UWMC

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Overview
Forecast
Valuation
Earnings

High

4.750

Open

4.500

VWAP

4.56

Vol

11.90M

Mkt Cap

7.23B

Low

4.430

Amount

54.27M

EV/EBITDA(TTM)

14.22

Total Shares

95.58M

19.45B

EV/OCF(TTM)

P/S(TTM)

0.26

UWM Holdings Corporation, through its subsidiaries, is engaged in the origination, sale and servicing of residential mortgage loans throughout the United States. The Company originates primarily conforming and government loans across all 50 states and the District of Columbia. It operates in a single segment and is engaged in the origination, sale and servicing of residential mortgage loans, exclusively in the wholesale channel. It is focused on originating conventional, agency-eligible loans that can be sold to Fannie Mae, Freddie Mac or transferred to Ginnie Mae pools for sale in the secondary market. Its conventional agency-conforming loans meet the general underwriting guidelines established by Fannie Mae and Freddie Mac. Easiest Application System Ever is its primary LOS that allows clients to interact with the Company and to select products, lock rates and run the Automated Underwriting System. Blink+ is its client facing point of sale system white-labeled for its clients.

Market Estimates

Earnings Estimates

Revenue

YoY Chg

EPS

YoYChg

FY2025Q3

FY2025Q4

FY2026Q1

655.87M

+24.59%

0.061

+513.6%

669.83M

+19.57%

0.063

+201.93%

630.55M

+2.8%

0.069

+189.08%

Estimates Revision

The market is revising Upward the revenue expectations for UWM Holdings Corporation (UWMC) for FY2025, with the revenue forecasts being adjusted by 0.04% over the past three months. During the same period, the stock price has changed by 6.35%.

Revenue Estimates for FY2025

Revise Upward

+0.04%

In Past 3 Month

EPS Estimates for FY2025

No Change

0.00%

In Past 3 Month

Stock Price

Go Up

+6.35%

In Past 3 Month

4 Analyst Rating

38.27% Upside

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 6.25 USD with a low forecast of 4.50 USD and a high forecast of 10.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

3 Buy

1 Hold

0 Sell

Strong Buy

38.27% Upside

Current: 4.520

Low

4.50

Averages

6.25

High

10.00

38.27% Upside

Current: 4.520

Low

4.50

Averages

6.25

High

10.00

Keefe Bruyette

Bose George

Outperform -> Market Perform

downgrade

2025-07-10

Reason

Keefe Bruyette

Bose George

Price Target

2025-07-10

downgrade

Outperform -> Market Perform

Reason

Keefe Bruyette analyst Bose George downgraded UWM Holdings to Market Perform from Outperform with a price target of $4.50, down from $6.50. While the shares remain inexpensive, there are no positive catalysts for UWM in a higher for longer interest rate environment, the analyst tells investors in a research note.

Barclays

Terry Ma

Equal Weight -> Overweight

upgrade

2025-07-08

Reason

Barclays

Terry Ma

Price Target

2025-07-08

upgrade

Equal Weight -> Overweight

Reason

Barclays analyst Terry Ma upgraded UWM Holdings to Overweight from Equal Weight with an unchanged price target of $6 as part of a Q2 preview for the mortgage finance sector. The origination environment remains challenging, and investors should own balanced business models with meaningful servicing segments, the analyst tells investors in a research note. The firm says UWM shares \"look discounted enough to step in.\" Barclays views the company as a long-term winner in the mortgage space, with continued broker channel growth helping drive share gains.

UBS

Douglas Harter

Strong Sell

Hold

Upgrades

$4.75 → $4.5

2025-04-16

Reason

UBS

Douglas Harter

Price Target

$4.75 → $4.5

2025-04-16

Upgrades

Strong Sell

Hold

Reason

UBS upgraded UWM Holdings to Neutral from Sell with a price target of $4.50, down from $4.75 as part of a broader research note on Mortgage Banking. The environment continued to be more favorable for servicing earnings than originations in Q1, and while there is downside risk to the firm's Q1 funded volume estimate, the late-quarter volume pick-up in refinancing volume should benefit the lock volume, reducing risk to estimates, the analyst tells investors in a research note. UBS adds that it still prefers more balanced origination and servicing business models that produced more predictable and stable returns.

Wedbush

Jay McCanless

Hold

Reiterates

$6.5

2025-03-03

Reason

Wedbush

Jay McCanless

Price Target

$6.5

2025-03-03

Reiterates

Hold

Reason

Keefe, Bruyette & Woods

Bose George

Hold

Buy

Upgrades

$6.5 → $7.5

2025-03-03

Reason

Keefe, Bruyette & Woods

Bose George

Price Target

$6.5 → $7.5

2025-03-03

Upgrades

Hold

Buy

Reason

Keefe, Bruyette & Woods

Bose George

Hold

Maintains

$7 → $6.5

2025-01-03

Reason

Keefe, Bruyette & Woods

Bose George

Price Target

$7 → $6.5

2025-01-03

Maintains

Hold

Reason

Keefe Bruyette lowered the firm's price target on UWM Holdings to $6.50 from $7 and keeps a Market Perform rating on the shares. The firm reduced price targets for the mortgage originators citing the higher interest and mortgage rate backdrop and the prospect of "muted" mortgage volumes in the seasonally slower winter months. Keefe expects mortgage rates to remain above 6% over the course of 2025 and sees limited near-term catalysts for mortgage rates to move materially lower, the analyst tells investors in a research note. The firm says the stock tends to trade inversely with the 10-year U.S. Treasury yield, so in the event rates do decline meaningfully there would likely be upside to shares. However, Keefe is expecting significantly lower rates in the near term.

See All Ratings

Valuation Metrics

The current forward P/E ratio for UWM Holdings Corp (UWMC.N) is 13.76, compared to its 5-year average forward P/E of 17.68. For a more detailed relative valuation and DCF analysis to assess UWM Holdings Corp 's fair value, click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.

Fair

5Y Average PE

17.68

Current PE

13.76

Overvalued PE

24.23

Undervalued PE

11.14

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.

Fair

5Y Average EV/EBITDA

15.79

Current EV/EBITDA

15.71

Overvalued EV/EBITDA

30.46

Undervalued EV/EBITDA

1.13

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.

Overvalued

5Y Average PS

0.25

Current PS

0.37

Overvalued PS

0.34

Undervalued PS

0.16