Event-Driven Stocks

UWM Holdings Corp

UWMCNYSE

Financials · Mortgage Bankers & Loan Correspondents · DE · SEC filings ↗ · Compare ⊕

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Signs● 1 good● 3 warningdetails ↓

Financials

SEC XBRL · annual
 FY25FY24FY23FY22FY21FY20
Revenue$3.16B$2.67B$2.17B$2.37B$2.97B$4.94B
Operating income—————−$6.8M
Net income$27.4M$14.4M−$13.2M$41.7M$98.4M−$5.8M
Total assets$16.93B$15.67B$11.87B$13.60B$22.53B$11.49B
Total liabilities$15.34B$13.62B$9.40B$10.43B$19.36B$9.12B
Equity$1.59B$2.05B$2.47B$3.17B$3.17B$5.0M
EPS (diluted)$0.12$0.13$-0.14$0.45$0.66—
Shares out.1.60B111.4M93.2M92.5M103.1M—

Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.

Key ratios

from filings · FY2025
Operating margin
—
Net margin
0.9%
Return on equity
1.7%
Return on assets
0.2%
Return on capital (ROCE)
—
Liabilities / assets
90.6%
Debt / equity
9.62×
Book value / share
$1.00
Revenue growth (YoY)
18.2%
Net income growth (YoY)
90.1%

Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.

Financial health

forensic scores · FY2025
Accruals / assets
15.8%high accruals
Piotroski F-Score
3/7weak

Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.

Quality score

EDS Score
63
/ 100
Profitability 100Growth 100Catalyst 67Earnings quality 0Financial strength 50

Our own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.

Signs

● 3 warning● 1 good
  • High leverage (liabilities > 70% of assets)
  • Negative operating cash flow
  • High accruals — earnings-quality risk
  • Revenue is growing year-over-year

Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.

5%+ owners

SEC Schedule 13D / 13G · last 3 yrs

Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.

Short interest

FINRA · bi-monthly
SettlementShares shortDays to coverΔ vs prior
May 15, 202643.2M1.9+17.7%
Apr 30, 202636.7M3.4+0.3%
Apr 15, 202636.6M3.1-9.7%
Mar 31, 202640.5M2.2-22.6%
Mar 13, 202652.3M2.6-4.5%

Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.

Material events

SEC Form 8-K · most recent

Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.

Recent SEC filings

All filings ↗

Event-driven situations (4)

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