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Upturn AI SWOT - About
UWMC 
UWM Holdings Corp (UWMC)
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Upturn Advisory Summary
10/14/2025: UWMC (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
11 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $6.53
1 Year Target Price $6.53
| 2 | Strong Buy |
| 2 | Buy |
| 7 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 4.37% | Avg. Invested days 32 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/14/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 8.62B USD | Price to earnings Ratio 132.5 | 1Y Target Price 6.53 |
Price to earnings Ratio 132.5 | 1Y Target Price 6.53 | ||
Volume (30-day avg) 11 | Beta 1.83 | 52 Weeks Range 3.73 - 7.03 | Updated Date 10/14/2025 |
52 Weeks Range 3.73 - 7.03 | Updated Date 10/14/2025 | ||
Dividends yield (FY) 7.48% | Basic EPS (TTM) 0.04 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 0.45% | Operating Margin (TTM) 61.25% |
Management Effectiveness
Return on Assets (TTM) 3.15% | Return on Equity (TTM) 6.87% |
Valuation
Trailing PE 132.5 | Forward PE 15.06 | Enterprise Value 13427779584 | Price to Sales(TTM) 3.29 |
Enterprise Value 13427779584 | Price to Sales(TTM) 3.29 | ||
Enterprise Value to Revenue 3.11 | Enterprise Value to EBITDA 22.05 | Shares Outstanding 218635129 | Shares Floating 180070079 |
Shares Outstanding 218635129 | Shares Floating 180070079 | ||
Percent Insiders 17.96 | Percent Institutions 61.78 |
Upturn AI SWOT
UWM Holdings Corp
Company Overview
History and Background
UWM Holdings Corporation, formerly Gores Metropoulos II, Inc., was founded in 1986 as United Wholesale Mortgage by Mat Ishbia. It went public through a SPAC merger in January 2021. The company has grown to become one of the largest wholesale mortgage lenders in the US, focusing on providing services to independent mortgage brokers.
Core Business Areas
- Wholesale Mortgage Lending: UWM's primary business involves providing mortgage loans exclusively through a network of independent mortgage brokers. They offer a wide range of mortgage products, including conventional, government, and jumbo loans.
Leadership and Structure
Mat Ishbia serves as the Chairman and CEO. The organizational structure is built around supporting the independent mortgage broker channel, with dedicated teams for sales, operations, technology, and compliance.
Top Products and Market Share
Key Offerings
- Conventional Loans: Offer fixed-rate and adjustable-rate mortgages adhering to Fannie Mae and Freddie Mac guidelines. This is a core product. Competitors include Rocket Mortgage and PennyMac. No specific market share data available for this loan product alone, but UWM is a significant player in the conventional mortgage market overall. This constitutes the majority of their origination volume.
- Government Loans (FHA, VA, USDA): Facilitate access to homeownership through government-backed mortgage programs. Competitors include Rocket Mortgage and Guild Mortgage. No specific market share data available for this loan product alone, but UWM facilitates a large number of this type of mortgage for brokers.
- Jumbo Loans: Offer mortgages that exceed the conforming loan limits set by Fannie Mae and Freddie Mac. Enables borrowers to purchase high-value properties. Competitors include numerous private lenders and larger banks. While the exact market share for UWM in the jumbo loan sector is not publicized, they offer these products to support their broker network.
Market Dynamics
Industry Overview
The mortgage industry is cyclical and highly competitive, influenced by interest rates, economic conditions, and housing market trends. Increased regulation and technological advancements are reshaping the industry.
Positioning
UWM is positioned as a technology-driven wholesale lender dedicated to supporting independent mortgage brokers. Their competitive advantage lies in their scale, technology platform, and focus on the broker channel. They are the biggest wholesale lender.
Total Addressable Market (TAM)
The US mortgage market is trillions of dollars. UWM is positioned to capture a substantial portion of this market through its broker network, with a focus on gaining market share from retail lenders.
Upturn SWOT Analysis
Strengths
- Leading wholesale lender
- Advanced technology platform
- Strong relationships with independent mortgage brokers
- Scalable business model
Weaknesses
- Dependence on the wholesale channel
- Sensitivity to interest rate fluctuations
- Reliance on GSEs (Fannie Mae, Freddie Mac)
- Litigation risk
Opportunities
- Increased adoption of the broker channel by consumers
- Expansion into new mortgage products
- Technological innovation to enhance efficiency
- Strategic partnerships
Threats
- Rising interest rates
- Increased competition from retail lenders
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- RKT
- LDI
Competitive Landscape
UWM's competitive advantage is its dedication to the broker channel and its technology platform. Disadvantages can include reliance on market dynamics.
Growth Trajectory and Initiatives
Historical Growth: UWM has experienced rapid growth in loan origination volume, becoming a leading wholesale lender. Growth is tied to the overall mortgage market.
Future Projections: Future growth is dependent on factors such as market share gains and expansion of its broker network, and analyst estimates should be consulted for specific future growth projections.
Recent Initiatives: Recent initiatives include investments in technology to improve efficiency and enhance the broker experience, and strategic partnerships to expand its reach.
Summary
UWM Holdings Corp is the top wholesale mortgage lender, leveraging its technology and relationships to gain market share. Its reliance on the wholesale channel and sensitivity to interest rates are potential weaknesses. UWM's future success hinges on continued innovation and maintaining its strong broker network and the total addressable market will ultimately decide it's success. UWM needs to be very careful to avoid lawsuits that damage its reputation
Peer Comparison
Sources and Disclaimers
Data Sources:
- UWM Holdings Corp. Investor Relations
- SEC Filings
- Industry Reports
- Analyst Reports
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market conditions and company performance can change rapidly. Consult with a qualified financial advisor before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About UWM Holdings Corp
Exchange NYSE | Headquaters Pontiac, MI, United States | ||
IPO Launch date 2020-03-24 | Chairman, President & CEO Mr. Mathew R. Ishbia | ||
Sector Financial Services | Industry Mortgage Finance | Full time employees 9100 | Website https://www.uwm.com |
Full time employees 9100 | Website https://www.uwm.com | ||
UWM Holdings Corporation engages in the origination, sale, and servicing residential mortgage lending in the United States. The company offers mortgage loans through wholesale channel. It originates primarily conforming and government loans. UWM Holdings Corporation was founded in 1986 and is headquartered in Pontiac, Michigan.
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