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EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, UWM Holdings's Enterprise Value is $8,870 Mil.
UWM Holdings's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was $-4,861 Mil. Therefore, UWM Holdings's EV-to-OCF for today is -1.82.
The historical rank and industry rank for UWM Holdings's EV-to-OCF or its related term are showing as below:
UWMC'
s EV-to-OCF Range Over the Past 10 Years
Min: -18.55 Med: -1.76 Max: 144.5
Current: -1.82
During the past 7 years, the highest EV-to-OCF of UWM Holdings was 144.50. The lowest was -18.55. And the median was -1.76.
UWMC's EV-to-OCF is ranked better than 77.61% of 1492
companies
in the Banks industry
Industry Median: 4.07
vs UWMC: -1.82
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
UWM Holdings's PE Ratio (TTM) for today is calculated as:
UWM Holdings's share price for today is $1.47.
UWM Holdings's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $-0.080.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
UWM Holdings EV-to-OCF Related Terms
UWM Holdings EV-to-OCF Historical Data
* Premium members only.
The historical data trend for UWM Holdings's EV-to-OCF 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 EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, UWM Holdings's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where UWM Holdings's EV-to-OCF falls into.
UWM Holdings's current Enterprise Value is $8,870 Mil.
UWM Holdings's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $-4,861 Mil.
* 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 EV-to-OCF of -1.82 as of Sep. 06, 2026. According to the industry distribution chart, UWM Holdings ranks #334 out of 1492 companies in the Banks industry, placing it in the top 22.4%.
Is UWM Holdings' EV-to-OCF too high?
UWM Holdings' current EV-to-OCF is -1.82. Based on the distribution chart, UWM Holdings ranks #334 out of 1492 companies in the Banks industry, which is in the top quartile — a strong position 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' EV-to-OCF compare to WD and FMCC?
According to the Banks industry distribution chart, UWM Holdings ranks #334 out of 1492 companies for EV-to-OCF. This places UWM Holdings in the top 22% of its industry — outperforming the majority of peers. The industry median EV-to-OCF is 4.07. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 4.07, based on 1,492 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 4.07 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. UWM Holdings's current EV-to-OCF is -1.82. 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 $1.37, compared to a current price of $1.47 — trading 7.3% above its estimated fair value. The current EV-to-OCF is -1.82. 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 EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For UWM Holdings (UWMC), the current EV-to-OCF is -1.82 as of Sep. 06, 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 $1.47 is trading 7.3% above its estimated GF Value™ of $1.37.
GuruFocus considers UWM Holdings to be Fairly Valued.
Key valuation signals for UWMC:
EV-to-OCF: -1.82
GF Value™: $1.37 vs. price of $1.47 (7.3% above fair value)
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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