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UWM (UWMC) Financials

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$5.84 +0.08 (+1.30%)
Closing price 10/24/2025 03:59 PM Eastern
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$5.84 0.00 (0.00%)
As of 10/24/2025 07:57 PM Eastern
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Annual Income Statements for UWM

Annual Income Statements for UWM

This table shows UWM's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2019 2020 2021 2022 2023 2024
Period end date 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 415 0.00 98 42 -13 14
Consolidated Net Income / (Loss)		 415 3,383 1,568 932 -70 329
Net Income / (Loss) Continuing Operations		 415 3,383 1,568 932 -70 329
Total Pre-Tax Income 		415 3,385 1,578 935 -76 336
Total Revenue		 1,278 4,772 2,666 2,373 1,311 2,164
Net Interest Income / (Expense)		 0.00 -5.88 27 314 346 509
Total Interest Income		 0.00 161 332 314 346 509
Loans and Leases Interest Income		 - 161 332 314 346 509
Total Interest Expense		 0.00 167 305 0.00 0.00 0.00
Total Non-Interest Income		 1,278 4,777 2,639 2,058 965 1,655
Other Service Charges		 257 288 639 792 819 637
Net Realized & Unrealized Capital Gains on Investments		 1,021 4,489 2,588 982 1,001 1,313
Other Non-Interest Income		 0.00 0.00 -588 284 -854 -295
Total Non-Interest Expense		 863 1,387 1,087 1,438 1,388 1,828
Salaries and Employee Benefits		 372 552 698 553 530 689
Net Occupancy & Equipment Expense		 - 0.00 -23 24 -0.01 -5.55
Marketing Expense		 23 20 62 74 85 97
Other Operating Expenses		 321 224 315 742 727 1,002
Depreciation Expense		 9.41 17 35 45 46 45
Income Tax Expense		 0.00 2.45 9.84 2.81 -6.51 6.58
Net Income / (Loss) Attributable to Noncontrolling Interest		 0.00 0.00 1,470 890 -57 315
Basic Earnings per Share		 $0.00 $0.00 $0.98 $0.45 ($0.14) $0.13
Weighted Average Basic Shares Outstanding		 0.00 0.00 100.88M 92.48M 93.25M 111.37M
Diluted Earnings per Share		 $0.00 $0.00 $0.66 $0.45 ($0.14) $0.13
Weighted Average Diluted Shares Outstanding		 0.00 0.00 1.60B 92.48M 93.25M 111.37M
Weighted Average Basic & Diluted Shares Outstanding		 - 103.10M 1.59B 1.60B 1.60B 1.60B

Quarterly Income Statements for UWM

This table shows UWM's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 12 -0.28 -12 7.56 18 -27 8.73 3.05 -6.30 8.92 -14
Consolidated Net Income / (Loss)		 326 -62 -139 229 301 -461 181 76 32 41 -247
Net Income / (Loss) Continuing Operations		 326 -62 -139 229 301 -461 181 76 32 41 -247
Total Pre-Tax Income 		330 -69 -140 230 302 -468 184 77 32 42 -261
Total Revenue		 611 494 98 505 677 31 471 398 526 768 225
Net Interest Income / (Expense)		 5.07 298 11 6.46 95 234 3.20 13 145 347 118
Total Interest Income		 78 107 75 89 95 88 102 121 145 140 118
Loans and Leases Interest Income		 78 107 75 89 95 88 102 121 145 140 118
Total Interest Expense		 73 -191 63 82 0.00 -146 99 109 0.00 -207 0.00
Total Non-Interest Income		 606 196 87 499 582 -202 468 386 381 420 107
Other Service Charges		 197 217 219 193 200 206 185 144 135 173 191
Net Realized & Unrealized Capital Gains on Investments		 172 129 205 305 289 201 299 242 692 80 305
Other Non-Interest Income		 237 -151 -337 - 93 - -16 - -446 - -389
Total Non-Interest Expense		 281 563 238 275 375 500 287 321 494 725 486
Salaries and Employee Benefits		 135 118 121 131 135 143 154 160 181 193 193
Net Occupancy & Equipment Expense		 6.73 - -0.24 2.70 -0.08 -2.39 -0.24 -1.11 0.42 -4.63 -2.85
Marketing Expense		 18 23 17 22 20 26 19 24 22 31 22
Other Operating Expenses		 110 400 88 108 208 322 103 126 278 495 262
Depreciation Expense		 11 12 12 11 12 11 11 11 12 11 11
Income Tax Expense		 4.77 -6.77 -1.00 1.21 0.73 -7.45 3.73 0.79 0.34 1.72 -14
Net Income / (Loss) Attributable to Noncontrolling Interest		 314 -62 -127 221 283 -434 172 73 38 32 -233
Basic Earnings per Share		 $0.13 ($0.01) ($0.13) $0.08 $0.20 ($0.29) $0.09 $0.03 ($0.06) $0.07 ($0.08)
Weighted Average Basic Shares Outstanding		 92.57M 92.48M 92.92M 93.11M 93.29M 93.25M 94.37M 95.39M 99.80M 111.37M 164.10M
Diluted Earnings per Share		 $0.13 $0.01 ($0.13) $0.08 $0.15 ($0.24) $0.09 $0.03 ($0.06) $0.07 ($0.12)
Weighted Average Diluted Shares Outstanding		 92.57M 92.48M 92.92M 93.11M 1.60B 93.25M 1.60B 95.39M 99.80M 111.37M 1.60B
Weighted Average Basic & Diluted Shares Outstanding		 1.59B 1.60B 1.60B 1.60B 1.60B 1.60B 1.60B 1.60B 1.60B 1.60B 1.60B

