Stock Ratings / Financials / UWMC / earnings

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UWM Holdings Corporation (Class A) (UWMC) Next Earnings Date & Expected ±12.5% Move

$1.57 +5.37% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $1.58

UWM Holdings Corporation (Class A) (UWMC) carries a Roarable Rating of D (Sell) with 50/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

📊 Historical Track Record: Scores of 50/100 (D) historically posted market-perform odds over rolling 90-day windows (-1.4% avg 90D alpha vs SPY) →

ROARABLE D • SELL / AVOID Cap $2.39B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on UWMC Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is UWMC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-02, UWM Holdings Corporation (Class A) (NYSE: UWMC) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 50/100 at a spot price of $1.57 (+5.37% 1D, market cap $2.39B). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 10/20, Executive Insider Alignment 10/20, FRED Macro Regime Fit 7/20, and SEC Balance-Sheet Forensics 13/20. Across 1096 tracked Financials issuers, UWMC ranks #669 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does UWMC compare to UPST and CLSK in the Financials sector?

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Within the Financials sector (Finance: Consumer Services), UWMC carries a Roarable D (50/100 RQD), trailing P/E of 9.8x, gross margin of —, and ROIC of 15.3%. By comparison, UPST (Upstart Holdings Inc.) holds a E grade (32/100 RQD, P/E 45.1x, ROIC 3.2%, cap $2.42B) and CLSK (CleanSpark Inc.) posts a D- grade (42/100 RQD, P/E 5.8x, ROIC 14.5%, cap $2.11B). Among the 5-stock peer group, CLSK leads on earnings multiple (5.8x) while UWMC leads on capital efficiency (15.3% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for UWMC?

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Per UWMC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001783398), UWM Holdings Corporation (Class A) generated $3.16B in revenue (+18.2% YoY), $244.0M in net income, and -$2.72B in free cash flow against $16.93B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $1.58 (+0.78%)🧬 Cannibal Buyback (-1.52% YoY Shares)⚙️ Cash Engine: 10/20 (D) • 0% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 50/100 (D) historically posted market-perform odds over rolling 90-day windows (-1.4% avg 90D alpha vs SPY • 49.3% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D

3-of-3 JEV AI Jury Bearish Warning

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ · Rk D-

Each axis scored 0–20

12M PRICE TARGET CONE-3.8% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for UWMC)Realized 20D OHLCV Swing Band: ±12.5%

Deterministic 5-Pillar Attribution (50/100 Composite)

🔍 WHY UWMC SCORES 50/100 (D) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+13/20 pts (26% of score)

SEC Form 4 / 13F Thermometer: 65% Net Buy • Cannibal Buyback (-1.52% YoY Shares)

▲ #2 Bullish Driver: Cash Engine Quality+10/20 pts (20% of score)

SEC XBRL FY 2025 (10-K): 0% FCF Margin ($0 FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Macro Regime Fit7/20 pts (-13 pt drag)

Macro rate sensitivity & RSI-14 (60.8) create a -13 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade D$1.02+3.9% Next Q

Q2 (-2Q)

Grade D$1.06+33% Next Q

Q3 (-1Q)

Grade D$1.41+11.3% Next Q

Current

Grade D$1.57-1.4% Hist 90D α

Trajectory: D (42) → D (50)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a UWMC Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While UWMC currently carries a cautious 50/100 (D) rating due to Macro Regime Fit (7/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($1.29) and Max Pain ($1.65) forces dealer call-delta covering toward $6.46.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Cannibal Buyback (-1.52% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $UWMC• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “UWMC Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 50%NO 50%Trade / Inspect Odds →

NEXT EST. WINDOW: Dec 30, 2026 (~57 DAYS)

Historical OHLCV Volatility ±12.5% Swing Band

±$0.20 Expected Swing

MODEL EARNINGS SETUP GAUGE

UWMC Quantitative Pre-Earnings Setup: 50/100

Trailing EPS: $0.15 • YoY Revenue Growth: 18.2%

Model Bullish Setup (50/100)Model Risk Weight (50/100)

Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).

LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

Period	Filed	Revenue	Net Profit	Free Cash Flow	Gross Margin
FY 2025	2025-12-31	$3.16B	$244.0M	-$2.72B	52%
FY 2024	2024-12-31	$2.67B	$329.4M	-$6.28B	52%
FY 2023	2023-12-31	$2.17B	-$69.8M	$165.2M	52%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring UWMC)

✓Walkthrough of UWMC's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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UWMC // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -55.65%⚡ TESTING RESISTANCE

2026-11-02O $1.50H $1.57L $1.49C $1.57VOL 26.31M

RES: $1.61SUP: $0.90SMA50: $1.29SMA200: $2.77

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

UWMC Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 UWMC Butterfly Map → + Track UWMC →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

-1.6%/yr Implied 5Y Growth

vs. +18.2% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on UWMC today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for UWMC. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for UWMC today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (UWMC)

Financials Rank #669 of 1096 ⚔️ UPST vs UWMC Full Matrix →

1. Head-to-Head Financials Peer Comparison (UWMC vs. UPST, CLSK, SII, MARA)

Industry: Finance: Consumer Services (156 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, UWM Holdings Corporation (Class A) (UWMC) ranks #669 by composite RQD confidence (50/100, grade D) and #406 by equity capitalization ($2.39B). Within this direct 5-issuer industry benchmark cohort, CLSK leads on earnings valuation at 5.8x trailing P/E, while UWMC leads on capital efficiency and profitability with 15.3% ROIC and — gross margin. UWMC currently leads its immediate peer cohort in composite quantitative strength at 50/100 (D).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
UWMC ACTIVE UWM Holdings Corporation (Class A)	D	50/100	9.8x	—	15.3%	+5.37%	$2.39B	Benchmark Subject
UPST Upstart Holdings Inc.	E	32/100	45.1x	—	3.2%	-7.33%	$2.42B	/upst-vs-uwmc →
CLSK CleanSpark Inc.	D-	42/100	5.8x	—	14.5%	-6.46%	$2.11B	/clsk-vs-uwmc →
SII Sprott Inc.	D	44/100	—	—	—	-5.23%	$2.75B	/sii-vs-uwmc →
MARA MARA Holdings Inc.	E	28/100	—	—	-15.8%	-5.51%	$2.77B	/mara-vs-uwmc →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001783398

In its most recent audited fiscal period (FY2025, filed 2025-12-31), UWM Holdings Corporation (Class A) (UWMC) reported GAAP revenue of $3.16B (+18.2% vs. FY2024 revenue of $2.67B , and +46.0% cumulative change since FY2023) , GAAP net income of $244.0M, operating cash flow of -$2.65B, and free cash flow of -$2.72B (+56.7% YoY). On the balance sheet, UWMC closed FY2025 with $16.93B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 2/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$3.16B	$244.0M	-$2.65B	-$2.72B	$16.93B	—
FY2024 (FY)	2024-12-31	$2.67B	$329.4M	-$6.24B	-$6.28B	$15.67B	—
FY2023 (FY)	2023-12-31	$2.17B	-$69.8M	$165.2M	$165.2M	—	—

3. UWMC Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is UWMC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does UWMC compare to UPST and CLSK in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for UWMC?

Where is UWMC trading relative to its 50-day, 200-day, and 52-week technical levels?

UWMC last traded at $1.57 (+5.37% on volume of 11,294,894 shares), positioning the stock +21.71% above its 50-day simple moving average ($1.29) and -43.32% below its 200-day simple moving average ($2.77). Across its 52-week range of $0.93 to $6.15, UWMC sits at the 12.3% percentile with a 14-day RSI of 60.8 (BULLISH MOMENTUM) and an implied next-earnings move of ±12.5% ($1.37 to $1.77).

UWMC Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

When is UWMC's next earnings date?

