Revenue (FY 2025)
↑18.2% YoY
$3.16B
3-Yr CAGR: 10.0%
Net Income
↓-31.2% YoY
$216.64M
Net Margin: 6.9%
Free Cash Flow
↑56.7% YoY
-$2.72B
FCF Yield: -589.93%
EPS (Diluted)
↓-7.7% YoY
$0.12
Basic: $0.13
Return on Equity
Efficiency
13.6%
ROA: 1.3%
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (UWMC)
All monetary values in millions ($M)
⚠️ YoY Data Quality Alert
- FY 2020: Revenue YoY (-87.4%) is identical to Gross Profit YoY (-87.4%). Verify the underlying Revenue and Gross Profit values for FY 2020 and FY 2019.
| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Div / Sh | Div Yield | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| FY 2019 | $1,278.4M | — | $1,278.4M | — | — | — | — | — | — | $-0.2M | $-0.2M | — |
| FY 2020 | $161.2M | -87.4% | $161.2M | $-5.8M | — | $-0.12 | — | — | 0.00% | $-1.8M | $-59.1M | -33,881.6% |
| FY 2021 | $2,970.3M | +1,743.1% | $2,665.6M | $1,470.0M | +25,412.2% | $0.66 | +650.0% | $0.02 | 0.32% | $-9,957.0M | $-10,022.3M | -16,862.0% |
| FY 2022 | $2,372.6M | -20.1% | $2,066.6M | $890.1M | -39.4% | $0.45 | -31.8% | $0.40 | 12.07% | $8,268.2M | $8,241.6M | +182.2% |
| FY 2023 | $2,165.5M | -8.7% | $1,845.2M | $-56.6M | -106.4% | $-0.14 | -131.1% | $0.40 | 5.59% | $165.2M | $138.8M | -98.3% |
| FY 2024 | $2,674.1M | +23.5% | $2,183.4M | $315.0M | +657.0% | $0.13 | +192.9% | $0.36 | 6.08% | $-6,241.5M | $-6,280.9M | -4,624.9% |
| FY 2025 | $3,160.6M | +18.2% | $2,629.8M | $216.6M | -31.2% | $0.12 | -7.7% | $0.05 | 1.12% | $-2,647.6M | $-2,721.6M | +56.7% |
Valuation
Market Price
$1.36
Market Cap
$461.35M
Enterprise Value
$5.46B
P/E Ratio
11.33
P/B Ratio
0.29
FCF Yield
-589.93%
Dividend Yield
3.61%
Shares Outstanding
Profitability & Margins
Gross Margin
83.21%
Operating Margin
6.86%
Net Margin
6.85%
Return on Equity (ROE)
13.59%
Return on Assets (ROA)
1.28%
Asset Turnover
0.19x
Revenue 3-Yr CAGR
10.03%
Financial Health & Liquidity
Current Ratio
0.06
Cash Ratio
128.51
Debt / Equity
3.455
Debt / Assets
0.325
Cash & Equivalents
$503.36M
Total Debt
$5.51B
Book Value / Share
$4.70
Cash Flow Efficiency
Operating Cash Flow
-$2.65B
Capital Expenditures (CapEx)
$74.05M
Free Cash Flow
-$2.72B
OCF / Revenue
-83.77%
FCF / Revenue
-86.11%
FCF 3-Yr CAGR
N/A
Per Share Metrics
EPS (Diluted)
$0.12
EPS (Basic)
$0.13
Dividends / Share
$0.05
Book Value / Share
$4.70
EPS YoY Growth
-7.69%
Balance Sheet (FY 2025)
Total Assets
$16.93B
Total Liabilities
$15.34B
Stockholders' Equity
$1.59B
Current Assets
$234.46K
Current Liabilities
$3.92M