UWM Holdings Corporation (UWMC) Stock Analysis
Educational signal · not a buy or sell recommendation · How to read this
P/E 9.02 means the share price is 9.02 times one year of earnings per share; the S&P 500 usually sits near 20-25. Market cap $2.03B is the value of all shares combined.
For informational purposes only. Not financial advice. Machine-generated analysis by Stock Expert AI. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief. Data sources: Financial Modeling Prep, Yahoo Finance, SEC EDGAR
Quick AnswerUWM Holdings Corporation (UWMC) trades at $1.34 with MoonshotScore 26/100 (Grade F). UWM Holdings Corporation operates in the residential mortgage lending business in the United States. It originates mortgage loans through wholesale channels, focusing primarily on conforming and government loans.
Price as of Sep 10, 2026 · Last analyzed: Sep 10, 2026UWM Holdings Corporation operates in the residential mortgage lending business in the United States. It originates mortgage loans through wholesale channels, focusing primarily on conforming and government loans.
UWMC stock analysis for 2026: Analysts have set a consensus price target of $2.90 for UWM Holdings Corporation, suggesting 116.4% upside from the current price of $1.34. The AI MoonshotScore is 26/100, in the Weak band (below 45) — a research signal, not a recommendation. Key factors: analyst coverage, AI-driven quantitative scoring.
UWMC: 3/3 scored disciplines lean bearish. Dominant signal: Seth Klarman bearish.
How is this calculated? →Strongest side: Growth Durability (4/10, Neutral). Weakest side: Momentum (0/10, Negative).
AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Why this analysis is different
- A sector-relative MoonshotScore — five pillars (business quality, financial safety, valuation, growth durability, momentum) re-ranked nightly against the full universe of US-listed common stocks.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
UWM Holdings Corporation Company Overview
Who Are UWMC's Competitors?
UWMC is benchmarked below against 6 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | MoonshotScore |
|---|---|---|---|---|
| ECPG Encore Capital Group, Inc. | $97.94 | +0.63% | $2.10B | — |
| FMCKL Federal Home Loan Mortgage Corporation | $7.03 | -6.02% | $2.88B | — |
| WD Walker & Dunlop, Inc. | $40.33 | -2.51% | $1.38B | — |
| PFSI PennyMac Financial Services, Inc. | $69.81 | -1.55% | $3.62B | — |
| VEL Velocity Financial, Inc. | $18.12 | +0.06% | $711M | — |
| FNMAL Federal National Mortgage Association | $12.43 | 0.00% | $6.55B | — |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are the Key Risks for UWMC?
Financial-distress signal — its Altman Z-Score of 0.39 sits in the distress zone (elevated bankruptcy risk).
- Negative return on equity (-20.1%) — the business is not currently generating profit on shareholder capital.
- Inconsistent delivery — missed Wall Street EPS estimates in 6 of the last 8 reported quarters.
Research confidence
Broad, current evidence sits behind this analysis.
- ● Scored on 100% of our measures
- ● Price is current
- ● Latest filing 35 days ago
- ● Covered by analysts
Why 26?
Measured against companies in the same sector. The figures below are the factor contributions the scoring engine itself produced.
What is helping
- +0.54 Dividend yield (Valuation)
- +0.48 Revenue growth (Growth)
- +0.40 Operating income growth (Growth)
What is holding it back
- -0.78 Return on equity (Business Quality)
- -0.78 Free cash flow yield (Business Quality)
- -0.54 Earnings yield (Valuation)
Risk penalties applied
- -0.81 Loss-making and burning cash
Contribution = how far the company sits from its sector on that measure, weighted by how much the pillar counts. Not investment advice. How the score is built →
MoonshotScore History
Recorded daily since 2026-08-23 · 19 snapshots
| 2026-08-23 | 22 |
| 2026-08-26 | 22 |
| 2026-08-29 | 22 |
| 2026-09-01 | 25 |
| 2026-09-04 | 25 |
| 2026-09-07 | 25 |
| 2026-09-10 | 26 |
What changed?
The grade moved from 22 to 26 (+4).
What moved it up or down:
- +1 Business Quality
- +1 Financial Strength
- +1 Growth
Held back by:
- -7 Valuation
Over the same 18 days the stock moved -4.3%.
Insider Activity
Over the past six months, UWM Holdings Corporation insiders filed 65 SEC Form 4 transactions — 53 sales and 12 purchases. On net that is roughly 10.3M shares disposed (about $137.0M), a signal worth weighing alongside the fundamentals.
Earnings Track Record
UWM Holdings Corporation has missed Wall Street's EPS estimate in 6 of its last 8 reported quarters — a mixed record worth weighing. Reported results have landed about 117.2% below estimates on average.
Financial Health
UWM Holdings Corporation's Piotroski F-Score is 3/9, a 9-point checklist of profitability, leverage and efficiency — flagging fundamental weakness worth scrutiny. Its Altman Z-Score of 0.39 places it in the distress zone, a signal of elevated financial risk.
Key Financial Metrics
Return on equity for UWM Holdings Corporation stands at -20.1%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is -0.2%, showing how much profit it generates from its asset base. A current ratio of 1.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is -13.2%, the inverse of the P/E and a quick read on earnings relative to price.
