UWM Holdings Corp (UWMC) — Financial Flexibility Index

Latest as of March 2026: -0.13x

UWM Holdings Corp (UWMC) has a Financial Flexibility Index of -0.13x as of March 2026. Free cash flow of $-2.23 Billion (operating CF $-2.23 Billion minus capex $0.00) represents 0% of total liabilities ($17.67 Billion). Check how aggressively does UWM Holdings Corp reinvest cash to assess the company's total reinvestment commitment from operating cash flow.

Financial Flexibility Index

-0.13x
Free Cash Flow / Total Liabilities

Free Cash Flow

$-2.23 Billion
Operating CF − Capex

Total Liabilities

$17.67 Billion
USD

Capital Expenditures

$0.00
USD

UWM Holdings Corp Financial Flexibility Index (2017–2025)

Historical Financial Flexibility Index trend for UWM Holdings Corp across 9 annual periods. For the full cash flow conversion analysis, see cash flow conversion of UWM Holdings Corp.

Annual Financial Flexibility Index for UWM Holdings Corp (2017–2025)

Year-by-year free cash flow to debt coverage for UWM Holdings Corp. Explore UWM Holdings Corp debt service capacity to assess how comfortably operating cash covers total debt obligations.

Year Flexibility Index Free Cash Flow (USD) Operating CF Total Liabilities YoY Change
2025 -0.17x $-2.57 Billion $-2.65 Billion $15.34 Billion ▲ +63.2%
2024 -0.46x $-6.20 Billion $-6.24 Billion $13.62 Billion ▼ -2332.9%
2023 0.02x $191.68 Million $165.24 Million $9.40 Billion ▼ -97.4%
2022 0.80x $8.29 Billion $8.27 Billion $10.43 Billion ▲ +0.0%
2021 0.80x $8.29 Billion $8.27 Billion $10.43 Billion ▲ +173.3%
2020 -1.08x $-9.89 Billion $-9.96 Billion $9.12 Billion ▼ -5817.1%
2019 0.02x $113.70 Million $56.41 Million $5.99 Billion ▲ +106.0%
2018 -0.32x $-872.90 Million $-926.17 Million $2.76 Billion ▲ +18.8%
2017 -0.39x $-754.48 Million $-754.64 Million $1.94 Billion
Financial Flexibility Index = (Operating CF − Capex) / Total Liabilities = Free Cash Flow / Total Liabilities