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Cash Flow Overview

Change in Cash
$380,719K
Free Cash flow
-$3,089,691K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Net borrowings under warehouse l...
    • Proceeds from issuance of senior...
    • Net proceeds from sale of mortga...
    • Others
Negative Cash Flow Breakdown
    • Mortgage loans at fair value
    • Repayments under secured lines o...
    • Capitalization of mortgage servi...
    • Others
Cash Flow
2025-09-30
2025-06-30
2025-03-31
2024-12-31
Net income
12,088
314,479
-247,028
40,613
Reserve for representations and warranties
5,582
9,800
10,376
3,252
Capitalization of mortgage servicing rights
829,978
901,271
735,571
950,993
Change in fair value of mortgage servicing rights
-307,825
-111,421
-388,585
309,149
Depreciation & amortization
14,139
13,531
12,631
12,162
Stock-based compensation expense
14,732
11,729
8,310
8,999
Increase in fair value of investment securities
1,628
403
1,721
-3,980
(decrease) increase in fair value of warrants liability
770
-1,309
-685
-8,494
Mortgage loans at fair value
2,744,151
-361,901
-1,114,326
-625,146
Derivative assets
32,090
15,398
-56,006
32,987
Other assets
-208,305
210,883
10,164
-122,713
Derivative liabilities
-35,473
48,764
-8,043
-57,634
Other liabilities
543
-8,237
6,876
-866
Net cash used in operating activities
-3,079,336
-265,876
593,898
-543,258
Purchases of premises and equipment
10,355
24,191
17,764
8,293
Net proceeds from sale of mortgage servicing rights
650,834
650,377
941,403
104,639
Proceeds from principal payments on investment securities
1,978
1,756
1,752
1,970
Margin calls on borrowings against investment securities
500
0
3,000
-3,500
Investment in private company equity securities
100,000
-
-
-
Net cash provided by investing activities
542,957
627,942
928,391
94,816
Net borrowings under warehouse lines of credit
2,529,138
-318,613
-1,124,604
-510,001
Repayments of finance lease liabilities
509
573
650
742
Repayments under equipment notes payable
-
-
-
0
Borrowings under secured lines of credit
550,000
700,000
225,000
1,175,000
Repayments under secured lines of credit
975,000
525,000
475,000
975,000
Borrowings against investment securities
87,142
86,896
88,775
90,645
Repayments of borrowings against investment securities
86,896
88,776
90,646
93,662
Proceeds from issuance of senior notes
1,000,000
-
-
800,000
Discount and direct issuance cost of senior notes
8,313
-
-
6,958
Dividends paid to class a common stockholders
20,598
18,775
15,794
11,315
Member distributions paid to sfs corp
157,862
192,242
151,347
148,503
Other financing activities
-4
-23
-338
-10
Net cash provided by financing activities
2,917,098
-357,106
-1,544,604
319,454
Increase in cash and cash equivalents
380,719
4,960
-22,315
-128,988
Cash and cash equivalents at beginning of period
485,024
485,024
507,339
605,639
Cash and cash equivalents at end of period
870,703
489,984
485,024
507,339
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

Show the time plot by selecting a row from the table.

Cash Flow

Net borrowingsunder warehouse lines...$2,529,138K (42.23%↑ Y/Y)Proceeds from issuance ofsenior notes$1,000,000K Net proceeds fromsale of mortgage...$650,834K (167.70%↑ Y/Y)Borrowings under securedlines of credit$550,000K (83.33%↑ Y/Y)Borrowings againstinvestment securities$87,142K (-6.96%↓ Y/Y)Proceeds from principalpayments on investment...$1,978K (-2.90%↓ Y/Y)Margin calls onborrowings against...$500K (-88.89%↓ Y/Y)Net cash provided byfinancing activities$2,917,098K (53.77%↑ Y/Y)Net cash provided byinvesting activities$542,957K (128.72%↑ Y/Y)Canceled cashflow$1,249,182K Canceled cashflow$110,355K Increase in cash and cashequivalents$380,719K (968.71%↑ Y/Y)Canceled cashflow$3,079,336K Repayments under securedlines of credit$975,000K Member distributionspaid to sfs corp$157,862K (-8.64%↓ Y/Y)Repayments of borrowingsagainst investment...$86,896K (-4.93%↓ Y/Y)Dividends paid to class acommon stockholders$20,598K (115.48%↑ Y/Y)Discount and directissuance cost of senior...$8,313K Repayments of finance leaseliabilities$509K (-46.42%↓ Y/Y)Other financingactivities-$4K Change in fair value ofmortgage servicing...-$307,825K (31.00%↑ Y/Y)Other assets-$208,305K (-246.15%↓ Y/Y)Stock-based compensationexpense$14,732K (155.41%↑ Y/Y)Depreciation & amortization$14,139K (12.04%↑ Y/Y)Net income$12,088K (-62.16%↓ Y/Y)Reserve forrepresentations and warranties$5,582K (-65.82%↓ Y/Y)(decrease) increase in fairvalue of warrants...$770K (-86.79%↓ Y/Y)Other liabilities$543K (-99.14%↓ Y/Y)Investment in privatecompany equity...$100,000K Purchases of premises andequipment$10,355K (-15.57%↓ Y/Y)Net cash used inoperating activities-$3,079,336K (-41.36%↓ Y/Y)Canceled cashflow$563,984K Mortgage loans at fairvalue$2,744,151K (44.01%↑ Y/Y)Capitalization of mortgageservicing rights$829,978K (8.93%↑ Y/Y)Derivative liabilities-$35,473K (-152.61%↓ Y/Y)Derivative assets$32,090K (167.08%↑ Y/Y)Increase in fair value ofinvestment securities$1,628K (-69.90%↓ Y/Y)

UWM Holdings Corp (UWMC-WT)

UWM Holdings Corp (UWMC-WT)