UWMC - NYSE

UWM Holdings Corporation

UWMC·NYSE

$2.73

-2.7%

Financial ServicesFinancial - Mortgages

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.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$4.14B

EPS0.1300

P/E Ratio21.00

Earnings Date08/06/2026

16.93B

Assets

3Y+24.0%

5Y+47.0%

10Y+679.0%

15.34B

Total Liabilities

13%

3Y+47.0%

5Y+68.0%

10Y+691.0%

1.59B

Total Equity

-22%

3Y-50.0%

5Y-33.0%

10Y+584.0%

UWM Holdings Corporation Funding & Solvency Profile

UWMC · NYSE

Current Assets

Cash & Cash Equivalents503.36M

Net Receivables1.66B

Inventory0.00

Other Current Assets0.00

Total Current Assets2 B

Non-Current Assets

Property, Plant & Equipment295.76M

Goodwill & Intangible Assets4.07B

Long-Term Investments10.07B

Other Non-Current Assets324.91M

Total Non-Current Assets11 B

Total Assets

16.93B

Financial Health Analysis

Current Ratio

0.67x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

9.62x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-1047151000

Negative working capital indicates short-term liabilities exceed short-term assets—potential liquidity stress.

Asset Composition

13% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

UWM Holdings Corporation Balance Sheet

UWMC • NYSE

UWM Holdings Corporation Balance Sheet	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	503.4M	507.3M	497.5M	704.9M	731.1M	1.2B	133.3M	42.1M	68.7M
Cash & Short-Term Investments	503.4M	507.3M	497.5M	704.9M	731.1M	1.2B	133.3M	42.1M	68.7M
Net Receivables	1.7B	418M	512.1M	383.1M	415.7M	253.6M	22.9M	0.0	0.0
Accounts Receivables	1.7B	418M	512.1M	383.1M	415.7M	253.6M	22.9M	0.0	0.0
Prepaids	0.0	0.0	177M	162.9M	54.5M	55.1M	0.0	0.0	0.0
Other Current Assets	0.0	0.0	0.0	0.0	0.0	0.0	5.7B	2.6B	1.9B
Total Current Assets	2.2B	925.3M	1.2B	1.3B	1.2B	1.5B	5.8B	2.7B	2B
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	295.8M	263.1M	274.7M	298.9M	313.5M	223.6M	140.9M	48.6M	763K
Intangible Assets	4.1B	4B	4B	4.5B	3.3B	1.8B	731.4M	368.1M	207.5M
Goodwill & Intangible Assets	4.1B	4B	4B	4.5B	3.3B	1.8B	731.4M	368.1M	207.5M
Long-Term Investments	10.1B	9.7B	5.6B	7.3B	17.1B	8B	-412.5K	0.0	0.0
Tax Assets	0.0	0.0	0.0	0.0	0.0	0.0	412.5K	0.0	0.0
Other Non-Current Assets	324.9M	793.3M	791.3M	266.4M	569.1M	2.9M	14.1M	10.5M	7.1M
Total Non-Current Assets	14.8B	14.7B	10.7B	12.3B	21.3B	10B	886.3M	427.2M	215.4M
Other Assets	0.0	0.0	0.0	0.0	0.0	0.0	-6.7B	0.0	0.0
Total Assets	16.9B	15.7B	11.9B	13.6B	22.5B	11.5B	412.5K	3.1B	2.2B
LIABILITIES
CURRENT LIABILITIES
Total Payables	0.0	174.8M	167.6M	138.7M	524M	847.7M	250M	186.1M	118.6M
Accounts Payable	0.0	174.8M	167.6M	138.7M	524M	847.7M	250M	186.1M	118.6M
Accrued Expenses	0.0	127.7M	94.9M	79.7M	0.0	0.0	0.0	0.0	0.0
Short Term Debt	3.2B	9.8B	6.5B	7.5B	16.5B	7.3B	131M	2.1B	0.0
Capital Lease Obligations (Current)	0.0	0.0	0.0	0.0	0.0	0.0	11.5M	0.0	0.0
Other Current Liabilities	0.0	0.0	0.0	0.0	0.0	0.0	55.4M	62M	41.6M
Total Current Liabilities	3.2B	10.1B	6.8B	7.8B	17B	8.1B	447.9M	2.4B	160.2M
NON-CURRENT LIABILITIES
Long Term Debt	11.1B	2.9B	2.1B	2.1B	2.1B	815.9M	5.5B	399.9M	1.8B
Deferred Tax Liabilities (Non-Current)	0.0	82.7M	45.8M	53.4M	0.0	0.0	0.0	0.0	0.0
Other Non-Current Liabilities	895.7M	391.2M	361.1M	377.1M	45.9M	66.2M	0.0	0.0	0.0
Total Non-Current Liabilities	12.1B	3.5B	2.6B	2.7B	2.3B	1B	5.5B	399.9M	1.8B
Capital Lease Obligations	107.2M	125.5M	136.7M	154.8M	170.2M	127.7M	91.8M	0.0	0.0
Total Liabilities	15.3B	13.6B	9.4B	10.4B	19.4B	9.1B	6B	2.8B	1.9B
SHAREHOLDERS' EQUITY
Common Stock	160K	160K	160K	159K	159K	0.0	1.2K	0.0	0.0
Additional Paid-In Capital	9.9M	3.5M	1.7M	903K	437K	24.8M	24.8M	24.8M	24.8M
Retained Earnings	189.4M	157.8M	110.7M	142.5M	141.8M	2.3B	-39K	294.2M	208.3M
Total Stockholders' Equity	199.5M	161.5M	112.6M	143.6M	142.4M	2.4B	-14K	319.1M	233.1M
Total Equity	1.6B	2.1B	2.5B	3.2B	3.2B	2.4B	134.9K	319.1M	233.1M
Minority Interest	1.4B	1.9B	2.4B	3B	3B	0.0	148.9K	0.0	0.0
SUMMARY
Total Liabilities & Equity	16.9B	15.7B	11.9B	13.6B	22.5B	11.5B	6.7B	3.1B	2.2B
Total Investments	10.1B	9.7B	5.6B	7.3B	17.1B	8B	-412.5K	0.0	0.0
Total Debt	14.4B	12.8B	8.7B	9.8B	18.8B	8.2B	5.7B	2.5B	1.8B
Net Debt	13.9B	12.3B	8.2B	9.1B	18.1B	7B	148.9K	2.5B	1.7B
Shares Outstanding	155,546,674	155,546,674	155,546,674	155,546,674	155,546,674	155,546,674	155,546,674	155,546,674	155,546,674

