UWM Holdings Corporation (Class A) (UWMC) carries a Roarable Rating of D+ (Sell) with 58/100 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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
UWM Holdings Corporation (Class A) (UWMC) slipped -0.67% to $1.49, trading at 11% of its 52-week range ($0.93 – $6.15). Stretched risk/reward at 10x P/E (15% return on capital) under elevated 10-year interest-rate pressure.
Price targets for UWM Holdings now tend to sit in a band of about US$1.50 to US$2.00 per share, reflecting a more cautious stance than before. Analysts link these levels to a balance between solid operating updates and c
PONTIAC, Mich., October 28, 2026--UWM Holdings Corporation (NYSE:UWMC), the publicly traded indirect parent of United Wholesale Mortgage (UWM), the #1 overall mortgage lender, wholesale and purchase mortgage lender in th
Compass Point analyst Jason Stewart downgrades UWM Holdings (NYSE:UWMC) from Buy to Neutral and announces $1.5 price target.
UWM Holdings is rated a Hold, with a $0.55/share price target, reflecting limited risk-adjusted upside and significant dilution risk. Click for more on UWMC.
Key TakeawaysUWM Holdings shares jumped 19% after it said it expects to have earned $205 million to $220 million in the third quarter, and that it plans to sell more than $1. 8 billion of mortgage servicing rights in the
WTI crude rose above $100 on fears of renewed U.S. strikes on Iran, lifting XLE to a record while staples, telecoms and the Dow slipped at midday Friday.
PONTIAC, Mich., October 23, 2026--UWM Holdings Corporation (NYSE: UWMC) ("UWMC", the "Company" "we," "our" and "us"), the publicly traded indirect parent of United Wholesale Mortgage ("UWM"), today announced certain prel
U.S. stocks fell Friday, but Selective Insurance surged after beating EPS estimates, approving a $200M buyback and raising its dividend.
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +18.2% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on UWMC today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for UWMC. Explore sector supply chains on /butterfly.
Across 1096 tracked Financials securities in the Roarable RQD universe, UWM Holdings Corporation (Class A) (UWMC) ranks #605 by composite RQD confidence (58/100, 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 58/100 (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+ | 58/100 | 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+ | 57/100 | — | — | — | -1.22% | $2.75B | /sii-vs-uwmc → |
| MARA MARA Holdings Inc. | E | 28/100 | — | — | -15.8% | -2.52% | $2.77B | /mara-vs-uwmc → |
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 | — | — |
As of 2026-11-01, 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 58/100 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 15/20, and SEC Balance-Sheet Forensics 13/20. Across 1096 tracked Financials issuers, UWMC ranks #605 in composite RQD confidence.
Within the Financials sector (Finance: Consumer Services), UWMC carries a Roarable D+ (58/100 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).
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: Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.. Institutional options positioning shows a 50% call / 50% put premium split.
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 -46.59% below its 200-day simple moving average ($2.79). Across its 52-week range of $0.93 to $6.15, UWMC sits at the 10.7% percentile with a 14-day RSI of 66.8 (BULLISH MOMENTUM) and an implied next-earnings move of ±12.5% ($1.30 to $1.68).
Why UWMC Stock slipped -0.67% Today — RQD Quant Desk Flash. Stretched risk/reward at 10x P/E (15% return on capital) under elevated 10-year interest-rate pressure.