UWM Holdings Corp financial metrics

Professional SEC-based dashboard for profitability, financial health, and growth with transparent scoring logic. Latest period: Q4 2025.

Symbol
UWMC on NYSE
Location
Pontiac, MI
Fiscal year end
31 December
Latest financial report
25 Feb 2026

Latest SEC snapshot (2025-12-31) highlights Return On Equity 13.4%, Return On Assets 3.0%, and Operating Margin 31.0%.

How Calculated (standard_v1)

Metrics are computed with a market-consensus convention designed for cross-portal comparability.

  • TTM Operating Income / TTM Revenues
  • Current Assets / Current Liabilities (latest instant quarter)
  • (Current Assets - Inventory) / Current Liabilities; fallback: (Cash+Short-Term Investments + Accounts Receivable) / Current Liabilities
  • Total Debt / Stockholders Equity (latest instant quarter; shared unit; freshest series)
  • TTM Net Income / Average Equity (current quarter + same quarter previous year) / 2
  • TTM Net Income / Average Assets (current quarter + same quarter previous year) / 2
  • TTM NOPAT / Average Invested Capital, where NOPAT=Operating Income*(1-tax rate), Invested Capital=Equity+Total Debt-Cash & ST Investments
  • TTM Revenues YoY
  • TTM Net Income YoY

Financial Quality Score

Transparent 0-100 scoring model based on profitability, financial health, and growth factors.

50.6/100

Caution Confidence high

Return On Equity

13%

Metric score 31.6/100

Return On Assets

3%

Metric score 12.3/100

Financial Health

Current Ratio
2.96x
Quick Ratio
0.2x
Debt to Equity
9.08x

Strengths

Operating Margin, Revenues YoY, and NetIncomeLoss YoY

Watchpoints

Return On Equity, Return On Assets, and Quick Ratio

Key metrics snapshot

Profitability

Metric Latest value YoY change
Return On Equity 13% +136%
Return On Assets 3% +61%
Operating Margin 31%

Financial Health

Metric Latest value YoY change
Current Ratio 2.96x
Quick Ratio 0.2x
Debt-to-equity 9.08x

Growth

Metric Latest value YoY change
Revenues YoY 18%
NetIncomeLoss YoY 90%

Share Metrics

Metric Latest value YoY change
Weighted Average Number of Shares Outstanding, Basic 211,407,534 +90%
Weighted Average Number of Shares Outstanding, Diluted 1,599,179,891 +1336%

Additional Metrics

Metric Latest value YoY change
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest $250,896,000 -25%
Income Tax Expense (Benefit) $6,873,000 +4.4%
Earnings Per Share, Basic 0.13 0%
Earnings Per Share, Diluted 0.12 -7.7%
Cash and Cash Equivalents, at Carrying Value $503,364,000 -0.78%
Property, Plant and Equipment, Net $180,199,000 +23%
Operating Lease, Right-of-Use Asset $94,310,000 +0.62%
Assets $16,928,676,000 +8%
Deferred Income Tax Liabilities, Net $5,080,000 +21%
Liabilities $15,335,047,000 +13%
Retained Earnings (Accumulated Deficit) $189,447,000 +20%
Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest $1,593,629,000 -22%
Liabilities and Equity $16,928,676,000 +8%
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents $503,364,000 -0.78%
Deferred Tax Assets, Valuation Allowance $83,000 +219%
Deferred Tax Assets, Gross $88,702,000 +237%
Operating Lease, Liability $100,596,000 +0.22%
Lessee, Operating Lease, Liability, to be Paid $144,988,000 -3.1%
Lessee, Operating Lease, Liability, to be Paid, Year Two $13,857,000 +6.6%
Lessee, Operating Lease, Liability, to be Paid, Year One $13,991,000 +7.7%
Operating Lease, Weighted Average Discount Rate, Percent 0.074 0%
Lessee, Operating Lease, Liability, Undiscounted Excess Amount $44,392,000 -9.9%
Lessee, Operating Lease, Liability, to be Paid, Year Three $13,148,000 +1.5%
Deferred Tax Assets, Operating Loss Carryforwards $35,266,000 +73%
Preferred Stock, Shares Issued 0
Preferred Stock, Shares Authorized 100,000,000 0%
Lessee, Operating Lease, Liability, to be Paid, Year Four $13,148,000 +7.3%
Additional Paid in Capital $9,910,000 +181%
Preferred Stock, Shares Outstanding 0
Deferred Tax Assets, Net of Valuation Allowance $88,619,000 +237%
Share-based Payment Arrangement, Expense $50,300,000 +104%
Preferred Stock, Par or Stated Value Per Share 0.0001 0%

How we score

This score is transparent and deterministic. We weight profitability, financial health, and growth metrics, then renormalize weights when SEC data is missing.

Metric Weight V1 threshold
ROIC205% to 20%
ROE158% to 25%
ROA102% to 10%
Operating Margin55% to 25%
Current Ratio121.0x to 2.0x
Quick Ratio80.8x to 1.5x
Debt to Equity100.3x to 2.0x (lower is better)
Revenue YoY10-10% to +20%
Net Income YoY10-10% to +20%