Annual Cash Flow Statements for UWM

This table details how cash moves in and out of UWM's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2019 2020 2021 2022 2023 2024
Period end date 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Change in Cash & Equivalents		 91 1,091 -493 -26 -207 9.87
Net Cash From Operating Activities		 -3,496 56 -9,957 8,268 165 -6,241
Net Cash From Continuing Operating Activities		 -3,496 56 -9,957 8,268 165 -6,241
Net Income / (Loss) Continuing Operations		 415 3,383 1,568 932 -70 329
Consolidated Net Income / (Loss)		 415 3,383 1,568 932 -70 329
Depreciation Expense		 9.41 17 38 49 50 49
Non-Cash Adjustments to Reconcile Net Income		 -1,065 -1,841 -1,948 -2,470 -1,350 -2,574
Changes in Operating Assets and Liabilities, net		 -2,975 -2,056 -9,616 9,757 1,535 -4,045
Net Cash From Investing Activities		 577 232 200 1,290 1,830 2,676
Net Cash From Continuing Investing Activities		 577 232 200 1,290 1,830 2,676
Purchase of Property, Leasehold Improvements and Equipment		 -17 -57 -65 -27 -26 -39
Sale and/or Maturity of Investments		 594 289 265 1,317 1,856 2,716
Net Cash From Financing Activities		 3,010 802 9,264 -9,585 -2,203 3,575
Net Cash From Continuing Financing Activities		 3,010 802 9,264 -9,585 -2,203 3,575
Issuance of Debt		 3,665 2,966 1,400 -8,160 1,166 2,845
Repayment of Debt		 -582 -490 8,562 -637 -2,729 1,492
Payment of Dividends		 -73 -1,970 -1,499 -788 -638 -754
Other Financing Activities, Net		 0.00 295 884 0.00 -1.31 -7.87
Cash Interest Paid		 158 162 287 242 341 477
Cash Income Taxes Paid		 0.00 0.00 1.78 0.00 -0.06 2.98

Quarterly Cash Flow Statements for UWM

This table details how cash moves in and out of UWM's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Net Change in Cash & Equivalents		 -159 -95 35 -105 95 -232 108 75 -44 -129 -22
Net Cash From Operating Activities		 -548 -2,545 1,993 -1,844 346 -329 -2,203 -1,317 -2,178 -543 594
Net Cash From Continuing Operating Activities		 -548 -2,545 1,993 -1,844 346 -329 -2,203 -1,317 -2,178 -543 594
Net Income / (Loss) Continuing Operations		 326 -62 -139 229 301 -461 181 76 32 41 -247
Consolidated Net Income / (Loss)		 326 -62 -139 229 301 -461 181 76 32 41 -247
Depreciation Expense		 12 13 13 12 13 12 12 12 13 12 13
Non-Cash Adjustments to Reconcile Net Income		 -924 -320 -186 -633 -711 180 -515 -514 -293 -1,252 -331
Changes in Operating Assets and Liabilities, net		 38 -2,175 2,305 -1,453 743 -61 -1,881 -892 -1,930 656 1,159
Net Cash From Investing Activities		 342 146 644 426 582 178 1,288 1,056 237 95 928
Net Cash From Continuing Investing Activities		 342 146 644 426 582 178 1,288 1,056 237 95 928
Purchase of Property, Leasehold Improvements and Equipment		 -5.38 -5.87 -7.95 -5.34 -6.33 -6.82 -6.97 -12 -12 -8.29 -18
Sale and/or Maturity of Investments		 347 152 652 432 588 184 1,294 1,068 250 103 946
Net Cash From Financing Activities		 47 2,304 -2,602 1,312 -832 -81 1,023 335 1,897 319 -1,545
Net Cash From Continuing Financing Activities		 47 2,304 -2,602 1,312 -832 -81 1,023 335 1,897 319 -1,545
Issuance of Debt		 -11,214 3,054 -1,684 2,506 -1,352 1,696 1,974 -1,588 394 2,066 314
Repayment of Debt		 11,420 -591 -757 -1,034 679 -1,617 -746 2,132 1,686 -1,579 -1,691
Payment of Dividends		 -160 -159 -159 -160 -160 -160 -204 -208 -182 -160 -167
Other Financing Activities, Net		 - - -1.31 - - -0.01 -0.90 - - -6.97 -0.34
Cash Interest Paid		 41 120 63 51 119 108 69 131 100 177 85
Cash Income Taxes Paid		 - - -0.12 - - 0.07 0.36 0.50 2.10 0.02 0.06

Annual Balance Sheets for UWM

This table presents UWM's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2019 2020 2021 2022 2023 2024
Period end date 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Total Assets		 0.41 11,493 22,528 13,601 11,872 15,671
Cash and Due from Banks		 0.00 1,224 731 705 497 507
Trading Account Securities		 - 7,978 17,130 7,331 5,593 9,720
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00
Premises and Equipment, Net		 - 108 152 152 146 146
Other Assets		 0.00 2,184 4,516 5,412 5,635 5,298
Total Liabilities & Shareholders' Equity		 0.41 11,493 22,528 13,601 11,872 15,671
Total Liabilities		 0.43 9,119 19,357 10,429 9,397 13,617
Short-Term Debt		 0.15 320 0.00 750 750 500
Long-Term Debt		 - 7,757 18,617 8,875 7,841 12,215
Other Long-Term Liabilities		 0.00 1,042 740 804 806 902
Total Equity & Noncontrolling Interests		 -0.01 2,374 3,171 3,172 2,475 2,054
Total Preferred & Common Equity		 -0.01 2,374 142 144 113 162
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 -0.01 2,374 142 144 113 162
Common Stock		 0.03 25 0.60 1.06 1.86 3.68
Retained Earnings		 -0.04 2,349 142 143 111 158
Noncontrolling Interest		 - 0.00 3,029 3,028 2,362 1,892

