United Wholesale Mortgage (UWMC)
Financials · Mortgage Lending · NYSE
A leading wholesale mortgage lender in the United States that partners exclusively with independent mortgage brokers to facilitate home financing.
What United Wholesale Mortgage does
UWM Holdings Corporation is a mortgage lender that primarily originates, sells, and services residential mortgage loans through the wholesale channel. The company works exclusively with independent mortgage brokers, providing them with the technology and support to process mortgage applications. Its revenue is derived from loan production income, loan servicing fees, and net interest income.
Themes: mortgage originations, mortgage servicing, wholesale lending, housing market, financial services technology
Fundamentals
- Price$1.11 as of 2026-10-21 close
- Market cap$1.8B as of 2026-08-04 (share count; price 2026-10-21)
- 1-year return-80.4% 2025-10-21 close $5.66 → 2026-10-21 close $1.11
- P/En/a negative earnings
- Net margin+0.9% FY2025, SEC XBRL
- ROE+1.7% FY2025, SEC XBRL
- ROICn/a No figure: it is a bank or insurer, whose operating income and debt are not what ROIC divides.
- Debt / equity3.03 borrowings, leases excluded / equity — 10-Q/10-K balance sheet 2026-06-30
- Revenue growth (YoY)+18.2% FY2025, SEC XBRL
- Revenue CAGR (3y)+10.0% SEC XBRL
- Beta1.03 as of 2026-09-02
- Last reported earnings2026-08-06 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield n/a — an indicated yield this high is not a forward yield — a stale or one-off dividend over the current price; pays a dividend.
How UWMC compares in its sector
- net profit marginbottom 25% 343 covered Financials peers, as of 2026-09-02
- return on equitybottom 25% 558 covered Financials peers, as of 2026-09-02
- 3-year revenue CAGRmiddle range 347 covered Financials peers
- free cash flow (absolute dollars, latest fiscal year)bottom 10% 430 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Top 10 scores & list membership
UWMC is not currently in any published Top 10 list. Its scores are below.
Top 10 score
29.0 #1361 of 1,389 scored · #222 of 223 in Financials
Growth 73rd (revenue growth year over year 27.6%, 3-year revenue CAGR 10%) and valuation 42nd (price to earnings 9.3, price to book 35.4); weakest is financial health (2nd, debt to equity 70.2, free cash flow margin -86.1%). Scored on 5 of 6 pillars — it pays a dividend, but its filings carry no per-share series to count increases from; its share count moved more than tenfold between FY2024 and FY2025, which is more often a split or a change of units than a buyback.
Scores as of 2 Oct 2026. Each bar is a percentile: how this company ranked against every company the score ranked, 0–100. A list is a published formula and its output, not a recommendation. Method version 4. UWMC was not in the scored universe at the latest run on 21 Oct 2026, so these scores are its last ones.
Dividend coverage (FY2025)
Exceeded at least one reported measure. In FY2025, UWMC's dividend exceeded at least one reported measure of what it earned or generated (earnings payout 287%). A payout above 100% in one year is not necessarily unsustainable, but it is not fully covered by that measure.
- Earnings payout287% dividends / net income
- Free-cash-flow payoutnot assessable free cash flow was not positive that year
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
Quarterly results
| Quarter | Revenue | Net income | Diluted EPS | Operating cash flow | Capex |
|---|---|---|---|---|---|
| Q2 FY2026 2026-06-30 | $888M | -$81M | -$0.24 | $344M† | $9M† |
| Q1 FY2026 2026-03-31 | $901M | $25M | $0.09 | -$2.2B | $19M |
| Q4 FY2025 2025-12-31 | $945M† | $19M† | $0.08† | $104M† | $22M† |
| Q3 FY2025 2025-09-30 | $843M | -$1M | -$0.01 | -$3.1B† | $10M† |
| Q2 FY2025 2025-06-30 | $759M | $23M | $0.11 | -$266M† | $24M† |
| Q1 FY2025 2025-03-31 | $613M | -$14M | -$0.12 | $594M | $18M |
| Q4 FY2024 2024-12-31 | $721M† | $9M† | $0.07† | -$543M† | $8M† |
| Q3 FY2024 2024-09-30 | $746M | -$6M | -$0.06 | -$2.2B† | $12M† |
† Not filed as a discrete quarter: derived from the company's own year-to-date figures (for example the fourth quarter as the fiscal year minus the first nine months). A derived per-share figure is approximate, because the share count moves within the year.
