Is UWMC a good stock to buy right now?

Based on our 6-factor quantitative model, UWM Holdings Corp (UWMC) receives a "Reduce" rating with a composite score of 33.9/100. It is ranked #3,834 out of 4,446 stocks. Key factor scores: Quality 10/100, Value 80/100, Momentum 22/100. The timing signal is "Bearish". This is quantitative analysis only — not investment advice.

What is the stock rating for UWMC?

UWM Holdings Corp (UWMC) has a "Reduce" rating and 2-star score. The composite score of 33.9 ranks it #3,834 among 4,446 U.S. stocks. Ratings are updated weekly using academically-proven factor models.

What sector is UWMC in?

UWM Holdings Corp operates in the Financials sector (Banking industry) with a market cap of $1.08 billion. It is classified as a small-cap stock.

Does UWMC pay a dividend?

Yes, UWMC pays a dividend with a current yield of 6.57%. The Financials sector average yield is 2.48%. For every $1,000 invested, you would receive approximately $65.70 in annual dividend income.

What is UWMC's P/E ratio?

UWMC has a trailing P/E ratio of 9.66x. The Financials sector average is 14.9x. This below-average P/E may indicate the stock is undervalued.

How profitable is UWMC?

UWMC's quality factor score is 10/100. Gross margin: 0.0%. ROE: 7.0% vs sector average 8.5%. Margins are moderate to low, reflecting competitive market dynamics.

How is UWMC valued compared to peers?

UWMC's value factor score is 80/100 (higher = cheaper). Key multiples: P/E 9.7x, EV/EBITDA 5.5x. The stock appears attractively valued versus peers.

What is UWMC's debt level?

UWMC's debt-to-equity ratio is 187%. Sector average: 121%. Elevated leverage increases credit risk.

UWMC has a beta of 0.84, meaning it tracks the market. Stability score: 50/100.

Does UWMC have high short interest?

UWMC's short interest factor score is 63/100 (higher = less short selling). Moderate short interest.

UWMC Stock Analysis: Top Small-Cap Reduce (Score 33.9/100) | Blank Capital Research

Data Series	1D	5D	1M	YTD	1Y	3Y	5Y	10Y
UWMC	-5.87%	-0.81%	-8.66%	-15.75%	-15.75%	-	-	-
Industry Proxy XLF	-1.09%	+2.50%	+1.42%	-7.30%	+10.59%	-	-	-
U.S. Market SPY	-0.07%	+3.60%	+0.34%	-0.36%	+29.52%	-	-	-
Alpha vs Market	-5.80%	-4.41%	-9.00%	-15.39%	-45.28%	-	-	-
Alpha vs Sector	-4.78%	-3.31%	-10.08%	-8.45%	-26.34%	-	-	-

Metric	UWMC	Benchmark
P/E Ratio	9.7x	-35%
EV/EBITDA	5.5x	+70%
Price / Book	0.7x

Stock Entity	Score▼	Quality	Value	Momentum	P/E Ratio	ROE	Gross Margin	Net Margin	Rev Growth	D/E Ratio	Market Cap	Compare
WTM WHITE MOUNTAINS INSURANCE GROUP LTD	63	80	79	54	8.9x	10.1%	96.3%	20.1%	1.6%	14.0x	$5.4B	VS
OPY OPPENHEIMER HOLDINGS INC	63	68	79	63	10.4x	9.9%	0.0%	6.5%	37.5%	273.0x	$959M	VS
ACT Enact Holdings, Inc.	62	81	76	52	8.7x	12.7%	88.5%	55.0%	4.2%	14.0x	$5.7B	VS
IGIC International General Insurance Holdings Ltd.	61	74	93	50	8.6x	82.6%	59.9%	25.1%	-	0.0x	$1.1B	VS
PKBK PARKE BANCORP, INC.	60	60	77	65	9.8x	10.5%	-	24.8%	20.9%	593.0x	$335M	VS
SSSS SURO CAPITAL CORP.	60	89	33	65	4.7x	30.9%	0.0%	-752.0%	-48.3%	34.0x	$290M	VS
CB Chubb Ltd	59	67	71	52	12.8x	12.5%	0.0%	16.6%	15.6%	20.0x	$128.0B	VS
RRBI RED RIVER BANCSHARES INC	59	59	69	68	15.0x	11.0%	0.0%	27.5%	13.3%	818.0x	$607M	VS
UFCS UNITED FIRE GROUP INC	59	64	78	58	9.8x	10.6%	100.0%	7.3%	17.5%	308.0x	$936M	VS
SPFI SOUTH PLAINS FINANCIAL, INC.	58	59	73	55	12.8x	11.0%	0.0%	21.7%	9.0%	807.0x	$690M	VS
UWMC UWM Holdings Corp	34	10	80	22	9.7x	7.0%	0.0%	2.2%	66.3%	187.0x	$1.1B