Quarterly Balance Sheets for UWM

This table presents UWM's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025
Total Assets		 11,890 10,948 12,426 12,204 12,797 12,922 15,120 14,048
Cash and Due from Banks		 800 740 635 730 606 680 636 485
Trading Account Securities		 5,842 4,976 6,443 5,757 7,481 8,397 10,318 8,549
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Premises and Equipment, Net		 152 152 150 147 145 147 148 154
Other Assets		 5,097 5,080 5,199 5,571 4,566 3,698 4,018 4,860
Total Liabilities & Shareholders' Equity		 11,890 10,948 12,426 12,204 12,797 12,922 15,120 14,048
Total Liabilities		 8,498 8,073 9,479 9,112 10,340 10,593 12,939 12,413
Short-Term Debt		 - 500 500 500 200 0.00 300 250
Long-Term Debt		 6,811 6,787 8,229 7,769 9,343 9,791 11,684 11,199
Other Long-Term Liabilities		 1,687 786 750 843 798 802 955 964
Total Equity & Noncontrolling Interests		 3,392 2,875 2,947 3,092 2,457 2,329 2,181 1,635
Total Preferred & Common Equity		 142 123 122 132 114 113 119 165
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 142 123 122 132 114 113 119 165
Common Stock		 0.94 1.20 1.43 1.64 2.24 2.47 2.80 4.46
Retained Earnings		 141 122 120 130 112 111 117 160
Noncontrolling Interest		 3,250 2,751 2,825 2,960 2,343 2,216 2,061 1,470

Annual Metrics And Ratios for UWM

This table displays calculated financial ratios and metrics derived from UWM's official financial filings.