Balance sheet at 2026-06-30
- Cash and equivalents$498M
- Total debt$3.0B borrowings only; leases excluded
- Net debt$2.5B total debt − cash − short-term investments
From the company's own SEC 10-Q and 10-K filings (XBRL), re-read every week. Figures in US dollars as filed; informational only — not financial advice.
How United Wholesale Mortgage looks technically
United Wholesale Mortgage (UWMC) is trading 62.4% below its 200-day average, the long-term trend line — a long-term downtrend. Its 50-day average crossed below its 200-day average about 165 trading days ago — a "death cross", a bearish long-term signal. A strong uptrend is in place — ADX, a 0–100 trend-strength gauge, is 30, with buyers in control. Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 43, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bullish about 3 trading days ago (its momentum flipped positive). It made a new 20-day low about 6 trading days ago. It is 82.0% below its highest point of the past year.
Trend
7
| Distance from the 200-day | it is trading 62.4% below its 200-day average, the long-term trend line — a long-term downtrend | -62.4% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $1.30 | $1.30 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $2.95 | $2.95 |
| Swing structure | its recent peaks and dips disagree — one of them is rising while the other is not, so there is no clean up or down pattern in the swings | mixed — one of the two is not confirming |
| Last swing turn | its last significant turn was a swing low 50 calendar days ago — the swings before that are what the structure reading is measured on | 50 sessions |
| Since the 50/200 cross | its 50-day average crossed below its 200-day average about 165 trading days ago — a "death cross", a bearish long-term signal | 165 sessions |
| Trend strength (14-day ADX) | a strong uptrend is in place — ADX, a 0–100 trend-strength gauge, is 30, with buyers in control | 29.5 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 43, neither overbought (above 70) nor oversold (below 30) | 43.5 |
|---|---|---|
| Position in its 14-day range | it is trading in the lower half of its 14-day range ($0.9896 to $1.33) — its "stochastic" reading is 35 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 35.4 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bullish about 3 trading days ago (its momentum flipped positive) | 3 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $6.15 | $6.15 |
|---|---|---|
| From the 52-week high | it is 82.0% below its 52-week high (its highest price of the past year) | -82.0% |
| Above the 52-week low | it is 19.4% above its 52-week low (its lowest price of the past year) | +19.4% |
| Below the 52-week high | it is 82.0% below its highest point of the past year | 82.0% |
| Since a 20-day breakout | it made a new 20-day low about 6 trading days ago | 6 sessions |
| Since a 55-day breakout | it made a new 55-day low about 6 trading days ago | 6 sessions |
| All-time high | its highest closing price on record is $12.45 (set on 2021-03-03) | $12.45 |
| Given back of the 52-week move | over the past year its closes ranged ($1.01 to $6.10), and it has recovered essentially none of its fall from last year’s high — 2% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $4.16 to $4.32. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 2.0% |
| From the all-time high | it is 91.1% below its all-time high | -91.1% |
| Nearest price level | it is trading 21.7% below a resistance level at $1.35 — a price it turned at twice since 2026-08-24, most recently on 2026-09-01. Since 2024-10-21 it has 0 such levels below the current price and 10 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | +21.7% |
| All-time low | its lowest closing price on record is $0.93 (set on 2026-08-06) | $0.93 |
| Above the all-time low | it is 19.4% above its all-time low | +19.4% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are about average versus its own recent 6-month history | 64th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.093 between its high and its low — about 8.4% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.093 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $0.97 and $1.32 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $0.97 – $1.14 – $1.32 |
| Typical daily range (% of price) | its price moves about 8.4% in a typical session — among the most volatile in the catalog. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 8.4% |
