UWM Holdings Corporation is a U.S.-based enterprise specializing in the provision of residential mortgage financing. The company originates home loans predominantly through ...
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Est. EPS $0.06 · Revenue $720.44M · 3 analysts
Est. EPS $0.05 · Revenue $714.03M · 3 analysts
Est. EPS $0.25 · Revenue $2.42B · 3 analysts
Est. EPS $0.06 · Revenue $729.88M · 1 analysts
$0.40 per share
$0.40 per share
| Metric | Latest | YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength. | QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes. |
|---|---|---|---|
| RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three). | $3.2B | +65.8% | -1.5% |
| Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day. | $27.4M | +90.1% | -418.5% |
| Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials. | +85.6% | +19.0% | +7.7% |
| Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on). | +58.0% | +229.0% | -85.0% |
| Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales. | +0.9% | +14.6% | -423.4% |
| Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock. | $-2.7B | +56.7% | +114.9% |
| FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine. | -86.1% | +73.9% | +115.1% |
| Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe. | 7237.2% | -9.0% | +55.0% |
| Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking. | 0.67x | +638.6% | +388.0% |
| Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground. | $16.9B | +8.0% | -6.9% |
| Metric | Annual (A vs E) | Annual Surprise | Quarter (A vs E) | Quarter Surprise |
|---|---|---|---|---|
| EPS Surprise | 0.12 vs 0.16 | -26.7% | -0.24 vs 0.06 | -524.7% |
| Revenue Surprise | $3.2B vs $2.5B | +26.7% | $888.0M vs $720.4M | +23.3% |
| Date | Executive | Title | Security | Side | Shares | Price |
|---|---|---|---|---|---|---|
| Sep 1, 2026 | HASANI RAMI | officer: EVP, Chief Financial Officer | Class A Common Stock | A | 2,500 | $1.37 |
| Sep 1, 2026 | HASANI RAMI | officer: EVP, Chief Financial Officer | Class A Common Stock | D | 728 | $1.37 |
| Sep 1, 2026 | HASANI RAMI | officer: EVP, Chief Financial Officer | Restricted Stock Units | D | 2,500 | — |
| Aug 28, 2026 | HASANI RAMI | officer: EVP, Chief Financial Officer | Restricted Stock Units | D | 7,971 | — |
| Aug 28, 2026 | HASANI RAMI | officer: EVP, Chief Financial Officer | Class A Common Stock | A | 7,971 | $1.49 |
I'll go through every one of them, at least I'm trying to get through every one of them. Hopefully make it as effective for everyone as possible. Before I get into that, obviously, from a second quarter perspective, operating income, over $180 million adjusted EBITDA along with about $40 billion of business. We feel really good about UWM and the strength of the broker channel and the growth of the broker channel. So we feel great about where that's at. Obviously, I got so many questions about Oaktree partnership, the dividend, Two Harbors, the hedging, we're going to get through all that stuff, and I'll try to get through it. Before I get into it, I wanted to start with the overall picture from where we are at UWM and the partnership with Oaktree. We feel great about Oaktree and the partnership that we have and are creating, and Oaktree is not just capital, they're strategic partners of ours. They have MSR background, non-agency, like they have a lot of mortgage-related experience, and they're betting on housing, and they're betting on UWM. And so we're excited about the partnership and what it's going to do for our business long term, and that's what we always think about is how do we dominate long term. The mortgage market has been tough for the last five years now. And UWM has consistently made operating income. And Two Harbors have recognized the strength of our business and said, hey, how can we take this to the next level. From a strategic perspective, we see a lot of the same vision about the brokers, about the operating model and infrastructure that we've built to help the independent mortgage channel grow and dominate. That's really what we're about here at UWM. Housing and mortgages are going to be here and be strong. It's a huge market. It's been a tough four or five years, and we expect the next four or five years to be significantly, significantly better. In the tough years, we still are successful and profitable at UWM, as Oaktree points out many times; we spent time with them. Now it's how do we take it to a whole another level. The balance sheet is fortified. The debt ratios that people are concerned about are no longer a question, and we're ready to go forward in a really, really strong way. With that being said, I know there's AI questions, there's dividend questions. Let me just go into all these questions and hopefully answer all of them. I'm going to try to mention a couple of people that asked the questions, but to be fair, I think we got the same questions from about 15 different people. So I won't try to name all of them. Let's start with the dividend. I got some questions from Jason Stewart, Bose, Jeff. I’m not going to name everyone who asked the question. But the basic question is, hey, Matt, UWM, why are we cutting the dividend now? The first part, how we got here: a lot of things tied to the dividend. We've always rewarded our shareholders, and we feel good about rewarding our shareholders, and we're always going to …
| Name | Title | Compensation | Gender | Year Born | Status |
|---|---|---|---|---|---|
Mathew R. Ishbia | Chairman, President & Chief Executive Officer | USD 8,884,108 | Male | 1980 | Active |
Melinda Wilner | Executive Vice President, Chief Operating Officer & Director | USD 2,846,795 | Female | 1976 | Active |
Alex Elezaj | Executive Vice President, Chief Strategy Officer & Director | USD 2,759,597 | Male | 1977 | Active |
Jeffrey A. Ishbia | Founder & Director | USD 1,670,600 | Male | 1948 | Active |
Laura Lawson | Executive Vice President, Chief People Officer & Director | USD 1,309,078 | Female | 1977 | Active |
Rami Hasani | Executive Vice President & Chief Financial Officer | USD 767,120 | Male | 1981 | Active |
Blake Kolo | Executive VP, Chief Business Officer & Head of Investor Relations | — | Male | — | Active |
Adam Wolfe | Executive VP, Chief Legal & Administrative Officer and Secretary of the Board | — | Male | 1982 | Active |
Nicole Roberts | PR Director | — | Female | — | Active |
Jason Bressler | Executive VP & CTO | — | Male | 1975 | Active |
Jeff Midbo | Senior Vice President & Chief Compliance Officer | — | Male | — | Active |
UWM (UWMC) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.
PONTIAC, Mich.--(BUSINESS WIRE)-- #UWMC--UWM Holdings Corporation (NYSE:UWMC), the publicly traded indirect parent of United Wholesale Mortgage (UWM), the #1 overall mortgage lender, wholesale and purchase mortgage lender in the U.S., will announce its second quarter 2026 financial results on Thursday, August 6, 2026. A press release with financial highlights will be available on the company's investor relations website https://investors.uwm.com in the financials section. The company will also host a Q.
NYSE issues a pre-market daily advisory direct from the trading floor. NEW YORK, July 17, 2026 /PRNewswire/ -- The New York Stock Exchange (NYSE) provides a daily pre-market update directly from the NYSE Trading Floor.
UWM Holdings currently has a forward dividend yield of 19.2%, but this super-high yield may not last for long. After failing to acquire Two Harbors Investment, UWM could reduce or eliminate its dividend to conserve cash and strengthen its balance sheet.
Even a good company can be a bad investment if you pay too much for the stock. The same sentiment is true for companies when they make acquisitions.
