UWM Holdings Corp
NYSE:UWMC

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UWM Holdings Corp
NYSE:UWMC
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Price: 6 USD -6.1% Market Closed
Market Cap: 9.6B USD
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Intrinsic Value

The intrinsic value of one UWMC stock under the Base Case scenario is 10 USD. Compared to the current market price of 6 USD, UWM Holdings Corp is Undervalued by 40%.

The Intrinsic Value is calculated as the average of DCF and Relative values:

UWMC Intrinsic Value
10 USD
Undervaluation 40%
Intrinsic Value
Price
Worst Case
Base Case
Best Case

Valuation History
UWM Holdings Corp

Intrinsic Value History
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Backtest Conclusion
Very Attractive
Current Valuation
+45%
Avg Valuation
-12%
Worst Valuation
-49%
Best Valuation
+45%

Stock is trading at its lowest valuation over the past 5 years.

Backtest Example
UWMC
Valuation History
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Valuation History Unavailable

Historical valuation for UWMC cannot be conducted due to limitations such as insufficient data or other constraints.

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Fundamental Analysis

UWM Holdings Corp
NYSE:UWMC
US
Financial Services
Market Cap
9.6B USD
IPO
Jan 24, 2020
US
Financial Services
Market Cap
9.6B USD
IPO
Jan 24, 2020
Price
$
$
Company Overview
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Business Segments
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Economic Moat
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Earnings Call
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Management
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Contacts
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Bear Theses

Prolonged elevated interest rates could significantly reduce mortgage demand, pressuring UWM’s production volumes and net margin. This threat is amplified by UWM’s concentration in purchase and refinance loans, making its earnings highly sensitive to macro rate cycles.

Fierce competition within the wholesale mortgage space may lead to margin compression, especially if rival platforms aggressively cut fees to gain broker share. UWM's near-exclusive dedication to wholesale could push it into differentiating primarily on price, eroding profitability.

A slowdown or decline in residential real estate prices could elevate loan-to-value ratios and credit risk. Any surge in loan defaults would expose UWM’s balance sheet to heightened losses, testing its liquidity and putting its growth-oriented strategy at risk.

Bull Theses

UWM’s scale, combined with its proprietary technology platform, allows it to offer faster turnaround times and competitive pricing, making it the go-to lender for many mortgage brokers. This operational edge supports strong market share and cost advantages.

UWM’s entrenched relationships with a broad broker network create high switching costs and brand loyalty that could mitigate competitive threats. Its commitment to the wholesale channel and broker-centric model helps drive consistent origination volumes.

Even in a tightening environment, UWM’s focus on efficiency and fee structures positions it to capture additional market share. As competitors retreat or consolidate, UWM’s robust capital position and tech-enabled processes could enable deliberate expansion and stabilized margins.

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Financials
Annual
Quarterly
TTM
Annual
Quarterly
TTM

Balance Sheet Decomposition
UWM Holdings Corp

Current Assets 776.3m
Cash & Short-Term Investments 507.3m
Receivables 269m
Non-Current Assets 14.9B
Long-Term Investments 103m
PP&E 263.1m
Intangibles 4B
Other Non-Current Assets 10.6B
Current Liabilities 931.6m
Accounts Payable 187.8m
Accrued Liabilities 615.8m
Short-Term Debt 90.6m
Other Current Liabilities 37.4m
Non-Current Liabilities 14.6B
Long-Term Debt 12.6B
Other Non-Current Liabilities 1.9B
Efficiency

Free Cash Flow Analysis
UWM Holdings Corp

Last Value
3-Years Average
FCF Margin
Conversion Rate

Earnings Waterfall
UWM Holdings Corp

Revenue
2.7B USD
Cost of Revenue
-301.3m USD
Gross Profit
2.4B USD
Operating Expenses
-1B USD
Operating Income
1.3B USD
Other Expenses
-1.3B USD
Net Income
14.4m USD
Fundamental Scores

UWMC Profitability Score
Profitability Due Diligence

UWM Holdings Corp's profitability score is 51/100. The higher the profitability score, the more profitable the company is.

Positive Gross Profit
Positive Operating Income
Positive 3-Year Average ROE
Positive Revenue Growth Forecast
51/100
Profitability
Score

UWM Holdings Corp's profitability score is 51/100. The higher the profitability score, the more profitable the company is.

UWMC Solvency Score
Solvency Due Diligence

UWM Holdings Corp's solvency score is 19/100. The higher the solvency score, the more solvent the company is.

Long-Term Solvency
Short-Term Solvency
Positive Net Debt
Low Altman Z-Score
19/100
Solvency
Score

UWM Holdings Corp's solvency score is 19/100. The higher the solvency score, the more solvent the company is.

Wall St
Price Targets

UWMC Price Targets Summary
UWM Holdings Corp

Wall Street analysts forecast UWMC stock price to rise over the next 12 months.

According to Wall Street analysts, the average 1-year price target for UWMC is 6.96 USD with a low forecast of 4.8 USD and a high forecast of 10.5 USD.

Lowest
Price Target
4.8 USD
20% Downside
Average
Price Target
6.96 USD
16% Upside
Highest
Price Target
10.5 USD
75% Upside
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Dividends

Dividend Yield
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Dividend Per Share
N/A
Growth 3Y
Growth 5Y
Growth 10Y
Dividend Safety Score
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0
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100
Shareholder Yield

Current shareholder yield for UWMC is .

Shareholder yield represents the total return a company provides to its shareholders, calculated as the sum of dividend yield, buyback yield, and debt paydown yield. What is shareholder yield?

Shareholder Yield
Dividend Yield
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Other Videos
What is the Intrinsic Value of one UWMC stock?

The intrinsic value of one UWMC stock under the Base Case scenario is 10 USD.

Is UWMC stock undervalued or overvalued?

Compared to the current market price of 6 USD, UWM Holdings Corp is Undervalued by 40%.

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