Uwm Holdings Corp. (UWMC) intrinsic value & 10-year financials
Uwm Holdings Corp. (UWMC) has a Graham intrinsic value of $3.99 per share. At $1.05 on Oct 17, 2026, the stock trades 74% below that value. Over the last 7 fiscal years revenue grew 16.3% a year to $3.2B, with an average return on invested capital of -423466.4%.
- Graham intrinsic value
- $3.99
- Share price (Oct 17, 2026)
- $1.05
- Price vs Graham value
- 74% below
- Market cap
- $1.7B
- Revenue (FY2025)
- $3.2B
- Revenue growth (7-yr CAGR)
- 16.3%
- ROIC (10-yr avg)
- -423466.4%
- Free cash flow (FY2025)
- -$2.7B
UWMC 10-year financial history
| Fiscal year | Revenue | Net income | EPS (diluted) | Free cash flow | Operating margin | ROIC |
|---|---|---|---|---|---|---|
| FY2025 | $3.2B | $27.4M | $0.12 | -$2.7B | — | 0.7% |
| FY2024 | $2.2B | $14.4M | $0.01 | -$6.3B | — | 0.3% |
| FY2023 | $1.3B | -$13.2M | -$0.01 | $138.8M | — | -0.3% |
| FY2022 | $2.4B | $41.7M | $0.03 | $8.2B | — | 0.9% |
| FY2021 | $3.0B | $98.4M | $0.05 | -$10.0B | — | 3.8% |
| FY2020 | $4.9B | -$5.8M | — | -$59.1M | -0.1% | -0.8% |
| FY2019 | $1.3B | $415.1M | — | -$3.5B | — | -2964269.4% |
Source: annual 10-K filings on SEC EDGAR. Figures in USD.
Executive summary
UWM Holdings Corp is a consistent compounder, expanding top-line revenue at 16.3% annually over the past decade.
UWM Holdings Corp has historically struggled to out-earn its cost of capital, averaging just -4234.0% ROIC.
UWM Holdings Corp capital allocation metrics are N/A for the decade; share count and net debt history are incomplete.
Benjamin Graham lens
Under Benjamin Graham's formula using SEC EDGAR fundamentals, UWM Holdings Corp is modeled at 15.0% normalized earnings growth with a 5.1% bond-yield adjustment. The resulting Graham intrinsic value estimate is $3.99 per share.