Metric 2019 2020 2021 2022 2023 2024
Period end date 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Growth Metrics		 - - - - - -
Revenue Growth		 0.00% 273.24% -44.13% -10.99% -44.73% 65.00%
EBITDA Growth		 0.00% 626.88% -59.14% -39.11% -102.67% 1,566.60%
EBIT Growth		 0.00% 715.54% -53.37% -40.78% -108.16% 540.35%
NOPAT Growth		 0.00% 714.95% -53.63% -40.59% -105.73% 716.75%
Net Income Growth		 0.00% 714.95% -53.63% -40.59% -107.49% 572.01%
EPS Growth		 0.00% 0.00% 0.00% -31.82% -131.11% 192.86%
Operating Cash Flow Growth		 0.00% 101.61% -17,750.43% 183.04% -98.00% -3,877.14%
Free Cash Flow Firm Growth		 0.00% 0.00% -38.18% 201.59% -83.09% -301.11%
Invested Capital Growth		 0.00% 7,685,180.67% 108.46% -41.27% -13.53% 33.47%
Revenue Q/Q Growth		 0.00% 0.00% -30.64% -0.97% -10.65% 95.45%
EBITDA Q/Q Growth		 0.00% 0.00% -41.33% -23.33% -107.02% 406.00%
EBIT Q/Q Growth		 0.00% 0.00% -41.96% -24.37% -123.63% 292.21%
NOPAT Q/Q Growth		 0.00% 0.00% -41.92% -24.50% -116.25% 369.21%
Net Income Q/Q Growth		 0.00% 0.00% -41.92% -24.50% -121.23% 291.28%
EPS Q/Q Growth		 0.00% 0.00% 17.86% -16.67% -227.27% 172.22%
Operating Cash Flow Q/Q Growth		 0.00% 0.00% -95.71% 79.36% 108.06% -3.55%
Free Cash Flow Firm Q/Q Growth		 0.00% 0.00% 0.00% 65.38% 302.21% -15.31%
Invested Capital Q/Q Growth		 0.00% 0.00% 45.56% 25.43% -2.60% 4.27%
Profitability Metrics		 - - - - - -
EBITDA Margin		 42.57% 82.90% 60.63% 41.48% -2.00% 17.78%
EBIT Margin		 32.47% 70.94% 59.21% 39.39% -5.82% 15.53%
Profit (Net Income) Margin		 32.47% 70.89% 58.84% 39.28% -5.32% 15.22%
Tax Burden Percent		 100.00% 99.93% 99.38% 99.70% 91.47% 98.04%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 0.00% 0.07% 0.62% 0.30% 0.00% 1.96%
Return on Invested Capital (ROIC)		 305,193.46% 64.72% 9.73% 5.39% -0.45% 2.55%
ROIC Less NNEP Spread (ROIC-NNEP)		 305,193.46% 64.72% 9.73% 5.39% -0.63% 2.55%
Return on Net Nonoperating Assets (RNNOA)		 -3,269,462.85% 220.21% 46.84% 23.99% -2.02% 12.00%
Return on Equity (ROE)		 -2,964,269.39% 284.93% 56.57% 29.38% -2.47% 14.55%
Cash Return on Invested Capital (CROIC)		 0.00% -135.27% -60.60% 57.38% 14.06% -26.12%
Operating Return on Assets (OROA)		 100,621.34% 58.90% 9.28% 5.17% -0.60% 2.44%
Return on Assets (ROA)		 100,621.34% 58.86% 9.22% 5.16% -0.55% 2.39%
Return on Common Equity (ROCE)		 -2,964,269.39% 284.93% 25.67% 1.32% -0.11% 0.88%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 142.46% 1,101.40% 649.10% -62.00% 203.92%
Net Operating Profit after Tax (NOPAT)		 415 3,383 1,568 932 -53 329
NOPAT Margin		 32.47% 70.89% 58.84% 39.28% -4.07% 15.22%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.18% 0.00%
SG&A Expenses to Revenue		 30.94% 12.00% 27.65% 27.43% 46.88% 36.07%
Operating Expenses to Revenue		 67.53% 29.06% 40.79% 60.61% 105.82% 84.47%
Earnings before Interest and Taxes (EBIT)		 415 3,385 1,578 935 -76 336
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 544 3,956 1,616 984 -26 385
Valuation Ratios		 - - - - - -
Price to Book Value (P/BV)		 0.00 0.24 54.35 32.30 95.70 58.08
Price to Tangible Book Value (P/TBV)		 0.00 0.24 54.35 32.30 95.70 58.08
Price to Revenue (P/Rev)		 0.31 0.12 2.90 1.95 8.21 4.34
Price to Earnings (P/E)		 0.96 0.00 78.62 111.17 0.00 651.33
Dividend Yield		 0.00% 0.00% 8.28% 13.75% 5.93% 6.81%
Earnings Yield		 103.76% 0.00% 1.27% 0.90% 0.00% 0.15%
Enterprise Value to Invested Capital (EV/IC)		 2,942.31 0.71 1.32 1.30 1.92 1.59
Enterprise Value to Revenue (EV/Rev)		 0.31 1.56 10.75 6.99 16.19 10.85
Enterprise Value to EBITDA (EV/EBITDA)		 0.74 1.88 17.73 16.85 0.00 61.03
Enterprise Value to EBIT (EV/EBIT)		 0.96 2.20 18.16 17.75 0.00 69.90
Enterprise Value to NOPAT (EV/NOPAT)		 0.96 2.20 18.27 17.80 0.00 71.29
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 131.79 0.00 2.01 128.46 0.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 1.67 12.65 0.00
