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UWM HoldingsUWMC -3.31%52 Debt-to-Equity is 45.86 as of Jun. 2026, which is 104% above its 10-year median of 22.43. GuruFocus rates UWMC with a GF Score™ of 52/100 and a GF Value™ of $1.38 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,414 Banks companies, UWM Holdings ranks worse than 99.93% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for UWM Holdings's Debt-to-Equity or its related term are showing as below:
UWMC'
s Debt-to-Equity Range Over the Past 10 Years
Min: 3.46 Med: 22.43 Max: 117.51
Current: 45.86
During the past 7 years, the highest Debt-to-Equity Ratio of UWM Holdings was 117.51. The lowest was 3.46. And the median was 22.43.
UWMC's Debt-to-Equity is ranked worse than 99.93% of 1414
companies
in the Banks industry
Industry Median: 0.58
vs UWMC: 45.86
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
UWM Holdings Debt-to-Equity Related Terms
UWM Holdings Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for UWM Holdings's Debt-to-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Mortgage Finance subindustry, UWM Holdings's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
UWM Holdings Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, UWM Holdings's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where UWM Holdings's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
UWM Holdings (UWMC) has a Debt-to-Equity of 45.86 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on UWM Holdings and its competitors. This is 104% above median its historical median of 22.43. Over the past decade, UWM Holdings' Debt-to-Equity has ranged from 3.46 to 117.51. According to the industry distribution chart, UWM Holdings ranks #1413 out of 1414 companies in the Banks industry, placing it in the top 99.9%.
Is UWM Holdings' Debt-to-Equity too high?
UWM Holdings' current Debt-to-Equity of 45.86 is 104% above median its 10-year median of 22.43. Over the past 10 years, this metric has ranged from a low of 3.46 to a high of 117.51. The Banks industry median Debt-to-Equity is 0.58. UWM Holdings' value of 45.86 is 7806.9% above this industry median. Based on the distribution chart, UWM Holdings ranks #1413 out of 1414 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, UWM Holdings has a GF Score™ of 52/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does UWM Holdings' Debt-to-Equity compare to VEL and LDI?
According to the Banks industry distribution chart, UWM Holdings ranks #1413 out of 1414 companies for Debt-to-Equity. This places UWM Holdings in the lower half of its industry. The industry median Debt-to-Equity is 0.58. UWM Holdings' value of 45.86 is 7806.9% above this benchmark. Historically, UWM Holdings' own Debt-to-Equity has ranged from 3.46 to 117.51 over the past decade. While the company's 10-year median is 22.43 vs. the industry median of 0.58, UWM Holdings has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,414 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. UWM Holdings's current Debt-to-Equity of 45.86 is 7806.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on UWM Holdings and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. UWM Holdings's current Debt-to-Equity is 45.86, which is 104% above median its own 10-year median of 22.43. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is UWM Holdings stock overvalued right now?
Based on GuruFocus' analysis, UWM Holdings (UWMC) is currently considered Fairly Valued. The stock's GF Value™ is $1.38, compared to a current price of $1.46 — trading 5.8% above its estimated fair value. The current Debt-to-Equity is 45.86, which is 104% above median its 10-year median of 22.43 and 7806.9% above the Banks industry median of 0.58. UWM Holdings' overall GF Score™ is 52/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For UWM Holdings (UWMC), the current Debt-to-Equity is 45.86 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is UWM Holdings (UWMC) Overvalued in 2026?
Based on GuruFocus' analysis, UWM Holdings stock appears to be overvalued.
The current stock price of $1.46 is trading 5.8% above its estimated GF Value™ of $1.38.
GuruFocus considers UWM Holdings to be Fairly Valued.
Key valuation signals for UWMC:
Debt-to-Equity: 45.86 (104% above median its 10-year median of 22.43)
GF Value™: $1.38 vs. price of $1.46 (5.8% above fair value)
Industry Position: 7806.9% above the Banks median (#1413 of 1414)
No single metric tells the full story. See the UWMC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
UWM Holdings Corp engages in the origination, sale, and servicing of residential mortgage loans in the wholesale channel. The company provides independent mortgage advisors across the states and the district of Columbia.
52GF Score
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