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UWM Holdings Corporation UWMC NYSE

NYSE • Financial Services • Financial - Mortgages • US • USD

SharesGrow Score
57/100
2/7 Pass
SharesGrow Intrinsic Value
N/A
Negative cash flow
Analyst Price Target
$5.23
+37.3%

UWM Holdings Corporation (UWMC) is a Financial - Mortgages company in the Financial Services sector, currently trading at $3.81. It has a SharesGrow Score of 57/100, indicating a above average investment profile with 2 out of 7 criteria passed.

SharesGrow calculates the intrinsic value of UWMC = $0.37 (-90.4% from the current price, the stock appears overvalued). Analyst consensus target is UWMC = $5 (+37.3% upside).

Valuation: UWMC trades at a trailing Price-to-Earnings (P/E) of 36.2 (S&P 500 average ~25) with a forward Price/Earnings-to-Growth (PEG) of 1.27.

Financials: revenue is $3.2B, +21.2%/yr average growth. Net income is $27M, growing at +55.7%/yr. Net profit margin is 0.9% (thin). Gross margin is 85.6% (-14.4 pp trend).

Balance sheet: total debt is $14.4B against $200M equity (Debt-to-Equity (D/E) ratio 72.37, leveraged). Current ratio is 0.67 (tight liquidity). Debt-to-assets is 85.3%. Total assets: $16.9B.

Analyst outlook: 3 / 13 analysts rate UWMC as buy (23%) — mixed sentiment.

SharesGrow 7-Criteria breakdown: Value 69/100 (Pass), Growth 100/100 (Pass), Past 75/100 (Partial), Health 17/100 (Fail), Moat 59/100 (Partial), Future 52/100 (Partial), Income 30/100 (Fail).

$5.23
▲ 37.27% Upside
Average Price Target
Based on 13 Wall Street analysts offering 12-month price targets for UWM Holdings Corporation, the average price target is $5.23, with a high forecast of $6.00, and a low forecast of $4.40.
Highest Price Target
$6.00
Average Price Target
$5.23
Lowest Price Target
$4.40

UWMC SharesGrow Score Overview

57/100
SharesGrow Score
Above average fundamentals
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VALUE 69/100
Valuation — P/E, PEG, Forward PEG
GROWTH 100/100
Financials — average growth
PAST 75/100
strong — trend
HEALTH 17/100
Balance sheet — Debt-to-Equity (D/E) ratio, Current ratio is
MOAT 59/100
Gross margin is + market cap
FUTURE 52/100
Analyst outlook — as buy
INCOME 30/100
Net profit margin is
Scores derived from financial statements, analyst ratings, and balance sheet data.

Score Breakdown — UWMC

VALUE Pass
69/100
UWMC trades at a trailing Price-to-Earnings (P/E) of 36.2 (S&P 500 average ~25). Forward PEG 1.27 — ~moderate (~1.5). Trailing PEG 1.55. Analyst consensus target is $5, implying +31.2% from the current price $4. Composite: Price-to-Earnings (20%) + Forward Price/Earnings-to-Growth (35%) + upside (25%) + trailing PEG (20%). ≥ 60 = Pass.
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GROWTH Pass
100/100
UWMC: +21.2%/yr revenue is, +55.7%/yr Net income is average growth. > 5%/yr — strong. Score: >20%/yr = 100, >10% = 80, >5% = 65, >0% = 45, < 0 = 15.
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PAST Partial
75/100
UWMC: 3 / 4 years profitable. mixed. Score = 3 / 4 × 100. ≥ 80 = Pass.
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HEALTH Fail
17/100
Balance sheet UWMC: Debt-to-Equity (D/E) ratio 72.37 (leveraged), Current ratio is 0.67 (tight liquidity). Debt-to-Equity < 0.5, Current Ratio > 1.5, Interest Coverage > 8x = ideal. ≥ 70 = Pass.
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~
MOAT Partial
59/100
UWMC: Gross margin is 85.6% (-14.4 pp trend), $6B market cap. Moat (0-100): margin (35%) + trend (15%) + market cap (30%) + revenue is (20%). Score 59/100. ≥ 70 = Pass.
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FUTURE Partial
52/100
Analyst outlook: 3 / 13 analysts rate UWMC as buy (23%). Analyst consensus target is $5 (+31.2% upside). Score: 60% buy consensus + 40% upside. ≥ 60 = Pass.
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INCOME Fail
30/100
UWMC: Net profit margin is 0.9%. thin (0-5%). Score: ≥30% = 100, ≥20% = 85, ≥15% = 70, ≥10% = 55, ≥5% = 45, ≥0% = 30, < 0 = 10.
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Stock Chart & Stats

Market Data
52-Week Range3.38-7.14
Volume9.24M
Avg Volume (30D)18.28M
Market Cap$5.78B
Beta (1Y)1.98
Dividend Yield$0.4000
Share Statistics
EPS (TTM)0.13
Shares Outstanding$211.41M
IPO Date2020-05-01
Employees9,100
CEOMathew R. Ishbia
Financial Highlights & Ratios
Revenue (TTM)$3.16B
Gross Profit$2.71B
EBITDA$831.73M
Net Income$27.38M
Operating Income$1.83B
Total Cash$503.36M
Total Debt$14.44B
Net Debt$13.94B
Total Assets$16.93B
Price / Earnings (P/E)29.3
Price / Sales (P/S)1.83
Analyst Forecast
1Y Price Target$5.25
Target High$6.00
Target Low$4.40
Upside+37.8%
Rating ConsensusHold
Analysts Covering13
Buy 23% Hold 62% Sell 15%
Price Target Summary
Company Info
CountryUS
ExchangeNYSE
CurrencyUSD
ISINUS91823B1098

Price Chart

UWMC
UWM Holdings Corporation  ·  NYSE
Financial Services • Financial - Mortgages
3.38 52WK RANGE 7.14
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