UWM (NYSE:UWMC) Reaches New 1-Year Low on Disappointing Earnings

Shares of UWM Holdings Corporation (NYSE:UWMC) hit a new 52-week low during trading on Thursday following a dissappointing earnings announcement. The company traded as low as $3.79 and last traded at $4.1550, with a volume of 56838439 shares changing hands. The stock had previously closed at $4.56.

The company reported $0.08 EPS for the quarter, missing analysts’ consensus estimates of $0.09 by ($0.01). UWM had a negative return on equity of 6.81% and a net margin of 0.61%.The business had revenue of $945.25 million during the quarter, compared to the consensus estimate of $759.12 million.

UWM Dividend Announcement

The business also recently disclosed a quarterly dividend, which will be paid on Thursday, April 9th. Stockholders of record on Thursday, March 19th will be given a dividend of $0.10 per share. This represents a $0.40 dividend on an annualized basis and a dividend yield of 9.6%. The ex-dividend date is Thursday, March 19th.

More UWM News

Here are the key news stories impacting UWM this week:

• Positive Sentiment: UWM declared a quarterly cash dividend of $0.10 per share (record/ex‑div date Mar 19; payable Apr 9), implying a high ~9.6% yield that may attract income-focused buyers. Dividend Announcement
• Positive Sentiment: Top-line beat: UWM reported Q4 revenue of ~$945.3M vs. consensus ~ $759.1M, showing stronger origination volume/fee revenue than expected — a constructive sign for franchise cash flow. Press Release
• Positive Sentiment: Unusual options activity: traders bought ~54,116 call contracts (≈+687% vs typical volume), indicating speculative bullish interest that can amplify intraday volatility. (Market data report)
• Neutral Sentiment: Industry context: coverage notes that easing interest rates helped UWM late in 2025, which supports originations and margins if the rate environment persists. Crain’s: Lower Rates Help UWM
• Neutral Sentiment: Analyst snapshot: the Street remains mostly “Hold” (consensus target ~$6.53), so expectations are mixed and any guidance swings may matter more than upgrades. Analyst Consensus
• Negative Sentiment: EPS miss: UWM reported Q4 EPS of $0.08 vs. the $0.09 consensus and showed weak profitability metrics (net margin ~0.61%, negative ROE), which can pressure valuation multiple. Zacks: Earnings Miss
• Negative Sentiment: Q1 revenue guidance trimmed: UWM set Q1 revenue guidance of ~$650M–$850M versus consensus ~$816.5M — the lower end of the range and the wide band increase uncertainty and may signal cautious origination expectations. Guidance in Press Release
• Negative Sentiment: Insider selling: CEO Mat Ishbia executed a sizable sale (632,874 shares at ~$4.03 on Feb 25), trimming his stake materially; repeated large insider sales this month can be perceived negatively by investors. SEC Form 4

Analysts Set New Price Targets

A number of equities research analysts have recently issued reports on UWMC shares. Jefferies Financial Group set a $4.40 target price on UWM in a research report on Wednesday. Keefe, Bruyette & Woods lifted their price target on UWM from $6.50 to $6.75 and gave the stock a “market perform” rating in a research note on Thursday, December 18th. Wall Street Zen lowered shares of UWM from a “hold” rating to a “strong sell” rating in a research note on Saturday, November 15th. Morgan Stanley set a $6.00 target price on shares of UWM in a research report on Tuesday, December 16th. Finally, The Goldman Sachs Group set a $5.00 price target on shares of UWM in a report on Tuesday, January 6th. Two investment analysts have rated the stock with a Buy rating, seven have issued a Hold rating and one has given a Sell rating to the company. According to data from MarketBeat.com, the stock has a consensus rating of “Hold” and a consensus target price of $6.46.

Insider Activity at UWM

In related news, CEO Ishbia Mat sold 632,874 shares of the business’s stock in a transaction that occurred on Wednesday, February 25th. The shares were sold at an average price of $4.03, for a total transaction of $2,550,482.22. Following the transaction, the chief executive officer directly owned 3,330,659 shares of the company’s stock, valued at approximately $13,422,555.77. The trade was a 15.97% decrease in their ownership of the stock. The sale was disclosed in a document filed with the SEC, which is accessible through the SEC website. Insiders have sold 20,785,125 shares of company stock worth $106,402,307 in the last ninety days. Company insiders own 87.50% of the company’s stock.

Institutional Trading of UWM

A number of institutional investors have recently bought and sold shares of UWMC. Allworth Financial LP grew its stake in UWM by 5,681.9% in the third quarter. Allworth Financial LP now owns 4,163 shares of the company’s stock valued at $25,000 after purchasing an additional 4,091 shares in the last quarter. GAMMA Investing LLC grew its stake in shares of UWM by 408.7% in the 3rd quarter. GAMMA Investing LLC now owns 5,407 shares of the company’s stock valued at $33,000 after buying an additional 4,344 shares in the last quarter. Raymond James Financial Inc. bought a new position in UWM during the second quarter valued at approximately $35,000. Farther Finance Advisors LLC lifted its stake in UWM by 1,410.7% in the fourth quarter. Farther Finance Advisors LLC now owns 8,596 shares of the company’s stock valued at $38,000 after acquiring an additional 8,027 shares during the last quarter. Finally, Advisory Services Network LLC acquired a new stake in UWM in the third quarter valued at approximately $38,000. Institutional investors and hedge funds own 53.59% of the company’s stock.

UWM Stock Down 8.9%

The company’s 50-day simple moving average is $5.01 and its 200 day simple moving average is $5.46. The company has a debt-to-equity ratio of 2.40, a current ratio of 1.45 and a quick ratio of 1.45.

UWM Company Profile

United Wholesale Mortgage (NYSE: UWMC) is a leading mortgage lender in the United States specializing in the wholesale channel. The company partners with independent mortgage brokers, community banks and credit unions to offer a full suite of residential mortgage products. Through its network of third-party originators, United Wholesale Mortgage underwrites, funds and closes loans, allowing its partners to focus on customer acquisition and service.

The company’s product offerings include conventional fixed- and adjustable-rate mortgages, Federal Housing Administration (FHA) loans, Veterans Affairs (VA) loans, U.S.