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Upturn AI SWOT - About
UWM Holdings Corp (UWMC)
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Upturn Advisory Summary
04/01/2025: UWMC (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -40.82% | Avg. Invested days 31 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 9.87B USD | Price to earnings Ratio 41.15 | 1Y Target Price 6.97 |
Price to earnings Ratio 41.15 | 1Y Target Price 6.97 | ||
Volume (30-day avg) 4054951 | Beta 1.69 | 52 Weeks Range 5.22 - 9.31 | Updated Date 04/2/2025 |
52 Weeks Range 5.22 - 9.31 | Updated Date 04/2/2025 | ||
Dividends yield (FY) 7.48% | Basic EPS (TTM) 0.13 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 0.59% | Operating Margin (TTM) 71.72% |
Management Effectiveness
Return on Assets (TTM) 3.73% | Return on Equity (TTM) 14.55% |
Valuation
Trailing PE 41.15 | Forward PE 17.79 | Enterprise Value 15097856000 | Price to Sales(TTM) 4.01 |
Enterprise Value 15097856000 | Price to Sales(TTM) 4.01 | ||
Enterprise Value to Revenue 2.62 | Enterprise Value to EBITDA 22.05 | Shares Outstanding 157976000 | Shares Floating 84866190 |
Shares Outstanding 157976000 | Shares Floating 84866190 | ||
Percent Insiders 32.03 | Percent Institutions 59.85 |
Analyst Ratings
Rating 3.08 | Target Price 6.97 | Buy - | Strong Buy 2 |
Buy - | Strong Buy 2 | ||
Hold 8 | Sell 1 | Strong Sell 1 | |
Strong Sell 1 |
Upturn AI SWOT
UWM Holdings Corp
Company Overview
History and Background
UWM Holdings Corporation, founded in 1986 and publicly traded in 2021, is the parent company of United Wholesale Mortgage (UWM), the largest wholesale mortgage lender in the United States. It provides mortgage services exclusively through independent mortgage brokers.
Core Business Areas
- Wholesale Mortgage Lending: UWM originates residential mortgage loans through a network of independent mortgage brokers across the United States. They provide a technology platform and support services to these brokers.
Leadership and Structure
Mat Ishbia is the Chairman and CEO. The company operates with a traditional corporate structure with various departments overseeing loan origination, technology, marketing, and operations.
Top Products and Market Share
Key Offerings
- Residential Mortgage Loans: UWM offers a variety of residential mortgage products, including conventional, FHA, VA, and USDA loans. As the largest wholesale mortgage lender, UWM has a significant market share. Competitors include Rocket Mortgage and PennyMac.
- Technology Platform (UConnect): UWM provides a technology platform, UConnect, for brokers to streamline the loan origination process. This platform offers features like pricing tools, loan tracking, and communication channels. It increases brokers' efficiency, allowing them to compete better with retail lenders.
Market Dynamics
Industry Overview
The mortgage industry is highly competitive and cyclical, influenced by interest rates, economic conditions, and housing market trends. The wholesale mortgage channel has been growing in recent years.
Positioning
UWM is the leading wholesale mortgage lender in the U.S., known for its technology, speed, and broker support. It differentiates itself through its exclusive focus on the wholesale channel.
Total Addressable Market (TAM)
The total mortgage origination market in the US is trillions of dollars annually. UWM, with its large market share, is well positioned to capture a significant portion of this TAM through its broker network. The TAM depends on current housing conditions.
Upturn SWOT Analysis
Strengths
- Market leadership in the wholesale channel
- Proprietary technology platform (UConnect)
- Strong broker network
- Competitive pricing
- Fast loan processing times
Weaknesses
- Reliance on independent mortgage brokers
- Sensitivity to interest rate fluctuations
- Potential for margin compression
- Reputation can be impacted by brokers' actions
- High volume can strain operational efficiency
Opportunities
- Expansion of broker network
- Increased adoption of technology platform
- Growth in the wholesale mortgage channel
- Diversification of mortgage products
- Strategic partnerships with real estate agents and builders
Threats
- Increased competition from other lenders
- Rising interest rates
- Economic downturn
- Changes in mortgage regulations
- Disruptive technologies
Competitors and Market Share
Key Competitors
- RKT
- PNC
- WAL
Competitive Landscape
UWM's advantages include its market leadership, technology, and broker support. Disadvantages include reliance on the wholesale channel and sensitivity to interest rates.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: UWM has experienced significant growth in recent years, driven by its focus on the wholesale channel and technology investments.
Future Projections: Future growth is dependent on market conditions, interest rates, and the company's ability to maintain its market share. Analyst estimates vary.
Recent Initiatives: Recent initiatives include investments in technology, expansion of the broker network, and new mortgage product offerings.
Summary
UWM Holdings Corp is a leading wholesale mortgage lender with a strong technology platform and extensive broker network. Its success is closely tied to the health of the housing market and interest rate environment. Maintaining its competitive edge and adapting to market changes are crucial for future growth. While UWM dominates the wholesale market, it faces pressures from economic conditions and retail competitors.
Similar Companies
LDI
Loandepot Inc
LDI
Loandepot Inc
RKT
Rocket Companies Inc
RKT
Rocket Companies Inc
WAL
Western Alliance Bancorporation
WAL
Western Alliance Bancorporation
Sources and Disclaimers
Data Sources:
- UWM Holdings Corp SEC filings
- Company Investor Relations
- Industry reports
- Financial news outlets
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market conditions are subject to change, and investors should conduct their own due diligence.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About UWM Holdings Corp
Exchange NYSE | Headquaters Pontiac, MI, United States | ||
IPO Launch date 2020-03-24 | Chairman, President & CEO Mr. Mathew R. Ishbia | ||
Sector Financial Services | Industry Mortgage Finance | Full time employees 9100 | Website https://www.uwm.com |
Full time employees 9100 | Website https://www.uwm.com | ||
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.
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