UWMC
UWM Holdings Corporation
NYSEUSDEQUITY
Financial Services
DELAYED
Sell
-41/100
Last price
1.19
▼ 0.10 (7.64%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
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Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
—
H —
L —
Range —
Vol —
vs
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Open
1.29
Prev close
1.29
Day high
1.32
Day low
1.16
Volume
13.75M
Market cap
$1.93B
P/E (TTM)
—
52W range
0.93 – 6.15
Day trading desk
Gap from prior close
+0.00%
Prior close 1.29
VWAP
1.20
-0.84% from price
Relative volume
1.75×
Unusually busy
Session range
13.79%
1.16 – 1.32
Position in range
20%
Near session low
ATR (14D)
0.09
7.51% of price
Prior day high
1.31
PDH
Prior day low
1.16
PDL
Bid / ask spread
—
Quote not published
Session volume
28.89M
Avg 16.50M
VWAP and the session figures are computed from the delayed intraday series on this page, so they lag the live tape and will not match a broker's real-time VWAP exactly. Turn on Prior day H/L/C, Opening range and Volume profile in the chart's Studies menu to see these levels drawn on price.
Trailing performance
Returnvs SPY
1W
-3.23%
-5.2%
1M
-18.37%
-19.5%
3M
-40.89%
-45.4%
6M
-66.85%
-85.0%
YTD
-72.60%
-86.9%
1Y
-79.93%
-96.4%
3Y
-75.26%
-157.5%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on UWMC open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
-6.10M
Net selling
Buy transactions
8
17.85M shares
Sell transactions
10
23.95M shares
Net transactions
+18
Buys less sells
Sell : buy shares
1.3 : 1
Mixed
Insider-held shares
20.69M
Total on file
Fundamentals
Market cap$1.93B
Enterprise value$16.62B
Revenue (TTM)$2.93B
Gross profit$2.93B
EBITDA$528.85M
Net income$-37.14M
EPS (TTM)$-0.11
Free cash flow$-207.53M
Total cash$538.33M
Total debt$15.89B
Book value / share$0.39
Shares outstanding345.10M
Float269.37M
Short % of float24.79%
Dividend yield0.00%
Beta (5Y)1.87
Valuation & profitability ratios
Trailing P/E—
Forward P/E3.48
PEG ratio—
Price / sales—
Price / book3.07
EV / revenue5.68
EV / EBITDA31.42
Gross margin100.00%
Operating margin-111.04%
Profit margin-1.27%
Return on equity-7.68%
Return on assets1.85%
Debt / equity1,613.18
Current ratio1.78
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $1.55B | $1.42B | $793.69M | $1.84B | +9.8% |
| Operating revenue | $1.55B | $1.42B | $793.69M | $1.84B | +9.8% |
| Selling, general & admin | $1.22B | $995.78M | $785.17M | $806.60M | +22.7% |
| Pre-tax income | $250.90M | $335.96M | -$76.29M | $934.67M | -25.3% |
| Tax provision | $6.87M | $6.58M | -$6.51M | $2.81M | +4.4% |
| Net income | $27.38M | $14.40M | -$13.23M | $41.72M | +90.1% |
| Net income to common | $27.38M | $14.40M | -$13.23M | $41.72M | +90.1% |
| Basic EPS | 0.13 | 0.13 | -0.14 | 0.45 | 0.0% |
| Diluted EPS | 0.12 | 0.13 | -0.14 | 0.45 | -7.7% |
| Basic shares | 211.41M | 111.37M | 93.25M | 92.48M | +89.8% |
| Diluted shares | 1.60B | 111.37M | 93.25M | 92.48M | +1,335.9% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $503.36M | $507.34M | $497.47M | $704.90M | -0.8% |
