UWMC
Financial Services · Mortgage Finance
Performance
UWMC (UWMC) Stock Analysis 2026
Rule-based · Updated daily · Not financial advice
UWMC (UWMC) operates in the Mortgage Finance space within the Financial Services sector. With a market cap of $3.8B, it qualifies as a small-cap company. Growth is moderate and the business remains profitable, offering a balanced risk/reward profile compared to high-multiple peers.
- Low P/E of 7.8× suggests the stock may be undervalued relative to earnings
- Forward P/E (4.6×) is lower than trailing P/E (7.8×) — analysts expect earnings to improve
- Revenue grew 24% year-over-year — exceptional top-line expansion
- ROE of 40.9% shows management efficiently converts equity into profit
- Dividend yield of 17.02% provides consistent income on top of price appreciation
- Price is near its 52-week low — potential entry point with asymmetric upside
- Thin profit margin of 1.8% — little buffer against cost increases
- High debt-to-equity of 1033.13× increases financial risk, especially with elevated interest rates
- High beta of 1.77 — this stock is significantly more volatile than the broader market
Verdict
Strong Buy
Multiple fundamental strengths with few red flags. Long-term buyers may find this compelling.
AI Insight
Powered by ClaudeAI-generated analysis for informational purposes only. Not financial advice.
Related Articles
Revenue & Results
Dividends
Current DY
17.02%
5Y Avg Annual
$0.3400
Last Payment
$0.1000
Ex-Date
03/19/2026
Annual dividends paid per share
| Ex-Date | Payment | Amount | Est. DY |
|---|---|---|---|
Latest03/19/2026 | 04/09/2026 | $0.1000 | 16.99% |
12/18/2025 | 01/08/2026 | $0.1000 | 16.99% |
09/18/2025 | 10/09/2025 | $0.1000 | 16.99% |
06/18/2025 | 07/09/2025 | $0.1000 | 16.99% |
03/20/2025 | 04/10/2025 | $0.1000 | 16.99% |
12/19/2024 | 01/09/2025 | $0.1000 | 16.99% |
09/19/2024 | 10/10/2024 | $0.1000 | 16.99% |
06/20/2024 | 07/11/2024 | $0.1000 | 16.99% |
Magic Number
Shares needed to self-fund your next purchase
$2.36
Price
$0.1000
Last div. (quarterly)
24
shares
Own 24 UWMC shares ($56.52) and each quarterly dividend pays for 1 new share — the snowball runs on its own.
Investment target
$56.52
New shares / year
+4 shares
If You Had Invested…
Hypothetical return based on historical prices
* Dividend reinvestment calculated at ex-date price. For informational purposes only.
Earnings
Next Earnings
Aug 6, 2026
51
days
EPS (TTM)
$0.30
P/E (TTM)
7.8
Fwd P/E
4.6
Earnings History
SEC EDGAR · official filings
SEC Filings
Official EDGAR documents
Key Statistics
Valuation
Trading
Dividends
Profitability
Balance Sheet
Fair Value Estimates
Current price: $2.35
Graham Number
√(22.5 × EPS × Book Value)
$2.23
Benjamin Graham's intrinsic value formula. Assumes a fair stock trades at no more than 22.5× the product of EPS and book value per share.
Bazin Ceiling Price
Avg. Annual DPS (5Y) ÷ 6%
$6.67
Décio Bazin's dividend-based ceiling. The max price you should pay so that dividends alone deliver at least 6% annual yield on your cost basis.
These are simplified estimates. Not financial advice.
Buy & Hold Checklist
Quality criteria for long-term holding
8/10
89% score
Pays dividends
5Y hist.5+ years of dividend history
Dividend consistency (5Y+)
5 yrsUninterrupted dividend payments for at least 5 years
ROE above 10%
40.9%Return on equity — measures how efficiently capital is used
Positive profit margin
1.8%Net profit margin must be positive — company earns more than it spends
Revenue growth (annual)
+24.4%Annual revenue must be growing compared to the prior year
Earnings growth (annual)
Annual earnings must be growing compared to the prior year
Debt/Equity below 2×
1033.13×Low financial leverage reduces risk of distress
Current ratio above 1
1.79×Short-term assets must cover short-term liabilities
Daily liquidity above $5M
$42M/dayHigh trading volume ensures easy entry and exit
Dividend yield above 0%
17.02%Stock must distribute income to shareholders
Related Assets
Financial Services
About UWMC
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. The company was founded in 1986 and is headquartered in Pontiac, Michigan.
Sector
Financial Services
Industry
Mortgage Finance
Location
Pontiac, United States
Employees
9,100