| Stretch from the 200-day average | it is trading 19.8 daily ranges below its 200-day average price (62.4% below it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 19.8 daily ranges below its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 0.82× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating is unchanged since the prior reading | unchanged |
Candlestick patterns
1
| Since a bearish engulfing | 5 sessions ago it opened above the previous session's close and finished below that session's open — a "bearish engulfing" pair, where one down day more than undid the up day before it | 5 sessions ago |
|---|
Price gaps
3
| Gap at the open | it opened on 2026-10-21 at essentially the same price it closed at the session before — no meaningful overnight gap | 0.0% |
|---|---|---|
| Open gap | it gapped 38.0% below the previous close 53 sessions ago and has not traded back through the level it left behind at 1.84 — an "unfilled gap", which describes a price range no trade has since crossed and is not a forecast that it will be crossed | -38.0% |
| Gap filled | a 3.3% gap down opened on 2026-10-07 has been "filled" 10 sessions ago — price traded back through the level the gap left behind, and it closed again during the very session that opened it | 10 sessions ago |
Price streaks
1
| Closing streak | it has closed higher 3 sessions in a row, a +5.71% move over the run — an unbroken run of up days, which describes what has already happened and says nothing about the next session | 3 sessions up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 11.9 percentage points (the stock lost 11.9% while the market lost 0.1%) | -11.8% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock lagged the market by 44.9 percentage points (the stock lost 41.6% while the market gained 3.3%) | -44.9% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 80.1 percentage points (the stock lost 70.3% while the market gained 9.8%) | -80.1% |
| vs market, 12 months | over the past 12 months this stock lagged the market by 95.6 percentage points (the stock lost 80.4% while the market gained 15.2%) | -95.5% |
Signal agreement
2
| Bullish technical signals | 2 of the 9 technical signals we can compute for it are currently in a bullish state: MACD momentum is positive, a strong uptrend, with buyers in control — these describe past price behaviour, not a forecast | 2 of 9 |
|---|---|---|
| Bearish technical signals | 4 of the 9 technical signals we can compute for it are currently in a bearish state: a "death cross" — its 50-day average is below its 200-day, trading below its 200-day average, lagging the market over 6 months, trading below the Ichimoku cloud — these describe past price behaviour, not a forecast | 4 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 23% below the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-15 and projected forward over today's price, the side traders read as an established downtrend, with the band above acting as the level that would have to be cleared. The band itself is thick, spanning 15.1% of the share price, which is taken to mean a barrier that has held for a while and takes effort to cross. | -22.8% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 63% below the average price paid so far this year, so the typical buyer over that stretch is under water. That average is $2.98 — a volume-weighted average of daily closes over 199 sessions, not a true tick-by-tick VWAP. | -62.7% |
|---|---|---|
| Vs the average paid since it last reported | the price is 15% below the average price paid since it last reported on 2026-08-06 (its 8-K), so the typical buyer over that stretch is under water. That average is $1.31 — a volume-weighted average of daily closes over 54 sessions, not a true tick-by-tick VWAP. | -15.1% |
Price levels it has turned at before
UWMC last closed at $1.11 on 2026-10-21. Since 2024-10-21 it has turned at 0 prices below its last close and 10 above; the 3 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $1.35 | Resistance | 21.7% above the last close | turned there twice · 2026-08-24 to 2026-09-01 |
| $3.79 | Resistance | 241.4% above the last close | turned there twice · 2025-06-18 to 2026-02-25 |
| $4.01 | Resistance | 260.9% above the last close | turned there 7 times · 2025-05-13 to 2026-05-06 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
No Elliott-wave labelling currently fits its swings: the recent highs and lows do not satisfy the three rules a five-wave count has to obey, so there is no count to show rather than a count we are unsure about.
