Stock Ratings / Financials / UWMC / dividends

UPST (32) CLSK (42) SII (44) MARA (28) ⌘ Pro Terminal →

UWM Holdings Corporation (Class A) (UWMC) Dividend Safety Gauge & 10-Year DRIP Compounder

$1.49 -0.67% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $1.49

UWM Holdings Corporation (Class A) (UWMC) carries a Roarable Rating of D (Sell) with 50/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

📊 Historical Track Record: Scores of 50/100 (D) historically posted market-perform odds over rolling 90-day windows (-1.4% avg 90D alpha vs SPY) →

ROARABLE D • SELL / AVOID Cap $2.39B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on UWMC Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is UWMC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

▼

As of 2026-11-02, UWM Holdings Corporation (Class A) (NYSE: UWMC) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 50/100 at a spot price of $1.49 (-0.67% 1D, market cap $2.39B). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 10/20, Executive Insider Alignment 10/20, FRED Macro Regime Fit 7/20, and SEC Balance-Sheet Forensics 13/20. Across 1096 tracked Financials issuers, UWMC ranks #669 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does UWMC compare to UPST and CLSK in the Financials sector?

▼

Within the Financials sector (Finance: Consumer Services), UWMC carries a Roarable D (50/100 RQD), trailing P/E of 9.8x, gross margin of —, and ROIC of 15.3%. By comparison, UPST (Upstart Holdings Inc.) holds a E grade (32/100 RQD, P/E 45.1x, ROIC 3.2%, cap $2.42B) and CLSK (CleanSpark Inc.) posts a D- grade (42/100 RQD, P/E 5.8x, ROIC 14.5%, cap $2.11B). Among the 5-stock peer group, CLSK leads on earnings multiple (5.8x) while UWMC leads on capital efficiency (15.3% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for UWMC?

▼

Per UWMC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001783398), UWM Holdings Corporation (Class A) generated $3.16B in revenue (+18.2% YoY), $244.0M in net income, and -$2.72B in free cash flow against $16.93B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $1.49 (-0.31%)🧬 Cannibal Buyback (-1.52% YoY Shares)⚙️ Cash Engine: 10/20 (D) • 0% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 50/100 (D) historically posted market-perform odds over rolling 90-day windows (-1.4% avg 90D alpha vs SPY • 49.3% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D

3-of-3 JEV AI Jury Bearish Warning

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ · Rk D-

Each axis scored 0–20

12M PRICE TARGET CONE-3.4% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for UWMC)Realized 20D OHLCV Swing Band: ±12.5%

Deterministic 5-Pillar Attribution (50/100 Composite)

🔍 WHY UWMC SCORES 50/100 (D) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+13/20 pts (26% of score)

SEC Form 4 / 13F Thermometer: 65% Net Buy • Cannibal Buyback (-1.52% YoY Shares)

▲ #2 Bullish Driver: Cash Engine Quality+10/20 pts (20% of score)

SEC XBRL FY 2025 (10-K): 0% FCF Margin ($0 FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Macro Regime Fit7/20 pts (-13 pt drag)

Macro rate sensitivity & RSI-14 (60.8) create a -13 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade D$1.02+3.9% Next Q

Q2 (-2Q)

Grade D$1.06+33% Next Q

Q3 (-1Q)

Grade D$1.41+5.7% Next Q

Current

Grade D$1.49-1.4% Hist 90D α

Trajectory: D (42) → D (50)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a UWMC Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While UWMC currently carries a cautious 50/100 (D) rating due to Macro Regime Fit (7/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($1.29) and Max Pain ($1.56) forces dealer call-delta covering toward $6.46.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Cannibal Buyback (-1.52% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $UWMC• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “UWMC Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 50%NO 50%Trade / Inspect Odds →

CASH DIVIDEND + BUYBACK YIELD

5.08% Total Yield

3.28% Cash ($0.05/yr) + 1.8% Buybacks

PAYOUT SAFETY SPEEDOMETER

68/100 • SAFE COVERAGE

FREE CASH FLOW PAYOUT RATIO

76.1% of FCF

8 consecutive years of payout growth

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (15.1% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $40,809

Est. Year-10 Shareholder Yield: $2,073/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$11.5K

