What is UWM Holdings's net debt?

UWM Holdings (UWMC) reported net debt of $2.68B in Q1 2026.

How has UWM Holdings's net debt changed year-over-year?

UWM Holdings's net debt increased by 10.6% year-over-year, from $2.42B to $2.68B.

What is the long-term trend for UWM Holdings's net debt?

Over 5 years (2020 to 2025), UWM Holdings's net debt has grown at a 54.4% compound annual growth rate (CAGR), from -$296.17M to $2.6B.

What does net debt mean?

Total debt minus cash and equivalents at the quarter end. The debt that would remain if the company used all its cash to pay down borrowings.

UWM Holdings UWMC Net debt

Discontinued — last reported Q1 '26

Net debt at other companies

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1.1×-0.3×

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6×+1.6×

UnifirstUNF

-0.2×-0.1×

HES

Hess MidstreamHESM

3.1×-0.1×

Helen Of TroyHELE

4.8×+2.6×

CorMedixCRMD

-0.9×—

Other financials

Income statement

See full

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

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Market cap$719.16M-11.6%

Enterprise value$3.4B+5.0%

P/E10.8×—

P/S0.2×-0.1×

Profitability

See full

Operating margin-0.1%—

Net margin1.9%+1.7pp

FCF margin-129.4%—

Returns & leverage

See full

Return on equity4.1%+3.8pp

Debt / equity1.9×+0.2×

Current ratio0×—

Where this comes from

Calculated from UWM Holdings’s reported figures.

$3.1Btotal debt−$424.0Mcash and equivalents=$2.68B

The official record: UWM Holdings’s 10-Q, filed May 11, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is UWM Holdings's net debt?: UWM Holdings (UWMC) reported net debt of $2.68B in Q1 2026.
How has UWM Holdings's net debt changed year-over-year?: UWM Holdings's net debt increased by 10.6% year-over-year, from $2.42B to $2.68B.
What is the long-term trend for UWM Holdings's net debt?: Over 5 years (2020 to 2025), UWM Holdings's net debt has grown at a 54.4% compound annual growth rate (CAGR), from -$296.17M to $2.6B.
What does net debt mean?: Total debt minus cash and equivalents at the quarter end. The debt that would remain if the company used all its cash to pay down borrowings.