UWMC PE Ratio & Valuation,Is UWMC Overvalued

UWMC Relative Valuation

UWMC's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, UWMC is overvalued; if below, it's undervalued.

Historical Valuation

UWM Holdings Corp (UWMC) is now in the Undervalued zone, suggesting that its current forward PE ratio of 10.82 is considered Undervalued compared with the five-year average of 18.04. The fair price of UWM Holdings Corp (UWMC) is between 5.22 to 9.60 according to relative valuation methord. Compared to the current price of 4.71 USD , UWM Holdings Corp is Undervalued By 9.69%.

Relative Value

Fair Zone

5.22-9.60

Current Price：4.71

9.69%

Undervalued

10.82

13.95

EV/EBITDA

UWM Holdings Corp. (UWMC) has a current EV/EBITDA of 13.95. The 5-year average EV/EBITDA is 16.97. The thresholds are as follows: Strongly Undervalued below -10.90, Undervalued between -10.90 and 3.03, Fairly Valued between 30.90 and 3.03, Overvalued between 30.90 and 44.84, and Strongly Overvalued above 44.84. The current Forward EV/EBITDA of 13.95 falls within the Historic Trend Line -Fairly Valued range.

11.59

EV/EBIT

UWM Holdings Corp. (UWMC) has a current EV/EBIT of 11.59. The 5-year average EV/EBIT is 8.55. The thresholds are as follows: Strongly Undervalued below 0.16, Undervalued between 0.16 and 4.35, Fairly Valued between 12.75 and 4.35, Overvalued between 12.75 and 16.94, and Strongly Overvalued above 16.94. The current Forward EV/EBIT of 11.59 falls within the Historic Trend Line -Fairly Valued range.

0.34

UWM Holdings Corp. (UWMC) has a current PS of 0.34. The 5-year average PS is 0.28. The thresholds are as follows: Strongly Undervalued below 0.15, Undervalued between 0.15 and 0.22, Fairly Valued between 0.35 and 0.22, Overvalued between 0.35 and 0.42, and Strongly Overvalued above 0.42. The current Forward PS of 0.34 falls within the Historic Trend Line -Fairly Valued range.

0.00

P/OCF

UWM Holdings Corp. (UWMC) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

UWM Holdings Corp. (UWMC) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

UWM Holdings Corp (UWMC) has a current Price-to-Book (P/B) ratio of 5.82. Compared to its 3-year average P/B ratio of 5.35 , the current P/B ratio is approximately 8.73% higher. Relative to its 5-year average P/B ratio of 4.74, the current P/B ratio is about 22.67% higher. UWM Holdings Corp (UWMC) has a Forward Free Cash Flow (FCF) yield of approximately -298.59%. Compared to its 3-year average FCF yield of -227.09%, the current FCF yield is approximately 31.48% lower. Relative to its 5-year average FCF yield of -139.56% , the current FCF yield is about 113.96% lower.

5.82

P/B

Median3y

5.35

Median5y

4.74

-298.59

FCF Yield

Median3y

-227.09

Median5y

-139.56

Competitors Valuation Multiple

The average P/S ratio for UWMC's competitors is 2.22, providing a benchmark for relative valuation. UWM Holdings Corp Corp (UWMC) exhibits a P/S ratio of 0.34, which is -84.66% above the industry average. Given its robust revenue growth of -11.65%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

Revenue Growth

Market Cap

Performance Decomposition

Market capitalization of UWMC decreased by 21.92% over the past 1 year. The primary factor behind the change was an increase in P/E Change from 51.28 to 75.38.

The secondary factor is the Revenue Growth, contributed -11.65%to the performance.

Overall, the performance of UWMC in the past 1 year is driven by P/E Change. Which is more unsustainable.

-11.65%

947.53M → 837.14M

Revenue Growth

-57.27%

3.37 → 1.44

Margin Expansion

47.00%

51.28 → 75.38

P/E Change

-21.92%

5.93 → 4.63

Mkt Cap Growth

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Frequently Asked Questions

Is UWM Holdings Corp (UWMC) currently overvalued or undervalued?

What is UWM Holdings Corp (UWMC) fair value?

UWMC's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average , adjusted by weights. The fair price of UWM Holdings Corp (UWMC) is between 5.22 to 9.60 according to relative valuation methord.

How does UWMC's valuation metrics compare to the industry average?

What is the current P/B ratio for UWM Holdings Corp (UWMC) as of Jan 09 2026?

As of Jan 09 2026, UWM Holdings Corp (UWMC) has a P/B ratio of 5.82. This indicates that the market values UWMC at 5.82 times its book value.

What is the current FCF Yield for UWM Holdings Corp (UWMC) as of Jan 09 2026?

As of Jan 09 2026, UWM Holdings Corp (UWMC) has a FCF Yield of -298.59%. This means that for every dollar of UWM Holdings Corp’s market capitalization, the company generates -298.59 cents in free cash flow.

What is the current Forward P/E ratio for UWM Holdings Corp (UWMC) as of Jan 09 2026?

As of Jan 09 2026, UWM Holdings Corp (UWMC) has a Forward P/E ratio of 10.82. This means the market is willing to pay $10.82 for every dollar of UWM Holdings Corp’s expected earnings over the next 12 months.

What is the current Forward P/S ratio for UWM Holdings Corp (UWMC) as of Jan 09 2026?

As of Jan 09 2026, UWM Holdings Corp (UWMC) has a Forward P/S ratio of 0.34. This means the market is valuing UWMC at $0.34 for every dollar of expected revenue over the next 12 months.

UWMC Valuation