UWM Holdings Corporation cash flow to debt ratio of -18.34% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

UWM Holdings Corporation's free cash flow has increased -56.67% from $-6.28G last year to $-2.72G, signaling increasing performance

UWM Holdings Corporation's debt to equity ratio is 109.53, which means that the company's assets are unhealthy financed, signaling financial risk. READ MORE: A ratio over 0.60 means the company finances its assets with debt, signaling financial risk. If ratio is negative, the company spent its own equity and risks bankruptcy

UWM Holdings Corporation's debt has increased relative to shareholder equity from 79.50 last year to 109.53 today, signaling weakened financials

UWM Holdings Corporation has a net debt to EBITDA ratio of 16.76x, which exceeds the 3.00x threshold, indicating high leverage and potential financial risk

UWM Holdings Corporation earns at least as much interest as it pays. Interest obligations are fully covered.

UWM Holdings Corporation's profit margin has decreased (-253.33%) in the last year from 0.76% to -1.16%, signaling decreasing performance

UWM Holdings Corporation's short-term liabilities of $3.21G exceed its short-term assets of $2.16G, signaling financial risk

UWM Holdings Corporation's return on assets of -0.21% is lower than the 5.00% threshold, indicating inefficient asset utilization

UWM Holdings Corporation's return on equity of -20.07%, is lower than 15.00%, indicating bad performance

UWM Holdings Corporation's operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

UWM Holdings Corporation had positive net income in 4.00 out of 5 years, indicating stable and consistent earnings

UWM Holdings Corporation has negative free cash flow, indicating the company is burning cash rather than generating it

UWM Holdings Corporation has negative free cash flow, indicating cash burn

UWM Holdings Corporation's yearly earnings has increased 90.09% since last year from $14.40M to $27.38M, signaling increasing performance

UWM Holdings Corporation's yearly revenue has increased 65.83% since last year from $1.91G to $3.16G, signaling increasing performance

ROIC 4.94% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

UWM Holdings Corporation's 3-year revenue CAGR of 13.76% is positive, indicating growing revenue over the past 3 years

UWM Holdings Corporation had revenue growth in only 2.00 out of 5 years, indicating inconsistent revenue performance

UWM Holdings Corporation had positive ROE in 4.00 out of 5 years, indicating consistent and reliable returns on equity

UWM Holdings Corporation has insufficient data to evaluate this check.

UWM Holdings Corporation has negative trailing-twelve-month earnings; this ratio is not meaningful and the check fails

UWM Holdings Corporation is overvalued relative to its fair value price of 0.00 based on EBITDA multiple model

UWM Holdings Corporation has an EV/EBITDA ratio of 19.65x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

UWM Holdings Corporation is undervalued relative to its fair value price of 5.50 based on Earnings Fair Value model

UWM Holdings Corporation has negative trailing-twelve-month earnings; this ratio is not meaningful and the check fails

UWM Holdings Corporation has a price-to-book ratio of 0.54x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

UWM Holdings Corporation has a price-to-sales ratio of 0.17x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue