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UWM Holdings Corp

UWMC Clue Score31
United States Fiscal year ends December CIK 0001783398
$1.08 -0.92% Close, 9 Oct 2026
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Price $1.08 −83.31% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 4 Mar 2021. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueOperating incomeNet income
Fiscal year 2019Revenue1.28Fiscal year 2020Revenue4.94 +286.3%Operating income−0.01Net income−0.01Fiscal year 2021Revenue2.97 −39.9%Net income0.10EPS, diluted0.66Fiscal year 2022Revenue2.37 −20.1%Net income0.04 −57.6%EPS, diluted0.45Fiscal year 2023Revenue2.17 −8.7%Net income−0.01 −131.7%EPS, diluted−0.14Fiscal year 2024Revenue2.67 +23.5%Net income0.01EPS, diluted0.13Fiscal year 2025Revenue3.16 +18.2%Net income0.03 +90.1%EPS, diluted0.12
FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue 1.28 4.94 2.97 2.37 2.17 2.67 3.16
Growth +286.3% −39.9% −20.1% −8.7% +23.5% +18.2%
Operating income n/a −0.01 n/a n/a n/a n/a n/a
Net income n/a −0.01 0.10 0.04 −0.01 0.01 0.03
Growth −57.6% −131.7% +90.1%
EPS, diluted n/a n/a 0.66 0.45 −0.14 0.13 0.12

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Operating marginNet margin
Fiscal year 2019Free cash flow margin−274.8%Fiscal year 2020Operating margin−0.1%Net margin−0.1%Free cash flow margin−0.0%Fiscal year 2021Net margin3.3%Free cash flow margin−337.4%Fiscal year 2022Net margin1.8%Free cash flow margin347.4%Fiscal year 2023Net margin−0.6%Free cash flow margin6.4%Fiscal year 2024Net margin0.5%Free cash flow margin−234.9%Fiscal year 2025Net margin0.9%Free cash flow margin−86.1%
FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating margin n/a −0.1% n/a n/a n/a n/a n/a
Net margin n/a −0.1% 3.3% 1.8% −0.6% 0.5% 0.9%
Free cash flow margin −274.8% −0.0% −337.4% 347.4% 6.4% −234.9% −86.1%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2019Operating cash flow−3.50Capital expenditure−0.02Free cash flow−3.51Buybacks0.00Dividends paid0.00Fiscal year 2020Operating cash flow0.06Capital expenditure−0.06Free cash flow−0.00Buybacks0.00Dividends paid0.00Fiscal year 2021Operating cash flow−9.96Capital expenditure−0.07Free cash flow−10.02Buybacks−0.08Dividends paid−0.03Fiscal year 2022Operating cash flow8.27Capital expenditure−0.03Free cash flow8.24Buybacks0.00Dividends paid−0.04Fiscal year 2023Operating cash flow0.17Capital expenditure−0.03Free cash flow0.14 −98.3%Buybacks0.00Dividends paid−0.04Fiscal year 2024Operating cash flow−6.24Capital expenditure−0.04Free cash flow−6.28 −4,624.9%Dividends paid−0.04Fiscal year 2025Operating cash flow−2.65Capital expenditure−0.07Free cash flow−2.72Dividends paid−0.08
FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow −3.50 0.06 −9.96 8.27 0.17 −6.24 −2.65
Capital expenditure −0.02 −0.06 −0.07 −0.03 −0.03 −0.04 −0.07
Free cash flow −3.51 −0.00 −10.02 8.24 0.14 −6.28 −2.72
Growth −98.3% −4,624.9%
Buybacks 0.00 0.00 −0.08 0.00 0.00 n/a n/a
Dividends paid 0.00 0.00 −0.03 −0.04 −0.04 −0.04 −0.08

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2019Cash0.00Shareholders’ equity−0.00Fiscal year 2020Cash1.22Total debt0.80Net cash (debt)0.42Shareholders’ equity0.01Debt to equity160.00Fiscal year 2021Cash0.73Total debt2.00Net cash (debt)−1.27Shareholders’ equity3.17Debt to equity0.63Fiscal year 2022Cash0.70Total debt2.00Net cash (debt)−1.30Shareholders’ equity3.17Debt to equity0.63Fiscal year 2023Cash0.50Total debt1.99Net cash (debt)−1.49Shareholders’ equity2.47Debt to equity0.80Fiscal year 2024Cash0.51Total debt2.79Net cash (debt)−2.28Shareholders’ equity2.05Debt to equity1.36Fiscal year 2025Cash0.50Total debt2.98Net cash (debt)−2.48Shareholders’ equity1.59Debt to equity1.87
FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 0.00 1.22 0.73 0.70 0.50 0.51 0.50
Total debt n/a 0.80 2.00 2.00 1.99 2.79 2.98
Net cash (debt) n/a 0.42 −1.27 −1.30 −1.49 −2.28 −2.48
Shareholders’ equity −0.00 0.01 3.17 3.17 2.47 2.05 1.59
Debt to equity n/a 160.00 0.63 0.63 0.80 1.36 1.87

In billions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Margins
n/a −0.1% n/a n/a n/a n/a n/a
32.5% 68.5% 53.1% 39.4% −3.5% 12.6% 7.9%
n/a −0.1% 3.3% 1.8% −0.6% 0.5% 0.9%
−274.8% −0.0% −337.4% 347.4% 6.4% −234.9% −86.1%
Spending
1.3% 1.2% 2.2% 1.1% 1.2% 1.5% 2.3%
0.0% 0.1% 0.6% 0.3% n/a 2.0% 2.7%
Returns
n/a −116.1% 3.1% 1.3% −0.5% 0.7% 1.7%
n/a −0.1% 0.4% 0.3% −0.1% 0.1% 0.2%
Balance and payout
n/a 160.00 0.63 0.63 0.80 1.36 1.87
103.4% 79.3% 85.9% 76.7% 79.2% 86.9% 90.6%
n/a n/a 31.1% 88.5% n/a 275.9% 287.1%
n/a n/a n/a 0.4% 26.8% n/a n/a