UWM Holdings Corp · Mortgage Bankers & Loan Correspondents

UWMC

High riskNext report: Around Feb 24, 2027 (est.)

View price ↗

The short version

A profitable company with growing sales. Institutions are adding.

Going well

Sales up 17% in the latest quarter vs a year ago
Profitable
Sales up 18% last year

Money moves

No insider buying or selling in the last 30 days
Institutions added 32% to their holdings in the quarter ending June 2026 (206 bought, 113 sold)
Held by Stanley Druckenmiller (Duquesne)

Facts from SEC filings, not a recommendation.

What the price means

Price as of Oct 26

$1.40-4.1% that day

Company value: $473M; Share price times all shares
Price vs profit (P/E): 2.5x; You pay about $2 for each $1 of yearly profit
Price vs sales: 0.13x; Company value is 0.13 times a year of sales
Cash vs value: 105%; A big cushion: cash is a large part of what the company is worth
Debt vs value: 631%; Owes more than the whole company is worth

From UWMC's last IEX trade and its SEC filings (profits and sales over the last four quarters). A starting point for research, not a verdict.

The business over time

Last 12 quarters, from SEC filings

Sales, Jun '26

$888.0M+17% vs a year earlier

Sep '23Tap a barJun '26

Last 12 months: $3.6B, up 26% from the 12 months before. Over 5 years, sales shrank about 8.5% a year.

What the price assumes

Your guesses, our math

Move the sliders to your own view of UWMC. Starting points are the company's recent numbers.

Sales growth+26% a yearRecently: +26% a yearProfit margin5%Last 12 months: 5.0%P/E at the end8xToday: 2.5x. Many steady companies trade at 12x to 25xShare count change0% a yearBelow zero means buybacks; above zero means new shares (dilution)

Sales in 5 years$11.4B

Profit in 5 years$568M

Price these guesses point to$13.47+862% vs $1.40 todayAbout +57% a year, before dividends

What today's price needs: with a 5% margin and a 8x P/E, sales could shrink about 20% a year for 5 years and still match today's price.

Simple math on your guesses, not a forecast or a price target. Real results depend on many things these sliders leave out.

Price

Price chart by TradingView.

Business quality

The checklist Warren Buffett-style investors use. Annual numbers for 2025.

0/3Weak

MissNet margin 10%+Keeps at least 10 cents of profit from each dollar of sales.7.7%
MissProfitable every yearSteady profits, not one good year.5 of 7 years
MissFree cash flow positiveBrings in more cash than it spends to run and grow.-$2.7B

Revenue: $3.2B; +18.2% vs prior year
5-year growth: -8.5%/yr; revenue, per year
Total debt: $3.0B
Free cash flow: -$2.7B; -86.1% of revenue

From annual reports filed with the SEC. Gross margin doesn't apply to banks and insurers, so it isn't scored. Not in this company's SEC data, so not scored: return on equity 15%+, debt under half of equity, share count not growing. A checklist is a starting point for research, not a verdict.

Latest quarter

Quarter ended Jun 30, 2026

Reported Oct 23Before open8:43 am ET

The numbers below are the quarter before. The new quarter's full numbers come with the 10-Q. Read the press release ↗

Revenue: $888.0M; +17.0% YoY
EPS: -$0.24; vs $0.55
Free cash flow: $334.6M
Share count: +734.9%; vs a year ago

Insider rating

Last 90 days

No open-market insider buys or sells in the last 90 days.

Weekly insider trend

No trades to chart yet.

Filing buzz

Last 7 days vs normal

40/ 100

This week: 1
Normal week: 1.4
vs normal: 0.7x

SEC filings of any kind. 50 means a normal week.

Institutional ownership

Accumulating+31.9%

Institutions added 31.9% to their holdings. 206 bought, 113 sold.

Shares held by institutions273.8M

Sep '24Jun '26

Safety check

From SEC filings

Cash runwayAt last year's cash burn

2 months

Debt to equityLatest balance sheet: debt compared with what owners have

3.0x · $3.0B debt

Shares outstandingLatest reported

103M

Why high risk

High debt: 3.03x equity
3 offering filings in 6 months (may sell new shares)
Exchange listing notice (a delisting warning or a move to another exchange)

Earnings reports

Last 12

Next reportAround Feb 24, 2027 (est.)Estimated from the same quarter last year

Results filedOct 23
Results filedAug 6
Results filedMay 6
Results filedFeb 25
Results filedNov 6, 2025

Flags and big holders

Offerings 6 months, flags 12 months, holders 90 days

Offering prospectusOct 27 · View filing ↗Offering New 5%+ holder (passive)Sep 29 · View filing ↗Big holder Offering prospectusSep 29 · View filing ↗Offering 5%+ holder update (passive)Aug 12 · View filing ↗Big holder New 5%+ holder (passive)Aug 10 · View filing ↗Big holder 5%+ holder update (active)Aug 10 · View filing ↗Activist Major agreementAug 6 · View filing ↗Offering Listing standards noticeDec 29, 2025 · View filing ↗Red flag

Insider trades

Open-market buys and sells, last 90 days

No open-market buys or sells in 90 days. Grants and option exercises are left out.

"Owns after" is the insider's holding right after the trade. Pre-planned (10b5-1) sales are set up months ahead, a weaker signal.

Latest filings

Straight from SEC EDGAR

Offering prospectusOct 27 · Form 424B5 ↗Earnings resultsOct 23 · Form 8-K ↗Other company newsOct 5 · Form 8-K ↗Offering prospectusOct 1 · Form 424B7 ↗Other company newsOct 1 · Form 8-K ↗New 5%+ holder (passive)Sep 29 · Form SCHEDULE 13G ↗Offering prospectusSep 29 · Form 424B5 ↗FWPSep 23 · Form FWP ↗DEF 14CSep 14 · Form DEF 14C ↗

Option exerciseRami HasaniEVP, Chief Financial Officer

2,500 shares at $1.37 · $3K

+14% of holdings
Now owns 20,577 shares
Filed 1 day after trade
Also: Shares withheld for taxes

Sep 1Form 4 ↗

PRE 14CSep 2 · Form PRE 14C ↗

Option exerciseRami HasaniEVP, Chief Financial Officer

7,971 shares at $1.49 · $12K

+64% of holdings
Now owns 20,397 shares
Filed 3 days after trade
Also: Shares withheld for taxes

Aug 28Form 4 ↗

5%+ holder update (passive)Aug 12 · Form SCHEDULE 13G/A ↗New insiderAug 12 · Form 3 ↗5%+ holder update (active)Aug 10 · Form SCHEDULE 13D/A ↗

Source: SEC EDGAR filings. For informational purposes. Not investment advice.

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