UWMC
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UWM Holdings Corporation (UWMC) closed at $1.82 as of 2026-07-31, trading 60.1% below its 200-week moving average of $4.56. This places UWMC in the extreme value zone. The stock is currently moving closer to the line, down from -59.9% last week. With a 14-week RSI of 4, UWMC is in oversold territory.
Trading volume is running at 0.9x of its 14-week average, which is in the normal range. The balance between buying and selling volume (0.94 ratio) is neutral — neither side is clearly dominating.
Over the past 278 weeks of data, UWMC has crossed below its 200-week moving average 5 times. On average, these episodes lasted 36 weeks. Historically, investors who bought UWMC at the start of these episodes saw an average one-year return of +4.8%.
With a market cap of $2.9 billion, UWMC is a mid-cap stock. Free cash flow yield is currently negative, meaning the company is burning cash. Return on equity stands at 40.9%, indicating strong profitability. The stock trades at 2.5x book value.
Share count has increased 189.9% over three years, indicating dilution.
Over the past 5.3 years, a hypothetical investment of $100 in UWMC would have grown to $34, compared to $192 for the S&P 500. UWMC has returned -18.3% annualized vs 13.0% for the index, underperforming the broader market over this period.
Free cash flow has been declining at a -100% compound annual rate. A deteriorating cash flow trend warrants extra scrutiny — the stock may be cheap for a reason.
Business Health
Annual financials — how the underlying business has performed over the past several years.
Cash Flow Free cash flow & net income ($M)
Revenue Annual revenue ($M) — business growth proxy
Total Debt Balance sheet debt ($M)
ROIC Return on invested capital (%)
FCF Yield Free cash flow / market cap (%) — Yartseva signal
Gross Margin Pricing power & competitive moat (%)
Shares Outstanding Buybacks vs dilution (millions)
Growth of $100: UWMC vs S&P 500
Monthly data normalized to $100 at start. Vertical dashed lines mark 200-week MA touches.
What Happens After UWMC Crosses Below the Line?
Each line shows $100 invested at the moment UWMC crossed below its 200-week MA. Bold blue = stock average. Gray dashed = S&P 500 average over same periods.
Dislocation Scores Experimental
Each score measures deviation from UWMC's own historical baseline — the same idea as the Bean Score, applied to different fundamentals. Positive means cheaper or more dislocated than this stock's norm. Scores marked σ are normalized by the stock's own variability; pp values are simple deltas from its recent baseline.
Theoretical framework — not backtested. These scores describe how unusual today's readings are for this specific company. They are starting points for research, not buy or sell signals. Annual-statement scores (buyback, accruals, FCF vs history) rest on only ~4 yearly data points and are deltas, not sigmas.
Historical Touches
UWMC has crossed below its 200-week MA 5 times with an average 1-year return of +4.8% after recovery.
| Crossed Below | Recovered | Weeks | Max Depth | 1-Year Return | Return Since Touch |
|---|---|---|---|---|---|
| Apr 2021 | Jul 2023 | 118 | 56.3% | -43.3% | -64.0% |
| Aug 2023 | Nov 2023 | 15 | 15.5% | +65.5% | -60.1% |
| Apr 2025 | Aug 2025 | 18 | 19.5% | -7.7% | -52.4% |
| Dec 2025 | Jan 2026 | 2 | 8.1% | N/A | -57.4% |
| Feb 2026 | Ongoing | 26+ | 60.1% | Ongoing | -58.8% |
| Average | 36 | — | +4.8% | — |
Frequently Asked Questions
Is UWMC below its 200-week moving average?
Yes. As of 2026-07-31, UWM Holdings Corporation (UWMC) is trading 60.1% below its 200-week moving average of $4.56. The current price is $1.82.
What is UWMC's 200-week moving average price?
UWM Holdings Corporation's 200-week moving average is $4.56 as of 2026-07-31. This is the average weekly closing price over roughly the last 4 years, and it acts as a long-term trend line. When a stock drops below this level, it can signal that the price has fallen far enough from the long-term trend to attract value-oriented investors.
What happens when UWMC drops below its 200-week moving average?
UWMC has crossed below its 200-week moving average 5 times in our data. On average, buying at that moment produced a one-year return of +4.8%. These dips have historically been decent entry points. These episodes lasted 36 weeks on average.
Is UWMC a good value right now?
Here's what our data says about UWMC as of 2026-07-31: The stock is below its 200-week moving average, which is the starting point for our analysis. The 14-week RSI is 4 (oversold). Free cash flow is currently negative. Return on equity is 40.9%. Price-to-book is 2.5x. This is not a buy or sell recommendation — always do your own research.
How does UWMC compare to the S&P 500?
Over the past 5.3 years, $100 invested in UWMC would have grown to $34, compared to $192 for the S&P 500. That's -18.3% annualized vs 13.0% for the index. UWMC has underperformed the broader market over this period.
Does UWMC pay a dividend?
Yes. UWM Holdings Corporation currently pays a dividend yield of 2151.00%.
Not financial advice. This is an educational tool. Past performance does not guarantee future results. Do your own research before making investment decisions.
Data as of week of 2026-07-31