M -9613.85700M -2118.54500M -
Stock based compensation 7.54M 7.54M 6.47M 14875.00M -
Other non cash items -2440.26100M -2419.71700M -1761.42100M -1777.90600M -
Free cash flow 8241.57M 8241.57M -10022.34700M -0.87600M -

Peer Comparison

Sector: Financial Services Industry: Mortgage Finance

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x) Enterprise Value to EBITDA (x)
UWMC
UWM Holdings Corp		 0.35 6.54% 5.70 47.99 30.21 10.56 5.04 25.69 22.05
RKT
Rocket Companies Inc		 1.56 12.37% 14.16 8.17 62.50 7.58 3.14
FMCCT
Federal Home Loan Mortgage Corp Pref Perpetual		 - -% 18.09 51.47 - 0.55 -
COOP
Mr. Cooper Group Inc		 10.82 8.65% 135.90 8.68 9.03 2.76 1.16 5.10 18.18
PFSI
PennyMac Finl Svcs Inc		 4.23 4.23% 104.24 20.77 11.45 2.86 1.24 8.73 47.02

Reports Covered

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Profile

UWM Holdings Corporation engages in the residential mortgage lending business in the United States. The company originates mortgage loans through wholesale channel. It originates primarily conforming and government loans. UWM Holdings Corporation was founded in 1986 and is headquartered in Pontiac, Michigan.

UWM Holdings Corp

585 South Boulevard East, Pontiac, MI, United States, 48341

Key Executives

Name Title Year Born
Mr. Mathew R. Ishbia Chairman, Pres & CEO 1980
Ms. Melinda Wilner Exec. VP, COO & Director 1976
Ms. Laura Lawson Exec. VP, Chief People Officer & Director 1977
Mr. Timothy Forrester Exec. VP & CFO (Leave of Absence) 1968
Mr. Alex Elezaj Exec. VP, Chief Strategy Officer & Director 1977
Mr. Andrew Hubacker Sr. VP, Chief Accounting Officer & Interim Principal Financial Officer 1972
Mr. Jason Bressler Chief Technology Officer 1975
Mr. Blake Kolo CFE, CFF, CPA, CVA Head of Investor Relations & Chief Bus. Officer NA
Mr. Adam Wolfe Sr. VP & Chief Legal Officer NA
Mr. Jeff Midbo Sr. VP & Chief Compliance Officer NA

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