United Wholesale Mortgage - Public Comps and Valuation Multiples

United Wholesale Mortgage Overview

About United Wholesale Mortgage

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.

Founded

2019

HQ

Employees

9.1K+

Website

uwm.com

Sectors

Lending Solutions

Financials

LTM Revenue $2.4B

LTM EBITDA $460M

EV

$4.0B

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United Wholesale Mortgage Financials

As of September 2025, United Wholesale Mortgage reported last 12-month revenue of $2.4B and EBITDA of $460M.

In the same period, United Wholesale Mortgage achieved $299M in LTM net income.

See United Wholesale Mortgage valuation multiples based on analyst estimates

United Wholesale Mortgage P&L

In the most recent fiscal year, United Wholesale Mortgage reported revenue of $1.4B.

United Wholesale Mortgage expects next 12-month revenue of XXX and NTM EBITDA of XXX

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	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Revenue	$2.4B	XXX	$1.4B	XXX	XXX	XXX
Gross Profit	n/a	XXX	n/a	XXX	XXX	XXX
Gross Margin	n/a	XXX	n/a	XXX	XXX	XXX
EBITDA	$460M	XXX	n/a	XXX	XXX	XXX
EBITDA Margin	19%	XXX	n/a	XXX	XXX	XXX
EBIT	$915M	XXX	n/a	XXX	XXX	XXX
EBIT Margin	39%	XXX	n/a	XXX	XXX	XXX
Net Profit	$299M	XXX	$14.4M	XXX	XXX	XXX
Net Margin	13%	XXX	1%	XXX	XXX	XXX
Net Debt	XXX	XXX	$2.9B	XXX	XXX	XXX

Financial data powered by Morningstar, Inc.

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Financial performance metrics for United Wholesale Mortgage including revenue, profitability, and margin analysis across different time periods. The company reported last twelve months revenue of $2.4B. EBITDA for the last twelve months was $460M.
Financial Metric	Last Twelve Months (LTM)	Next Twelve Months (NTM)	Most Recent Fiscal Year	Current Fiscal Year (2025)	Next Fiscal Year (2026)	Two Years Forward (2027)
Total Revenue	$2.4B	Analyst estimates available to subscribers	$1.4B	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Gross Profit	n/a	Analyst estimates available to subscribers	n/a	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Gross Profit Margin	n/a	Analyst estimates available to subscribers	NaN% gross profit margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBITDA (Earnings Before Interest, Taxes, Depreciation, Amortization)	$460M	Analyst estimates available to subscribers	n/a	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBITDA Margin	19.4% EBITDA margin	Analyst estimates available to subscribers	NaN% EBITDA margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBIT (Earnings Before Interest and Taxes)	$915M	Analyst estimates available to subscribers	n/a	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBIT Margin	38.6% EBIT margin	Analyst estimates available to subscribers	n/a	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Income (Net Profit)	$299M	Analyst estimates available to subscribers	$14.4M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Profit Margin	12.6% net profit margin	Analyst estimates available to subscribers	1.0% net profit margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Debt Position	Detailed debt information available to subscribers	Detailed debt information available to subscribers	$2.9B	Detailed debt information available to subscribers	Detailed debt information available to subscribers	Detailed debt information available to subscribers

Financial Performance Summary for United Wholesale Mortgage

This financial data table provides comprehensive performance metrics for United Wholesale Mortgage, a company based in United States of America. The metrics include revenue, profitability measures, and operational efficiency indicators across multiple time periods.

Recent Performance Highlights

United Wholesale Mortgage generated $2.4B in revenue over the last twelve months.
The company achieved $460M in EBITDA over the last twelve months.
Net income over the last twelve months reached $299M.

Fiscal Year Performance

In the most recent fiscal year, United Wholesale Mortgage reported $1.4B in total revenue.
The company maintained a gross profit margin of NaN% in the most recent fiscal year.
EBITDA margin for the fiscal year was NaN%.
Net profit margin reached 1.0% in the most recent fiscal year.

This financial data is sourced from Morningstar, Inc. and represents the most recent available information for United Wholesale Mortgage. Forward-looking estimates and detailed financial projections are available through our premium subscription service.

United Wholesale Mortgage Stock Performance

United Wholesale Mortgage has current market cap of $1.2B, and EV of $4.0B.

Market Cap Evolution

United Wholesale Mortgage Stock Data

As of October 17, 2025, United Wholesale Mortgage's stock price is $5.

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EV	Market Cap	Price 1D	Price 1M	Price 3M	Price 12M	EPS
$4.0B	$1.2B	XXX	XXX	XXX	XXX	$0.19

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United Wholesale Mortgage Valuation Multiples

United Wholesale Mortgage's trades at 2.9x EV/Revenue multiple, and n/a EV/EBITDA.

See valuation multiples for United Wholesale Mortgage and 15K+ public comps

United Wholesale Mortgage Financial Valuation Multiples

As of October 17, 2025, United Wholesale Mortgage has market cap of $1.2B and EV of $4.0B.

Equity research analysts estimate United Wholesale Mortgage's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX

United Wholesale Mortgage has a P/E ratio of 3.9x.

	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Market cap (current)	$1.2B	XXX	$1.2B	XXX	XXX	XXX
EV (current)	$4.0B	XXX	$4.0B	XXX	XXX	XXX
EV/Revenue	1.7x	XXX	2.9x	XXX	XXX	XXX
EV/EBITDA	8.8x	XXX	n/a	XXX	XXX	XXX
EV/EBIT	4.4x	XXX	n/a	XXX	XXX	XXX
EV/Gross Profit	n/a	XXX	n/a	XXX	XXX	XXX
P/E	3.9x	XXX	82.0x	XXX	XXX	XXX
EV/FCF	n/a	XXX	-0.6x	XXX	XXX	XXX

Valuation data powered by FactSet, Inc. and Morningstar, Inc.

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United Wholesale Mortgage Margins & Growth Rates

United Wholesale Mortgage's last 12 month revenue growth is 23%

United Wholesale Mortgage's revenue per employee in the last FY averaged $0.2M, while opex per employee averaged n/a for the same period.

United Wholesale Mortgage's rule of 40 is unknown (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).

United Wholesale Mortgage's rule of X is 77% (created by Bessemer, rule of X is another metric relevant for SaaS companies only, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).

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United Wholesale Mortgage Operational Valuation Multiples

	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Revenue Growth	23%	XXX	47%	XXX	XXX	XXX
EBITDA Margin	19%	XXX	n/a	XXX	XXX	XXX
EBITDA Growth	n/a	XXX	n/a	XXX	XXX	XXX
Rule of 40	n/a	XXX	n/a	XXX	XXX	XXX
Bessemer Rule of X	XXX	XXX	77%	XXX	XXX	XXX
Revenue per Employee	XXX	XXX	$0.2M	XXX	XXX	XXX
Opex per Employee	XXX	XXX	n/a	XXX	XXX	XXX
S&M Expenses to Revenue	XXX	XXX	7%	XXX	XXX	XXX
G&A Expenses to Revenue	XXX	XXX	n/a	XXX	XXX	XXX
R&D Expenses to Revenue	XXX	XXX	n/a	XXX	XXX	XXX
Opex to Revenue	XXX	XXX	n/a	XXX	XXX	XXX

Valuation data powered by FactSet, Inc. and Morningstar, Inc.

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