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UWM Holdings Corp key statistics and ratios

In fiscal 2025, UWM Holdings Corp had return on equity of 1.5%, a net margin of 0.9% and debt equal to 188.2% of equity. Each ratio below is calculated from the figures on its income statement, balance sheet and cash flow pages.

Financial ratios

US$ thousands unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year2019Dec 20192020Dec 20202021Dec 20212022Dec 20222023Dec 20232024Dec 20242025Dec 2025LTMJun 2026
Operating margin—−0.1%——————
Net margin32.5%−0.1%3.3%1.8%−0.6%0.5%0.9%−1.0%
Free-cash-flow margin−274.8%−0.0%−337.4%347.4%6.4%−234.9%−86.1%−137.6%
Return on equity——6.2%1.3%−0.5%0.6%1.5%−2.9%
Return on assets>999%−0.1%0.6%0.2%−0.1%0.1%0.2%−0.2%
Asset turnover3099.250.860.170.130.170.190.190.21
Current ratio0.970.05——————
Debt to equity—>999%63.1%63.1%80.8%136.3%188.2%304.5%
Interest cover (operating income ÷ interest)—n/m——————
Effective tax rate0.0%0.1%0.6%0.3%—2.0%2.7%—
Capital spending as % of revenue1.3%1.2%2.2%1.1%1.2%1.5%2.3%1.7%
Free cash flow ÷ net income−846.3%—<−999%>999%—<−999%<−999%—
Dividends ÷ net income0.0%—31.1%88.5%—275.9%287.1%—
Dividends and buybacks ÷ free cash flow———0.4%26.8%———

Returns use average equity or assets over the year. Return on equity is left blank when equity is negative or so small that the ratio says nothing (above ±200%); interest cover is left blank above 200 times. Price-based ratios such as P/E are on the valuation page.

Moat

Not assessed: fewer than five years of comparable figures in the filings. AI disruption exposure for this industry: Medium.

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Compare with peers

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Figures from UWM Holdings Corp's SEC filings (10-K and 10-Q), retrieved October 20, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to UWM Holdings Corp.