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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. The company was founded in 1986 and is headquartered in Pontiac, Michigan.
Source: TradingView
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
UWM Holdings Corp is a non-bank mortgage originator that delivers residential loans mainly through the wholesale broker channel while offering servicing and secondary-market execution. Long-term growth may be supported by broker market-share gains, technology-driven scale, and recurring servicing and capital-markets income, which may appeal to investors seeking exposure to mortgage origination.
Key risks include sensitivity to interest-rate and mortgage-volume cycles, intense competition and pricing pressure in the broker channel, and exposure to capital-markets funding, liquidity strains, and regulatory changes that could reduce margins or constrain growth.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 250.90M | 335.96M | -76.29M | 934.67M | 934.67M |
| Minority interest | -216.64M | -314.97M | -315.12M | -890.14M | -1469.95M |
| Net income | 27.38M | 14.40M | -13.23M | 41.72M | 931.86M |
| Selling general administrative | 264.06M | 899.00M | 700.65M | 732.43M | 732.43M |
| Selling and marketing expenses | 106.19M | 96.78M | 84.52M | 74.17M | 74.17M |
| Gross profit | 2706.04M | 1371.66M | 755.02M | 1810.25M | 1719.88M |
| Reconciled depreciation | 55.51M | 48.78M | 50.57M | 49.40M | 35.08M |
| Ebit | 781.69M | 335.96M | -76.29M | 1240.66M | 354.68M |
| Ebitda | 831.73M | 384.73M | -26.23M | 1285.89M | 399.92M |
| Depreciation and amortization | 50.04M | 48.78M | 50.06M | 45.23M | 45.23M |
| Operating income | 1832.75M | 335.96M | -76.29M | 1240.66M | 354.68M |
| Other operating expenses | 1327.82M | 1569.91M | 1190.24M | 253.72M | 1437.96M |
| Interest expense | 530.79M | 490.76M | 320.26M | 305.99M | 305.99M |
| Tax provision | 6.87M | 6.58M | -5.83M | 2.81M | 9.84M |
| Interest income | 537.69M | 508.62M | 365.16M | 314.46M | 331.77M |
| Net interest income | 6.89M | 17.86M | 10.80M | 8.47M | 27.11M |
| Non recurring | - | - | - | 305.99M | - |
| Income tax expense | 6.87M | 6.58M | -6.51M | 2.81M | 2.81M |
| Total revenue | 3160.57M | 1905.87M | 1113.95M | 1810.25M | 1810.25M |
| Total operating expenses | 873.29M | 1035.71M | 831.31M | 253.72M | 1347.59M |
| Cost of revenue | 454.53M | 534.20M | 358.93M | 90.37M | 90.37M |
| Total other income expense net | -1581.85M | -1521.11M | -1168.34M | -305.99M | 579.99M |
| Net income from continuing ops | 244.02M | 329.38M | 328.69M | 931.86M | 1568.40M |
| Net income applicable to common shares | - | - | - | 41.72M | 98.44M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 16928.68M | 15671.12M | 11871.85M | 13600.62M | 13600.62M |
| Intangible assets | 4073.78M | 3969.88M | 4026.14M | 4453.26M | 4453.26M |
| Other current assets | - | - | 177.02M | 246.10M | 67.36M |
| Total liab | 15335.05M | 13617.27M | 9397.18M | 10428.93M | 10428.93M |
| Total stockholder equity | 199.52M | 161.52M | 112.55M | 143.56M | 143.56M |
| Other current liab | - | 127.74M | 94.94M | -7633.71M | -7193.99M |
| Common stock | 0.16M | 0.16M | 0.16M | 0.16M | 0.16M |
| Capital stock | 0.16M | 0.16M | 0.16M | 0.16M | 0.16M |
| Retained earnings | 189.45M | 157.84M | 110.69M | 142.50M | 142.50M |
| Other liab | - | - | - | 71.69M | 32.38M |
| Other assets | 15502.35M | 14379.69M | 5482.90M | 12100.41M | 12100.41M |
| Cash | 503.36M | 507.34M | 497.47M | 704.90M | 704.90M |
| Total current liabilities | 3210.57M | 10141.86M | 6771.48M | 7633.71M | 439.72M |
| Current deferred revenue | - | - | 2068.97M | - | - |
| Net debt | 13936.03M | 12333.40M | 8230.26M | 8729.61M | 8729.61M |
| Short term debt | 3210.57M | 9839.30M | 6508.95M | 7193.99M | 7193.99M |
| Short long term debt | 1200.00M | 500.00M | 750.00M | 750.00M | 15954.94M |
| Short long term debt total | 14439.39M | 12840.74M | 8727.73M | 9434.51M | 9434.51M |
