UWMC · CIK 0001783398
UWM HOLDINGS CORPORATION
Annual figures as reported, FY2019–FY2025. Ratios and growth rates derived on-page.
Mortgage Bankers & Loan Correspondents
Company profile
Revenue
$3.2B
▲ +18.2% vs FY2024
Net income
$244.0M
▼ −25.9% vs FY2024
Free cash flow
−$2.7B
▲ +56.7% vs FY2024
Diluted EPS
$0.12
▼ −7.7% vs FY2024
Revenue
Annual, as reported
Net income
Losses shown in terracotta
Recent quarters
momentum · last 12 quartersRevenue — Jun ’26 quarter
$888.0M
▲ +17.0% vs Jun ’25
Net income — Jun ’26 quarter
−$80.6M
▼ −451.8% vs Jun ’25
Revenue — trailing 12 months
$3.6B
▲ +26.1% vs Jun ’25
Diluted EPS — trailing 12 months
−$0.02
▼ −144115188075856096.0% vs Jun ’25
Quarterly revenue
Discrete quarters; Q4 derived from the annual figure
Quarterly net income
Losses shown in terracotta
| Quarter | Revenue | Rev. YoY | Gross margin | Net income | Net margin | Diluted EPS |
|---|---|---|---|---|---|---|
| Jun ’26 | $888.0M | 17.0% | — | −$80.6M | −9.1% | −$0.24 |
| Mar ’26 | $901.4M | 47.0% | — | $25.3M | 2.8% | $0.09 |
| Dec ’25 | $945.2M | 31.2% | — | $236.1M | 25.0% | $0.14 |
| Sep ’25 | $843.3M | 13.1% | — | −$1.3M | −0.1% | −$0.01 |
| Jun ’25 | $758.7M | 21.9% | — | $22.9M | 3.0% | $0.11 |
| Mar ’25 | $613.4M | 4.8% | — | −$13.7M | −2.2% | −$0.12 |
| Dec ’24 | $720.6M | −2.6% | — | $323.9M | 44.9% | $0.07 |
| Sep ’24 | $745.6M | 10.1% | — | −$6.3M | −0.8% | −$0.06 |
Profitability & returns
quality of earningsMargins
Share of revenue kept at each line
Returns on capital
Net income vs year-end equity and assets
Return on equityReturn on assets
Cash flow
cash generationFree cash flow
Operating cash flow less capital expenditure
Operating cash flow
Net cash from operations
Shareholder returns
capital allocationCapital returned
Cash paid out as dividends and share repurchases
Dividends paidBuybacks
Diluted shares outstanding
Falling count means buybacks outpace dilution
Balance sheet
financial positionStockholders’ equity
At fiscal year end
Net debt
Long-term debt less cash — negative means net cash
Growth rates
compounding, annualizedIncome statement
CAGR over 3, 5 and 10 years
Key ratios
derived per fiscal year| Fiscal year | Net margin | FCF margin | ROE | ROA | Debt / equity |
|---|---|---|---|---|---|
| FY2025 | 7.7% | −86.1% | 15.3% | 1.4% | 1.87× |
| FY2024 | 12.3% | −234.9% | 16.0% | 2.1% | 1.36× |
| FY2023 | −3.2% | 6.4% | −2.8% | −0.6% | 0.80× |
| FY2022 | 39.3% | 347.4% | 29.4% | 6.9% | 0.63× |
| FY2021 | 52.8% | −337.4% | 49.5% | 7.0% | 0.63× |
| FY2020 | 68.5% | −0.0% | 142.5% | 29.4% | 0.34× |
| FY2019 | 32.5% | −274.8% | 62.8% | 100621.3% | — |
Annual figures
as reported| Fiscal year | Revenue | Gross profit | Op. income | Net income | Diluted EPS | Op. cash flow | Capex | Total assets | Liabilities | Equity | Cash | LT debt |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| FY2025 | $3.2B | — | — | $244.0M | $0.12 | −$2.6B | $74.0M | $16.9B | $15.3B | $1.6B | $503.4M | $3.0B |
| FY2024 | $2.7B | — | — | $329.4M | $0.13 | −$6.2B | $39.5M | $15.7B | $13.6B | $2.1B | $507.3M | $2.8B |
| FY2023 | $2.2B | — | — | −$69.8M | −$0.14 | $165.2M | $26.4M | $11.9B | $9.4B | $2.5B | $497.5M | $2.0B |
| FY2022 | $2.4B | — | — | $931.9M | $0.45 | $8.3B | $26.6M | $13.6B | $10.4B | $3.2B | $704.9M | $2.0B |
| FY2021 | $3.0B | — | — | $1.6B | $0.66 | −$10.0B | $65.4M | $22.5B | $19.4B | $3.2B | $731.1M | $2.0B |
| FY2020 | $4.9B | — | — | $3.4B | −$0.12 | $56.4M | $57.3M | $11.5B | $9.1B | $2.4B | $1.2B | $800.0M |
| FY2019 | $1.3B | — | — | $415.1M | — | −$3.5B | $16.8M | $412K | $426K | $661.3M | $1K | — |
Latest filings
the most recent regulatory filings4Insider ownership filing2026-08-07 ↗10-QQuarterly report2026-08-07 ↗8-KCurrent report — material event2026-08-06 ↗S-3ASRSecurities registration2026-08-05 ↗4Insider ownership filing2026-08-04 ↗DFAN14ADFAN14A PRESS RELEASE2026-06-22 ↗DFAN14ASEC filing2026-06-22 ↗DFAN14ASEC filing2026-06-15 ↗DFAN14ASEC filing2026-06-05 ↗8-K8-K ANNUAL MEETING RESULTS2026-06-03 ↗
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