What is the 13F Pro Quality Score for UWMC?

13F Pro ranks UWM Holdings Corp (UWMC) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View UWMC's current score at https://13fpro.ai/research/UWMC (free sign-up required for the full ranking).

Which hedge funds own the most UWMC stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of UWMC include FMR, BlackRock,, VANGUARD CAPITAL MANAGEMENT. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/research/UWMC as soon as new 13F filings post.

Where does 13F Pro source UWMC data?

All UWM Holdings Corp fundamentals and ownership data come directly from SEC EDGAR. UWM Holdings Corp files with the SEC under CIK 1783398. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is UWMC in?

UWM Holdings Corp (UWMC) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is UWMC research updated on 13F Pro?

UWMC's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

UWM Holdings Corp(UWMC)Stock Analysis

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13F Pro Quality Score

49.4/100

Rank #1,510 of 2,879 stocks

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

84.2/100

Profitability

41.2/100

Balance Sheet

36.9/100

Earnings Quality

30.0/100

Free Cash Flow

5.5/100

Institutional Flow

72.8/100

Revenue Scale

70.4/100

Dilution Risk

45.6/100

UWMC Stock Analysis & AI Quality Score

AI stock analysis and institutional research for UWM Holdings Corp (UWMC), a Financials sector company. 13F Pro's AI-powered ranking engine scores UWMC at 49.4/100 on a 32-signal composite quality model, placing it at rank #1,510 of 2,879 stocks — the bottom half of the AI-ranked universe. UWMC scores in the top quartile across revenue growth (84.2). Areas of concern include free cash flow (5.5) and earnings quality (30.0), which score below median versus the broader universe. Shareholder dilution risk is elevated at 45.6/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q1 2026), UWM Holdings Corp reports quarterly revenue of $901.4M, net income of $25.3M, free cash flow of $-2.2B. Top institutional holders of UWMC by reported 13-F value include FMR, BlackRock,, VANGUARD CAPITAL MANAGEMENT, based on the most recent SEC filings. UWMC trades on the NYSE exchange and files with the SEC under CIK 1783398. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate UWMC daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for UWM Holdings Corp directly from SEC EDGAR. UWM Holdings Corp's 13F Pro composite quality score has ranged between 8 and 65 since 2021, currently 49.4 — a stable long-term trajectory across 55 quarterly and live scoring snapshots.

✦

Fun facts about UWM Holdings Corp

Quirks, history, and lore behind UWMC — the kind of stuff that makes a stock memorable.

1
The Basics
U.S. financial services company · mid-cap · listed on the NYSE · headquartered in Michigan.
2
The Numbers
It originates hundreds of billions of dollars in home loans annually, consistently ranking as one of the top mortgage lenders in the United States by volume.
3
The History
Founded in the early 1990s, it went public via a SPAC merger around 2021, riding a historic wave of mortgage refinancing demand.
4
The Secret
It doesn't lend to consumers directly — its entire model is wholesale mortgage lending, meaning it works exclusively through independent mortgage brokers, not retail loan officers.
5
The Lore
Its founder and CEO has been famously outspoken, publicly declaring war on retail mortgage giants and launching campaigns urging brokers to ditch competitors like Rocket and Fairway.
6
The Giveaway
Self-proclaimed #1 wholesale mortgage lender in America, based in Pontiac, Michigan, and run by the Ishbia family — whose brother also owns an NBA franchise.

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Revenue

Q1 2026

$901.4M

Net Income

Q1 2026

$25.3M

Free Cash Flow

Q1 2026

$-2.2B

ROIC

Q1 2026

3.9%

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

+18.2% YoY

$3.16BFY 2025

FY22 $2.37BFY23 $2.17BFY24 $2.67BFY25 $3.16B

Net Income

-25.9% YoY

$244.0MFY 2025

FY22 $931.9MFY23 $-13.2MFY24 $329.4MFY25 $244.0M

Operating Income

—FY 2025

FY22 —FY23 —FY24 —FY25 —

EPS (Diluted)