Leverage & Solvency		 - - - - - -
Debt to Equity		 -10.71 3.40 5.87 3.03 3.47 6.19
Long-Term Debt to Equity		 0.00 3.27 5.87 2.80 3.17 5.95
Financial Leverage		 -10.71 3.40 4.81 4.45 3.23 4.70
Leverage Ratio		 -29.46 4.84 6.14 5.70 4.51 6.08
Compound Leverage Factor		 -29.46 4.84 6.14 5.70 4.51 6.08
Debt to Total Capital		 110.30% 77.28% 85.45% 75.22% 77.64% 86.09%
Short-Term Debt to Total Capital		 110.30% 3.06% 0.00% 5.86% 6.78% 3.39%
Long-Term Debt to Total Capital		 0.00% 74.22% 85.45% 69.35% 70.86% 82.71%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 13.90% 23.66% 21.35% 12.81%
Common Equity to Total Capital		 -10.30% 22.72% 0.65% 1.12% 1.02% 1.09%
Debt to EBITDA		 0.00 2.04 11.52 9.78 -327.49 33.05
Net Debt to EBITDA		 0.00 1.73 11.07 9.06 -308.53 31.73
Long-Term Debt to EBITDA		 0.00 1.96 11.52 9.02 -298.90 31.75
Debt to NOPAT		 0.00 2.39 11.87 10.33 -160.87 38.60
Net Debt to NOPAT		 0.00 2.03 11.40 9.57 -151.55 37.06
Long-Term Debt to NOPAT		 0.00 2.29 11.87 9.52 -146.82 37.09
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 54.62% 95.49% 95.46% 93.95%
Liquidity Ratios		 - - - - - -
Cash Flow Metrics		 - - - - - -
Free Cash Flow to Firm (FCFF)		 0.00 -7,069 -9,768 9,923 1,678 -3,374
Operating Cash Flow to CapEx		 -20,840.61% 98.47% -15,228.44% 31,065.87% 625.12% -15,819.28%
Free Cash Flow to Firm to Interest Expense		 0.00 -42.32 -32.06 0.00 0.00 0.00
Operating Cash Flow to Interest Expense		 0.00 0.34 -32.68 0.00 0.00 0.00
Operating Cash Flow Less CapEx to Interest Expense		 0.00 -0.01 -32.90 0.00 0.00 0.00
Efficiency Ratios		 - - - - - -
Asset Turnover		 3,099.25 0.83 0.16 0.13 0.10 0.16
Fixed Asset Turnover		 0.00 0.00 20.56 15.60 8.77 14.79
Capital & Investment Metrics		 - - - - - -
Invested Capital		 0.14 10,452 21,788 12,797 11,066 14,769
Invested Capital Turnover		 9,400.29 0.91 0.17 0.14 0.11 0.17
Increase / (Decrease) in Invested Capital		 0.00 10,452 11,336 -8,991 -1,731 3,703
Enterprise Value (EV)		 400 7,435 28,655 16,586 21,227 23,482
Market Capitalization		 400 581 7,740 4,638 10,771 9,382
Book Value per Share		 $0.00 $44.69 $0.09 $0.09 $0.07 $0.10
Tangible Book Value per Share		 $0.00 $44.69 $0.09 $0.09 $0.07 $0.10
Total Capital		 0.14 10,452 21,788 12,797 11,066 14,769
Total Debt		 0.15 8,078 18,617 9,625 8,591 12,715
Total Long-Term Debt		 0.00 7,757 18,617 8,875 7,841 12,215
Net Debt		 0.15 6,854 17,886 8,920 8,094 12,208
Capital Expenditures (CapEx)		 17 57 65 27 26 39
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 16 0.00
Net Nonoperating Obligations (NNO)		 0.15 8,078 18,617 9,625 8,591 12,715
Total Depreciation and Amortization (D&A)		 129 571 38 49 50 49
Earnings Adjustments		 - - - - - -
Adjusted Basic Earnings per Share		 $0.00 ($0.12) $0.98 $0.45 ($0.14) $0.13
Adjusted Weighted Average Basic Shares Outstanding		 0.00 103.10M 100.88M 92.48M 93.25M 111.37M
Adjusted Diluted Earnings per Share		 $0.00 ($0.12) $0.66 $0.45 ($0.14) $0.13
Adjusted Weighted Average Diluted Shares Outstanding		 0.00 103.10M 1.60B 92.48M 93.25M 111.37M
Adjusted Basic & Diluted Earnings per Share		 $0.00 ($0.12) $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 0.00 103.10M 1.59B 1.60B 1.60B 1.60B
Normalized Net Operating Profit after Tax (NOPAT)		 387 3,955 1,568 932 -53 329
Normalized NOPAT Margin		 30.27% 82.89% 58.84% 39.28% -4.07% 15.22%
Pre Tax Income Margin		 32.47% 70.94% 59.21% 39.39% -5.82% 15.53%
Debt Service Ratios		 - - - - - -
EBIT to Interest Expense		 0.00 20.26 5.18 0.00 0.00 0.00
NOPAT to Interest Expense		 0.00 20.25 5.15 0.00 0.00 0.00
EBIT Less CapEx to Interest Expense		 0.00 19.92 4.97 0.00 0.00 0.00
NOPAT Less CapEx to Interest Expense		 0.00 19.91 4.93 0.00 0.00 0.00
Payout Ratios		 - - - - - -
Dividend Payout Ratio		 17.54% 58.23% 95.60% 84.56% -914.38% 228.85%
Augmented Payout Ratio		 17.54% 58.23% 100.81% 84.56% -914.38% 228.85%