| Accounts receivable | $526.69M | $417.95M | $512.07M | $383.15M | +26.0% |
| Property, plant & equipment | $295.75M | $263.12M | $274.65M | $298.88M | +12.4% |
| Goodwill & intangibles | $4.07B | $3.97B | $4.03B | $4.45B | +2.6% |
| Total assets | $16.93B | $15.67B | $11.87B | $13.60B | +8.0% |
| Current debt | $1.20B | $500.00M | $750.00M | $750.00M | +140.0% |
| Long-term debt | $3.07B | $2.88B | $2.08B | $2.09B | +6.7% |
| Total debt | $4.39B | $3.50B | $2.97B | $2.99B | +25.5% |
| Total liabilities | $15.34B | $13.62B | $9.40B | $10.43B | +12.6% |
| Retained earnings | $189.45M | $157.84M | $110.69M | $142.50M | +20.0% |
| Shareholder equity | $199.52M | $161.52M | $112.55M | $143.56M | +23.5% |
| Net tangible assets | -$3.87B | -$3.81B | -$3.91B | -$4.31B | -1.7% |
| Shares issued | 268.42M | 157.94M | 93.65M | 92.58M | +69.9% |
| Line item | 2025 | 2024 | 2023 | 2022 | 2021 | YoY |
|---|---|---|---|---|---|---|
| Net income | $244.02M | $329.38M | -$69.78M | $931.86M | — | -25.9% |
| Depreciation & amortisation | $55.51M | $48.78M | $50.06M | $49.40M | — | +13.8% |
| Stock-based compensation | $50.36M | $24.58M | $13.83M | $7.54M | — | +104.9% |
| Change in working capital | -$433.20M | -$4.05B | $1.54B | $9.70B | — | +89.3% |
| Operating cash flow | -$2.65B | -$6.24B | $165.24M | $8.27B | — | +57.6% |
| Capital expenditure | -$74.05M | -$39.45M | -$26.43M | -$26.61M | — | -87.7% |
| Investing cash flow | $2.26B | $2.68B | $1.83B | $1.29B | — | -15.6% |
| Share buybacks | — | — | $0 | $0 | -$81.63M | — |
| Dividends paid | -$78.60M | -$39.73M | -$37.24M | -$36.94M | — | -97.8% |
| Financing cash flow | $384.02M | $3.58B | -$2.20B | -$9.58B | — | -89.3% |
| Free cash flow | -$2.72B | -$6.28B | $138.81M | $8.24B | — | +56.7% |
| End cash position | $503.36M | $507.34M | $497.47M | $704.90M | — | -0.8% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | -$112.05M | $504.50M | $522.41M | $338.60M | $651.10M | -122.2% |
| Operating revenue | -$112.05M | $504.50M | $522.41M | $338.60M | $651.10M | -122.2% |
| Selling, general & admin | $338.38M | $314.47M | $332.07M | $308.41M | $297.84M | +7.6% |
| Pre-tax income | -$472.92M | $177.50M | $169.62M | $12.67M | $329.42M | -366.4% |
| Tax provision | -$21.02M | $7.13M | $5.14M | $582.00K | $14.94M | -395.0% |
| Net income | -$80.59M | $25.30M | $19.41M | -$1.26M | $22.91M | -418.5% |
| Net income to common | -$80.59M | $25.30M | $19.41M | -$1.26M | $22.91M | -418.5% |
| Basic EPS | -0.24 | 0.09 | 0.08 | -0.01 | 0.11 | -366.7% |
| Diluted EPS | -0.24 | 0.09 | 0.08 | -0.01 | 0.11 | -366.7% |
| Basic shares | 337.53M | 292.12M | 256.91M | 221.35M | 202.13M | +15.5% |
| Diluted shares | 337.53M | 1.60B | 256.91M | 221.35M | 202.13M | -78.9% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $477.41M | $424.00M | $503.36M | $870.70M | $489.98M | +12.6% |
| Accounts receivable | $531.79M | $1.27B | $526.69M | $548.09M | $719.37M | -58.2% |
| Property, plant & equipment | $285.61M | $293.82M | $295.75M | $282.16M | $279.27M | -2.8% |
