UWMC
UWM Holdings Corporation
MORTGAGE BANKERS & LOAN CORRESPONDENTS
UWM (UWMC) Stock: Buy, Sell, or Hold?
$1.27
-0.09 (-6.62%)
▼
5d:
-22.09%
30d:
+25.74%
90d:
-20.13%
Open in Live Scanner
70/30 Portfolio Builder
Earnings: Nov 04, 2026
0d
Protect UWMC Gains
Updated Nov 12, 12:00 AM ET
QUANTITATIVE VERDICT
WAIT
LOW Confidence (45%)
Quality Score
41/100
Position
FAIR
30-Day Fair Range
$1.09 – $1.53
Position: FAIR
Forward P/E & Valuation
5.4x
CHEAP
vs 6.5x historical avg
Wall Street Target
$1.86
+46.2% upside
Options IV & Volume
HIGH Vol
HIGH volume confirmation
Support / Resistance
$1.26 / $1.92
Trend: Strong Downtrend
Executive Thesis & Bottom Line
Forward Earnings Fair Value & Price Prediction →
⏸️ WAIT FOR STABILIZATION: UWMC is down 22.1% over the last 5 days. While fundamentals may be solid, catching a falling knife is risky. Wait for price to stabilize before entering.
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Interactive Price Chart (1 Month)
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Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$2.97
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$1.85
31.2% Margin of Safety
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 6.5x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: UWMC is currently trading at $1.27, which is considered fair relative to its 30-day fair value range of $1.09 to $1.53. From a valuation perspective, the stock is trading at a discount (Forward PE: 5.4) compared to its historical average (6.5). Remarkably, the market is currently pricing in an annual earnings decline of 6.1% over the next few years. This pessimistic expectation contrasts with the company's recent 277.8% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, UWMC is in a strong downtrend. The price is currently testing key support at $1.26. A bounce from this level would confirm strength, while a break below could signal further downside. Short-term momentum is weak, with the stock down 6.6% recently.
Market Sentiment: UWMC scores 15/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $1.86 (+46.2%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, UWMC is in a strong downtrend. The price is currently testing key support at $1.26. A bounce from this level would confirm strength, while a break below could signal further downside. Short-term momentum is weak, with the stock down 6.6% recently.
Market Sentiment: UWMC scores 15/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $1.86 (+46.2%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$1.09 -
$1.53
Company Quality Score
41/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
45.2%
Trading Range & Key Levels
30-Day Trading Range
$1.09 -
$1.53
Current vs Trading Range
FAIR
Support Level
$1.26
Resistance Level
$1.92
Current Trend
Strong Downtrend
Technical data as of
Nov 12, 2026
Protect Your Profits
Holding UWMC? Use our AI-powered strategies to protect your downside while keeping your long-term position.
View Profit Protection PlanQuantitative Signal Breakdown
- NEUTRAL: Price in fair range
- BEARISH: Weak technical setup (15/100)
- BULLISH: High volume confirmation
- BEARISH: Downward momentum (-6.6%)
- BULLISH: Trading 46.2% below Wall St target ($1.86)
- WARNING: Composite score 41/100 in the bottom quintile — this cohort historically lags the market
Fundamental Context
Forward P/E (Next Year Est.)
5.41
Wall Street Target
$1.86
(+46.2%)
Revenue Growth (YoY)
-62.2%
Earnings Growth (YoY)
277.8%
Profit Margin
0.8%
Valuation Discount vs History
-6.1% cheaper
PE vs Historical
5.4 vs 6.5
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-6.1%
(market-implied from PE analysis)
1-Year Target
$1.19
(-6%)
2-Year Target
$1.12
(-12%)
3-Year Target
$1.05
(-17%)
3-Yr Target (if PE normalizes)
(PE: 5→7)
$1.26
(-1%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 813.6%)
$15.74
(+1139%)
Base:
(SPY PE: 5.4, Growth: 813.6%)
$4.29
(+238%)
Bear:
(PE: 4.6, Growth: 813.6%)
$3.64
(+187%)
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 5.4 to 6.5
Stabilization Target:
$1.53
(+20.2%)
PE Expansion Potential:
+20.2%
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bloggers & journalists: you are free to use our charts with attribution.Reddit & Retail Trader Sentiment (UWMC)
Bullish
4 Retail Mentions
Reddit / WSB Comments
2
Bearish
StockTwits Volume
2 msgs
24h retail stream
Last Tracked
Nov 13, 2026
Daily AI digest
AI Retail Discussion Summary:
Traders on StockTwits express bullish sentiment towards $UWMC, anticipating a potential injection of $400M to the balance sheet and the positive impact of higher interest rates on MSR sales.
Key Retail Themes:
Anticipated balance sheet injection
Higher interest rates and MSR sales
Aggregated from r/wallstreetbets, r/stocks & StockTwits streams.
View All Trending Reddit & WSB Stocks →
Last updated: November 12, 2026 7:42 PM ET
Data refreshes hourly during market hours. Next update: 8:42 PM
Data refreshes hourly during market hours. Next update: 8:42 PM
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Technical Signals Check
Is UWMC showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
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