# UWM Holdings Corporation (UWMC) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Financial Services / Thrifts & Mortgage Finance. Price $1.47, market value $4.2 billion.

## Valuation
- **P/E (trailing): n/a** (negative earnings). UWM Holdings Corporation reported negative earnings over the last twelve months, so the P/E is not meaningful; use price-to-sales, EV/EBITDA and free-cash-flow yield instead.
- **Price / sales: 1.2×**. Each dollar of revenue is priced at 1.2×.
- **Price / book: 3.8×**. The shares trade at 3.8× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: -116.8%**. Free cash flow is negative: the business is consuming cash, which is normal for heavy investment phases but a warning otherwise.

## Profitability
- **Net margin: 0.9%**. 0.9% of each dollar of sales reaches the bottom line.
- **Return on equity: 1.7%**. 1.7% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on assets: -0.2%**. Each dollar of assets produces -0.2% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 18.2%** (3-yr 10.0%/yr, 5-yr -8.5%/yr). Revenue grew 18.2% over the last year, against -8.5% a year compounded over five years: growth is accelerating.
- **EPS growth (1 yr): -7.7%** (3-yr -35.6%/yr). Earnings per share fell 7.7%, slower than revenue, so margins compressed.

## Financial health
- **Piotroski F-score: 4/9**. 4 of 9 checks pass: mixed.
- **Cash and short-term investments: $503 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 24.54%** ($0.40 per share, trailing). UWM Holdings Corporation yields 24.54%, high enough to check carefully: yields this high often precede a cut.
- **Payout ratio: 287%**. The dividend exceeds earnings (287% payout), which is rarely sustainable outside REITs and one-off years.
- **Consecutive years of increases: 5**. 5 straight years of increases.

## Price and momentum
- **Total return (1 yr): -72.2%** (YTD -63.9%, 3-mo -40.6%). The shares are down 72.2% over twelve months including dividends.
- **From 52-week high: -79.4%** (58.1% above the low). Trading 79% below its 52-week high, deep in a drawdown.
- **200-day average: below**. The price sits below its 200-day moving average, the usual definition of a downtrend.
- **RSI (14-day): 44**. An RSI of 44 is neutral.
- **Beta (1 yr): 1.48** (volatility 67%). Beta of 1.48 against the S&P 500: the shares move much more than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=UWMC · Page: https://foliofundamentals.com/stocks/uwmc

Not investment advice.