UWM Holdings Corporation(UWMC)NASDAQ
Stock Overview & Analysis
UWM Holdings Corporation (UWMC) quick overview 2026-02-20
- The stock is currently trading at $4.62, experiencing a short-term pullback within a declining trend—trading below its 50-day average while below the 200-day.
- Analysts appear optimistic, with a 1-year price target of $6.59 (42.6% upside).
- Volatility is elevated (54.74% annualized), implying wide price swings.
- The fundamental story is nuanced: solid revenue growth (-10.40% YoY) alongside significant competitive pressures.
Here's What You Need to Know Right Now
Concise, actionable context
UWM Holdings Corporation - Historical Price & Volume
Market Cap
Enterprise Value: $16.30B
P/E Ratio
Forward P/E: 10.22
Revenue Growth
Year over Year
Analyst Target
+42.6% upside potential
Key Investor Questions
Clarity over jargon
- Technicals say: Neutral (RSI 34.75)
- Fundamentals say: Challenging (declining revenue trends)
- Future growth will depend on performance in core Mortgage Finance operations.
- The ability to manage competitive pressures will be crucial for sustained growth.
- $14.56B in debt could be a headwind in a high-rate environment.
- Fierce competition from established players in Mortgage Finance.
Trading Range
Over the past year, the stock traded between $3.79 and $7.14—recovering meaningfully from lows and currently near the higher end. Big swings are likely unless a major catalyst emerges.
Volatility
With 54.74% annualized volatility and β=1.93, the stock exhibits high sensitivity to market moves—suitable for investors comfortable with active risk management.
Ownership Snapshot
High institutional backing, but elevated short interest signals a potential battleground stock.
Analyst Sentiment
Latest News
Recent headlines and coverage
President and CEO Sells UWMC 1.9M Shares for $9.0 Million
One of the nation’s largest wholesale mortgage lenders reported a significant insider sale amid a year of declining share prices.
Stock Market Today, Feb. 3: Rocket Companies Rallies on Signs of Mortgage Demand Recovery
Rocket Companies advanced after its CEO said mortgage loan production has reached a four-year high, as the market revisits the outlook for housing demand.
Two Harbors Faces UWM Deal Probe As Valuation Gap Draws Focus
Two Harbors Investment Corp. (NYSE:TWO) is facing an investigation into potential breaches of fiduciary duty and securities laws tied to its proposed sale to UWM Holdings Corporation. Law firms and shareholder rights groups are reviewing whether the proposed transaction terms and disclosures are fair to existing Two Harbors shareholders. The outcome of this process may influence the final deal structure, timing, or required disclosures to investors. The probe lands at a sensitive moment for...
Do Mat Ishbia’s 10b5-1 Share Sales Reframe UWM Holdings’ Governance Story (UWMC)?
In January 2026, UWM Holdings CEO Mat Ishbia indirectly sold 1,898,622 shares of Class A common stock under a pre-arranged 10b5-1 trading plan, generating roughly US$11.14 million and cutting his total holdings by about one-quarter while leaving his direct ownership unchanged. The scale and structure of these insider sales, executed through an entity Ishbia controls rather than his personal account, have sharpened market focus on governance and capital-allocation priorities at UWM amid a...
Assessing UWM Holdings (UWMC) Valuation After Mixed Recent Share Price Performance
What Recent Performance Says About UWM Holdings UWM Holdings (UWMC) has drawn attention after a 12.1% return over the past month, contrasting with a 12.8% decline over the past 3 months and an 11.9% negative total return over the past year. At a last close of US$4.91, the wholesale mortgage lender reports revenue of US$2,703.097 and net income of US$16.887, with reported annual revenue growth of 18.93% and net income growth of 55.61%. See our latest analysis for UWM Holdings. For UWM, the...
UWM Holdings CEO Sells Millions of Shares in January
The CEO of a top mortgage lender sold over a million insider shares within a span of five days, but there's a catch to the sale.
Two Harbors Investment Q4 Earnings on the Deck: Here's What to Expect
TWO's Q4 results, scheduled for Feb. 2, are likely to see support from lower funding costs and rising book value amid strategic moves.
Is 2026 the Year to Buy UWM Holdings?
Macroeconomic changes and a pending merger could spur a further comeback for this mortgage stock.
Has Galaxy Digital Inc. (GLXY) Outpaced Other Finance Stocks This Year?
Here is how Galaxy Digital Inc. (GLXY) and UWM Holdings Corporation (UWMC) have performed compared to their sector so far this year.
Housing Affordability Is Topic A. Just Ask Rival Mortgage Lenders Rocket and UWM.
Banks have retreated from home loans because of increased capital requirements and low margins, leaving the field to upstarts like UWM and Rocket.
Frequently Asked Questions
Common investor questions about UWM Holdings Corporation
UWM Holdings Corporation (UWMC) is currently trading at $4.62. The RSI (14-day) is at 34.8, indicating neutral territory. Wall Street analysts have a consensus "Hold" recommendation. The mean analyst price target of $6.59 implies 42.6% upside from current levels. Volatility is high at 54.7% annualized, meaning significant price swings are common. Investors should consider their risk tolerance, investment horizon, and portfolio diversification before making a decision.
Based on current valuation metrics for UWM Holdings Corporation (UWMC): The trailing P/E ratio is 43.50, which is above the market average, indicating investors are pricing in higher growth expectations. The forward P/E is 10.22, lower than the trailing P/E, suggesting analysts expect earnings improvement. Price-to-Book is 6.31. Price-to-Sales is 2.84. Valuation should be compared to Mortgage Finance industry peers for context, as different sectors trade at different multiples.
Based on 8 analysts covering UWMC, the consensus price target is $6.59. This represents a 42.6% upside from the current price of $4.62. The range spans from a low target of $5.00 to a high target of $10.00, reflecting varying levels of optimism among analysts. The consensus recommendation is "Hold". Note: Analyst price targets are forward-looking estimates and not guarantees of future performance.
Yes, UWM Holdings Corporation (UWMC) pays a dividend with a current yield of approximately 8.66%. The annualized dividend rate is $0.40 per share. The payout ratio is 363.6%, which exceeds 100%—this means the company is paying out more than it earns, which may not be sustainable long-term. The most recent ex-dividend date was 2025-12-18.
Key risks for UWM Holdings Corporation (UWMC) investors include: 1. High volatility (54.7% annualized)—the stock can experience significant daily price swings. 2. Elevated debt levels (D/E ratio of 917.18) which could pressure margins in a rising rate environment. 3. Declining revenue (-10.4% YoY), indicating potential business headwinds. 4. Elevated short interest (17.9% of float) suggests significant bearish sentiment. 5. Unsustainable dividend payout ratio (364%) could lead to a dividend cut. 6. Broader market and macroeconomic risks (interest rates, inflation, geopolitical events). 7. Mortgage Finance sector-specific competitive pressures. Investors should diversify and consider their risk tolerance before investing.
Here is UWM Holdings Corporation's (UWMC) current debt and financial health profile: Total debt stands at $14.56B. The debt-to-equity ratio is 917.18, which is high and could pose financial risk if earnings decline or borrowing costs increase. The current ratio is 1.62, indicating strong short-term liquidity. The quick ratio is 0.15. The company holds $893.06M in cash and equivalents. Free cash flow is positive at $1.60B, providing a cushion for debt servicing and shareholder returns.