UWM Holdings (UWMC) Fair Value & Analysis
Financial Services · US · Market cap $3.3B
UWM Holdings
UWMC · US
Fair value as of: Jul 20, 2026
From 16 valuation models · updated today
Share price −14.9% over the past month.
Price vs Fair Value (12 months)
12‑month range $1.89 – $6.20 · fair‑value band $0.1445 – $0.2380 · the $1.89 price screens above the $0.1870 fair value. As of Jul 20, 2026.
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UWM Holdings (UWMC) currently trades at $1.89, while our model-based Fair Value estimate is $0.1870, implying the stock looks roughly 90.1% overvalued today. We read business quality at 22/100 (below-average quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: medium).
Over the trailing twelve months, UWM Holdings generated revenue of $3.6B at a net margin of 1.8%. Revenue grew 24.4% year over year. It earns a return on equity of 40.9%. Net debt stands at $13.9B. Fundamentals as of Jul 20, 2026
Our scenario range runs from $0.1445 (bear case) to $0.2380 (bull case); at $1.89, the current price sits above that range. The share trades about 72% below its 52-week high, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 7% fair-value upside, at -90%, UWMC screens richer than that median.
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jul 20, 2026. TTM = trailing twelve months.
About the company
UWM Holdings Corporation engages in the origination, sale, and servicing residential mortgage lending in the United States. The company offers mortgage loans through wholesale channel. It originates primarily conforming and government loans. The company was founded in 1986 and is headquartered in Pontiac, Michigan.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
UWM Holdings reported revenue of $3.2B in FY2025 versus $2.8B in FY2021, a compound +2.8%/yr. Reported net income was $27.4M in FY2025, compounding −27.4%/yr from FY2021.
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Recent news
- NYSE Content Update: AdvanCell Raises $315 Million to Fight Prostate Cancer
- UWM Holdings (UWMC) Stock May Be Below Fair Value Following Bid Setback
- Can UWM Holdings (UWMC) Still Look Like A Bargain As Its Two Harbors Bid Fails?
- UWM Holdings (UWMC) Stock Has Room To Run Due To Cheap Valuation
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection, not financial advice.
Similar stocks
10 more Mortgage Finance stocks, each showing price versus our Fair Value estimate (as of Jul 20, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Federal Home Loan Mortgage Corporation FMCCT | $16.50 | $27.69 | +68% |
| Rocket Companies, Inc RKT | $13.34 | $3.90 | -71% |
| Federal National Mortgage Association FNMAS | $11.61 | $23.22 | +100% |
| Bajaj Housing Finance Limited BAJAJHFL | ₹91.33 | ₹61.48 | -33% |
| PennyMac Financial Services, Inc PFSI | $80.08 | $81.01 | +1% |
| LIC Housing Finance Limited LICHSGFIN | ₹553.70 | ₹1,107 | +100% |
| PNB Housing Finance Limited PNBHOUSING | ₹1,064 | ₹1,143 | +7% |
| Aadhar Housing Finance Limited AADHARHFC | ₹518.50 | ₹501.16 | -3% |
| OSB Group OSBGF | $6.65 | $13.30 | +100% |
| Walker & Dunlop, Inc WD | $53.00 | $32.55 | -39% |
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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Not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.