-7.7% YoY

$0.12FY 2025

FY22 $0.45FY23 $-0.14FY24 $0.13FY25 $0.12

Total Assets

+8.0% YoY

$16.93BFY 2025

FY22 $13.60BFY23 $11.87BFY24 $15.67BFY25 $16.93B

Total Debt

+7.1% YoY

$2.98BFY 2025

FY22 $2.00BFY23 $1.99BFY24 $2.79BFY25 $2.98B

Op. Cash Flow

+57.6% YoY

$-2.65BFY 2025

FY22 $8.27BFY23 $165.2MFY24 $-6.24BFY25 $-2.65B

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$3.16B +18.2%	$2.67B +23.5%	$2.17B -8.7%	$2.37B -20.1%	$2.97B -39.9%	$4.94B
Net Income	$244.0M -25.9%	$329.4M +2589.6%	$-13.2M -101.4%	$931.9M +846.6%	$98.4M +1795.2%	$-5.8M
Operating Income	—	—	—	—	—	$-6.8M
EPS (Diluted)	$0.12 -7.7%	$0.13 +192.9%	$-0.14 -131.1%	$0.45 -31.8%	$0.66	—
Total Assets	$16.93B +8.0%	$15.67B +32.0%	$11.87B -12.7%	$13.60B -39.6%	$22.53B +96.0%	$11.49B
Total Debt	$2.98B +7.1%	$2.79B +40.1%	$1.99B -0.6%	$2.00B +0.0%	$2.00B +7439.2%	$26.5M
Operating Cash Flow	$-2.65B +57.6%	$-6.24B -3877.1%	$165.2M -98.0%	$8.27B +183.0%	$-9.96B -17750.4%	$56.4M

AI Insight: UWMC Financial Trends

Revenue surged 45% from Q2 2024 to Q1 2026, but operating cash flow remains volatile and debt has risen 49%.

• Revenue grew from $622M (Q2 2024) to $901M (Q1 2026), a 45% increase over 9 quarters.

• Net income stabilized near breakeven; Q1 2026 posted $25M profit after losses in Q3 2024 and Q1 2025.

• Total debt increased 49% from $2,000M (Q2 2024) to $2,983M (Q1 2026), financing growth.

⚠ Operating cash flow highly erratic: negative $2,178M (Q3 2024) to positive $594M (Q1 2025) to negative $3,079M (Q3 2025).

⚠ Q1 2026 operating cash outflow of $2,230M signals ongoing working capital or mortgage servicing pressures despite revenue growth.

AI Insight: UWMC Ratio Trends

Operating margin surged to 19.7% in Q1 2026, reversing violent swings from 2025 and approaching peak profitability.

• OpMargin recovered to 19.7% in Q1 2026 from -42.5% in Q1 2025; ROIC similarly rebounded to 23.8% from -37.4%.

• Net profit margin stabilized at 2.8% in Q1 2026, highest since Q2 2025's 3.0%, after Q3 2025 near-breakeven.

• TTM OpMargin and ROIC now at 20.0% and 23.1%, suggesting sustainable profitability post-2025 turmoil.

⚠ 2025 showed extreme volatility—Q1 loss followed by Q2 spike to 43.4% OpMargin, then Q3 collapse to 1.5%; sustainability unclear.

⚠ ROA remains depressed at 0.5% TTM; asset efficiency has not recovered despite margin recovery, signaling operational leverage risk.

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Available Research

13F Pro tracks comprehensive data for UWM Holdings Corp including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of UWMC

FMR LLC
$96.0M26,508,262 sh
BlackRock, Inc.
$45.6M12,600,753 sh
VANGUARD CAPITAL MANAGEMENT LLC
$40.3M11,135,266 sh
Freestone Grove Partners LP
$35.3M9,759,126 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$34.7M9,596,819 sh
KING STREET CAPITAL MANAGEMENT, L.P.
$28.2M7,799,000 sh
TWO SIGMA INVESTMENTS, LP
$27.9M7,693,464 sh
BANK OF AMERICA CORP /DE/
$25.2M6,969,809 sh
NORTHERN TRUST CORP
$25.0M6,905,186 sh
GOLDMAN SACHS GROUP INC
$22.2M6,128,863 sh

Fund	Value	Shares
FMR LLC	$96.0M	26,508,262
BlackRock, Inc.	$45.6M	12,600,753
VANGUARD CAPITAL MANAGEMENT LLC	$40.3M	11,135,266
Freestone Grove Partners LP	$35.3M	9,759,126
VANGUARD PORTFOLIO MANAGEMENT LLC	$34.7M	9,596,819
KING STREET CAPITAL MANAGEMENT, L.P.	$28.2M	7,799,000
TWO SIGMA INVESTMENTS, LP	$27.9M	7,693,464
BANK OF AMERICA CORP /DE/	$25.2M	6,969,809
NORTHERN TRUST CORP	$25.0M	6,905,186
GOLDMAN SACHS GROUP INC	$22.2M	6,128,863

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Is UWMC a good stock to buy?

13F Pro's AI-powered analysis of UWM Holdings Corp (UWMC) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for UWMC are available on the UWMC stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own UWMC?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling UWMC. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of UWM Holdings Corp's investment landscape.