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UWUWMC

UWM Holdings Corporation

Rising onWhy it's trendingX chatter spiked vs its recent normBacked by solid revenue growth
$UWMC·$3.2B·Financial - Mortgages·Financial Services
$2.06+1.5%YTD-54.2%1Y-52.2%
Mentions · last 7 days
2026-07-07: 31 posts2026-07-08: 33 posts2026-07-09: 38 posts2026-07-10: 63 posts2026-07-11: 28 posts2026-07-12: 39 posts2026-07-13: 145 posts379+10%
Price updated 7m ago·X counts updated 2d ago
UWUWMC
$UWMCUWM Holdings Corporation
$2.06+1.48%379 posts+10%
AI analysisFundamentalsVoices on X
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AI verdict & sentimentAI analysisGenerated by AI from underlying data

Today's AI verdict on what's driving $UWMC, plus how loud the X conversation is and which way it's leaning.

AI analysis

TickerTalks’ read on the fundamentals and what’s driving the move.

Comeback attemptSelling offAI verdict · as of 2026-07-14

Falling on heavy selling — points lower unless it turns around.

UWM Holdings at 0.4% of range down 55% YTD — the mortgage franchise walked away from Two Harbors, insider selling continues.

UWM Holdings is the wholesale-mortgage franchise (United Wholesale Mortgage), the Ishbia-family-controlled mortgage broker. Down 55% YTD at 0.4% of the 52-week range with continued founder selling and the Two Harbors bidding war just walked away from, this is a turnaround setup still breaking down.

  • The reported mechanics are recovering off cyclical lows: Q1 revenue grew 458% YoY to $901M with 85% gross margin and 37% operating margin (mortgage-cycle mechanics), and consensus has FY26 EPS at $0.35 rising to $0.48 in FY27.
  • The Two Harbors walkaway is the strategic tell: UWM ended the pursuit of the Two Harbors acquisition, arguably better news for shareholders per the corpus framing — real capital-discipline signal.
  • The founder selling is the loudest counter-signal: Ishbia continuing to sell shares even at $3, plus the corpus flags 'the founder selling shares even at $3' as demoralizing to holders — real insider-supply pressure.
  • The mortgage-rate-refi thesis is the medium-term catalyst: any modest mortgage rate rally could unleash refi volume, though the corpus is skeptical about the pace of that materializing.

The path if it works is the Aug 6 Q2 print landing above $0.09 EPS with origination volume growth continuing, a firm dividend commitment from the CEO, and no fresh Ishbia-scale sales — that turns breaking-down into a real move toward $3. Continued founder selling, a soft origination-volume print, or a fresh dividend cut is what confirms the deep-value-trap read.

What to watch: Aug 6 Q2 earnings: EPS above $0.09, origination volume growth continuing, firm dividend commitment from CEO, and no fresh Ishbia-scale sales turns breaking-down into a move toward $3. Continued founder selling, soft origination-volume print, or fresh dividend cut confirms deep-value-trap.

On the calendar: 2026-08-06 — Q2 earnings

X sentiment

What the X crowd is saying right now — descriptive, summarised from the day’s posts.

Bearish sentiment6 posts analyzed · as of 2026-06-23

United Wholesale Mortgage chatter is sparse and downbeat. Posters note the stock is down roughly 90%, the founder continues selling shares even at $3, and a pending acquisition bid could be lost to a competitor. Commenters argue CEO Mat Ishbia needs to reassure the dividend, drop the Two Harbors pursuit, and install a Wall-Street-friendly figurehead to stabilize sentiment. A few contrarians are adding on weakness, but the dominant tone is frustration and skepticism that any modest mortgage-rate rally will unleash refi volume.

Read the AI verdict + X sentiment for $UWMC

  • One-line verdict on what's driving the move — fundamentals, momentum, both, or an event
  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
  • X crowd read with bullish/bearish call + post volume
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What it does

Plain-English summary of the business — what they sell and how they make money.

Nation's largest wholesale mortgage lender, originating loans exclusively through independent mortgage brokers rather than direct-to-consumer.

Industry overviewAI analysisGenerated by AI from underlying data

Where Financial - Mortgages sits in its cycle right now — and what that implies for $UWMC.

Financial - Mortgages · Financial Services

No material change from last week — ~75% of outstanding mortgages carry sub-4% rates, locking homeowners in place and compressing refinance and purchase origination.

What this means for $UWMC

Neutral — Nation's largest wholesale mortgage lender, originating loans exclusively through independent mortgage brokers rather than direct-to-consumer; end markets and revenue mix have limited overlap with the rate lock-in effect suppressing existing home sale transaction volume.

Top industry ETF

$XLFFinancial Select Sector SPDR
+2.5%YTD
+6.9%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
11.4How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
6.1%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
39.7%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
-141%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
1.3Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
33.9%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
82.5%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
70.7Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q1 2026May 6, 2026$0.09$0.06+50.0%
Q4 2025Feb 25, 2026$0.08$0.09-11.1%
Q3 2025Nov 6, 2025$0.01$0.08-86.9%
Q2 2025Aug 7, 2025$0.16$0.06+166.7%
Next earningsThu, Aug 6·consensus EPS $0.09

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q1 FY26$901.4M+457.8%85.3%36.7%$0.09$-2.2B
Q4 FY25$945.2M+97.5%86.4%59.2%$0.08$82.0M
Q3 FY25$470.7M+2.5%70.8%2.7%$-0.01$-3.1B
Q2 FY25$784.6M+74.7%81.7%42.0%$0.11$-290.1M

Forward consensus

3-year forecast · up to 5 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$3.0B$2.8B – $3.3B$0.35$0.31 – $0.415
FY27$3.7B$3.2B – $4.3B$0.48$0.42 – $0.555
FY28$4.0B$4.0B – $4.0B$0.62$0.46 – $0.754

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.0.5×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.1%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.-24.1%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.-53.1%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatMid float · 132.5M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today9.5% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β1.815-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.

