UWM Holdings (UWMC) Balance Sheet: Assets & Liabilities

UWM Holdings (UWMC) Balance Sheet

As of Dec 31, 2025 (end of fiscal 2025), UWM Holdings reported total assets of $16.93B and total liabilities of $15.34B. Shareholders' equity was $1.59B, down 22.4% from $2.05B a year earlier. Total debt stood at $4.18B against $510.14M in cash and short-term investments, a net debt position of $3.67B. That puts debt-to-equity at 2.62, compared with 4.01 a year earlier.

UWM Holdings Balance Sheet Analysis

Values in billions USD

Income Statement Balance Sheet Cash Flow Ratios

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Balance sheet showing assets, liabilities, and shareholders' equity for UWM Holdings Corporation (UWMC) - Annual data in billions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Current Assets
Cash and Cash Equivalents	0.48	0.49	0.50	0.70	0.73	1.22	0.13	0.04	0.07
Cash & Short-Term Investments	0.51	0.50	0.50	0.71	0.76	1.22	0.13	0.04	0.07
Accounts Receivable	0.53	10.38	0.51	7.69	0.42	0.25	0.02	0.00	0.00
Inventory	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Other Current Assets	0.00	0.00	0.18	0.16	0.05	0.06	5.61	2.61	1.89
Total Current Assets	12.13	11.18	1.19	8.65	18.69	1.53	5.77	2.65	1.96
Non-Current Assets
Property, Plant & Equipment (Net)	0.30	0.26	0.27	0.30	0.31	0.22	0.14	0.05	0.00
Long-Term Investments	10.07	9.72	5.59	7.33	17.13	7.98	0.00	0.00	0.00
Intangible Assets	4.07	3.97	4.03	4.45	3.31	1.76	0.73	0.37	0.21
Other Non-Current Assets	0.32	0.25	0.79	0.20	0.21	0.00	0.01	0.01	0.01
Total Non-Current Assets	14.77	14.75	10.69	12.35	21.33	9.96	0.89	0.43	0.22
Total Assets	16.93	15.67	11.87	13.60	22.53	11.49	6.65	3.08	2.17
Current Liabilities
Accounts Payable	0.71	0.58	0.17	0.44	0.52	0.85	0.25	0.19	0.12
Short-Term Debt	1.20	5.45	6.51	0.63	0.01	7.26	0.14	2.11	0.00
Current Portion of Long-Term Debt	-	5.45	0.00	0.63	0.01	0.90	-	-	-
Accrued Liabilities	0.16	0.16	0.16	0.16	0.01	-	-	-	-
Other Current Liabilities	0.00	0.47	0.09	0.38	0.12	0.00	0.06	0.06	0.04
Total Current Liabilities	3.21	6.20	6.77	1.21	0.56	8.11	0.45	2.36	0.16
Non-Current Liabilities
Long-Term Debt	2.98	2.79	2.22	1.98	2.10	0.94	5.54	0.40	1.78
Deferred Tax Liabilities	0.20	0.00	0.05	0.04	0.00	0.00	0.00	0.00	0.00
Other Non-Current Liabilities	0.90	0.39	0.36	0.38	0.01	0.07	0.00	0.00	0.00
Total Non-Current Liabilities	12.12	3.48	2.63	2.67	2.32	1.01	5.54	0.40	1.78
Total Liabilities	15.34	13.62	9.40	10.43	19.36	9.12	5.99	2.76	1.94
Stockholders' Equity
Common Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Retained Earnings	0.19	0.16	0.11	0.14	0.14	2.35	0.64	0.29	0.21
Additional Paid-in Capital	0.01	0.00	0.00	0.00	0.00	0.02	0.02	0.02	0.02
Minority Interest	1.39	1.89	2.36	3.03	3.03	0.00	0.00	0.00	0.00
Shares Outstanding	0.27	0.16	0.09	0.09	0.09	-	-	-	-
Total Stockholders' Equity	1.59	2.05	0.11	3.17	0.14	2.37	0.66	0.32	0.23
Total Liabilities & Equity	16.93	15.67	11.87	13.60	22.53	11.49	6.65	3.08	2.17

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About UWM Holdings Balance Sheet

How much debt does UWM Holdings have?

UWM Holdings had total debt of $4.18B as of Dec 31, 2025, against $510.14M in cash and short-term investments. Its debt-to-equity ratio was 2.62. Total debt was $8.23B a year earlier.

What are UWM Holdings's total assets?

UWM Holdings reported total assets of $16.93B as of Dec 31, 2025, up 8.0% from $15.67B a year earlier. Total liabilities were $15.34B.

What is UWM Holdings's shareholders' equity?

UWM Holdings's shareholders' equity was $1.59B as of Dec 31, 2025, or about $5.94 of book value per share.

What is the debt-to-equity ratio?

The debt-to-equity ratio divides a company's total debt by its shareholders' equity. It shows how much of the business is financed with borrowed money; normal levels vary widely by industry. Full definition