Yr 1

$13.2K

Yr 2

$15.2K

Yr 3

$17.6K

Yr 4

$20.2K

Yr 5

$23.3K

Yr 6

$26.8K

Yr 7

$30.8K

Yr 8

$35.5K

Yr 9

$40.8K

Yr 10

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring UWMC)

✓Walkthrough of UWMC's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

UWMC // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -57.91%⚡ TESTING RESISTANCE

2026-11-02O $1.50H $1.50L $1.49C $1.49VOL 26.31M

RES: $1.61SUP: $0.90SMA50: $1.29SMA200: $2.77

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

UWMC Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 UWMC Butterfly Map → + Track UWMC →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

-1.6%/yr Implied 5Y Growth

vs. +18.2% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on UWMC today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for UWMC. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for UWMC today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (UWMC)

Financials Rank #669 of 1096 ⚔️ UPST vs UWMC Full Matrix →

1. Head-to-Head Financials Peer Comparison (UWMC vs. UPST, CLSK, SII, MARA)

Industry: Finance: Consumer Services (156 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, UWM Holdings Corporation (Class A) (UWMC) ranks #669 by composite RQD confidence (50/100, grade D) and #406 by equity capitalization ($2.39B). Within this direct 5-issuer industry benchmark cohort, CLSK leads on earnings valuation at 5.8x trailing P/E, while UWMC leads on capital efficiency and profitability with 15.3% ROIC and — gross margin. UWMC currently leads its immediate peer cohort in composite quantitative strength at 50/100 (D).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
UWMC ACTIVE UWM Holdings Corporation (Class A)	D	50/100	9.8x	—	15.3%	-0.67%	$2.39B	Benchmark Subject
UPST Upstart Holdings Inc.	E	32/100	45.1x	—	3.2%	+2.90%	$2.42B	/upst-vs-uwmc →
CLSK CleanSpark Inc.	D-	42/100	5.8x	—	14.5%	-4.43%	$2.11B	/clsk-vs-uwmc →
SII Sprott Inc.	D	44/100	—	—	—	-1.22%	$2.75B	/sii-vs-uwmc →
MARA MARA Holdings Inc.	E	28/100	—	—	-15.8%	-2.52%	$2.77B	/mara-vs-uwmc →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001783398

In its most recent audited fiscal period (FY2025, filed 2025-12-31), UWM Holdings Corporation (Class A) (UWMC) reported GAAP revenue of $3.16B (+18.2% vs. FY2024 revenue of $2.67B , and +46.0% cumulative change since FY2023) , GAAP net income of $244.0M, operating cash flow of -$2.65B, and free cash flow of -$2.72B (+56.7% YoY). On the balance sheet, UWMC closed FY2025 with $16.93B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 2/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$3.16B	$244.0M	-$2.65B	-$2.72B	$16.93B	—
FY2024 (FY)	2024-12-31	$2.67B	$329.4M	-$6.24B	-$6.28B	$15.67B	—
FY2023 (FY)	2023-12-31	$2.17B	-$69.8M	$165.2M	$165.2M	—	—

3. UWMC Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is UWMC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does UWMC compare to UPST and CLSK in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for UWMC?

Where is UWMC trading relative to its 50-day, 200-day, and 52-week technical levels?

UWMC last traded at $1.49 (-0.67% on volume of 26,312,968 shares), positioning the stock +15.50% above its 50-day simple moving average ($1.29) and -46.21% below its 200-day simple moving average ($2.77). Across its 52-week range of $0.93 to $6.15, UWMC sits at the 10.7% percentile with a 14-day RSI of 60.8 (BULLISH MOMENTUM) and an implied next-earnings move of ±12.5% ($1.30 to $1.68).

UWMC Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Does UWMC pay a dividend and is it safe?

UWM Holdings Corporation (Class A) (UWMC) offers a 3.28% cash dividend yield ($0.05 annualized) and 5.08% total shareholder yield including buybacks. Roarable rates its payout coverage as SAFE COVERAGE.

Direct Sub-Reports: UWMC RQD Cockpit UWMC 12M Forecast UWMC Earnings & Move UWMC Dividends & DRIP UWMC Insiders & 13F UWMC Whale Options UWMC Profit Sankey UWMC News & Why