| Goodwill & intangibles | $5.31B | $4.59B | $4.07B | $3.31B | $3.45B | +15.7% |
| Total assets | $17.94B | $19.27B | $16.93B | $17.02B | $13.89B | -6.9% |
| Current debt | $2.95B | $2.00B | $1.20B | $799.73M | $1.22B | +47.5% |
| Long-term debt | $3.07B | $3.07B | $3.07B | $3.07B | $2.08B | -0.1% |
| Total debt | $6.14B | $5.19B | $4.39B | $3.99B | $3.42B | +18.2% |
| Total liabilities | $16.96B | $17.67B | $15.34B | $15.44B | $12.14B | -4.0% |
| Retained earnings | $118.65M | $216.77M | $189.45M | $169.94M | $170.32M | -45.3% |
| Shareholder equity | $133.84M | $229.52M | $199.52M | $177.67M | $176.17M | -41.7% |
| Net tangible assets | -$5.18B | -$4.36B | -$3.87B | -$3.13B | -$3.27B | -18.7% |
| Shares issued | 342.25M | 312.88M | 268.42M | 234.29M | 205.98M | +9.4% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Net income | -$451.90M | $170.37M | $164.48M | $12.09M | $314.48M | -365.2% |
| Depreciation & amortisation | $14.22M | $15.62M | $15.21M | $14.14M | $13.53M | -9.0% |
| Stock-based compensation | $12.49M | $13.16M | $15.59M | $14.73M | $11.73M | -5.1% |
| Change in working capital | $1.68B | -$1.34B | $834.52M | -$2.60B | $176.15M | +225.0% |
| Operating cash flow | $344.04M | -$2.23B | $103.76M | -$3.08B | -$265.88M | +115.4% |
| Capital expenditure | -$9.46M | -$19.06M | -$21.74M | -$10.36M | -$24.19M | +50.4% |
| Investing cash flow | $249.81M | $524.28M | $160.27M | $542.96M | $627.94M | -52.4% |
| Dividends paid | -$33.02M | -$26.84M | -$23.43M | -$20.60M | -$18.77M | -23.0% |
| Financing cash flow | -$519.44M | $1.63B | -$631.36M | $2.92B | -$357.11M | -131.9% |
| Free cash flow | $334.57M | -$2.25B | $82.02M | -$3.09B | -$290.07M | +114.9% |
| End cash position | $498.41M | $424.00M | $503.36M | $870.70M | $489.98M | +17.5% |
Options analytics
Put / call volume
0.25
Call-heavy session
Put / call open interest
16.01
Positioning, not flow
Max pain
1.50
+25.0% from spot
ATM implied vol
0.0%
Nearest strike to spot
Skew (10% OTM)
0.0%
Calls bid over puts
Call volume
8
Contracts, this expiry
Put volume
2
Contracts, this expiry
Heaviest call OI
1.50
111 contracts
Heaviest put OI
1.50
1.90K contracts
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 0.08 | -1.09 | -1,421.1% |
| Mar 2026 | 0.06 | 0.09 | +33.9% |
| Dec 2025 | 0.09 | 0.08 | -9.4% |
| Sep 2025 | 0.07 | 0.01 | -86.1% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 0.05 | 4 | $677.68M | +20.3% |
| Next quarter | 0.04 | 4 | $656.89M | -13.5% |
| Current year | 0.16 | 3 | $2.31B | -4.0% |
| Next year | 0.34 | 6 | $3.00B | +30.0% |
Analyst targets & ownership
Mean target$2.21
High target$3.00
Low target$1.40
Implied upside85.17%
Analyst count8
ConsensusBUY
Strong buy / Buy3 / 2
Hold5
Sell / Strong sell0 / 0
Held by insiders6.04%
Held by institutions85.99%
Institutions holding361
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
1.23
-2.97% from price
SMA 20
1.26
-4.80% from price
SMA 50
1.44
-16.41% from price
SMA 100
1.91
-37.77% from price
SMA 200
3.11
-61.47% from price
EMA 12
1.25
-4.32% from price
EMA 26
1.31
-9.08% from price
EMA 50
1.49
