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UWM HoldingsUWMC +5.17%51 Dividend Payout Ratio is 1.19 as of Mar. 2026, which is 30% below its 10-year median of 1.69. 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 1,175 Banks companies, UWM Holdings ranks worse than 98.72% on this metric.
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. UWM Holdings's Dividend Payout Ratio for the
months ended in Mar. 2026 was 1.19.
Warning Sign:
If a company's dividend payout ratio is too high, its dividend may not be sustainable. The dividend payout ratio of UWM Holdings Corp is 1.52, which seems too high.
The historical rank and industry rank for UWM Holdings's Dividend Payout Ratio or its related term are showing as below:
UWMC'
s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.3 Med: 1.69 Max: 3.25
Current: 1.52
During the past 7 years, the highest Dividend Payout Ratio of UWM Holdings was 3.25. The lowest was 0.30. And the median was 1.69.
UWMC's Dividend Payout Ratio is ranked worse than 98.72% of 1175
companies
in the Banks industry
Industry Median: 0.32
vs UWMC: 1.52
During the past 7 years, the highest 3-Year average Dividends Per Share Growth Rate of UWM Holdings was 26.00% per year. The lowest was 0.00% per year. And the median was 13.00% per year.
The growth rate is calculated with least square regression.
For more information regarding to dividend, please check our Dividend Page.
* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.
UWM Holdings (NYSE:UWMC) Dividend Payout Ratio Explanation
In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.
UWM Holdings Dividend Payout Ratio Related Terms
UWM Holdings Dividend Payout Ratio Historical Data
* Premium members only.
The historical data trend for UWM Holdings's Dividend Payout Ratio 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.
UWMC vs VEL, LDI, BETR: Dividend Payout Ratio Comparison
For the Mortgage Finance subindustry, UWM Holdings's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout Ratio 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 Dividend Payout Ratio vs Banks Industry
For the Banks industry and Financial Services sector, UWM Holdings's Dividend Payout Ratio distribution charts can be found below:
* The bar in red indicates where UWM Holdings's Dividend Payout Ratio falls into.
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.
UWM Holdings's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Dividend Payout Ratio of 1.19 as of Mar. 2026. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on UWM Holdings and its competitors. This is 30% below median its historical median of 1.69. Over the past decade, UWM Holdings' Dividend Payout Ratio has ranged from 0.30 to 3.25. According to the industry distribution chart, UWM Holdings ranks #1160 out of 1175 companies in the Banks industry, placing it in the top 98.7%.
Is UWM Holdings' Dividend Payout Ratio too high?
UWM Holdings' current Dividend Payout Ratio of 1.19 is 30% below median its 10-year median of 1.69. Over the past 10 years, this metric has ranged from a low of 0.30 to a high of 3.25. The Banks industry median Dividend Payout Ratio is 0.32. UWM Holdings' value of 1.19 is 271.9% above this industry median. Based on the distribution chart, UWM Holdings ranks #1160 out of 1175 companies in the Banks industry, which is in the bottom quartile 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' Dividend Payout Ratio compare to VEL and LDI?
According to the Banks industry distribution chart, UWM Holdings ranks #1160 out of 1175 companies for Dividend Payout Ratio. This places UWM Holdings in the lower half of its industry. The industry median Dividend Payout Ratio is 0.32. UWM Holdings' value of 1.19 is 271.9% above this benchmark. Historically, UWM Holdings' own Dividend Payout Ratio has ranged from 0.30 to 3.25 over the past decade. While the company's 10-year median is 1.69 vs. the industry median of 0.32, 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 Dividend Payout Ratio for a Banks company?
The median Dividend Payout Ratio among Banks companies is 0.32, based on 1,175 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. UWM Holdings's current Dividend Payout Ratio of 1.19 is 271.9% 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 Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on UWM Holdings and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. UWM Holdings's current Dividend Payout Ratio is 1.19, which is 30% below median its own 10-year median of 1.69. 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 Dividend Payout Ratio is 1.19, which is 30% below median its 10-year median of 1.69 and 271.9% above the Banks industry median of 0.32. 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 Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For UWM Holdings (UWMC), the current Dividend Payout Ratio is 1.19 as of Mar. 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:
Dividend Payout Ratio: 1.19 (30% below median its 10-year median of 1.69)
GF Value™: $3.06 vs. price of $1.83 (40.2% below fair value)
Industry Position: 271.9% above the Banks median (#1160 of 1175)
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.
51GF Score
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