Stock Ratings / Financials / UWMC / options

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UWM Holdings Corporation (Class A) (UWMC) Options Positioning, Max Pain & Unusual Sweeps

$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 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.

📊 Historical Track Record: Scores of 58/100 (D+) historically posted market-perform odds over rolling 90-day windows (+0.0% avg 90D alpha vs SPY) →

ROARABLE D+ • SELL / AVOID Cap $2.39B

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

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 58/100 (D+) historically posted market-perform odds over rolling 90-day windows (+0.0% avg 90D alpha vs SPY • 52.7% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D+

2-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 C

Each axis scored 0–20

12M PRICE TARGET CONE+0% Base Target

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

Deterministic 5-Pillar Attribution (58/100 Composite)

🔍 WHY UWMC SCORES 58/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+15/20 pts (26% of score)

FRED Regime × Technicals: 11% of 52W Range • RSI-14 at 66.8 (BULLISH MOMENTUM)

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+13/20 pts (22% of score)

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

▼ #1 Drag / Risk Factor: SEC 10-K Forensic Risk10/20 pts (-10 pt drag)

Balance-sheet & 10-K footnote risk deducts 10 pts from forensic ceiling

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

Q1 (-3Q)

Grade C-$1.08-2.8% Next Q

Q2 (-2Q)

Grade C-$1.05+38.1% Next Q

Q3 (-1Q)

Grade C$1.45+2.8% Next Q

Current

Grade D+$1.49+0% Hist 90D α

Trajectory: C- (50) → D+ (58)Full Audit →

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

⚔️ Adversarial Opposing Case: Why the UWMC Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 58/100 (D+) score, UWMC faces multiple-compression risk if 9.8x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-1.52% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($1.29) or 200D SMA ($2.79) invalidates the momentum regime and cuts Target Base ($1.49) toward Bear Floor ($1.16).

🎲 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 58%NO 42%Trade / Inspect Odds →

CALL VS. PUT WHALE SHARE

— (No Active Options Snapshot)

Put/Call Ratio: — (No Active Options Snapshot)

MAX-PAIN EXPIRATION MAGNET

— (No Active Options Snapshot)

No active options chain max-pain snapshot on file

HISTORICAL 20D VOLATILITY SWING

±12.5%

Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (UWMC)

— (No Active Options Snapshot) — No unusual CBOE strike concentration anomalies recorded in the current database snapshot for UWMC.

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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

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

2026-10-30O $1.48H $1.59L $1.48C $1.49VOL 11.29M

RES: $1.60SUP: $0.91SMA50: $1.29SMA200: $2.79

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 #605 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 #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 →

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?

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.

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

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).

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: 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.

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 -46.59% 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).

UWMC Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

What is UWMC's options positioning and volatility profile?

Roarable tracks verified CBOE unusual options sweeps, put/call ratios, and OHLCV realized volatility bands for UWMC.

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