UWM Holdings Corporation (UWMC)Financial Services | Mortgage Finance | Pontiac, United States | NYSE
1.03 USD
+0.01
(0.980%)
⇧
(Oct. 13, 2026, 4 p.m.
EDT)
After hours: 1.04 +0.01 (0.670%) ⇧ (Oct. 13, 2026, 7:58 p.m. EDT) |
Hot Take ↕ | Oct. 10, 2026, 1:23 a.m. EDT
The long-term outlook is dire due to a collapsing business model. Revenue has plummeted by 70%, profitability is nonexistent with negative operating margins, and the company is burning cash aggressively. While the stock trades at a fraction of book value, this is a classic value trap; the market has correctly priced in the inability of the mortgage finance business to generate returns on equity. The dividend, though yielding over 19%, is unsustainable given the negative free cash flow and a payout ratio exceeding 100%; it is likely being funded by debt or capital reserves, not earnings. Short-term, the stock faces headwinds as it trades well below its 50-day moving average, and the statistical forecast models predict further downside, though their reliability is low. The options market is positioning for a volatile bounce or a crash, but the fundamental reality is a deteriorating asset. |
| Model | MAE |
|---|---|
| AutoTheta ✓ | 0.063146 |
| AutoARIMA | 0.074127 |
| AutoETS | 0.076526 |
| MSTL | 0.085583 |
Forecast horizon: 45 days | Selected: AutoTheta
| Forecast Reliability | |
|---|---|
| Score | 29% |
| H-stat | 0.15 |
| Ljung-Box p | 0.007 |
| Jarque-Bera p | 0.000 |
| Excess Kurtosis | 5.42 |
| Attribute | Value |
|---|---|
| Sector | Financial Services |
| Ex Dividend Date | 2026-06-17 |
| Last Dividend Date | 2026-06-17 |
| Debt to Equity Ratio | 1613.18 |
| Revenue per Share | 10.552 |
| Market Cap | 1,655,170,304 |
| Forward P/E | 3.15 |
| Beta | 1.87 |
| Profit Margins | -1.27% |
| Website | https://www.uwm.com |
As of Oct. 10, 2026, 1:23 a.m. EDT: Options activity reveals a distinct 'long gamma' setup where traders are betting on volatility expansion rather than directional moves. Call Open Interest is heavily concentrated at strikes significantly above the current price (1.5, 2.0, 3.0, 5.0), while Put Open Interest is clustered just below the current price (1.0, 1.5). This structure suggests speculators expect the stock to remain range-bound or experience sharp, volatile swings that trigger these strikes, rather than a steady grind higher. The massive volume at the 1.5 strike for both calls and puts indicates a consensus view of a critical resistance/support zone there.
| Last Yield | 1yr Yield | 3yr Avg | 5yr Avg |
|---|---|---|---|
| 4.50% | 9.28% | 7.41% | 7.97% |
| Date | Dividend | Yield % |
|---|---|---|
| 2026-06-18 | 0.1 | 4.504504 |
| 2026-03-19 | 0.1 | 2.710027 |
| 2025-12-18 | 0.1 | 2.061856 |
| 2025-09-18 | 0.1 | 1.522070 |
| 2025-06-18 | 0.1 | 2.518892 |
| 2025-03-20 | 0.1 | 1.689189 |
| 2024-12-19 | 0.1 | 1.769911 |
| 2024-09-19 | 0.1 | 1.175088 |
| 2024-06-20 | 0.1 | 1.432665 |
| 2024-03-19 | 0.1 | 1.481481 |
| 2023-12-19 | 0.1 | 1.366120 |
| 2023-09-19 | 0.1 | 1.937985 |
| 2023-06-20 | 0.1 | 1.769911 |
| 2023-03-09 | 0.1 | 2.178649 |