UWM Holdings Corporation (UWMC) Valuation Context
Valued at $2.03B, UWMC is classified as a mid-cap stock. Analyst price targets span from $2.00 to $5.50, with a consensus of $2.90. At the current price of $1.34, that implies approximately 116% upside potential.
UWMC Revenue & Earnings Trend
In Q2 FY2026, UWMC generated $888.0M in top-line revenue, marking a sequential decrease of 1.5%. The company recorded a net loss of $80.6M, with diluted EPS of $-0.24. Revenue has contracted over three consecutive quarters, which investors in this unknown its sector stock should monitor closely. Across the four most recent quarters, UWMC averaged $-0.02 in diluted EPS.
UWMC Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 FY2026 | $888M | -$81M | -$0.24 |
| Q1 FY2026 | $901M | $25M | $0.09 |
| Q4 FY2025 | $945M | $19M | $0.08 |
| Q3 FY2025 | $471M | -$1M | -$0.01 |
Q2 FY2026 · filed 7 Aug 2026 · SEC EDGAR →
Based on FMP financials and quantitative analysis
UWMC Latest News
-
Kaplan Fox Alerts Investors of UWM Holdings Corporation (UWMC) to an Upcoming Deadline of October 13, 2026 in the Securities Class Action
newsfilecorp.com · Sep 10, 2026
-
UWMC INVESTOR ALERT: UWM Holdings Corporation Investors with $150K+ Losses Have Opportunity to Lead UWM Class Action Lawsuit
prnewswire.com · Sep 10, 2026
-
Bronstein, Gewirtz & Grossman LLC Urges UWM Holdings Corporation Investors to Act: Class Action Filed Alleging Investor Harm
feeds.newsfilecorp.com · Sep 10, 2026
-
UWMC Shareholder Alert: UWM Holdings Corporation Securities Class Action Lawsuit - Investors Should Contact Levi & Korsinsky
gurufocus.com · Sep 10, 2026
UWMC Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations collected by Financial Modeling Prep for UWMC.
Price Targets
Median: $2.00 (+116.4% from current price)
Source: FMP analyst consensus · as of Sep 11, 2026 · an estimate, not advice
UWMC MoonshotScore
What does this score mean?
MoonshotScore is Stock Expert AI's proprietary 0-100 research rating, not a buy or sell recommendation. UWMC scores 26/100 (Grade F): the number comes from the five-pillar engine (business quality, financial safety, valuation, growth durability, momentum), re-ranked daily against sector peers.
Latest News
Kaplan Fox Alerts Investors of UWM Holdings Corporation (UWMC) to an Upcoming Deadline of October 13, 2026 in the Securities Class Action
UWMC INVESTOR ALERT: UWM Holdings Corporation Investors with $150K+ Losses Have Opportunity to Lead UWM Class Action Lawsuit
Bronstein, Gewirtz & Grossman LLC Urges UWM Holdings Corporation Investors to Act: Class Action Filed Alleging Investor Harm
UWMC Shareholder Alert: UWM Holdings Corporation Securities Class Action Lawsuit - Investors Should Contact Levi & Korsinsky
Common Questions About UWMC
What does the AI Score mean for UWMC?
UWMC holds an AI Score of 26/100 (Grade: F). This is an educational research signal, not a buy or sell recommendation. The number comes from the five-pillar engine (business quality, financial safety, valuation, growth durability, momentum), re-ranked daily against sector peers.
Is UWMC a good stock?
Stock Expert AI does not rate UWMC buy, sell or hold. UWM Holdings Corporation carries a MoonshotScore of 26/100 on the five-pillar engine, a research rating against its peers. Whether it fits is your call: check what it sells, whether it earns, what the price assumes, and what would prove you wrong.
What are the key factors to evaluate for UWMC?
UWM Holdings Corporation (UWMC) holds an AI score of 26/100 (low). P/E: 9.02x vs the S&P 500's ~20-25x. Analysts target $2.90 (+116%). Not financial advice.
How frequently does UWMC data refresh on this page?
UWMC's price was last updated on Sep 10, 2026 and refreshes on page view during U.S. market hours; the quote is a provider snapshot, not an exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven UWMC's recent stock price performance?
UWM Holdings Corporation (UWMC) moves on earnings results, analyst revisions, sector rotation, and market sentiment. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider UWMC overvalued or undervalued right now?
UWM Holdings Corporation (UWMC) trades at 9.02x earnings. Analysts target $2.90 (+116%) — upside seen. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
Can I buy fractional shares of UWMC?
Yes, most major brokerages offer fractional shares of UWM Holdings Corporation (UWMC) with no minimum purchase requirement. This means you can invest any dollar amount regardless of the share price. Check your brokerage platform for specific terms, fees, and fractional share availability.
How can I track UWMC's earnings and financial reports?
UWM Holdings Corporation (UWMC) reports quarterly earnings approximately 4-6 weeks after each fiscal quarter ends. You can track earnings dates, revenue and EPS estimates, and actual results on this page's Financials tab. Earnings surprises (beats or misses) often cause significant short-term price moves. Your brokerage can send alerts for UWMC earnings announcements.
What should investors new to UWMC understand first?
UWM Holdings Corporation (UWMC) is worth researching across volatility, fundamentals, and industry context. Its current AI score is 26/100. With a market cap of $2.03B, it is a larger company which tends to be less volatile. The P/E ratio is 9.02x (value-oriented valuation). Start with the Company Overview and MoonshotScore tabs for a structured introduction.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.