UWMC-WT: the cashflow

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For the quarter ending 2025-09-30.

Cash Flow Overview

No enough data to generate the overview

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Cash Flow	2025-09-30	2025-06-30	2025-03-31	2024-09-30
Net income	79,539	67,451	-247,028	288,762
Reserve for representations and warranties	25,758	20,176	10,376	40,185
Capitalization of mortgage servicing rights	2,466,820	1,636,842	735,571	1,980,550
Change in fair value of mortgage servicing rights	-807,831	-500,006	-388,585	-604,148
Depreciation & amortization	40,301	26,162	12,631	36,615
Stock-based compensation expense	34,771	20,039	8,310	15,581
Increase in fair value of investment securities	3,752	2,124	1,721	4,530
(decrease) increase in fair value of warrants liability	-1,224	-1,994	-685	3,405
Mortgage loans at fair value	1,267,924	-1,476,227	-1,114,326	4,691,799
Derivative assets	-8,518	-40,608	-56,006	33,958
Other assets	12,742	221,047	10,164	65,650
Derivative liabilities	5,248	40,721	-8,043	52,818
Other liabilities	-818	-1,361	6,876	36,736
Net cash used in operating activities	-2,751,314	328,022	593,898	-5,698,237
Purchases of premises and equipment	52,310	41,955	17,764	31,162
Net proceeds from sale of mortgage servicing rights	2,242,614	1,591,780	941,403	2,607,316
Proceeds from principal payments on investment securities	5,486	3,508	1,752	5,917
Margin calls on borrowings against investment securities	3,500	3,000	3,000	-795
Investment in private company equity securities	100,000	-	-	-
Net cash provided by investing activities	2,099,290	1,556,333	928,391	2,581,276
Net borrowings under warehouse lines of credit	1,085,921	-1,443,217	-1,124,604	4,305,656
Repayments of finance lease liabilities	1,732	1,223	650	4,842
Repayments under equipment notes payable	-	-	-	0
Borrowings under secured lines of credit	1,475,000	925,000	225,000	500,000
Repayments under secured lines of credit	1,975,000	1,000,000	475,000	950,000
Borrowings against investment securities	262,813	175,671	88,775	279,132
Repayments of borrowings against investment securities	266,318	179,422	90,646	279,284
Proceeds from issuance of senior notes	1,000,000	-	-	-
Discount and direct issuance cost of senior notes	8,313	-	-	-
Dividends paid to class a common stockholders	55,167	34,569	15,794	28,419
Member distributions paid to sfs corp	501,451	343,589	151,347	565,524
Other financing activities	-365	-361	-338	-899
Net cash provided by financing activities	1,015,388	-1,901,710	-1,544,604	3,255,820
Increase in cash and cash equivalents	363,364	-17,355	-22,315	138,859
Cash and cash equivalents at beginning of period	507,339	507,339	507,339	497,468
Cash and cash equivalents at end of period	870,703	489,984	485,024	636,327

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Time Plot

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UWMC-WT: the cashflow