UWM Holdings Corp
UWMC
Sync financial data to generate a health grade for this company.
Analytical Summary
On an absolute basis, UWM Holdings Corp shows solid but mixed fundamentals. These readings use fixed quality thresholds rather than peer benchmarks, because too few comparable companies are available to rank against.
8-Year Financial Trajectory
Annualinfo Signals below are graded against fixed quality thresholds, not peers — peer ranking needs more comparable companies.
Statement lens
Choose the reporting cadence, isolate a period range, or search directly for a metric.
| Metric | FY 2025 Dec 31, 2025 10-K ↗ | FY 2024 Dec 31, 2024 10-K ↗ | FY 2023 Dec 31, 2023 10-K ↗ | FY 2022 Dec 31, 2022 10-K ↗ | FY 2021 Dec 31, 2021 10-K ↗ | FY 2020 Dec 31, 2020 10-K ↗ | FY 2019 Dec 31, 2019 10-K ↗ | FY 2018 Jun 11, 2019 10-K ↗ |
|---|---|---|---|---|---|---|---|---|
| EPS Growth YoY (%) |
0.0%
Caution
Caution
Year-over-year change in earnings per share
Optimal:
> 10%
|
N/M | N/M |
-54.1%
Weak
Weak
Year-over-year change in earnings per share
Optimal:
> 10%
|
— | — | — | — |
| Net Income Growth YoY (%) |
90.1%
Excellent
Excellent
Year-over-year change in net income |
N/M | N/M |
-57.6%
Weak
↓
Weak
Declining
Year-over-year change in net income |
-97.1%
Weak
Weak
Year-over-year change in net income |
715.0%
Excellent
Excellent
Year-over-year change in net income |
— | — |
| FCF Growth YoY (%) N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| EPS CAGR 3Y (%) |
-33.9%
Weak
Weak
Compound annual EPS growth over 3 years |
-49.0%
Weak
Weak
Compound annual EPS growth over 3 years |
— | — | — | — | — | — |
| Metric | FY 2025 Dec 31, 2025 10-K ↗ | FY 2024 Dec 31, 2024 10-K ↗ | FY 2023 Dec 31, 2023 10-K ↗ | FY 2022 Dec 31, 2022 10-K ↗ | FY 2021 Dec 31, 2021 10-K ↗ | FY 2020 Dec 31, 2020 10-K ↗ | FY 2019 Dec 31, 2019 10-K ↗ | FY 2018 Jun 11, 2019 10-K ↗ |
|---|---|---|---|---|---|---|---|---|
| Effective Tax Rate (%) (%) |
2.7%
Excellent
↓
Excellent
Declining
Actual taxes paid relative to pre-tax income
Optimal:
15-25%
|
2.0%
Excellent
↓
Excellent
Declining
Actual taxes paid relative to pre-tax income
Optimal:
15-25%
|
8.5%
Excellent
↑
Excellent
Improving
Actual taxes paid relative to pre-tax income
Optimal:
15-25%
|
0.3%
Excellent
↑
Excellent
Improving
Actual taxes paid relative to pre-tax income
Optimal:
15-25%
|
0.6%
Excellent
↑
Excellent
Improving
Actual taxes paid relative to pre-tax income
Optimal:
15-25%
|
0.1%
Excellent
Excellent
Actual taxes paid relative to pre-tax income
Optimal:
15-25%
|
0.0%
Excellent
Excellent
Actual taxes paid relative to pre-tax income
Optimal:
15-25%
|
— |
| FCF Margin (%) (%) N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| FCF / Net Income (x) N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Metric | FY 2025 Dec 31, 2025 10-K ↗ | FY 2024 Dec 31, 2024 10-K ↗ | FY 2023 Dec 31, 2023 10-K ↗ | FY 2022 Dec 31, 2022 10-K ↗ | FY 2021 Dec 31, 2021 10-K ↗ | FY 2020 Dec 31, 2020 10-K ↗ | FY 2019 Dec 31, 2019 10-K ↗ | FY 2018 Jun 11, 2019 10-K ↗ |
|---|---|---|---|---|---|---|---|---|
| Return on Invested Capital (%) N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Return on Capital (%) (%) |
0.2%
Weak
↑
Weak
Improving
Operating profit relative to total assets
Optimal:
> 10%
|
0.1%
Weak
↓
Weak
Declining
Operating profit relative to total assets
Optimal:
> 10%
|
-0.1%
Weak
↓
Weak
Declining
Operating profit relative to total assets
Optimal:
> 10%
|
0.3%
Weak
↓
Weak
Declining
Operating profit relative to total assets
Optimal:
> 10%
|
0.4%
Weak
Weak
Operating profit relative to total assets
Optimal:
> 10%
|
29.4%
Excellent
Excellent
Operating profit relative to total assets
Optimal:
> 10%
|
— | — |
| Metric | FY 2025 Dec 31, 2025 10-K ↗ | FY 2024 Dec 31, 2024 10-K ↗ | FY 2023 Dec 31, 2023 10-K ↗ | FY 2022 Dec 31, 2022 10-K ↗ | FY 2021 Dec 31, 2021 10-K ↗ | FY 2020 Dec 31, 2020 10-K ↗ | FY 2019 Dec 31, 2019 10-K ↗ | FY 2018 Jun 11, 2019 10-K ↗ |
|---|---|---|---|---|---|---|---|---|
| Interest Coverage (x) N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Debt (USD) N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt / EBITDA (x) N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Metric | FY 2025 Dec 31, 2025 10-K ↗ | FY 2024 Dec 31, 2024 10-K ↗ | FY 2023 Dec 31, 2023 10-K ↗ | FY 2022 Dec 31, 2022 10-K ↗ | FY 2021 Dec 31, 2021 10-K ↗ | FY 2020 Dec 31, 2020 10-K ↗ | FY 2019 Dec 31, 2019 10-K ↗ | FY 2018 Jun 11, 2019 10-K ↗ |
|---|---|---|---|---|---|---|---|---|
| Working Capital (USD) N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| LT Debt (USD) | $2.98B | $2.79B | $2.00B | $2.00B | $2.00B | $800.00M | — | — |
| Total Equity (USD) | — | — | — | — | — | — | — | $0.00 |
| Metric | FY 2025 Dec 31, 2025 10-K ↗ | FY 2024 Dec 31, 2024 10-K ↗ | FY 2023 Dec 31, 2023 10-K ↗ | FY 2022 Dec 31, 2022 10-K ↗ | FY 2021 Dec 31, 2021 10-K ↗ | FY 2020 Dec 31, 2020 10-K ↗ | FY 2019 Dec 31, 2019 10-K ↗ | FY 2018 Jun 11, 2019 10-K ↗ |
|---|---|---|---|---|---|---|---|---|
| Depreciation Expense (USD) | $55.51M | $48.78M | $50.06M | $49.40M | $38.02M | — | — | — |
| Net Income, GAAP (USD) | $27.38M | $14.40M | $-13.23M | $41.72M | $98.44M | $3.38B | $415.06M | — |
| Operating Cash Flow (USD) | $-2.65B | $-6.24B | $165.24M | $8.27B | $-9.96B | $56.41M | $-3.50B | — |
Secondary lens
Benchmark Lens
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Unavailable
Benchmark Lens
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Benchmarks unavailable
Verdicts use absolute quality thresholds, not peer comparison — only 0 comparable companies are currently available for ranking.
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north_east Open comparisonbar_chart Data from SEC EDGAR XBRL filings
Synced 1 week ago 8 years · 30 quarters