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UWM Holdings

UWMC

UWM Holdings Corporation is the largest residential mortgage lender in the United States by closed loan volume, operating exclusively through the wholesale channel.

Market cap
$620.78M-23.9%
Revenue$3.4B+27.6%
Net income$66.4M+929%
Free cash flow-$5.3B+1.4%
EPS (diluted)$0.27+438%
Trailing twelve months · change vs. prior year

Earnings

Next report

Aug 6, 2026 (In 1 week)
Revenue estimate$727.5M
EPS estimate$0.09

Financials

Q1 2026

Income statement

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Revenue$901.4M+47.0%
Net income$25.3M+285%
EPS (diluted)$0.09+175%

Balance sheet

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Cash & equivalents$424.0M-12.6%
Total debt$3.1B+6.7%
Total equity$1.6B-2.1%
Total assets$19.3B+37.1%

Cash flow

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Operating cash flow-$2.2B-475%
CapEx$19.1M+7.3%
Free cash flow-$2.2B-490%

Valuation & ratios

Valuation

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Market cap$590.25M-23.9%
Enterprise value$3.27B+0.7%
P/E8.9×-59.9×
P/S0.2×-0.1×

Profitability

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Net margin1.9%+1.7pp

Returns & leverage

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Return on equity4.1%+3.8pp
Debt / equity1.9×+0.2×

Competitors

Profile

UWM Holdings Corporation is the largest residential mortgage lender in the United States by closed loan volume, operating exclusively through the wholesale channel. The company provides independent mortgage brokers with technology, underwriting, and closing services to facilitate residential home loans. Its core value proposition centers on a non-compete model with its broker partners, leveraging proprietary technology to deliver industry-leading speed to close.

Competitive position

The company is the dominant leader in the wholesale mortgage channel and the largest overall residential mortgage lender in the U.S. by volume.

GeographiesUnited States
Customer segmentsIndependent Mortgage Brokers, Institutional Investors
Business modelB2B2C, Transaction-based, Asset Management
SuppliersWarehouse facility lenders, Technology infrastructure providers, Independent appraisers
CustomersFannie Mae, Freddie Mac, Ginnie Mae, Secondary market institutional investors
Listed2021
Employees6.7K
CEOMathew R. Ishbia
Websiteuwm.com
FilingsSEC EDGAR

Questions, answered.

What is UWM Holdings's market cap?
UWM Holdings (UWMC) has a market capitalization of $620.8M and trades on NYSE.
What is UWM Holdings's revenue and profitability?
UWM Holdings generated $3.4B in trailing twelve-month revenue with net income of $66.4M, representing a net margin of 1.9%, with free cash flow of -$5.3B. These figures are based on the Q1 2026 filing.
Who are UWM Holdings's competitors?
UWM Holdings's key competitors include Pennymac Financial Services, Rocket Companies, loanDepot, Inc., and others. These companies compete in similar markets and product categories.
Who does UWM Holdings partner with?
UWM Holdings's notable partners include Fannie Mae, Freddie Mac, Ginnie Mae.
What subsidiaries does UWM Holdings have?
UWM Holdings's subsidiaries include United Wholesale Mortgage, LLC.
Where is UWM Holdings headquartered?
UWM Holdings is headquartered in United States of America and employs approximately 6,700 people. It has been publicly traded since 2021.