Profitability
Weight: 25%
F
22
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 0.2%
- Operating Margin Trend -2.13 pp/yr
UWMC
UWM Holdings Corporation
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
⚠ Negative tangible book value combined with negative free cash flow — balance sheet is impaired and operating cash generation cannot rebuild it.
Grade overrides the 30.0 pillar composite — hard gates always win.
Capital Efficiency
Weight: 20%
A+
95
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 16.9%
- 5yr Share-Count CAGR -39.7%
Growth Quality
Weight: 10%
C+
61
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 112.7%
- 5yr EPS CAGR -34.7%
- Positive-EPS Years (5) 4/5
Cash Generation
Weight: 5%
F
0
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI -108.24x
Balance Sheet
Weight: 30%
F
10
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 1.2%
- Interest Coverage (EBIT/Int) 1.47x
Stability
Weight: 10%
F
23
- EPS Volatility (σ/μ) 2.25
- Piotroski F-Score 4
- Negative-Revenue Years (5) 3/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.2 of 2 gurus held; 1 trimmed.
- Holders
- 2
- Avg Δ position
- -40.4%
- New buys
- 0
- Full exits
- 0
- Wood decreased -81%