| 2022-12-08 | 0.1 | 2.169197 |
| 2022-09-19 | 0.1 | 2.710027 |
| 2022-06-17 | 0.1 | 3.105590 |
| 2022-03-11 | 0.1 | 2.288330 |
| 2021-12-09 | 0.1 | 1.453488 |
| 2021-09-09 | 0.1 | 1.406470 |
| 2021-06-09 | 0.1 | 1.004016 |
| 2021-03-09 | 0.1 | 1.152074 |
| Attribute | Value |
|---|---|
| 52 Week Change | -0.8082707 |
| Address1 | 585 South Boulevard East |
| All Time High | 14.38 |
| All Time Low | 0.93 |
| Ask | 0.0 |
| Ask Size | 12,300 |
| Audit Risk | 2 |
| Average Analyst Rating | 2.6 - Hold |
| Average Daily Volume10 Day | 12,336,460 |
| Average Daily Volume3 Month | 16,184,730 |
| Average Volume | 16,184,730 |
| Average Volume10Days | 12,336,460 |
| Beta | 1.867 |
| Bid | 0.0 |
| Bid Size | 19,800 |
| Board Risk | 10 |
| Book Value | 0.391 |
| City | Pontiac |
| Compensation As Of Epoch Date | 1,767,139,200 |
| Compensation Risk | 8 |
| Country | United States |
| Crypto Tradeable | 0 |
| Currency | USD |
| Current Price | 1.03 |
| Current Ratio | 1.783 |
| Custom Price Alert Confidence | HIGH |
| Date Short Interest | 1,790,726,400 |
| Day High | 1.065 |
| Day Low | 1.01 |
| Debt To Equity | 1,613.18 |
| Display Name | UWM |
| Dividend Date | 1,783,555,200 |
| Dividend Yield | 0.0 |
| Earnings Call Timestamp End | 1,786,026,600 |
| Earnings Call Timestamp Start | 1,786,026,600 |
| Earnings Timestamp | 1,786,019,400 |
| Earnings Timestamp End | 1,793,908,800 |
| Earnings Timestamp Start | 1,793,908,800 |
| Ebitda | 528,854,016 |
| Ebitda Margins | 0.18076 |
| Enterprise To Ebitda | 31.314 |
| Enterprise To Revenue | 5.66 |
| Enterprise Value | 16,560,549,888 |
| Eps Current Year | 0.13849 |
| Eps Forward | 0.32661 |
| Eps Trailing Twelve Months | -0.11 |
| Esg Populated | 0 |
| Ex Dividend Date | 1,781,740,800 |
| Exchange | NYQ |
| Exchange Data Delayed By | 20 |
| Exchange Timezone Name | America/New_York |
| Exchange Timezone Short Name | EDT |
| Fifty Day Average | 1.3716 |
| Fifty Day Average Change | -0.34160006 |
| Fifty Day Average Change Percent | -0.24905224 |
| Fifty Two Week Change Percent | -80.82707 |
| Fifty Two Week High | 6.15 |
| Fifty Two Week High Change | -5.12 |
| Fifty Two Week High Change Percent | -0.8325203 |
| Fifty Two Week Low | 0.93 |
| Fifty Two Week Low Change | 0.099999964 |
| Fifty Two Week Low Change Percent | 0.10752684 |
| Fifty Two Week Range | 0.93 - 6.15 |
| Financial Currency | USD |
| First Trade Date Milliseconds | 1,588,339,800,000 |
| Five Year Avg Dividend Yield | 6.56 |
| Float Shares | 269,374,513 |
| Forward Eps | 0.32661 |
| Forward P E | 3.153608 |
| Free Cashflow | -207,533,632 |
| Full Exchange Name | NYSE |
| Full Time Employees | 9,100 |
| Fullday Change | 0.00999999 |
| Fullday Change Percent | 0.98039126 |
| Fullday Price | 1.03 |
| Gmt Off Set Milliseconds | -14,400,000 |
| Governance Epoch Date | 1,790,812,800 |
| Gross Margins | 1.0 |
| Gross Profits | 2,925,762,048 |
| Has Pre Post Market Data | 1 |
| Held Percent Insiders | 0.06044 |
| Held Percent Institutions | 0.85958 |
| Implied Shares Outstanding | 1,606,961,481 |
| Industry | Mortgage Finance |