| Other stockholder equity | 9.91M | 3.52M | 1.70M | 0.90M | 0.90M |
| Property plant equipment | - | - | - | 152.48M | 313.54M |
| Total current assets | 2163.42M | 925.29M | 1186.56M | 1201.34M | 1201.34M |
| Long term investments | 100.51M | 103.01M | 110.35M | 7563.32M | 17540.68M |
| Net tangible assets | - | - | - | 143.56M | -3172.55M |
| Short term investments | 100.51M | 103.01M | 110.35M | 113.29M | 113.29M |
| Net receivables | 1660.05M | 417.95M | 512.07M | 425.37M | 425.37M |
| Long term debt | 3069.47M | 2875.97M | 2082.08M | 2135.43M | 2135.64M |
| Inventory | - | - | -29.62M | - | - |
| Accounts payable | 236.92M | 174.82M | 167.59M | 439.72M | 439.72M |
| Noncontrolling interest in consolidated entity | - | - | - | 3028.13M | 3028.60M |
| Accumulated other comprehensive income | - | - | 0.00M | - | - |
| Common stock total equity | - | - | - | 0.16M | 0.16M |
| Retained earnings total equity | - | - | - | 142.50M | 141.81M |
| Non currrent assets other | 324.91M | 793.30M | 791.25M | -4524.33M | -4524.33M |
| Non current assets total | 14765.26M | 14745.82M | 10685.30M | 298.88M | 298.88M |
| Capital lease obligations | 124.06M | 125.47M | 136.70M | 154.84M | 170.20M |
| Long term debt total | - | - | - | 2135.43M | 2135.64M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | 9.89M | 2676.09M | 1798.10M | 10.99M | 1.11M |
| Change to liabilities | - | - | - | -129.97M | 143.19M |
| Total cashflows from investing activities | 2259.56M | 2676.09M | 1829.96M | 1290.35M | 199.75M |
| Net borrowings | 1109.38M | 4336.90M | -1563.25M | 731.52M | 961.85M |
| Total cash from financing activities | 384.02M | 3575.27M | -2202.64M | -9584.72M | -9584.72M |
| Change to operating activities | - | - | - | 9699.09M | -9613.86M |
| Net income | 27.38M | 329.38M | -13.23M | 931.86M | 931.86M |
| Change in cash | -3.98M | 9.87M | -207.43M | -26.19M | -26.19M |
| Begin period cash flow | 507.34M | 497.47M | 704.90M | 731.09M | 731.09M |
| End period cash flow | 503.36M | 507.34M | 497.47M | 704.90M | 704.90M |
| Total cash from operating activities | -2647.56M | -6241.49M | 165.24M | 8268.18M | 8268.18M |
| Depreciation | 55.51M | 48.78M | 50.06M | 49.40M | 49.40M |
| Other cashflows from investing activities | 2426.31M | 2711.95M | 1848.96M | 1305.97M | 264.03M |
| Dividends paid | 716.60M | 39.73M | 37.24M | -787.97M | -787.97M |
| Sale purchase of stock | - | - | 0.00M | 0.00M | -81.63M |
| Other cashflows from financing activities | -0.36M | -721.89M | -602.14M | 1351.35M | 1351.35M |
| Change to netincome | - | - | - | 9772.30M | -9622.23M |
| Capital expenditures | 74.05M | 39.45M | 26.43M | 26.61M | 26.61M |
| Cash flows other operating | - | - | - | -2355.41M | -2049.28M |
| Cash and cash equivalents changes | - | - | - | -26.19M | -492.75M |
| Change in working capital | -433.20M | -4045.48M | 1535.13M | 9699.09M | 9699.09M |
| Stock based compensation | 50.36M | 24.58M | 13.83M | 7.54M | 7.54M |
| Other non cash items | -2347.61M | -2598.75M | -1420.55M | -2440.26M | -2419.72M |
| Free cash flow | -2721.61M | -6280.95M | 138.81M | 8241.57M | 8241.57M |
Sector: Financial Services Industry: Mortgage Finance
|
Stock Name
|
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 |
0.08 5.37% |
1.57 | - | 3.41 | 0.70 | 3.40 | 4.29 | 22.05 |
| FMCCT Federal Home Loan Mortgage Corp Pref Perpetual |
0.19 1.64% |
11.79 | 197.79 | - | 2.68 | - | - | - |
| RKT Rocket Companies Inc |
0.88 7.38% |
12.80 | 8.17 | 62.50 | 7.58 | 3.14 | - | - |
| FNMFO Federal National Mortgage Association |
- -% |
25000.00 | 1000000.00 | - | 0.55 | - | - | - |
| FNMAS Federal National Mortgage Association Pref S |
0.18 2.30% |
7.99 | 1701.43 | - | 0.55 | - | - | - |
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. The company was founded in 1986 and is headquartered in Pontiac, Michigan.
| 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 |
Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.
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