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UWM HoldingsUWMC +5.17%51 PB Ratio is 2.49 as of Jul. 27, 2026, which is 51% below its 10-year median of 5.09. GuruFocus rates UWMC with a GF Score™ of 51/100 and a GF Value™ of $3.07 (Possible Value Trap). The stock has 7 warning signs investors should review. Among 1,516 Banks companies, UWM Holdings ranks worse than 93.14% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-07-27), UWM Holdings's share price is $1.83. UWM Holdings's Book Value per Share for the quarter that ended in Mar. 2026 was $0.73. Hence, UWM Holdings's PB Ratio of today is 2.49.
Good Sign:
UWM Holdings Corp stock PB Ratio (=2.49) is close to 3-year low of 2.49.
The historical rank and industry rank for UWM Holdings's PB Ratio or its related term are showing as below:
UWMC'
s PB Ratio Range Over the Past 10 Years
Min: 0.33 Med: 5.09 Max: 9.31
Current: 2.49
During the past 7 years, UWM Holdings's highest PB Ratio was 9.31. The lowest was 0.33. And the median was 5.09.
UWMC's PB Ratio is ranked worse than 93.14% of 1516
companies
in the Banks industry
Industry Median: 1.12
vs UWMC: 2.49
During the past 12 months, UWM Holdings's average Book Value Per Share Growth Rate was -10.60% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was -21.80% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was -41.40% per year.
During the past 7 years, the highest 3-Year average Book Value Per Share Growth Rate of UWM Holdings was -13.00% per year. The lowest was -62.60% per year. And the median was -21.80% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
UWM Holdings PB Ratio Related Terms
UWM Holdings PB Ratio Historical Data
* Premium members only.
The historical data trend for UWM Holdings's PB 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.
For the Mortgage Finance subindustry, UWM Holdings's PB Ratio, along with its competitors' market caps and PB 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, UWM Holdings's PB Ratio distribution charts can be found below:
* The bar in red indicates where UWM Holdings's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
UWM Holdings's PB Ratio for today is calculated as follows:
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
UWM Holdings (UWMC) has a PB Ratio of 2.49 as of Jul. 27, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on UWM Holdings and its competitors. This is 51% below median its historical median of 5.09. Over the past decade, UWM Holdings' PB Ratio has ranged from 0.33 to 9.31. According to the industry distribution chart, UWM Holdings ranks #1412 out of 1516 companies in the Banks industry, placing it in the top 93.1%.
Is UWM Holdings' PB Ratio too high?
UWM Holdings' current PB Ratio of 2.49 is 51% below median its 10-year median of 5.09. Over the past 10 years, this metric has ranged from a low of 0.33 to a high of 9.31. The Banks industry median PB Ratio is 1.12. UWM Holdings' value of 2.49 is 122.3% above this industry median. Based on the distribution chart, UWM Holdings ranks #1412 out of 1516 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' PB Ratio compare to VEL and LDI?
According to the Banks industry distribution chart, UWM Holdings ranks #1412 out of 1516 companies for PB Ratio. This places UWM Holdings in the lower half of its industry. The industry median PB Ratio is 1.12. UWM Holdings' value of 2.49 is 122.3% above this benchmark. Historically, UWM Holdings' own PB Ratio has ranged from 0.33 to 9.31 over the past decade. While the company's 10-year median is 5.09 vs. the industry median of 1.12, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.12, based on 1,516 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. UWM Holdings's current PB Ratio of 2.49 is 122.3% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on UWM Holdings and its competitors. For the Banks industry, the median PB Ratio is 1.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. UWM Holdings's current PB Ratio is 2.49, which is 51% below median its own 10-year median of 5.09. 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 $3.07, compared to a current price of $1.83 — trading 40.4% below its estimated fair value. The current PB Ratio is 2.49, which is 51% below median its 10-year median of 5.09 and 122.3% above the Banks industry median of 1.12. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For UWM Holdings (UWMC), the current PB Ratio is 2.49 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 40.4% below its estimated GF Value™ of $3.07.
GuruFocus considers UWM Holdings to be Possible Value Trap.
Key valuation signals for UWMC:
PB Ratio: 2.49 (51% below median its 10-year median of 5.09)
GF Value™: $3.07 vs. price of $1.83 (40.4% below fair value)
Industry Position: 122.3% above the Banks median (#1412 of 1516)
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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