US · UWMC
UWM Holdings Corporation
- Sector
- Financial Services · Financial - Mortgages
- Headquarters
- Pontiac, MI 48341
- Website
- uwm.com
Price · as of 2025-12-31
$3.66
Market cap 6.68B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $39.44 | +977.6% |
| Intrinsic Value(DCF) | $345.63 | +9,343.44% |
| Graham-Dodd Method(GD) | — | — |
| Graham Formula(GF) | $9.20 | +151.48% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | |||||
| 2012 | |||||
| 2013 | |||||
| 2014 | |||||
| 2015 | |||||
| 2016 | |||||
| 2017 | |||||
| 2018 | $6.74 | $15.84 | |||
| 2019 | $15.95 | $592.60 | |||
| 2020 | $5.78 | $221.82 | $1,400,142.88 | $0.00 | $9,480.00 |
| 2021 | $3.20 | $1,481.65 | $13.88 | $0.00 | $0.00 |
| 2022 | $3.57 | $280.58 | $0.00 | $0.00 | $0.00 |
| 2023 | $5.81 | $105.52 | $0.00 | $0.00 | $5.39 |
| 2024 | $5.91 | $435.73 | $0.00 | $0.00 | $9.84 |
| 2025 | $4.33 | $39.44 | $55.95 | $0.00 | $9.20 |
AI valuation
Our deep-learning model estimates UWM Holdings Corporation's (UWMC) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $39.44
- Current price
- $3.66
- AI upside
- +977.6%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$345.63
+9,343.44% upside
Graham-Dodd
—
— upside
Graham Formula
$9.20
+151.48% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| UWMC | UWM Holdings Corporation | $3.66 | 6.68B | +978% | +9,343% | — | +151% | 3.75 | 4.59 | 0.29 | 21.72 | — | -0.24 | 85.62% | 57.99% | 0.87% | 135.18% | 11.95% | 1.50% | 88.97 | 3.45 | 0.35 | 0.35 | 20.74 | -769.00% | 6583.00% | -5785.00% | -289.23% | -0.82 | -17.74% | 8.59% | 32.20% | 8.59% | 9.86 | -6.82 | 5.71 | 0.45 |
| CFG | Citizens Financial Group,… | $60.19 | 25.85B | -7% | -14% | -46% | — | 14.39 | 1.00 | 2.36 | -4.36 | 52.54 | 1.46 | 69.75% | 20.88% | 16.42% | 7.24% | -19.29% | 0.83% | 0.43 | 0.61 | 1.04 | 1.04 | -0.54 | 2739.00% | -971.00% | 841.00% | 7.73% | 0.01 | -21.46% | 3.37% | 48.50% | 17.07% | -5.05 | -5.77 | -1.05 | 0.27 |
| CIFR | Cipher Mining Inc. | $15.60 | 6.32B | +80% | -60% | — | — | -7.31 | 7.47 | 26.86 | 188.53 | -0.51 | 8.26 | -60.45% | -76.70% | -367.17% | -110.55% | -35.44% | -31.95% | 0.07 | -4.70 | 3.79 | 0.90 | -19.85 | 143571.00% | 4804.00% | 20654.00% | -11.57% | -0.30 | -144.16% | 0.00% | 0.00% | 11.86% | -31.68 | -7.82 | 24.30 | 1.18 |
| FRHC | Freedom Holding Corp. | $120.17 | 7.35B | +56% | +256% | -78% | -64% | 109.57 | 7.63 | 4.55 | 11.45 | — | 8.34 | 52.61% | 31.07% | 4.16% | 7.11% | -148.64% | 0.93% | 1.61 | 1.18 | 1.32 | 1.19 | 1.68 | -7788.00% | 2274.00% | -24310.00% | 17.12% | 0.23 | -498.56% | 0.00% | 0.00% | 15.20% | 12.07 | 4.81 | 3.75 | 1.48 |
| KNSL | Kinsale Capital Group, In… | $389.67 | 9.07B | -22% | +195% | -53% | +42% | 18.20 | 4.68 | 4.89 | 14.17 | 83.63 | 4.69 | 52.47% | 33.85% | 26.87% | 29.25% | 57.06% | 9.54% | 0.11 | 59.58 | 0.35 | 0.36 | 0.09 | 2177.00% | 1804.00% | 396.00% | 10.80% | 1.28 | 112.18% | 0.17% | 3.10% | 1.26% | 14.54 | 9.32 | 4.92 | 2.50 |
| MORN | Morningstar, Inc. | $183.14 | 7.53B | +11% | -35% | -96% | -26% | 20.41 | 6.25 | 3.12 | 11.69 | 603.96 | -9.94 | 61.03% | 21.53% | 15.30% | 26.35% | 19.52% | 10.48% | 1.15 | 13.16 | 0.99 | 0.89 | 1.28 | 338.00% | 749.00% | -140.00% | 5.79% | 0.56 | 21.74% | 1.01% | 20.60% | 11.31% | 16.18 | 19.25 | 3.48 | 3.96 |
| ONB | Old National Bancorp | $23.10 | 9.03B | +172% | +188% | -38% | +142% | 13.65 | 1.08 | 2.46 | 15.09 | 208.45 | 1.63 | 63.60% | 23.56% | 18.04% | 9.02% | 8.09% | 1.06% | 0.88 | 0.72 | 0.89 | 0.88 | 7.01 | 655.00% | 2548.00% | 767.00% | 6.98% | 0.01 | 7.42% | 2.46% | 33.60% | 3.25% | 16.88 | 23.16 | 3.98 | 0.07 |
| SSB | SouthState Corporation | $98.67 | 9.92B | -53% | +1,533% | -34% | +407% | 12.50 | 1.10 | 2.66 | 3.76 | 97.89 | 1.79 | 68.35% | 27.86% | 21.26% | 10.68% | 17.17% | 1.41% | 0.15 | 0.97 | 0.22 | 0.22 | 0.62 | 1277.00% | 5701.00% | -21383.00% | -5.43% | -0.01 | -11.58% | 2.32% | 29.00% | 4.68% | 4.20 | -8.12 | 1.17 | -0.18 |
| WAL | Western Alliance Bancorpo… | $80.32 | 8.84B | -40% | +57% | +4% | +45% | 9.07 | 1.16 | 1.68 | -7.07 | 39.23 | 1.27 | 61.10% | 22.88% | 18.37% | 13.60% | -40.11% | 1.12% | 0.87 | 0.66 | 0.56 | 0.56 | 2.52 | 2313.00% | 517.00% | -115.00% | -31.52% | -0.06 | 113.09% | 2.09% | 18.90% | 2.86% | -7.07 | 3.06 | -1.62 | 0.00 |
| WTFC | Wintrust Financial Corpor… | $144.06 | 9.65B | -37% | +5% | -17% | +23% | 11.92 | 1.35 | 2.32 | 6.30 | 98.35 | 1.54 | 62.19% | 26.44% | 19.48% | 12.11% | 24.04% | 1.21% | 0.62 | 0.74 | 0.14 | 0.14 | 3.33 | 1212.00% | 666.00% | 3421.00% | 8.68% | 0.02 | 24.88% | 1.72% | 20.60% | 5.92% | 6.80 | 8.91 | 1.80 | -0.41 |
About UWM Holdings Corporation
UWM Holdings Corporation engages in the residential mortgage lending business in the United States. The company originates 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.
- CEO
- Mathew R. Ishbia
- Employees
- 9.1K
- Beta
- 1.93
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($345.63 ÷ $3.66) − 1 = +9,343.44% (DCF, example).