Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Valuation
- Analyst Ratings
Upturn AI SWOT - About
UWM Holdings Corp (UWMC)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
06/30/2025: UWMC (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
11 Analysts rated it
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Year Target Price $6.44
Year Target Price $6.44
| 2 | Strong Buy |
| 2 | Buy |
| 7 | Hold |
| 0 | Under performing |
| 0 | Sell |
Analysis of Past Performance
Type Stock | Historic Profit -3.39% | Avg. Invested days 35 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 9.87B USD | Price to earnings Ratio - | 1Y Target Price 6.44 |
Price to earnings Ratio - | 1Y Target Price 6.44 | ||
Volume (30-day avg) 11 | Beta 1.75 | 52 Weeks Range 3.79 - 9.07 | Updated Date 06/30/2025 |
52 Weeks Range 3.79 - 9.07 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 9.76% | Basic EPS (TTM) -0.08 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -0.32% | Operating Margin (TTM) -23.36% |
Management Effectiveness
Return on Assets (TTM) 1.84% | Return on Equity (TTM) -4.8% |
Valuation
Trailing PE - | Forward PE 22.32 | Enterprise Value 13351201792 | Price to Sales(TTM) 3.97 |
Enterprise Value 13351201792 | Price to Sales(TTM) 3.97 | ||
Enterprise Value to Revenue 3.21 | Enterprise Value to EBITDA 22.05 | Shares Outstanding 201418000 | Shares Floating 139458100 |
Shares Outstanding 201418000 | Shares Floating 139458100 | ||
Percent Insiders 21.52 | Percent Institutions 60.49 |
Analyst Ratings
Rating 4 | Target Price 6.44 | Buy 2 | Strong Buy 2 |
Buy 2 | Strong Buy 2 | ||
Hold 7 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
UWM Holdings Corp
Company Overview
History and Background
UWM Holdings Corporation was founded in 1986 as Shore Mortgage. It has evolved to become the largest wholesale mortgage lender in the U.S., primarily focused on partnering with independent mortgage brokers.
Core Business Areas
- Wholesale Mortgage Lending: UWM originates residential mortgage loans exclusively through independent mortgage brokers. This constitutes their primary revenue stream.
Leadership and Structure
Mat Ishbia serves as the Chairman and CEO. The company operates with a traditional corporate structure, focusing on technology and broker support.
Top Products and Market Share
Key Offerings
- Residential Mortgage Loans: UWM offers a wide range of residential mortgage products, including conventional, government-backed (FHA, VA, USDA), and jumbo loans. They are the largest wholesale lender, commanding a significant market share within the broker channel. Competitors include Rocket Mortgage, PennyMac, and Homepoint Capital.
Market Dynamics
Industry Overview
The mortgage industry is highly cyclical, influenced by interest rates, economic conditions, and housing market trends. The wholesale channel is becoming increasingly competitive.
Positioning
UWM positions itself as a technology-driven partner to independent mortgage brokers, offering competitive rates and superior service. Their competitive advantage lies in their scale and technology platform.
Total Addressable Market (TAM)
The total mortgage origination market is estimated to be multi-trillion dollars annually. UWM is focused on capturing a larger share of the wholesale channel within this TAM.
Upturn SWOT Analysis
Strengths
- Largest wholesale mortgage lender
- Strong technology platform
- Extensive broker network
- Competitive pricing
Weaknesses
- Reliance on independent mortgage brokers
- Sensitivity to interest rate fluctuations
- High operating expenses
- Market perception of CEO
Opportunities
- Expanding market share in the wholesale channel
- Developing new mortgage products and services
- Leveraging technology to improve efficiency
- Strategic partnerships
Threats
- Rising interest rates
- Increased competition from other lenders
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- RKT
- PENNYMAC FINANCIAL SERVICES, INC
Competitive Landscape
UWM has the advantage of scale and broker relationships. However, it is sometimes considered less diversified than competitors like Rocket Mortgage and faces PR concerns. It must continue to enhance its tech edge.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends require specific data.
Future Projections: Future projections require specific data from analyst estimates.
Recent Initiatives: Recent initiatives include investments in technology and broker support programs.
Summary
UWM Holdings is the largest wholesale mortgage lender, boasting a solid tech platform and extensive broker network. The company's reliance on interest rates and broker relationships creates vulnerabilities. However, its strategic initiatives and market position offer opportunities for growth if macroeconomic conditions stabilize. It also needs to fix its PR issues with the current CEO.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Industry Reports
- Analyst Estimates
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market share data is approximate and based on available public information.
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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.