UWMC (UWM Holdings) Moat Score: 4/10 (As of Jul. 27, 2026)

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UWMC UWM Holdings Corp UWMC
51 GF Score
Price $1.83
GF Value $3.06
Valuation Possible Value Trap
! 7 Warning Signs
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What is UWM Holdings Moat Score?

UWM Holdings UWMC +5.17% 51 Moat Score is 4 as of Jul. 27, 2026. GuruFocus rates UWMC with a GF Score™ of 51/100 and a GF Value™ of $3.06 (Possible Value Trap). The stock has 7 warning signs investors should review. Among 1,610 Banks companies, UWM Holdings ranks better than 86.27% on this metric.

UWM Holdings has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

UWM Holdings has Narrow Moat: UWM Holdings has a discernible but modest moat due to its market leadership in wholesale mortgage lending. It benefits from economies of scale and a strong distribution network, but lacks significant customer switching costs and brand strength to elevate it beyond a narrow moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes UWM Holdings might have Narrow Moat - Discernible but modest moat.

UWM Holdings  (NYSE:UWMC) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

UWM Holdings Moat Score Related Terms

UWMC vs VEL, LDI, BETR: Moat Score Comparison

For the Mortgage Finance subindustry, UWM Holdings's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, UWM Holdings's Moat Score distribution charts can be found below:

* The bar in red indicates where UWM Holdings's Moat Score falls into.


UWMC
51GF Score
UWM Holdings Corp UWMC
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
UWM Holdings (UWMC) has a Moat Score of 4 as of Jul. 27, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, UWM Holdings ranks #221 out of 1610 companies in the Banks industry, placing it in the top 13.7%.
Is UWM Holdings' Moat Score too high?
UWM Holdings' current Moat Score is 4. Based on the distribution chart, UWM Holdings ranks #221 out of 1610 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 51/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does UWM Holdings' Moat Score compare to VEL and LDI?
According to the Banks industry distribution chart, UWM Holdings ranks #221 out of 1610 companies for Moat Score. This places UWM Holdings in the top 14% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. UWM Holdings's current Moat Score is 4. 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 Possible Value Trap. The stock's GF Value™ is $3.06, compared to a current price of $1.83 — trading 40.2% below its estimated fair value. The current Moat Score is 4. UWM Holdings' overall GF Score™ is 51/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For UWM Holdings (UWMC), the current Moat Score is 4 as of Jul. 27, 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 undervalued. The current stock price of $1.83 is trading 40.2% below its estimated GF Value™ of $3.06. GuruFocus considers UWM Holdings to be Possible Value Trap.

Key valuation signals for UWMC:

  • Moat Score: 4
  • GF Value™: $3.06 vs. price of $1.83 (40.2% below fair value)
  • GF Score™: 51/100 with 7 warning signs

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 Business Description

Address 585 South Boulevard East, Pontiac, MI, USA, 48341
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.
51GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$1.83
Price
$3.06
GF Value