Based on SEC filing cadence, UWM Holdings Corporation (Class A) (UWMC)'s next quarterly reporting window is estimated around Dec 30, 2026.

How much is UWMC stock expected to move on earnings?

Volatility modeling currently projects a ±12.5% event move for UWMC, spanning a range between $1.37 and $1.77.

Direct Sub-Reports: UWMC RQD Cockpit UWMC 12M Forecast UWMC Earnings & Move UWMC Dividends & DRIP UWMC Insiders & 13F UWMC Whale Options UWMC Profit Sankey UWMC News & Why

ROARABLE RATING BRIEF • RQD 50/100 (D) ✓ STAGE-C NUMBER FIREWALL VERIFIED

UWMC — UWM Holdings Corporation (Class A): What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5

As of: 2026-11-02T15:25:51Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, UWMC scores 50 out of 100, a letter grade of D, with the verdict "Roarable Sell — Underperform / Distribution Warning." The five pillars are: Fundamental Cash Engine at 10 of 20 (ROIC 15.3%; FCF yield 0%), Whale 13F Flow at 10 of 20 (institutional accumulation and options positioning), Insider Conviction at 13 of 20 (SEC Form 4 and Congressional PTR cluster flow), Macro Regime Fit at 7 of 20 (Beta 1.0; sector sensitivity), and Forensic Balance Sheet at 10 of 20 (Altman Z 2.5; Piotroski F 2/9; Debt/Equity 0.5). The highest-scoring pillar is Insider Conviction, while the Macro Regime Fit pillar carries the lowest score. For a prospective investor, the composite rating signals weak cash generation, a Piotroski F-Score of 2 out of 9 that points to limited improvement across standard financial-health checks, and a modest forensic balance sheet. The 0% FCF yield means the rating's cash-engine pillar is not supported by free-cash-flow returns to shareholders at the current price. Any upside case would need to rest on factors outside the reported cash metrics, and the rating itself frames the near-term posture as distribution risk rather than accumulation.

Business

UWM Holdings Corporation (Class A) is a NYSE-listed issuer classified in the Financials sector and the Finance: Consumer Services industry. Per the profile, the company carries a market capitalization of $2.4B. The source data does not describe its products, customer base, or revenue model beyond the sector and industry classification.

Financial Trend

Period	Revenue	Operating Income	Net Income	EPS	FCF	Cash	Debt
FY 2025	$3160.6M	$0.0M	$244.0M	N/A	$-2721.6M	$503.4M	N/A
FY 2024	$2674.1M	$0.0M	$329.4M	N/A	$-6280.9M	$507.3M	N/A
FY 2023	$2165.5M	$0.0M	$-69.8M	N/A	$165.2M	N/A	N/A

Per the SEC financials, revenue rose from $2165.5M in FY 2023 to $3160.6M in FY 2025, while net income was $-69.8M in FY 2023, $329.4M in FY 2024, and $244.0M in FY 2025. Reported free cash flow was negative in FY 2025 and FY 2024. Per the market data, net margin is 7.7%, gross and operating margins are both 0%, and ROIC is 15.3%. Per the RQD rating, the Altman Z-Score is 2.5, the Piotroski F-Score is 2 out of 9, and Debt/Equity is 0.5. The source data does not provide Debt values for any period.

Butterfly Effect: 2nd-Order Supply-Chain & Sector Ripples

Per the Butterfly Supply-Chain Graph, the supply chain is listed as NONE, with no butterfly links and no proprietary signals. The sector is Financials and the industry is Finance: Consumer Services. The source data does not identify upstream or downstream dependencies, sector correlations, or second-order bottlenecks.

Open Questions

What drives the negative reported free cash flow in FY 2024 and FY 2025 despite positive net income, and how does it reconcile with the 15.3% ROIC?
What are the Debt values by period, given that the source reports Debt as N/A for all three periods?
What explains the operating income figure of $0.0M across all reported periods?
What business activities generate the reported revenue, and what products or customers sit behind the Finance: Consumer Services classification?
What catalysts or news could explain the stock's movement from a 52-week range of $0.93 to $6.15 and its current price of 1.49?

