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Unless otherwise indicated or the context otherwise requires, when used in this Annual Report, the term UWMC means UWM Holdings Corporation, UWM means United Wholesale Mortgage, LLC and the Company, we, our and us refer to UWM Holdings Corporation and our subsidiaries. Overview We are the publicly traded indirect parent of United Wholesale Mortgage, LLC ( UWM ).
$2.02
$0.03 (-1.46%)
EOD Jul 17, 2026
Net margin is thin at 0.87%. This may reflect rising credit costs, rate compression, or operational inefficiency.
Revenue grew 18.2% YoY.
Financial stocks carry unique risks (credit cycles, regulatory changes, interest rate sensitivity) that aren't captured by standard quality metrics.
8.5x earnings. Below the sector average, the market may be pricing in credit losses or regulatory headwinds, or there's genuine value here.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
$3.45B
▲ +18.2% YoY
Net Income (TTM)
$300M
▲ +90.1% YoY
Net Margin
8.69%
P/E
8.5x
Balance Sheet
Total Assets
$19.27B
Equity
$1.60B
Total Debt
$3.10B
Cash & Equiv.
$424M
5Y CAGR: -8.5%
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At a P/E of 8.5, UWM Holdings (UWMC)'s valuation is best read against its own history, its peers, and the growth its price implies. A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in .
On quality, UWM Holdings scores 66/100 on Intrinsiqq's quality scorecard (a solid business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. It currently yields about 2.8%; see dividend safety for coverage and history. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
UWM Holdings scores 66 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a solid business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
Yes, UWM Holdings pays a regular dividend of about $0.06 per share per year (typically in quarterly installments), a yield of roughly 2.8% at the current price. That is a payout ratio of about 29.9% of earnings, so the dividend is amply covered by earnings. UWM Holdings has grown the dividend at roughly 26.6% a year over the past few years. A low headline yield is not the same as a weak dividend: what matters is how well earnings and free cash flow cover the payout and whether it is growing, not the percentage alone. For UWMC's full payout history, growth streak and dividend-safety score, see the dividends tab.
That depends on valuation and quality together, not either alone. you should weigh UWMC's valuation and scores 66/100 on quality (solid). It also yields about 2.8%. A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.