Key Ratio	TTM	2025	2024	2023	2022	2021	2020	2019
Gross Margin %	0.0%	-	-	-	-	-	0.0%	0.0%
Operating Margin %	0.2%	0.3%	0.2%	-0.1%	0.4%	0.5%	1.0%	1.0%
EBITDA Margin %	0.3%	0.3%	0.2%	-0.0%	0.4%	0.5%	0.8%	0.4%
Net Margin %	0.0%	0.1%	0.2%	-0.1%	0.4%	0.5%	0.7%	0.3%
FCF Margin %	-66.0%	-	-	-	-	-	-143.1%	-274.8%
ROE %	0.1%	0.2%	0.2%	-0.0%	0.3%	0.5%	1.4%	-2,964,269.4%
ROA %	0.0%	0.0%	0.0%	-0.0%	0.1%	0.1%	0.3%	1,006.2%
ROIC %	0.1%	17.4%	5.5%	-1.3%	14.3%	24.1%	42.3%	748,789.1%

Key Ratio

TTM

2025

2024

2023

2022

2021

2020

2019

Gross Margin %

0.0%

Operating Margin %

0.2%

0.3%

0.2%

-0.1%

0.4%

0.5%

1.0%

EBITDA Margin %

0.3%

0.2%

-0.0%

0.4%

0.5%

0.8%

0.4%

Net Margin %

0.0%

0.1%

0.2%

-0.1%

0.4%

0.5%

0.7%

0.3%

FCF Margin %

-66.0%

-143.1%

-274.8%

ROE %

0.1%

0.2%

-0.0%

0.3%

0.5%

1.4%

-2,964,269.4%

ROA %

0.0%

-0.0%

0.1%

0.3%

1,006.2%

ROIC %

0.1%

17.4%

5.5%

-1.3%

14.3%

24.1%

42.3%

748,789.1%

Line Item	TTM	2025	2024	2023	2022	2021	2020	2019
	$2.7B	$3.2B	$2.2B	$1.3B	$2.4B	$3.0B	$4.9B	$1.3B
	—	—	—	—	—	—	$0	$0
Gross Margin	0.0%	---	---	---	---	---	0.0%	0.0%
	—	$50M	$45M	$46M	$45M	$35M	$0	$129M
Total Operating Expenses	—	$2.2B	$1.8B	$1.4B	$1.4B	$1.4B	—	—
	$685M	$1.0B	$336M	-$76M	$935M	$1.6B	$4.9B	$1.3B
EBIT	$685M	$1.0B	$336M	-$76M	$935M	$1.6B	$4.9B	$1.3B
EBITDA	$733M	$1.1B	$381M	-$30M	$980M	$1.6B	$4.0B	$544M
Operating Margin	23.1%	31.9%	15.5%	-5.8%	39.4%	53.1%	100.0%	100.0%
EBITDA Margin	26.7%	33.5%	17.6%	-2.3%	41.3%	54.3%	80.1%	42.6%
	—	—	—	$320M	$306M	$305M	$0	$0
	—	$251M	$336M	-$76M	$935M	$1.6B	—	—
Income Tax Expense	—	$7M	$7M	-$7M	$3M	$10M	$2M	$0
	$111M	$244M	$329M	-$70M	$932M	$1.6B	$3.4B	$415M
Net Margin	2.2%	7.7%	15.2%	-5.3%	39.3%	52.8%	70.9%	32.5%
	$0.13	$0.13	$0.13	$-0.14	$0.45	$0.98	$0.00	$0.00
Diluted EPS	$0.13	$0.12	$0.13	$-0.14	$0.45	$0.66	$0.00	$0.00
Weighted Avg Basic	—	211M	111M	93M	92M	101M	—	—
Weighted Avg Diluted	—	1.6B	111M	93M	92M	1.6B	—	—