-19.98% from price
RSI (14)
38.7
Neutral
MACD (12,26,9)
-0.07
Hist 0.01
ATR (14)
0.09
7.46% of price
Realised vol 30D
51.8%
Annualised
Bollinger upper
1.36
20, 2σ
Bollinger lower
1.16
20, 2σ
50 / 200 cross
Death
1.44 vs 3.11
Trend bias
Below 200
-61.47%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
1.40
More volatile than market
Correlation to SPY
0.27
Largely independent
Realised vol 30D
51.8%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-80.7%
Peak to trough
Max drawdown 5Y
-87.6%
Peak to trough
ATR 14
0.09
7.46% of price
Beta (reported)
1.87
5Y monthly, from filing
Short interest
Shares short
83.97M
Prior 94.84M
Change vs prior
-11.5%
Shorts covering
% of float
24.79%
Heavily shorted
% of shares out
24.36%
Against total outstanding
Days to cover
7.4
Crowded exit
Float
269.37M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Aug 10, 26 | Barclays | MAINTAINED | Overweight | Overweight |
| Aug 10, 26 | Keefe, Bruyette & Woods | MAINTAINED | Outperform | Outperform |
| Aug 7, 26 | Stephens & Co. | MAINTAINED | Equal-Weight | Equal-Weight |
| Aug 7, 26 | BTIG | MAINTAINED | Buy | Buy |
| Jul 29, 26 | Citizens | UPGRADE | Market Perform | Market Outperform |
| Jul 20, 26 | Morgan Stanley | MAINTAINED | Equal-Weight | Equal-Weight |
| Jul 7, 26 | Barclays | MAINTAINED | Overweight | Overweight |
| Jun 25, 26 | Keefe, Bruyette & Woods | UPGRADE | Market Perform | Outperform |
| Jun 24, 26 | BTIG | MAINTAINED | Buy | Buy |
| Jun 16, 26 | BTIG | MAINTAINED | Buy | Buy |
| May 8, 26 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
| Apr 24, 26 | Stephens & Co. | INITIATED | — | Equal-Weight |
Dividends & splits
Forward rate$0.00 / yr
Forward yield0.00%
5-year avg yield6.46%
Payout ratio148.15%
Ex-dividend dateJun 18, 2026
Next pay dateJul 9, 2026
Last split—
Split date—
SEC filings
Corporate Changes & Voting Matters
8-K · 2026-10-05
Corporate Changes & Voting Matters
8-K · 2026-10-01
Proxy Statements
DEF 14C · 2026-09-14
Proxy Statements
PRE 14C · 2026-09-02
Periodic Financial Reports
10-Q · 2026-08-07
Corporate Changes & Voting Matters
8-K · 2026-08-06
Offering Registrations
S-3ASR · 2026-08-05
Proxy Statements
DFAN14A · 2026-06-22
Headlines
UWM to Automatically Use Best Qualifying Credit Score for Borrowers
MT Newswires · 12h ago
UWM Eliminates Credit Score Guesswork, Defaults to Best Score for Every Borrower
Business Wire · 13h ago
3 Mortgage Stocks Retail Investors Are Watching As Treasury Yields Top 5.3%
Simply Wall St. · 4d ago
What Do The UWM Holdings (UWMC) Lawsuits Mean For Investors?
Simply Wall St. · 13d ago
UWM Holdings (UWMC) Stock Looks Fully Priced As Shares Fell 79%
Simply Wall St. · 13d ago
UWM Holdings Corporation Announces Terms of Previously Announced Rights Offering for 200 million shares of Class A Common Stock
Business Wire · 14d ago
Rocket Shares Touch 52-Week Low: Is it Time to Sell the Stock Now?
Zacks · 15d ago
Time to Build Better Corporate Governance at BETR
Exec Edge · 19d ago
PRIVATE STRATEGY · BY QUALIFICATION
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