UWMC Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for UWM Holdings Corporation (Class A) (UWMC) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to UWMC Debate Forum (3) ↓

🔴 RISK WATCH Fintel • 17h ago

UWM Holdings Consensus Price Target Cut by 30.41% to $1.72

Read Full Source ↗

🔴 RISK WATCH Yahoo • 2d ago

UWM Holdings (UWMC) Stock Fair Value Falls After Analysts Turn More Cautious

Price targets for UWM Holdings now tend to sit in a band of about US$1.50 to US$2.00 per share, reflecting a more cautious stance than before. Analysts link these levels to a balance between solid operating updates and c

Read Full Source ↗

🟡 MARKET WIRE Yahoo • 5d ago

UWM Holdings Corporation to Announce Third Quarter 2026 Financial Results and Host Earnings Q&A

PONTIAC, Mich., October 28, 2026--UWM Holdings Corporation (NYSE:UWMC), the publicly traded indirect parent of United Wholesale Mortgage (UWM), the #1 overall mortgage lender, wholesale and purchase mortgage lender in th

Read Full Source ↗

🔴 RISK WATCH Fintel • 5d ago

Compass Point Downgrades UWM Holdings to Neutral from Buy

Read Full Source ↗

🔴 RISK WATCH Benzinga • 6d ago

Compass Point Downgrades UWM Holdings to Neutral, Announces $1.5 Price Target

Compass Point analyst Jason Stewart downgrades UWM Holdings (NYSE:UWMC) from Buy to Neutral and announces $1.5 price target.

Read Full Source ↗

🟡 MARKET WIRE SeekingAlpha • 10d ago

UWM Holdings: Why An 80% Decline Still May Not Be Enough

UWM Holdings is rated a Hold, with a $0.55/share price target, reflecting limited risk-adjusted upside and significant dilution risk. Click for more on UWMC.

Read Full Source ↗

🟢 CATALYST Yahoo • 10d ago

UWM Soars 19% on $1.8 Billion Debt-Paydown Plan and Preliminary Q3 Profit

Key TakeawaysUWM Holdings shares jumped 19% after it said it expects to have earned $205 million to $220 million in the third quarter, and that it plans to sell more than $1. 8 billion of mortgage servicing rights in the

Read Full Source ↗

🟡 MARKET WIRE Fintel • 10d ago

UWM Holdings Corporation Announces Preliminary Third Quarter 2026 Results and Updates on $400 million Rights Offering

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

UWMC Bull vs. Bear Conversation Board — What's Your Call at $1.57?

🐂 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON UWMC 🐻 50% BEARISH CONVICTION

RO RoarDesk_Moderator Roarable Research Desk ⚖️ DEBATE HOST 🎯 Target: $1.61 (+8.1%)

📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is UWMC (D • RQD 50/100) a Buy at $1.49?

Welcome to the UWMC (UWM Holdings Corporation (Class A)) Roar Pit. Current RQD Composite is 50/100 (Roarable Sell — Underperform / Distribution Warning) in Finance: Consumer Services. Bulls point to capital efficiency (15.3% ROIC), while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

SK SkepticalCFA Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $1.22 (-18.1%)

Spot @ $1.49

Pump the brakes on UWMC — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on UWMC, but look at what you are paying: 9.8x trailing P/E with tightening sector spreads. Unless UWM Holdings Corporation (Class A) expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

CA CashFlowKing Verified K Arena Trader 🐂 BULLISH 🎯 Target: $1.73 (+16.1%)

Spot @ $1.49

UWMC cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on UWMC, the market is fixating on short-term headline noise in Finance: Consumer Services and ignoring the balance sheet and cash flow trajectory. At $1.49 (52-wk range $0.93 - $6.15), any beat on forward guidance forces shorts and underweight funds to chase.