Line Item

TTM

2025

2024

2023

2022

2021

2020

2019

$2.7B

$3.2B

$2.2B

$1.3B

$2.4B

$3.0B

$4.9B

$1.3B

—

Gross Margin

0.0%

---

0.0%

—

$50M

$45M

$46M

$45M

$35M

$129M

Total Operating Expenses

—

$2.2B

$1.8B

$1.4B

—

$685M

$1.0B

$336M

-$76M

$935M

$1.6B

$4.9B

$1.3B

EBIT

$685M

$1.0B

$336M

-$76M

$935M

$1.6B

$4.9B

$1.3B

EBITDA

$733M

$1.1B

$381M

-$30M

$980M

$1.6B

$4.0B

$544M

Operating Margin

23.1%

31.9%

15.5%

-5.8%

39.4%

53.1%

100.0%

EBITDA Margin

26.7%

33.5%

17.6%

-2.3%

41.3%

54.3%

80.1%

42.6%

—

$320M

$306M

$305M

—

$251M

$336M

-$76M

$935M

$1.6B

—

Income Tax Expense

—

$7M

-$7M

$3M

$10M

$2M

$111M

$244M

$329M

-$70M

$932M

$1.6B

$3.4B

$415M

Net Margin

2.2%

7.7%

15.2%

-5.3%

39.3%

52.8%

70.9%

32.5%

$0.13

$-0.14

$0.45

$0.98

$0.00

Diluted EPS

$0.13

$0.12

$0.13

$-0.14

$0.45

$0.66

$0.00

Weighted Avg Basic

—

211M

111M

93M

92M

101M

—

Weighted Avg Diluted

—

1.6B

111M

93M

92M

1.6B

—

UWM Holdings Corp (UWMC) Stock Analysis — April 2026 Rating, Price, and Forecast

Last updated: April 2026

Company Overview — What Does UWM Holdings Corp Do?

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 (UWMC) is classified as a small-cap stock in the Financials sector, specifically within the Banking industry. The company is led by CEO Matthew Ishbia and employs approximately 8,000 people. With a market capitalization of $1.1B, UWMC is one of the notable companies in the Financials sector.

UWM Holdings Corp (UWMC) Stock Rating — Reduce (April 2026)

As of April 2026, UWM Holdings Corp receives a Reduce rating with a composite score of 33.9/100 and 2 out of 5 stars from the Blank Capital Research quantitative model.UWMC ranks #3,834 out of 4,446 stocks in our coverage universe. Within the Financials sector, UWM Holdings Corp ranks #833 of 891 stocks, placing it in the lower half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

UWMC Stock Price and 52-Week Range

UWM Holdings Corp (UWMC) currently trades at $3.66. The stock lost $0.26 (6.6%) in the most recent trading session. The 52-week high for UWMC is $7.14, which means the stock is currently trading -48.7% from its annual peak. The 52-week low is $3.59, putting the stock 1.9% above its annual trough. Recent trading volume was 5.3M shares, reflecting moderate market activity.

Is UWMC Overvalued or Undervalued? — Valuation Analysis

UWM Holdings Corp (UWMC) carries a value factor score of 80/100 in the Blank Capital model, suggesting the stock trades at a meaningful discount to its fundamental earning power. The trailing price-to-earnings ratio is 9.66x, compared to the Financials sector average of 14.88x — a discount of 35%. The price-to-book ratio stands at 0.68x, versus the sector average of 1.22x. The price-to-sales ratio is 0.39x, compared to 0.90x for the average Financials stock. On an enterprise value basis, UWMC trades at 5.54x EV/EBITDA, versus 3.26x for the sector.

Based on these multiples, UWM Holdings Corp appears attractively valued relative to both its sector peers and the broader market. Value-oriented investors may find the current entry point compelling, particularly if the company's fundamental quality metrics also score well.

UWM Holdings Corp Profitability — ROE, Margins, and Quality Score

UWM Holdings Corp (UWMC) earns a quality factor score of 10/100, signaling below-average profitability metrics relative to the broader market. The return on equity (ROE) is 7.0%, compared to the Financials sector average of 8.5%, which is below typical expectations for high-quality companies. Return on assets (ROA) comes in at 0.7% versus the sector average of 1.2%.

On a margin basis, UWM Holdings Corp reports gross margins of 0.0%. The operating margin is 23.1% (sector: 21.8%). Net profit margin stands at 2.2%, versus 17.7% for the average Financials stock. Revenue growth is running at 66.3% on a trailing basis, compared to 9.4% for the sector. Profitability is below benchmark levels, which may reflect industry headwinds, elevated reinvestment, or structural challenges.