Insider activity

Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.

Recent transactions

SellMay 8Ishbia MatCEO1.0M sh$3.4MSellMay 7Ishbia MatCEO1.0M sh$3.4MSellMay 6Ishbia MatCEO1.0M sh$3.7MSellMay 5Ishbia MatCEO1.0M sh$3.5MSellMay 4Ishbia MatCEO1.0M sh$3.6MSellMay 1Ishbia MatCEO1.0M sh$3.6MSellApr 30Ishbia MatCEO934.1K sh$3.3MSellApr 29Ishbia MatCEO1.0M sh$3.5MSellApr 28Ishbia MatCEO986.6K sh$3.6MSellApr 27Ishbia MatCEO1.0M sh$3.8M
1–10 of 40
+ 10 other (6 conversions · 2 exempts · 2 inkinds) in window

See when $UWMC insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
  • 30 / 60 / 180-day windows so you can spot building conviction
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SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

8-KShareholder voteJun 38-K — Item 5.07: Shareholder vote
AI summary

UWMC (UWMC) disclosed the results of its annual meeting of shareholders in an 8-K filing under Item 5.07. Shareholders voted on the election of directors, an advisory say-on-pay resolution, ratification of the independent auditor. All management-sponsored proposals were approved by majority shareholder vote. Annual meeting results are a routine disclosure that confirms shareholder ratification of the board's composition and compensation practices.

8-KPress release / Reg FDMay 138-K — Item 7.01: Press release / Reg FD
AI summary

UWMC filed an 8-K Item 7.01 (Reg FD) disclosure dated 2026-05-13. Reg FD disclosures make material information simultaneously available to all investors; content may include guidance updates, strategic plans, or preliminary results.

8-KPress release / Reg FDMay 128-K — Item 7.01: Press release / Reg FD
AI summary

UWMC filed an 8-K Item 7.01 (Reg FD) disclosure dated 2026-05-12. Reg FD disclosures make material information simultaneously available to all investors; content may include guidance updates, strategic plans, or preliminary results.

8-KPress release / Reg FDMay 118-K — Item 7.01: Press release / Reg FD
AI summary

UWMC filed an 8-K Item 7.01 (Reg FD) disclosure dated 2026-05-11. Reg FD disclosures make material information simultaneously available to all investors; content may include guidance updates, strategic plans, or preliminary results.

8-KPress release / Reg FDMay 68-K — Item 2.02: Earnings release · Item 7.01: Press release / Reg FD
AI summary

UWMC reported first quarter ended March 31, 2026. A copy of the pre financial results (8-K Item 2.02). Investors should review the full earnings press release and any management guidance for forward outlook.

8-KPress release / Reg FDMay 48-K — Item 7.01: Press release / Reg FD
AI summary

UWMC filed an 8-K Item 7.01 (Reg FD) disclosure dated 2026-05-04. Reg FD disclosures make material information simultaneously available to all investors; content may include guidance updates, strategic plans, or preliminary results.

8-KPress release / Reg FDMay 18-K — Item 7.01: Press release / Reg FD
AI summary

UWMC filed an 8-K Item 7.01 (Reg FD) disclosure dated 2026-05-01. Reg FD disclosures make material information simultaneously available to all investors; content may include guidance updates, strategic plans, or preliminary results.

SC 13D/AActivist amendmentApr 23SC 13D/A
AI summary

Mat Ishbia filed an amended Schedule 13D on UWMC disclosing beneficial ownership (1,270,717,132.00 shares) as of 2026-04-23. The filer's stated intent is passive investment with no plan to influence control of the company.

+ 35 other (11 DFAN14As · 4 13Gs · 4 8-Ks · 3 proxys) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

UWM Holdings Yields Tops 19%. Here's Why That Huge Payout Is a Warning, Not a Gift.fool.com·1d agoUWM Walked Away From the Two Harbors Bidding War. That Might Be the Best News for Shareholders.fool.com·6d agoUWM Holdings: A Messy Situation But Deep Value And High Teens Yield Make Me Bullishseekingalpha.com·18d agoUWMC Reminds TWO Stockholders to Vote AGAINST the CCM Transaction to Preserve the Road to Maximum Valuegurufocus.com·23d agoUWMC Reminds TWO Stockholders to Vote AGAINST the CCM Transaction to Preserve the Road to Maximum Valuebusinesswire.com·23d ago

In themes

Explore the broader themes this ticker is being talked about under.

Trending on X

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Voices on X · last 7 days

No standout posts about $UWMC on X in the last 7 days.

TickerTalks is a research tool, not financial advice. We surface social-attention data; we do not make stock recommendations. Past attention is not predictive of future price movements.

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