Quarterly Metrics And Ratios for UWM

This table displays calculated financial ratios and metrics derived from UWM's official financial filings.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 1.82% -4.49% -87.13% -0.31% 10.81% -93.69% 380.96% -21.11% -22.25% 2,364.92% -60.56%
EBITDA Growth		 -0.07% -123.16% -127.06% 6.06% -8.25% -709.76% 254.84% -63.36% -85.72% 111.95% -226.25%
EBIT Growth		 -0.89% -129.87% -130.53% 6.38% -8.67% -576.32% 231.98% -66.49% -89.30% 109.04% -241.54%
NOPAT Growth		 -1.29% -120.21% -121.56% 6.20% -7.56% -576.32% 284.72% -66.66% -89.39% 112.39% -201.13%
Net Income Growth		 -1.29% -126.05% -130.58% 6.20% -7.56% -637.72% 230.24% -66.66% -89.39% 108.81% -236.83%
EPS Growth		 -18.75% -90.00% -159.09% -11.11% 15.38% -2,500.00% 169.23% -62.50% -140.00% 129.17% -233.33%
Operating Cash Flow Growth		 -192.53% 58.98% -83.04% -371.62% 163.13% 87.06% -210.53% 28.58% -729.75% -64.99% 126.96%
Free Cash Flow Firm Growth		 135.78% 180.59% -1,162.41% -127.95% -116.84% -84.31% -80.83% 77.42% -223.28% -361.02% 23.54%
Invested Capital Growth		 -31.84% -41.27% 8.76% 18.88% 11.35% -13.53% 18.09% 3.80% 24.68% 33.47% 9.04%
Revenue Q/Q Growth		 20.60% -19.24% -47.74% 415.44% 34.06% -95.40% 341.20% -15.46% 32.12% 45.80% -70.71%
EBITDA Q/Q Growth		 50.13% -116.43% -125.48% 290.75% 29.87% -244.97% 143.11% -54.86% -49.39% 21.34% -555.44%
EBIT Q/Q Growth		 52.80% -120.96% -101.59% 264.74% 31.18% -255.24% 139.34% -58.17% -58.11% 31.10% -716.12%
NOPAT Q/Q Growth		 51.13% -114.89% -101.59% 334.11% 31.56% -208.93% 155.06% -57.74% -58.12% 27.13% -549.54%
Net Income Q/Q Growth		 51.13% -119.19% -121.84% 265.06% 31.56% -253.15% 139.16% -57.74% -58.12% 27.13% -708.25%
EPS Q/Q Growth		 44.44% -92.31% -1,400.00% 161.54% 87.50% -260.00% 137.50% -66.67% -300.00% 216.67% -271.43%
Operating Cash Flow Q/Q Growth		 -40.10% -364.45% 178.32% -192.54% 118.76% -195.19% -568.98% 40.20% -65.38% 75.06% 209.32%
Free Cash Flow Firm Q/Q Growth		 -12.45% 75.64% -110.25% -77.32% 47.25% 263.67% -218.11% 77.85% -655.15% -32.15% 65.40%
Invested Capital Q/Q Growth		 3.87% 25.43% -20.59% 14.90% -2.70% -2.60% 8.44% 1.00% 16.88% 4.27% -11.41%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 56.10% -11.41% -129.57% 47.95% 46.45% -1,464.35% 41.71% 22.27% 8.53% 7.10% -110.41%
EBIT Margin		 54.07% -14.03% -142.48% 45.54% 44.56% -1,504.30% 39.10% 19.34% 6.13% 5.52% -116.03%
Profit (Net Income) Margin		 53.29% -12.66% -141.46% 45.30% 44.45% -1,480.36% 38.31% 19.15% 6.07% 5.29% -109.90%
Tax Burden Percent		 98.56% 90.22% 99.28% 99.47% 99.76% 98.41% 97.97% 98.98% 98.93% 95.94% 94.71%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 1.44% 0.00% 0.00% 0.53% 0.24% 0.00% 2.03% 1.02% 1.07% 4.06% 0.00%
Return on Invested Capital (ROIC)		 10.14% -1.35% -14.35% 5.91% 6.05% -115.73% 4.72% 2.02% 0.53% 0.89% -11.78%
ROIC Less NNEP Spread (ROIC-NNEP)		 10.14% -1.45% -14.96% 5.91% 6.05% -117.19% 4.72% 2.02% 0.53% 0.89% -12.39%
Return on Net Nonoperating Assets (RNNOA)		 29.84% -6.44% -33.34% 14.67% 14.07% -378.09% 14.89% 7.10% 2.02% 4.17% -63.56%
Return on Equity (ROE)		 39.98% -7.79% -47.69% 20.58% 20.12% -493.82% 19.61% 9.13% 2.55% 5.06% -75.33%
Cash Return on Invested Capital (CROIC)		 47.67% 57.38% -4.91% -13.96% -7.70% 14.06% -14.34% -2.91% -22.93% -26.12% -9.26%
Operating Return on Assets (OROA)		 9.13% -1.84% -18.23% 5.45% 5.43% -154.88% 4.49% 1.92% 0.50% 0.87% -15.72%
Return on Assets (ROA)		 9.00% -1.66% -18.10% 5.42% 5.42% -152.42% 4.40% 1.90% 0.49% 0.83% -14.89%
Return on Common Equity (ROCE)		 1.71% -0.35% -2.08% 0.87% 0.85% -22.40% 0.87% 0.41% 0.12% 0.31% -5.14%
Return on Equity Simple (ROE_SIMPLE)		 868.29% 0.00% 275.65% 290.06% 249.24% 0.00% 218.31% 85.34% -144.26% 0.00% -59.55%
Net Operating Profit after Tax (NOPAT)		 326 -48 -98 229 301 -328 181 76 32 41 -183
NOPAT Margin		 53.29% -9.82% -99.74% 45.30% 44.45% -1,053.01% 38.31% 19.15% 6.07% 5.29% -81.22%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.10% 0.61% 0.00% 0.00% 1.46% 0.00% 0.00% 0.00% 0.00% 0.61%
SG&A Expenses to Revenue		 26.10% 28.62% 140.80% 30.82% 22.95% 532.22% 36.73% 46.09% 38.82% 28.57% 94.38%
Operating Expenses to Revenue		 45.93% 114.03% 242.48% 54.46% 55.44% 1,604.30% 60.90% 80.66% 93.87% 94.48% 216.03%
Earnings before Interest and Taxes (EBIT)		 330 -69 -140 230 302 -468 184 77 32 42 -261
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 343 -56 -127 242 315 -456 197 89 45 54 -248
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 29.08 32.30 58.68 68.97 55.58 95.70 100.03 97.56 114.04 58.08 52.93
Price to Tangible Book Value (P/TBV)		 29.08 32.30 58.68 68.97 55.58 95.70 100.03 97.56 114.04 58.08 52.93
Price to Revenue (P/Rev)		 1.73 1.95 5.16 5.99 4.99 8.21 8.37 8.80 12.30 4.34 4.80
Price to Earnings (P/E)		 70.14 111.17 922.56 1,193.91 540.15 0.00 1,535.46 3,774.87 0.00 651.33 0.00
Dividend Yield		 15.43% 13.75% 8.82% 7.60% 8.70% 5.93% 5.59% 5.77% 4.69% 6.81% 7.33%
Earnings Yield		 1.43% 0.90% 0.11% 0.08% 0.19% 0.00% 0.07% 0.03% 0.00% 0.15% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 1.31 1.30 1.63 1.65 1.57 1.92 1.89 1.85 1.91 1.59 1.62
Enterprise Value to Revenue (EV/Rev)		 5.59 6.99 11.78 13.78 12.15 16.19 16.64 17.81 24.41 10.85 11.64
Enterprise Value to EBITDA (EV/EBITDA)		 10.44 16.85 42.63 48.09 47.75 0.00 76.37 155.67 0.00 61.03 0.00
