UWM Holdings Corporation
UWMCFinancial ServicesNASDAQMortgage Finance
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Daily timeframeUWM Holdings Corporation engages in the origination, sale, and servicing residential mortgage lending in the United States. The $3.26B market capitalization puts UWMC squarely in mid-cap range for its industry. The company offers mortgage loans through wholesale channel.
Market Cap
$3.26B
Beta
1.81
P/E (TTM)
6.73
P/E (Fwd)
4.18
EPS (TTM)
$0.30
EPS (Fwd)
$0.48
ROE
40.9%
ROA
4.6%
Cash
$419.5M
Total Debt
$16.54B
Free CF
-$1.09B
52W Change
-52.4%
Annual Financials
Cash vs Debt
The company holds $419.5M in cash, though total debt stands at $16.54B. This level of leverage is common in the industry but worth monitoring as interest rate conditions evolve. Free cash flow is running at -$1.09B, which bears watching. Negative free cash flow can be acceptable during heavy investment periods but needs to improve over time. ROE of 40.9% points to exceptionally high capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 4.6% is on the lower side, which is common in asset-heavy industries. Revenue has been uneven over recent years, ranging from $1.84B to $1.55B.
A beta of 1.81 means UWMC is more volatile than average. Investors should be prepared for wider price swings relative to broader indices. UWM Holdings Corporation carries a heavier debt load relative to its cash position, which introduces financial risk that investors should weigh. The company is burning cash at the operating level, which is not unusual for growth-phase companies but adds risk if it persists. No single metric tells the full story. Reviewing UWMC's risk profile alongside its fundamentals and technical indicators provides a more complete picture.