7 years of revenue, profit, cash flow and balance-sheet history through FY2025,
from SEC filings — with a computed, factual read of the trend.
Updated Overview →
Growth & profitability
Revenue has declined 8.5% per year over the past 5 years.
Financial health
Total debt ($3.0B) exceeds cash ($503M); net debt is $2.5B.
Total debt has grown faster than revenue (30.1% vs -8.5% per year).
Shareholder returns
Dividends have been paid for 5 consecutive years, consuming 32.2% of earnings.
Revenue & net income
RevenueNet income
Margins (gross / operating / net)
GrossOperatingNet
Free cash flow (CFO − capex)
Free cash flow
Cash vs total debt
CashTotal debt
Cash flow: operating / investing / financing
OperatingInvestingFinancing
Key annual figures
FY
Revenue
Net income
Gross M
Op M
FCF
Total debt
Cash
2025
$3.2B
$244M
0.0%
0.0%
-$2.7B
$3.0B
$503M
2024
$2.7B
$329M
0.0%
0.0%
-$6.3B
$2.8B
$507M
2023
$2.2B
-$70M
0.0%
0.0%
$139M
$2.0B
$497M
2022
$2.4B
$932M
0.0%
0.0%
$8.2B
$2.0B
$705M
2021
$3.0B
$1.6B
0.0%
0.0%
-$10.0B
$2.0B
$731M
2020
$4.9B
-$6M
0.0%
-0.1%
-$876000
$800M
$1.2B
2019
$1.3B
$415M
0.0%
0.0%
-$3.5B
—
$1120
Revenue & net income
RevenueNet income
Margins (gross / operating / net)
GrossOperatingNet
Free cash flow (CFO − capex, quarterly)
Free cash flow
Cash vs total debt
CashTotal debt
Cash flow: operating / investing / financing
OperatingInvestingFinancing
Key quarterly figures
Quarter
Revenue
Net income
Gross M
Op M
FCF
Total debt
Cash
Mar '26
$901M
$25M
0.0%
0.0%
-$2.2B
$3.0B
$424M
Dec '25
$945M
$19M
0.0%
0.0%
$82M
$3.0B
$503M
Sep '25
$843M
-$1M
0.0%
0.0%
-$3.1B
$3.8B
$871M
Jun '25
$759M
$23M
0.0%
0.0%
-$290M
$2.8B
$490M
Mar '25
$613M
-$14M
0.0%
0.0%
$576M
$2.8B
$485M
Dec '24
$721M
$9M
0.0%
0.0%
-$552M
$2.8B
$507M
Sep '24
$746M
-$6M
0.0%
0.0%
-$2.2B
$2.0B
$636M
Jun '24
$622M
$3M
0.0%
0.0%
-$1.3B
$2.0B
$680M
Mar '24
$586M
$9M
0.0%
0.0%
-$2.2B
$2.0B
$606M
Dec '23
-$115M
-$27M
0.0%
0.0%
-$336M
$2.0B
$497M
Sep '23
$677M
$18M
0.0%
0.0%
$340M
$2.0B
$730M
Jun '23
$588M
$8M
0.0%
0.0%
-$1.8B
$2.0B
$635M
Mar '23
$161M
-$12M
0.0%
0.0%
$2.0B
$2.0B
$740M
Dec '22
$302M
-$277000
0.0%
0.0%
-$2.6B
$2.0B
$705M
Sep '22
$684M
$12M
0.0%
0.0%
-$553M
$2.0B
$800M
Jun '22
$564M
$8M
0.0%
0.0%
-$400M
$2.0B
$959M
Mar '22
$822M
$22M
0.0%
0.0%
$11.7B
$2.0B
$901M
Dec '21
$605M
$17M
0.0%
0.0%
-$6.2B
$2.0B
$731M
Sep '21
$690M
$25M
0.0%
0.0%
$572M
$1.5B
$951M
Jun '21
$485M
$8M
0.0%
0.0%
-$7.0B
$1.5B
$1.0B
Valuation over time
How the market has priced UWMC against its own fundamentals since 2023-03 —
each month-end's share price set against the most recent annual filing, so the multiple moves
as price runs ahead of (or behind) earnings. Split-adjusted.
The price-to-earnings ratio has risen from 1.5× (Mar '23) to 2.5× (Jun '26).
The price-to-sales ratio has fallen from 0.6× (Mar '23) to 0.2× (Jun '26).
The dividend yield has risen from 2.6% (Mar '23) to 12.7% (Jun '26).
Price / earnings (P/E)
P/E
Price / sales (P/S)
P/S
Dividend yield (%)
Dividend yield %
Frequently asked questions
Is UWMC growing its revenue and profit?
Over the past 5 years, Uwm Holdings Corp's revenue has declined 8.5% per year. These are computed facts, not advice.
How much debt does UWMC have?
As of FY2025, Uwm Holdings Corp reported $3.0B of total debt against $503M of cash.
What is UWMC's profit margin?
In FY2025, gross margin was —, operating margin —, and net margin 7.7%.
What is UWMC's P/E ratio?
As of Jun '26, Uwm Holdings Corp traded at a price-to-earnings ratio of about 2.5× (market cap ÷ latest annual net income). The valuation charts above show how its P/E, P/S and dividend yield have moved with the share price. These are computed facts, not advice.
Where does this data come from?
All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.
Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted ·
growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price
against the latest annual filing. Informational only — not investment advice.