Enterprise Value to EBIT (EV/EBIT)		 10.84 17.75 48.96 54.96 55.23 0.00 91.71 236.62 0.00 69.90 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 10.85 17.80 48.64 54.68 54.25 0.00 91.05 231.25 0.00 71.29 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 2.91 2.01 0.00 0.00 0.00 128.46 0.00 0.00 0.00 0.00 0.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 2.23 1.67 0.00 0.00 0.00 12.65 0.00 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 2.01 3.03 2.54 2.96 2.67 3.47 3.88 4.20 5.50 6.19 7.00
Long-Term Debt to Equity		 2.01 2.80 2.36 2.79 2.51 3.17 3.80 4.20 5.36 5.95 6.85
Financial Leverage		 2.94 4.45 2.23 2.48 2.33 3.23 3.16 3.51 3.84 4.70 5.13
Leverage Ratio		 4.44 5.70 3.63 3.80 3.72 4.51 4.45 4.80 5.18 6.08 6.56
Compound Leverage Factor		 4.44 5.70 3.63 3.80 3.72 4.51 4.45 4.80 5.18 6.08 6.56
Debt to Total Capital		 66.75% 75.22% 71.71% 74.76% 72.78% 77.64% 79.52% 80.78% 84.61% 86.09% 87.50%
Short-Term Debt to Total Capital		 0.00% 5.86% 4.92% 4.28% 4.40% 6.78% 1.67% 0.00% 2.12% 3.39% 1.91%
Long-Term Debt to Total Capital		 66.75% 69.35% 66.79% 70.48% 68.38% 70.86% 77.86% 80.78% 82.49% 82.71% 85.59%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 31.85% 23.66% 27.07% 24.20% 26.06% 21.35% 19.52% 18.28% 14.55% 12.81% 11.24%
Common Equity to Total Capital		 1.39% 1.12% 1.21% 1.04% 1.16% 1.02% 0.95% 0.94% 0.84% 1.09% 1.26%
Debt to EBITDA		 5.31 9.78 18.79 21.73 22.14 -327.49 32.10 68.05 -95.32 33.05 -190.70
Net Debt to EBITDA		 4.68 9.06 16.88 20.15 20.19 -308.53 30.06 63.32 -90.26 31.73 -182.62
Long-Term Debt to EBITDA		 5.31 9.02 17.50 20.49 20.80 -298.90 31.42 68.05 -92.93 31.75 -186.53
Debt to NOPAT		 5.52 10.33 21.44 24.71 25.16 -160.87 38.27 101.09 -97.95 38.60 -149.89
Net Debt to NOPAT		 4.87 9.57 19.26 22.91 22.94 -151.55 35.84 94.06 -92.75 37.06 -143.54
Long-Term Debt to NOPAT		 5.52 9.52 19.97 23.29 23.64 -146.82 37.47 101.09 -95.50 37.09 -146.61
Noncontrolling Interest Sharing Ratio		 95.73% 95.49% 95.65% 95.78% 95.77% 95.46% 95.54% 95.54% 95.24% 93.95% 93.18%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 5,092 8,943 -917 -1,625 -857 1,403 -1,657 -367 -2,772 -3,663 -1,267
Operating Cash Flow to CapEx		 -10,185.52% -43,320.40% 25,061.90% -34,563.57% 5,465.37% -4,830.12% -31,589.56% -11,046.45% -17,760.44% -6,550.80% 3,343.27%
Free Cash Flow to Firm to Interest Expense		 69.62 0.00 -14.48 -19.72 0.00 0.00 -16.80 -3.38 0.00 0.00 0.00
Operating Cash Flow to Interest Expense		 -7.49 0.00 31.49 -22.37 0.00 0.00 -22.32 -12.12 0.00 0.00 0.00
Operating Cash Flow Less CapEx to Interest Expense		 -7.56 0.00 31.37 -22.44 0.00 0.00 -22.40 -12.23 0.00 0.00 0.00
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.17 0.13 0.13 0.12 0.12 0.10 0.11 0.10 0.08 0.16 0.14
Fixed Asset Turnover		 16.08 15.60 9.24 9.24 9.83 8.77 9.17 8.49 7.52 14.79 12.16
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 10,203 12,797 10,162 11,676 11,361 11,066 12,000 12,120 14,165 14,769 13,084
Invested Capital Turnover		 0.19 0.14 0.14 0.13 0.14 0.11 0.12 0.11 0.09 0.17 0.15
Increase / (Decrease) in Invested Capital		 -4,766 -8,991 819 1,854 1,158 -1,731 1,838 443 2,804 3,703 1,085
Enterprise Value (EV)		 13,395 16,586 16,535 19,320 17,830 21,227 22,705 22,398 27,021 23,482 21,161
Market Capitalization		 4,134 4,638 7,237 8,400 7,330 10,771 11,425 11,072 13,612 9,382 8,727
Book Value per Share		 $0.09 $0.09 $0.08 $0.08 $0.08 $0.07 $1.21 $0.07 $0.07 $0.10 $1.00
Tangible Book Value per Share		 $0.09 $0.09 $0.08 $0.08 $0.08 $0.07 $1.21 $0.07 $0.07 $0.10 $1.00
Total Capital		 10,203 12,797 10,162 11,676 11,361 11,066 12,000 12,120 14,165 14,769 13,084
Total Debt		 6,811 9,625 7,287 8,729 8,269 8,591 9,543 9,791 11,984 12,715 11,449
Total Long-Term Debt		 6,811 8,875 6,787 8,229 7,769 7,841 9,343 9,791 11,684 12,215 11,199
Net Debt		 6,011 8,920 6,547 8,094 7,539 8,094 8,937 9,110 11,348 12,208 10,964
Capital Expenditures (CapEx)		 5.38 5.87 7.95 5.34 6.33 6.82 6.97 12 12 8.29 18
Net Nonoperating Expense (NNE)		 0.00 14 41 0.00 0.00 133 0.00 0.00 0.00 0.00 64
Net Nonoperating Obligations (NNO)		 6,811 9,625 7,287 8,729 8,269 8,591 9,543 9,791 11,984 12,715 11,449
Total Depreciation and Amortization (D&A)		 12 13 13 12 13 12 12 12 13 12 13
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.13 ($0.01) ($0.13) $0.08 $0.20 ($0.29) $0.09 $0.03 ($0.06) $0.07 ($0.08)
Adjusted Weighted Average Basic Shares Outstanding		 92.57M 92.48M 92.92M 93.11M 93.29M 93.25M 94.37M 95.39M 99.80M 111.37M 164.10M
Adjusted Diluted Earnings per Share		 $0.13 $0.01 ($0.13) $0.08 $0.15 ($0.24) $0.09 $0.03 ($0.06) $0.07 ($0.12)
Adjusted Weighted Average Diluted Shares Outstanding		 92.57M 92.48M 92.92M 93.11M 1.60B 93.25M 1.60B 95.39M 99.80M 111.37M 1.60B
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 1.59B 1.60B 1.60B 1.60B 1.60B 1.60B 1.60B 1.60B 1.60B 1.60B 1.60B
Normalized Net Operating Profit after Tax (NOPAT)		 326 -48 -98 229 301 -328 181 76 32 41 -183
Normalized NOPAT Margin		 53.29% -9.82% -99.74% 45.30% 44.45% -1,053.01% 38.31% 19.15% 6.07% 5.29% -81.22%
Pre Tax Income Margin		 54.07% -14.03% -142.48% 45.54% 44.56% -1,504.30% 39.10% 19.34% 6.13% 5.52% -116.03%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 4.52 0.00 -2.21 2.79 0.00 0.00 1.87 0.71 0.00 0.00 0.00
NOPAT to Interest Expense		 4.45 0.00 -1.54 2.78 0.00 0.00 1.83 0.70 0.00 0.00 0.00
EBIT Less CapEx to Interest Expense		 4.44 0.00 -2.33 2.73 0.00 0.00 1.80 0.60 0.00 0.00 0.00
NOPAT Less CapEx to Interest Expense		 4.38 0.00 -1.67 2.71 0.00 0.00 1.76 0.59 0.00 0.00 0.00
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 51.79% 84.56% 187.62% 180.54% 193.93% -914.38% 273.59% 754.41% -437.60% 228.85% -730.54%
Augmented Payout Ratio		 51.79% 84.56% 187.62% 180.54% 193.93% -914.38% 273.59% 754.41% -437.60% 228.85% -730.54%

