UWM (UWMC) Stock Price, News & Analysis

Company Overview

United Wholesale Mortgage (NYSE: UWMC) is a leading mortgage lender in the United States specializing in the wholesale channel. The company partners with independent mortgage brokers, community banks and credit unions to offer a full suite of residential mortgage products. Through its network of third-party originators, United Wholesale Mortgage underwrites, funds and closes loans, allowing its partners to focus on customer acquisition and service.

The company’s product offerings include conventional fixed- and adjustable-rate mortgages, Federal Housing Administration (FHA) loans, Veterans Affairs (VA) loans, U.S. Department of Agriculture (USDA) loans, and renovation products such as the FHA 203(k) program. United Wholesale Mortgage has invested in proprietary technology platforms—including its point-of-sale system and digital document management tools—to streamline the loan application and approval process, reduce turnaround times and enhance transparency for broker partners and homebuyers.

Founded in 1986 and headquartered in Pontiac, Michigan, United Wholesale Mortgage was originally established as a family-run business. Under the leadership of Chief Executive Officer Mat Ishbia—who took the helm in the early 2010s—the company has achieved significant scale and operational efficiency, growing to become the nation’s largest wholesale mortgage lender by volume. Its management team blends deep industry experience with a focus on technological innovation and broker-centric service.

United Wholesale Mortgage serves broker partners and their customers across all 50 states, leveraging a decentralized service model supported by regional service centers. The company’s emphasis on rapid turn times, competitive pricing and responsive support has helped it capture market share among independent originators and small financial institutions. With a focus on growth through both organic expansion and strategic partnerships, United Wholesale Mortgage continues to evolve its product suite and digital infrastructure to meet the changing needs of its distribution network.

Key Stats

• Today's Range: $1.98 to $2.08
• 50-Day Range: $2.02 to $3.65
• 52-Week Range: $1.98 to $7.14
• Volume: 16.83 million shs
• Average Volume: 24.75 million shs
• Market Capitalization: $3.26 billion
• P/E Ratio: 7.53
• Dividend Yield: 19.68%
• Price Target: $4.89
• Consensus Rating: Hold

UWM Stock Analysis - MarketRank™

UWM scored higher than 95% of companies evaluated by MarketBeat, and ranked 104th out of 877 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 4.1 / 5
• Analyst Rating: Hold

Consensus Rating

UWM has received a consensus rating of Hold. The company's average rating score is 2.25, and is based on no strong buy ratings, 4 buy ratings, 7 hold ratings, and 1 sell rating.

Upside Potential

UWM has a consensus price target of $4.89, representing about 140.5% upside from its current price of $2.03.

Amount of Analyst Coverage

UWM has been the subject of 6 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 33.33%

Earnings Growth

Earnings for UWM are expected to grow by 33.33% in the coming year, from $0.36 to $0.48 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of UWM is 7.53, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 40.34.

Price to Earnings Ratio vs. Sector

The P/E ratio of UWM is 7.53, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 20.36.

Price to Book Value per Share Ratio

UWM has a P/B Ratio of 2.03. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

17.49% of the float of UWM has been sold short.

Short Interest Ratio / Days to Cover

UWM has a short interest ratio ("days to cover") of 2.19, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in UWM has recently increased by 25.73%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Leadership

UWM is a leading dividend payer. It pays a dividend yield of 18.18%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

UWM does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of UWM is 148.15%. Payout ratios above 75% are not desirable because they may not be sustainable.

Dividend Sustainability

Based on EPS estimates, UWM will have a dividend payout ratio of 83.33% in the coming year. This indicates that UWM may not be able to sustain their current dividend.

News and Social Media

• Score: 2.8 / 5
• News Sentiment: N/A

News Sentiment

UWM has a news sentiment score of 0.48. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.66 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 1 news article for UWM this week, compared to 6 articles on an average week.

Search Interest

14 people have searched for UWMC on MarketBeat in the last 30 days. This is an increase of 17% compared to the previous 30 days.

MarketBeat Follows

4 people have added UWM to their MarketBeat watchlist in the last 30 days. This is an increase of 100% compared to the previous 30 days.

Company Ownership

• Score: 2.1 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, UWM insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $58,829,050.00 in company stock.

Percentage Held by Insiders

80.30% of the stock of UWM is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

53.59% of the stock of UWM is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

Company Calendar

• Record date for 4/9 Dividend: 3/19/2026
• Ex-Dividend for 4/9 Dividend: 3/19/2026
• Dividend Payable: 4/09/2026
• Last Earnings: 5/06/2026
• Record date for 7/9 Dividend: 6/18/2026
• Ex-Dividend for 7/9 Dividend: 6/18/2026
• Today: 7/08/2026
• Dividend Payable: 7/09/2026
• Next Earnings (Estimated): 8/06/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: FIN - MTG&REL SVS
• Sub-Industry: Banking
• Current Symbol: NYSE:UWMC
• CIK: 1783398
• Web: www.uwm.com
• Phone: 800-981-8898
• Fax: 310-209-3310
• Employees: 9,100
• Year Founded: 1986

Price Target and Rating

• Average Price Target for UWM: $4.89
• High Price Target: $8.50
• Low Price Target: $3.75
• Potential Upside/Downside: +140.5%
• Consensus Rating: Hold
• Rating Score (0-4): 2.25
• Research Coverage: 12 Analysts

Profitability

• EPS (Trailing Twelve Months): $0.27
• Trailing P/E Ratio: 6.06
• Forward P/E Ratio: 5.65
• P/E Growth: N/A
• Net Income: $27.38 million
• Net Margins: 1.92%
• Pretax Margin: 19.99%
• Return on Equity: 19.01%
• Return on Assets: 1.85%

Debt

• Debt-to-Equity Ratio: 3.13
• Current Ratio: 1.52
• Quick Ratio: 1.52

Sales & Book Value

• Annual Sales: $3.16 billion
• Price / Sales: 1.03
• Cash Flow: $0.15 per share
• Price / Cash Flow: 13.19
• Book Value: $1.00 per share
• Price / Book: 2.03

Miscellaneous

• Outstanding Shares: 1,601,090,000
• Free Float: 315,414,000
• Market Cap: $3.26 billion
• Optionable: Optionable
• Beta: 1.76