UWMC$3.92
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AI UWMC Summary
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Powered by LiveAIOverall Analysis
NeutralUWMC presents a mixed investment profile. It offers a high dividend yield and is operating in a sector with potential tailwinds, but faces headwinds from inconsistent profitability and a challenging interest rate environment. Technical indicators are mixed, suggesting caution for short-term investors.
Thematic
The housing and mortgage market is influenced by macroeconomic factors and demographic trends. While lower interest rates can stimulate mortgage origination, current higher rates present a headwind. Technological adoption in mortgage processing is a positive thematic driver.
Fundamental
UWMC demonstrates a high dividend yield, but its profitability has been volatile. Revenue has shown a declining trend from its peak, and earnings per share have been inconsistent, with recent periods showing negative EPS. The company carries a significant debt load relative to its equity.
Technical
The stock is trading below its key moving averages, and several short-term technical indicators suggest downward momentum. The RSI is in neutral territory, but the overall trend appears to be down, indicating potential for further weakness.
| Factor | Score |
|---|---|
| Housing Market Demand | 70 |
| Interest Rate Environment | 50 |
| Digital Mortgage Transformation | 80 |
| Regulatory Landscape | 60 |
| Wholesale vs. Retail Mortgage Origination | 70 |
| Factor | Score |
|---|---|
| Valuation | 60 |
| Valuation | 20 |
| Profitability | 30 |
| Growth | 25 |
| Balance Sheet Health | 30 |
| Cash Flow | 10 |
| Dividends | 90 |
| Factor | Score |
|---|---|
| Trend Analysis | 30 |
| Momentum | 40 |
| Volume Confirmation | 60 |
| Support & Resistance | 50 |
| Oscillators | 45 |
AI Investing Checklist
Powered by LiveAIBullish Points (6)
Attractive Valuation Metrics
The stock exhibits a Price-to-Sales (PS) ratio of 0.8 for 2024, which is below its historical average and industry peers, suggesting potential undervaluation.
Positive Net Income and Margins
The company reported a positive net income of $14.4 million in 2024 with a net margin of 1.0%, indicating profitable operations.
Bearish Points (8)
High Price-to-Sales (PS) Ratio (TTM)
The trailing twelve months (TTM) Price-to-Sales ratio is 14.2, which is significantly higher than the 2024 annual PS ratio of 0.8, suggesting potential overvaluation on a current earnings basis.
Inconsistent Earnings and Negative EPS
EPS has been volatile, with a negative EPS of -0.08 TTM and negative reported EPS in several recent quarters (e.g., Q2 2025, Q1 2025), indicating profitability challenges.
Calendar
June 2025
18
Ex-Dividend Date
July 2025
10
Next Dividend Date
August 2025
7
Next Earnings Date
H: $0.08
A: $0.06
L: $0.04
H: 668.00M
A: 641.05M
L: 620.29M
Profile
UWM Holdings Corporation engages in the origination, sale, and servicing residential mortgage lending in the United States. The company offers mortgage loans through wholesale channel. It originates primarily conforming and government loans. UWM Holdings Corporation was founded in 1986 and is headquartered in Pontiac, Michigan.
Seasonals
Price Target
5.97 USD
The 39 analysts offering 1 year price forecasts for UWMC have a max estimate of 10.00 and a min estimate of 4.50.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
Related Companies
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