Financials Breakdown Chart

Key Financial Trends

UWM Holdings Corp (NYSE: UWMC) has shown significant fluctuations in its financial performance and financial position over the last four years. Below are some key observations and trends from the quarterly financial statements spanning Q3 2022 through Q1 2025.

  • Revenue Growth and Volatility: Total revenue peaked around Q3 2023 at $677 million but declined sharply to about $225 million by Q1 2025. The revenue was notably supported by large fluctuations in net realized & unrealized capital gains on investments and other service charges, showing the firm's exposure to investment market volatility.
  • Improvement in Net Interest Income in Recent Quarters: Net interest income rose significantly from a few million USD in early 2023 to $118 million in Q1 2025, indicating some strengthening core business income from loans and leases, albeit the net interest expense was mostly zero or negative in later quarters.
  • Large Operating Loss in Q1 2025: The company reported a consolidated net loss of $247 million in Q1 2025, the worst quarter in recent history, a decline from profitability in 2023 and 2024 quarters. This was largely due to the significant increase in non-interest expenses totaling almost $486 million and negative other non-interest income (-$388 million).
  • Operating Expense Growth: Non-interest expenses have increased substantially over the periods, with items such as other operating expenses reaching $262 million in Q1 2025, up from much lower amounts in earlier years. This has pressured margins and profitability.
  • Cash Flow from Operations Recovery in Q1 2025: Despite losses, Q1 2025 showed $594 million net cash from operating activities, driven by significant positive changes in operating assets and liabilities, which reflects operational cash flow management or working capital adjustments.
  • Heavy Debt and Long-Term Leverage Position: Total liabilities remain very high, around $12.4 billion in Q1 2025 with long-term debt accounting for nearly $11.2 billion, showing the company’s reliance on debt financing and risk of high interest burdens.
  • Decline in Equity and Noncontrolling Interest: Total equity and noncontrolling interests have decreased from over $3.3 billion in 2022-2023 to approximately $1.6 billion in Q1 2025, indicating erosion of shareholder value primarily due to ongoing losses.
  • Fluctuations in Cash and Securities: Cash and equivalents declined from $799 million in Q3 2022 to $485 million in Q1 2025, while trading securities showed large changes, reflecting active portfolio management or liquidity needs.
  • Depreciation and Capex Trends: Depreciation expense has remained relatively stable around $11-13 million quarterly, while capital expenditures have increased slightly but remain modest relative to cash flows.
  • Dividends and Financing Activities: The company continues to pay dividends between $150-210 million quarterly, even in loss quarters, which might pressure free cash flow, alongside considerable debt repayments exceeding issuances in several recent quarters.

Summary: UWM’s financials reveal a business dealing with volatile market-driven investment income and rising operating expenses, leading to swings between profitability and losses. The strong increase in total liabilities and erosion in equity pose financial risk concerns, while cash flow from operations shows some resilience. Investors should watch how the company manages cost control, profitability recovery, and debt leverage going forward.

10/25/25 05:48 AM ETAI Generated. May Contain Errors.

Frequently Asked Questions About UWM's Financials

When does UWM's fiscal year end?

According to the most recent income statement we have on file, UWM's financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has UWM's net income changed over the last 5 years?

UWM's net income appears to be on a downward trend, with a most recent value of $329.38 million in 2024, falling from $415.06 million in 2019. The previous period was -$69.78 million in 2023. Find out what analysts predict for UWM in the coming months.

How has UWM's revenue changed over the last 5 years?

Over the last 5 years, UWM's total revenue changed from $1.28 billion in 2019 to $2.16 billion in 2024, a change of 69.2%.

How much debt does UWM have?

UWM's total liabilities were at $13.62 billion at the end of 2024, a 44.9% increase from 2023, and a 3,192,724.3% increase since 2019.

How much cash does UWM have?

In the past 5 years, UWM's cash and equivalents has ranged from $1.12 thousand in 2019 to $1.22 billion in 2020, and is currently $507.34 million as of their latest financial filing in 2024.

How has UWM's book value per share changed over the last 5 years?

Over the last 5 years, UWM's book value per share changed from 0.00 in 2019 to 0.10 in 2024, a change of -25,375.0%.


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This page (NYSE:UWMC) was last updated on 10/25/2025 by MarketBeat.com Staff
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