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

-2.65B

Operating Cash Flow

-58%

3Y-132.0%

5Y-4793.0%

10Y+251.0%

2.26B

Investing Cash Flow

-16%

3Y+75.0%

5Y+874.0%

10Y+1013.0%

384.02M

Financing Cash Flow

-89%

3Y-104.0%

5Y-52.0%

10Y-32.0%

UWM Holdings Corporation Cash Conversion Engine

UWMC · NYSE

FCF Components

Net Income27.38M

Depreciation & Amortization55.51M

Stock-Based Compensation0.00

Change in Working Capital-433.20M

Others-2.30B

Capital Expenditures-74.05M

Free Cash Flow-2.72B

Cash Flow Quality Analysis

FCF Conversion Rate

-9940.1%

Negative free cash flow despite positive earnings raises concerns about cash generation ability or heavy capital requirements.

CapEx Intensity

-2.8%

Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.

FCF Growth Trend

+56.7%

Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.

Working Capital Impact

-$433.20M

Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.

Cash Flow Quality Insight

Cash flow concerns: Despite profitability, the company is burning cash. Review working capital management, CapEx levels, and sustainability of current operations.

UWM Holdings Corporation Cash Flow Statement

UWMC • NYSE

UWM Holdings Corporation Cash Flow Statement	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
OPERATING ACTIVITIES
Net Income	27.4M	329.4M	-13.2M	931.9M	931.9M	3.4B	415.1M	91.3M	114.6M
Depreciation & Amortization	55.5M	48.8M	50.1M	49.4M	49.4M	35.1M	92.2M	50.7M	40.4M
Change in Deferred Taxes	0.0	0.0	0.0	20.5M	0.0	-191.6M	0.0	0.0	0.0
Stock-Based Compensation	0.0	24.6M	13.8M	7.5M	6.5M	0.0	0.0	0.0	0.0
Other Non-Cash Items	-2.3B	-2.6B	-1.4B	-2.4B	-20.6B	-3.2B	-4B	-361.1M	-245.6M
Cash Taxes Paid	(0.0)	(3M)	(0.0)	(0.0)	(1.8M)	(0.0)	(0.0)	(0.0)	(0.0)
Change in Working Capital	-433.2M	-4B	1.5B	9.7B	9.7B	4M	-134.9K	-707M	-664M
Cash from Operating Activities	-2.6B	-6.2B	165.2M	8.3B	-10B	56.4M	-3.5B	-926.2M	-754.6M
INVESTING ACTIVITIES
Investments in Property, Plant, and Equipment	-74M	(0.0)	-26.4M	-26.6M	-26.6M	-65.4M	-57.3M	-53.3M	-164K
Acquisitions, Net	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)	(331.3K)	(0.0)	(0.0)	(0.0)
Purchase of Investments	-100M	(0.0)	(0.0)	(0.0)	(0.0)	-331.3K	(0.0)	(0.0)	(0.0)
Sale/Maturity of Investments	7.3M	7.9M	7.4M	11M	11M	1.1M	0.0	0.0	0.0
Other Investing Items	2.4B	2.7B	1.8B	1.3B	215.4M	296.2M	634.7M	224M	203.3M
Cash from Investing Activities	(2.3B)	(2.7B)	(1.8B)	(1.3B)	(199.8M)	(231.9M)	(577.4M)	(170.7M)	(203.1M)
FINANCING ACTIVITIES
Net Issuance of Common Stock	0.0	0.0	0.0	0.0	-81.6M	435.5M	25K	0.0	0.0
Net Issuance of Debt	1.1B	4.3B	-1.6B	-8.8B	10B	2.5B	3.1B	734.2M	651.6M
Cash Paid for Dividends	-716.6M	-39.7M	-37.2M	-788M	-1.5B	-2B	-72.8M	-5.4M	-89.4M
Share Repurchases	(0.0)	(0.0)	(0.0)	(0.0)	-81.6M	(0.0)	(0.0)	(0.0)	(0.0)
Other Financing Items	-365K	-721.9M	-602.1M	0.0	871.7M	-151.3M	-25K	0.0	0.0
Cash from Financing Activities	384M	3.6B	-2.2B	-9.6B	9.3B	802.3M	3B	728.9M	562.1M
CASH FLOW SUMMARY
Effect of Foreign Exchange Rates	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	58.1M
Net Change in Cash	-4M	9.9M	-207.4M	-26.2M	-492.7M	1.1B	91.2M	-26.6M	68.7M
Cash at Beginning of Period	507.3M	497.5M	704.9M	731.1M	1.2B	133.3M	42.1M	68.7M	0.0
Cash at End of Period	503.4M	507.3M	497.5M	704.9M	731.1M	1.2B	133.3M	42.1M	68.7M
Free Cash Flow	-2.7B	-6.3B	138.8M	8.2B	-10B	-876K	-3.5B	-979.4M	-754.8M

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

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