SEC Filings

UWMC - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
8-K 8-K 2026 N/A	June 03, 2026	June 03, 2026	2026	View Filing
8-K 8-K 2026 N/A	May 13, 2026	May 13, 2026	2026	View Filing
8-K 8-K 2026 N/A	May 12, 2026	May 12, 2026	2026	View Filing
8-K 8-K 2026 N/A	May 11, 2026	May 11, 2026	2026	View Filing
10-Q 10-Q 2026 Q1 Q1	May 11, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	May 06, 2026	May 06, 2026	2026	View Filing
8-K 8-K 2026 N/A	May 04, 2026	May 04, 2026	2026	View Filing
8-K 8-K 2026 N/A	May 01, 2026	April 30, 2026	2026	View Filing
DEF 14A DEF 14A 2026 N/A	April 24, 2026	June 03, 2026	2026	View Filing
8-K 8-K 2026 N/A	March 16, 2026	March 16, 2026	2026	View Filing

Showing 1 to 10 of 110 filings

Related Guides

Blog Categories

Continue your UWMC research with focused valuation guides.

Fundamentals

Decode statement quality and operating durability.

Accounting

Interpret line items with cleaner analytical framing.

Forecasting

Translate historical performance into forward scenarios.

Reference

Use practical frameworks for statement-led valuation.

Research Paths

Pick your next lens

Snapshot

Start with context, operating signals, and key market metrics.

Value Model

Stress test fair value across bear, base, and bull assumptions.

Statements

Validate revenue quality, margins, and balance sheet durability.

Earnings Call

Read management commentary and compare it with reported outcomes.

Dividends

Check payout sustainability and long-term distribution behavior.

Analyst Expectations

Review consensus spread and where estimate risk is concentrated.