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Upturn AI SWOT - About
UWM Holdings Corp (UWMC)
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Upturn Advisory Summary
08/14/2025: UWMC (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $5.78
1 Year Target Price $5.78
| 2 | Strong Buy |
| 2 | Buy |
| 7 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -9.55% | Avg. Invested days 29 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 9.87B USD | Price to earnings Ratio 137 | 1Y Target Price 5.78 |
Price to earnings Ratio 137 | 1Y Target Price 5.78 | ||
Volume (30-day avg) 11 | Beta 1.74 | 52 Weeks Range 3.79 - 9.07 | Updated Date 08/15/2025 |
52 Weeks Range 3.79 - 9.07 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 7.16% | Basic EPS (TTM) 0.04 |
Earnings Date
Report Date 2025-08-07 | When - | Estimate 0.06 | Actual 0.16 |
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 137 | Forward PE 30.67 | Enterprise Value 13467133952 | Price to Sales(TTM) 3.76 |
Enterprise Value 13467133952 | Price to Sales(TTM) 3.76 | ||
Enterprise Value to Revenue 3.01 | Enterprise Value to EBITDA 22.05 | Shares Outstanding 218635008 | Shares Floating 169107713 |
Shares Outstanding 218635008 | Shares Floating 169107713 | ||
Percent Insiders 19.83 | Percent Institutions 58.29 |
Upturn AI SWOT
UWM Holdings Corp
Company Overview
History and Background
UWM Holdings Corporation was founded in 1986 as Shore Mortgage. It evolved into United Wholesale Mortgage (UWM), becoming a leading wholesale mortgage lender in the U.S. The company went public through a SPAC merger in 2021.
Core Business Areas
- Wholesale Mortgage Lending: UWM focuses on providing mortgage loans to independent mortgage brokers. They offer a variety of loan products and technology solutions to support brokers' businesses.
Leadership and Structure
Mat Ishbia is the Chairman and CEO. The organizational structure is designed to support the wholesale lending business, with departments focusing on technology, operations, sales, and finance.
Top Products and Market Share
Key Offerings
- Conventional Mortgages: These are standard mortgages not insured by a government agency. UWM offers a wide range of conventional mortgage products. Market share is significant within the broker channel. Competitors include Rocket Mortgage (RKT) and PennyMac (PFSI) in the retail space and various other wholesale lenders.
- FHA Mortgages: Mortgages insured by the Federal Housing Administration. Competitors: Rocket Mortgage (RKT).
- VA Mortgages: Mortgages guaranteed by the Department of Veterans Affairs. Competitors: Rocket Mortgage (RKT).
Market Dynamics
Industry Overview
The mortgage industry is influenced by interest rates, housing market trends, and government regulations. The wholesale channel experiences competition from retail lenders and other wholesale providers.
Positioning
UWM is a leading wholesale mortgage lender, focusing on providing technology and support to independent mortgage brokers. Their competitive advantage lies in their technology platform, service levels, and broker support programs.
Total Addressable Market (TAM)
The total mortgage origination market is estimated to be in the trillions of dollars annually. UWM aims to capture a significant portion of this market through the wholesale channel. It's TAM (for wholesale) is influenced by shift from retail to wholesale channels.
Upturn SWOT Analysis
Strengths
- Leading market share in the wholesale mortgage channel
- Proprietary technology platform (e.g., Blink)
- Strong relationships with independent mortgage brokers
- Focus on operational efficiency
- High service levels.
Weaknesses
- Reliance on the mortgage broker channel
- Sensitivity to interest rate fluctuations
- Potential for regulatory scrutiny
- High fixed costs.
Opportunities
- Growing the wholesale mortgage channel
- Expanding product offerings
- Improving technology capabilities
- Acquiring smaller competitors
- Increase Broker Awareness
Threats
- Increased competition from other lenders
- Rising interest rates
- Economic downturns
- Changes in government regulations
- Consolidation in the mortgage broker industry
Competitors and Market Share
Key Competitors
- RKT
- PFSI
- LDI
Competitive Landscape
UWM benefits from broker relationships and technology. Rocket has brand recognition and a larger direct to consumer capability. PennyMac has a servicing portfolio which provides some stability. All are impacted by interest rate movements.
Growth Trajectory and Initiatives
Historical Growth: Discuss UWM Holdings Corp's growth trends over the past years. (Requires specific financial data)
Future Projections: Provide projections for UWM Holdings Corp's future growth based on analyst estimates. (Requires specific financial data)
Recent Initiatives: Highlight recent strategic initiatives undertaken by UWM Holdings Corp.
Summary
UWM Holdings Corp is a leading wholesale mortgage lender with a strong technology platform. Its reliance on the mortgage broker channel and sensitivity to interest rates are potential risks. Future growth hinges on expanding product offerings and increasing market share within the wholesale channel, while managing macroeconomic risks.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Market Research Reports
- Industry Publications
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Market conditions and company performance are subject to change.
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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