Read from daily closes as of 2026-10-21.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading below the 200-day moving average · Trading below the 50-day moving average · Pulled back from the 12-month high · MACD just crossed bullish (12/26/9) · in a strong, established uptrend (ADX) · lagging the market | Learn: moving average · golden cross · adx · rsi · macd · breakout · fifty two week high low
Based on daily closing prices as of 2026-10-21. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingHold (2.60 mean, 1=Strong Buy…5=Strong Sell) — 7 analysts
- Mean price target$1.84 range $1.40 – $3.00; median $1.50
Analyst estimates, as of 2026-10-21. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for UWMC
- Consensus EPS estimate$0.03335 next reporting period, as of 2026-10-21
- Estimate change, 30 days-$0.02379 from $0.05714, on 2026-09-16, 35-day window
- Readings revised upward10% of 10 comparable readings
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Highly sensitive to mortgage interest rate fluctuations which impact loan demand and fair value of mortgage servicing rights.","Subject to significant regulatory oversight and credit risks associated with loan originations.","High volatility in fair value gains and losses on derivative assets and liabilities used to hedge interest rate risk."]
What changed in the latest 10-Q
AI-assisted comparison of UWMC's 10-Q filed 2026-05-11 against the prior one filed 2025-11-06.
Risk Factors
The two filings could not be meaningfully compared for this section.
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
No open-market insider purchases or sales recorded in the last 90 days, of which we have read Form 4 filings through 2026-10-18. The 4 days since 2026-10-18 have not been checked yet.
- Last 180 days · read to 2026-10-180 buys · 10 sells ($35M) — 1 selling insider
Most recent open-market transaction: 2026-05-08. Based on Form 4 filings read through 2026-10-18; anything filed since is not yet included.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about UWMC's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
5 institutional 13F filers reported holding UWMC as of 2026-06-30 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 73,043,291
- Reported value $167,651,381
reported quarterly holdings change (2026-03-31 → 2026-06-30): 0 new, 5 increased, 0 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Ask about UWMC's institutional holders → See what each manager we track holds →
Short interest (FINRA)
UWMC had 98,503,237 shares of reported short interest as of the 2026-09-30 FINRA settlement date (delayed, bi-monthly; not real-time).
Short interest as a percent of shares outstanding is not shown for UWMC because we do not hold a verified share count to divide it by. The reported figures above are unaffected.
- Reported short interest (shares) 98,503,237
- Prior settlement (shares) 83,965,936
- Reported change 17.31%
- Days to cover (reported) 8.24
Reported to FINRA as of the 2026-09-30 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Rocket Companies (RKT)
- PennyMac Financial Services (PFSI)
- Mr. Cooper Group (COOP)
- loanDepot (LDI)
- Guild Holdings (GHLD)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does United Wholesale Mortgage (UWMC) do?
UWM Holdings Corporation is a mortgage lender that primarily originates, sells, and services residential mortgage loans through the wholesale channel. The company works exclusively with independent mortgage brokers, providing them with the technology and support to process mortgage applications. Its revenue is derived from loan production income, loan servicing fees, and net interest income.
What sector is United Wholesale Mortgage (UWMC) in?
United Wholesale Mortgage (UWMC) is classified in the Financials sector. Its industry is Mortgage Lending. It trades on NYSE.
Does UWMC pay a dividend?
Yes — United Wholesale Mortgage (UWMC) pays a dividend (market data, as of 2026-09-02). Informational only — not financial advice.
Who are United Wholesale Mortgage's (UWMC) competitors?
Notable peers of United Wholesale Mortgage (UWMC) include Rocket Companies, PennyMac Financial Services, Mr. Cooper Group, loanDepot and Guild Holdings. This peer set is informational only — not financial advice.
Is United Wholesale Mortgage (UWMC) overbought or oversold right now?
United Wholesale Mortgage (UWMC) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 43, in the neutral middle (as of 2026-10-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on UWMC come from?
Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-02 for the rest; prices are market data, as of 2026-09-02; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-02 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.