CoverageForm 410-K10-Q8-K13D13G13F

UWMC · Uwm Holdings Corp - Financials

Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.

Price · UWMC

Income Statement

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Revenue$3.16B$2.16B$1.31B$2.37B$2.97B$4.94B
Cost of Revenue------
Gross Profit------
R&D------
SG&A------
Total Operating Expenses$2.15B$1.83B$1.39B$1.44B$1.39B$1.55B
D&A$55.51M$48.78M$50.06M$49.40M$35.10M$16.82M
Operating Income$250.90M$335.96M($76.29M)$934.67M$1.58B($6.83M)
Interest Expense--$320.26M$305.99M$304.66M$167.04M
Income Tax$6.87M$6.58M($6.51M)$2.81M$0$2.45M
Net Income$27.38M$14.40M($13.23M)$41.72M$98.44M$3.38B
EPS - Basic$0.13$0.13($0.14)$0.45$0.98-
EPS - Diluted$0.12$0.13($0.14)$0.45$0.66-

Balance Sheet

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Cash & Equivalents$503.36M$507.34M$497.47M$704.90M$731.09M$1.22B
Accounts Receivable------
Inventory------
Accounts Payable------
Current Assets-----$234.5K
Total Assets$16.93B$15.67B$11.87B$13.60B$22.53B$11.49B
Current Liabilities-----$5.20M
Long-term Debt$2.98B$2.79B$2.00B$2.00B$2.00B$26.53M
Total Liabilities$15.34B$13.62B$9.40B$10.43B$19.36B$9.12B
Stockholders' Equity$1.59B$2.05B$2.47B$661.32M$3.17B$5.00M
Retained Earnings$189.45M$157.84M$110.69M$142.50M$141.81M$2.35B

Cash Flow

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Operating Cash Flow($2.65B)($6.24B)$165.24M$8.27B($9.96B)$56.41M
Investing Cash Flow$2.26B$2.68B$1.83B$1.29B$199.75M$231.88M
Financing Cash Flow$384.02M$3.58B($2.20B)($9.58B)$9.26B$802.26M
CapEx$74.05M$39.45M$26.43M$26.61M$65.38M$57.29M
Free Cash Flow($2.72B)($6.28B)$138.81M$8.24B($10.02B)($876.0K)

Ratios

MetricFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Profitability
Gross margin------
Operating margin7.9%15.5%-5.8%39.4%53.1%-0.1%
EBITDA margin9.7%17.8%-2.0%41.5%54.3%0.2%
Net margin0.9%0.7%-1.0%1.8%3.3%68.5%
Free cash flow margin-86.1%-290.3%10.6%347.4%-337.4%-0.0%
FCF / Net income-99.40-436.06-10.49197.57-101.81-0.00
R&D / Revenue------
SG&A / Revenue------
Effective tax rate20.1%31.4%-6.3%0.0%0.1%
Return on assets0.2%0.1%-0.1%0.3%0.4%29.4%
Return on equity1.7%0.7%-0.5%6.3%3.1%67650.1%
Return on invested capital4.4%4.8%-1.3%32.9%30.5%-21.6%
Liquidity
Current ratio-----0.05
Quick ratio-----0.05
Cash ratio-----235.45
Leverage
Debt / Equity1.871.360.813.020.635.31
Debt / Assets0.180.180.170.150.090.00
Debt / EBITDA9.737.24-2.031.242.65
Interest coverage---0.2x3.1x5.2x-0.0x
Equity multiplier10.627.634.8020.577.102298.69
Liabilities / Assets0.910.870.790.770.860.79
Efficiency
Asset turnover0.190.140.110.170.130.43
Inventory turnover------
Days sales outstanding------
Days inventory outstanding------
Days payable outstanding------
Cash conversion cycle------
Valuation
P / E36.5x45.2x-7.4x9.0x-
P / B4.4x0.3x0.3x0.5x3.0x-
P / S2.2x0.3x0.5x0.1x3.2x-
EV / EBITDA30.9x7.6x-1.6x6.7x-
Growth
Revenue growth (YoY)46.1%65.0%-44.7%-20.1%-39.9%286.3%
Revenue CAGR (3y)10.0%-10.0%-35.7%22.9%--
Revenue CAGR (5y)-8.5%11.1%----
Gross profit growth (YoY)------
Operating income growth (YoY)-25.3%---40.8%--
Net income growth (YoY)90.1%---57.6%-97.1%715.0%
EPS growth (YoY)-7.7%---31.8%--
EPS CAGR (3y)-35.6%-41.8%----
EPS CAGR (5y)------
FCF growth (YoY)56.7%--98.3%--1144003.5%100.0%
FCF CAGR (5y)------
Book value growth (YoY)-22.4%-17.0%274.2%-79.1%63319.9%-

Stability scores

Piotroski F-score

FY 2025 · 9-point quality

3/9
Weak
  • Net income positive
  • Operating cash flow positive
  • ROA improved YoY
  • Cash flow > net income
  • Long-term debt decreased
  • -Current ratio improved
  • No share dilution
  • -Gross margin improved
  • Asset turnover improved

Peer comparison

Same SIC group: Mortgage Bankers & Loan Correspondents

CompanyRevenue (last FY)Net marginROE
PFSI$2.05B24.5%11.6%
OCN$1.07B17.8%30.2%
RKT$6.70B-1.0%-0.3%
FOA$497.43M9.1%11.4%
GHLD---

Comparing UWM Holdings Corp against the 5 most active filers in the same SIC group.

Dividends

$0.40/share trailing 12 months · 0.0% YoY

Ex-datePer share
Mar 19, 2026$0.1000
Dec 18, 2025$0.1000
Sep 18, 2025$0.1000
Jun 18, 2025$0.1000
Mar 20, 2025$0.1000
Dec 19, 2024$0.1000
Sep 19, 2024$0.1000
Jun 20, 2024$0.1000
Mar 19, 2024$0.1000
Dec 19, 2023$0.1000
Sep 19, 2023$0.1000
Jun 20, 2023$0.1000
Mar 9, 2023$0.1000
Dec 8, 2022$0.1000
Sep 19, 2022$0.1000
Jun 17, 2022$0.1000
Mar 11, 2022$0.1000
Dec 9, 2021$0.1000
Sep 9, 2021$0.1000
Jun 9, 2021$0.1000
Mar 9, 2021$0.1000