UWM Holdings Corporation Financial Ratios — UWMC Stock

Profitability (USD)

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	- -	7.82	29.18	-10.33	10.51	15.17
Return on Assets (%)	- -	- -	0.58	0.23	-0.1	0.1	0.17
Return on Capital (%)	- -	- -	-17.12	-14.63	- -	-5.47	-3.28
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	38.86	72.29	62.41	50.78	-9.61	23.74	16.15
Profit Margin (%)	38.86	72.23	3.89	2.27	-1.67	1.02	1.76
Net Income to Common Margin (%)	38.86	72.23	3.89	2.27	-1.67	1.02	1.76
Effective Tax Rate (%)	- -	0.07	0.62	0.3	- -	1.96	2.74
Dvd Payout Ratio (%)	- -	- -	1.01	2.03	-29.48	6.17	17.06
Sustainable Growth Rate (%)	- -	- -	7.74	28.58	-13.38	9.86	12.58

Credit (USD)

Credit Ratios API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	- -	8,205	2,269	2,991	2,969	3,501	4,394
ST Debt	- -	7,262	- -	750	750	500	1,200
LT Debt	- -	944	2,269	2,241	2,219	3,001	3,194
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	- -	20.66	0.63	1.06	0.95	1.03	1.18
Long-Term Debt/Equity (%)	- -	39.74	71.56	70.64	89.66	146.14	200.39
Long-Term Debt/Capital (%)	- -	8.92	41.71	36.36	40.76	54.03	53.34
Long-Term Debt/Total Assets (%)	- -	8.21	10.07	16.47	18.69	19.15	18.86
Total Debt/Equity (%)	- -	345.59	71.56	94.29	119.97	170.48	275.69
Total Debt/Capital (%)	- -	77.56	41.71	48.53	54.54	63.03	73.38
Total Debt/Total Assets (%)	- -	71.39	10.07	21.99	25.01	22.34	25.95
Net Debt to Equity	- -	288.66	43.13	67.18	94.34	139.67	236.32
Net Debt/Capital (%)	- -	73.26	29.05	39.04	47.2	56.83	68.68
EBITDA	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	- -	20.66	0.63	1.06	0.95	1.03	1.18
Long-Term Debt/Equity (%)	- -	39.74	71.56	70.64	89.66	146.14	200.39
Long-Term Debt/Capital (%)	- -	8.92	41.71	36.36	40.76	54.03	53.34
Long-Term Debt/Total Assets (%)	- -	8.21	10.07	16.47	18.69	19.15	18.86
Total Debt/Equity (%)	- -	345.59	71.56	94.29	119.97	170.48	275.69
Total Debt/Capital (%)	- -	77.56	41.71	48.53	54.54	63.03	73.38
Total Debt/Total Assets (%)	- -	71.39	10.07	21.99	25.01	22.34	25.95
CFO/Total Liabilities	- -	0.62	-51.44	79.28	1.76	-45.84	-17.26
CFO/CapEx	-208.41	0.98	-152.28	310.66	6.25	-158.19	-35.75
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	- -	7.56	4.61	1.77	3.04	3.29
Days Sales Outstanding	- -	- -	48.3	79.2	205.84	119.94	110.99
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	1,354	542	306	670	927	1,176
- Cash & Cash Equivalents	- -	1,224	731	705	497	507	503
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	3,029	3,028	2,362	1,892	1,394
+ Total Debt	- -	8,205	2,269	2,991	2,969	3,501	4,394
Enterprise Value	- -	8,335	5,109	5,620	5,503	5,814	6,460
Total Capital	- -	10,579	5,440	6,162	5,443	5,555	5,987
Total Debt/Capital (%)	- -	77.56	41.71	48.53	54.54	63.03	73.38
Total Debt / EV	- -	0.98	0.44	0.53	0.54	0.6	0.68
EV/Sales	- -	1.78	2.02	3.05	6.93	4.11	4.16
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	147.75	- -	0.68	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	0.68	- -	- -	- -
Diluted Market Cap	- -	1,354	9,491	306	667	654	7,004
Diluted Enterprise Value	- -	8,335	14,057	5,620	5,500	5,540	12,289
EV per Share	- -	80.84	55.77	60.71	58.76	36.81	24.07
TTM Sales	1,068	4,683	2,529	1,841	794	1,415	1,553
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	-3,496	56	-9,957	8,268	- -	-6,241	-2,648
TTM Free Cash Flow to Firm	-3,513	-1	-10,022	8,242	- -	-6,281	-2,722

Multiples (USD)