UWMC Debt, Balance Sheet, and Financial Health

UWM Holdings Corp has a debt-to-equity ratio of 187.0%, compared to the Financials sector average of 121.0%. This elevated leverage warrants close monitoring, as it increases the company's sensitivity to rising interest rates and economic downturns. The current ratio is 1.10x, suggesting adequate working capital coverage. Total debt on the balance sheet is $2.98B. Cash and equivalents stand at $871M.

UWMC has a beta of 0.84, meaning it is roughly in line with the broader market in terms of price volatility. The stability factor score for UWM Holdings Corp is 50/100, reflecting average volatility within the normal range for its sector.

UWM Holdings Corp Revenue and Earnings History — Quarterly Trend

In TTM 2026, UWM Holdings Corp reported revenue of $2.74B and earnings per share (EPS) of $0.13. Net income for the quarter was $111M. Gross margin was 0.0%. Operating income came in at $685M.

In FY 2025, UWM Holdings Corp reported revenue of $3.16B and earnings per share (EPS) of $0.13. Net income for the quarter was $244M. Revenue grew 46.1% year-over-year compared to FY 2024. Operating income came in at $1.01B.

In Q3 2025, UWM Holdings Corp reported revenue of $843M and earnings per share (EPS) of $-0.01. Net income for the quarter was $12M. Revenue grew 60.2% year-over-year compared to Q3 2024. Operating income came in at $293M.

In Q2 2025, UWM Holdings Corp reported revenue of $759M and earnings per share (EPS) of $0.11. Net income for the quarter was $314M. Revenue grew 49.6% year-over-year compared to Q2 2024. Operating income came in at $232M.

Over the past 8 quarters, UWM Holdings Corp has demonstrated a growth trajectory, with revenue expanding from $507M to $2.74B. Investors analyzing UWMC stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

UWMC Dividend Yield and Income Analysis

UWM Holdings Corp (UWMC) currently pays a dividend yield of 6.6%. At this yield, a $10,000 investment in UWMC stock would generate approximately $$657.00 in annual dividend income. This compares to the Financials sector average dividend yield of 2.5%, meaning UWMC offers above-average income for its sector.

UWMC Momentum and Technical Analysis Profile

UWM Holdings Corp (UWMC) has a momentum factor score of 22/100, signaling weak relative price performance. Stocks with low momentum scores have historically tended to continue underperforming in the near term. The investment factor score is 22/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 63/100 reflects moderate short selling activity.

UWMC vs Competitors — Financials Sector Ranking and Peer Comparison

Within the Financials sector, UWM Holdings Corp (UWMC) ranks #833 out of 891 stocks based on the Blank Capital composite score. This places UWMC in the lower half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.

Comparing UWMC against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full UWMC vs S&P 500 (SPY) comparison to assess how UWM Holdings Corp stacks up against the broader market across all factor dimensions.

UWMC Next Earnings Date

No upcoming earnings date has been announced for UWM Holdings Corp (UWMC) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy UWMC? — Investment Thesis Summary

The quantitative profile for UWM Holdings Corp suggests caution. The quality score of 10/100 flags below-average profitability. The value score of 80/100 suggests attractive pricing relative to fundamentals. Momentum is weak at 22/100, a headwind for near-term performance.

In summary, UWM Holdings Corp (UWMC) earns a Reduce rating with a composite score of 33.9/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on UWMC stock.

Related Resources for UWMC Investors

Explore more research and tools: UWMC vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare UWMC head-to-head with peers: UWMC vs WTM, UWMC vs OPY, UWMC vs ACT.

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UWM Holdings Corp (UWMC) Stock Analysis — April 2026 Rating, Price, and Forecast

Company Overview — What Does UWM Holdings Corp Do?

UWM Holdings Corp (UWMC) Stock Rating — Reduce (April 2026)

UWMC Stock Price and 52-Week Range

Is UWMC Overvalued or Undervalued? — Valuation Analysis

UWM Holdings Corp Profitability — ROE, Margins, and Quality Score

UWMC Debt, Balance Sheet, and Financial Health

UWM Holdings Corp Revenue and Earnings History — Quarterly Trend

UWMC Dividend Yield and Income Analysis

UWMC Momentum and Technical Analysis Profile

UWMC vs Competitors — Financials Sector Ranking and Peer Comparison

UWMC Next Earnings Date

Should You Buy UWMC? — Investment Thesis Summary

Related Resources for UWMC Investors

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