| Industry Disp | Mortgage Finance |
| Industry Key | mortgage-finance |
| Is Earnings Date Estimate | 0 |
| Language | en-US |
| Last Dividend Date | 1,781,740,800 |
| Last Dividend Value | 0.1 |
| Last Fiscal Year End | 1,767,139,200 |
| Long Business Summary | 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. |
| Long Name | UWM Holdings Corporation |
| Market | us_market |
| Market Cap | 1,655,170,304 |
| Market State | PREPRE |
| Max Age | 86,400 |
| Message Board Id | finmb_4542401 |
| Most Recent Quarter | 1,782,777,600 |
| Net Income To Common | -37,143,000 |
| Next Fiscal Year End | 1,798,675,200 |
| Non Diluted Market Cap | 420,476,723 |
| Number Of Analyst Opinions | 7 |
| Open | 1.02 |
| Operating Cashflow | -4,861,421,056 |
| Operating Margins | -1.11037 |
| Overall Risk | 10 |
| Payout Ratio | 1.4814999 |
| Phone | 800 981 8898 |
| Post Market Change | 0.006900072 |
| Post Market Change Percent | 0.66990995 |
| Post Market Price | 1.0369 |
| Post Market Time | 1,791,935,880 |
| Previous Close | 1.02 |
| Price Eps Current Year | 7.4373593 |
| Price Hint | 4 |
| Price To Book | 2.634271 |
| Price To Sales Trailing12 Months | 0.5657228 |
| Profit Margins | -0.0127 |
| Quick Ratio | 0.125 |
| Quote Source Name | Nasdaq Real Time Price |
| Quote Type | EQUITY |
| Recommendation Key | hold |
| Recommendation Mean | 2.6 |
| Region | US |
| Regular Market Change | 0.00999999 |
| Regular Market Change Percent | 0.980391 |
| Regular Market Day High | 1.065 |
| Regular Market Day Low | 1.01 |
| Regular Market Day Range | 1.01 - 1.065 |
| Regular Market Open | 1.02 |
| Regular Market Previous Close | 1.02 |
| Regular Market Price | 1.03 |
| Regular Market Time | 1,791,921,602 |
| Regular Market Volume | 9,497,710 |
| Return On Assets | 0.01845 |
| Return On Equity | -0.076799996 |
| Revenue Growth | -0.706 |
| Revenue Per Share | 10.552 |
| Sand P52 Week Change | 0.17502642 |
| Sector | Financial Services |
| Sector Disp | Financial Services |
| Sector Key | financial-services |
| Share Holder Rights Risk | 10 |
| Shares Outstanding | 345,098,878 |
| Shares Percent Shares Out | 0.2854 |
| Shares Short | 98,503,237 |
| Shares Short Previous Month Date | 1,788,134,400 |
| Shares Short Prior Month | 84,137,988 |
| Short Name | UWM Holdings Corporation |
| Short Percent Of Float | 0.2905 |
| Short Ratio | 8.58 |
| Source Interval | 15 |
| State | MI |
| Symbol | UWMC |
| Target High Price | 3.0 |
| Target Low Price | 1.4 |
| Target Mean Price | 1.84286 |
| Target Median Price | 1.5 |
| Total Cash | 538,331,008 |
| Total Cash Per Share | 1.572 |
| Total Debt | 15,894,791,168 |
| Total Revenue | 2,925,762,048 |
| Tradeable | 0 |
| Trailing Annual Dividend Rate | 0.4 |
| Trailing Annual Dividend Yield | 0.39215687 |
| Trailing Eps | -0.11 |
| Trailing Peg Ratio | None |
| Triggerable | 1 |
| Two Hundred Day Average | 3.03965 |
| Two Hundred Day Average Change | -2.00965 |
| Two Hundred Day Average Change Percent | -0.6611452 |
| Type Disp | Equity |
| Volume | 9,497,710 |
| Website | https://www.uwm.com |
| Zip | 48,341 |