Valuation Multiples API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	-1,545.39	-0.95	0.04	4.8	-0.1	-2.57
EV/EBIT	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	8,335	5,109	5,620	5,503	5,814	6,460
Low Price	- -	9.3	5.41	2.84	3.31	5.44	3.8
EV/Sales	- -	1.78	2.02	3.05	6.93	4.11	4.16
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	0.4	6.07	7.34	- -	45.39	33.82
Price/Earnings Average	- -	0.32	8.24	8.91	- -	55.25	40.67
Price/Earnings High	- -	0.44	14.17	13.74	- -	75.31	55.13
Price/Earnings Low	- -	0.28	5.54	6.3	- -	42.06	29.3
Price/Book Value	- -	0.57	3.81	2.13	5.95	5.74	5.89
Price/Book Value Average	- -	0.45	5.18	2.59	4.41	6.99	7.09
Price/Book Value High	- -	0.62	8.9	4	6.18	9.52	9.61
Price/Book Value Low	- -	0.4	3.48	1.83	2.75	5.32	5.11
Price/Tangible Book Value	- -	2.19	-0.17	-0.07	-0.17	-0.24	-0.3
Price/Tangible Book Value Average	- -	1.73	-0.23	-0.09	-0.13	-0.3	-0.36
Price/Tangible Book Value High	- -	2.4	-0.4	-0.13	-0.18	-0.4	-0.49
Price/Tangible Book Value Low	- -	1.55	-0.16	-0.06	-0.08	-0.23	-0.26
Price/Sales	- -	0.29	0.24	0.17	0.84	0.46	0.6
Price/Sales Average	- -	0.23	0.32	0.2	0.62	0.56	0.72
Price/Sales High	- -	0.32	0.55	0.31	0.87	0.77	0.97
Price/Sales Low	- -	0.2	0.22	0.14	0.39	0.43	0.52
Price/Cash Flow	- -	24	-0.06	0.04	4.03	-0.1	-0.35
Price/Cash Flow Average	- -	18.94	-0.08	0.04	2.99	-0.13	-0.42
Price/Cash Flow High	- -	26.28	-0.14	0.07	4.19	-0.17	-0.57
Price/Cash Flow Low	- -	17	-0.05	0.03	1.87	-0.1	-0.3
Price/Free Cash Flow Average	- -	-1,219.67	-1.29	0.05	3.56	-0.13	-3.09
Price/Free Cash Flow High	- -	-1,692.51	-2.21	0.07	4.99	-0.17	-4.2
Price/Free Cash Flow Low	- -	-1,094.6	-0.87	0.03	2.22	-0.1	-2.23
EV/Sales Average	- -	1.72	2.1	3.09	6.71	4.25	4.31
EV/Sales High	- -	1.81	2.31	3.2	6.97	4.54	4.64
EV/Sales Low	- -	1.7	2	3.03	6.48	4.06	4.06
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	13.13	5.92	3.31	7.15	5.87	4.38
High Price	- -	14.38	13.83	6.2	7.43	9.74	7.14
Enterprise Value Average	- -	8,050	5,304	5,686	5,330	6,015	6,698
Enterprise Value High	- -	8,464	5,834	5,888	5,529	6,425	7,201
Enterprise Value Low	- -	7,940	5,062	5,577	5,143	5,746	6,303

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Shares Outstanding	43	103	92	93	94	158	268
Diluted Weighted Avg Shares	103	103	1,603	92	93	111	1,599
Basic Weighted Avg Shares	103	103	101	92	93	111	211
Revenue per Share	10.36	45.42	25.07	19.9	8.51	12.71	7.35
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	4.03	32.81	0.98	0.45	-0.14	0.13	0.13
Basic EPS from Cont Ops	4.03	32.81	15.55	10.08	-0.75	2.96	1.15
Diluted EPS, GAAP	4.03	32.81	0.06	0.45	-0.14	0.13	0.02
Diluted EPS from Cont Ops	4.03	32.81	0.98	10.08	-0.75	2.96	0.15
Dividend per Share	- -	- -	0.3	0.4	0.4	0.36	0.37
Cash Flow per Share	-33.91	0.55	-98.7	89.41	1.77	-56.04	-12.52
Free Cash Flow per Basic Share	-34.07	-0.01	-99.35	89.12	1.49	-56.39	-12.87
Cash & Equivalents per Share	- -	11.87	7.98	7.61	5.31	3.21	1.88
Book Value per Share	- -	23.03	1.55	1.55	1.2	1.02	0.74
Tangible Book Value per Share	- -	5.99	-34.63	-46.55	-41.79	-24.11	-14.43