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Cash Flow Overview

Change in Cash
$74,411K
Free Cash flow
$334,575K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Borrowings under secured lines o...
    • Mortgage loans at fair value
    • Other assets
    • Others
Negative Cash Flow Breakdown
    • Net repayments under warehouse l...
    • Capitalization of mortgage servi...
    • Repayments under secured lines o...
    • Others
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income (loss)
-451,902
170,374
164,484
12,088
Reserve for representations and warranties
7,442
5,575
9,531
5,582
Capitalization of mortgage servicing rights
1,041,838
1,101,017
1,180,631
829,978
Change in fair value of mortgage servicing rights
-122,683
-10,335
-247,617
-307,825
Depreciation & amortization
14,218
15,624
15,205
14,139
Stock-based compensation expense
12,494
13,162
15,592
14,732
Decrease (increase) in fair value of investment securities
-558
-303
1,042
1,628
Decrease in fair value of warrants liability
0
0
-1,519
770
Mortgage loans at fair value
-1,372,025
1,058,372
-851,732
2,744,151
Derivative assets
-40,889
86,923
-53,879
32,090
Other assets
-682,958
702,816
-3,186
-208,305
Derivative liabilities
-304,250
311,242
-14,634
-35,473
Other liabilities
-111,240
192,634
-59,643
543
Net cash (used in) provided by operating activities
344,037
-2,229,879
103,757
-3,079,336
Purchases of premises and equipment, and capitalization of internal-use software
9,462
19,063
21,738
10,355
Net proceeds from sale of mortgage servicing rights
258,387
542,626
181,097
650,834
Proceeds from principal payments on investment securities
1,888
1,718
1,808
1,978
Margin calls on borrowings against investment securities
-1,000
-1,000
-900
500
Investment in private company equity securities
-
-
0
100,000
Net cash provided by investing activities
249,813
524,281
160,267
542,957
Net repayments under warehouse lines of credit
-1,300,224
987,807
-871,168
2,529,138
Repayments of finance lease liabilities
513
513
487
509
Repayments under equipment notes payable
-
-
0
-
Borrowings under secured lines of credit
1,600,000
2,050,000
1,575,000
550,000
Repayments under secured lines of credit
650,000
1,250,000
375,000
975,000
Borrowings against investment securities
83,660
86,724
87,497
87,142
Repayments of borrowings against investment securities
86,724
87,497
87,142
86,896
Proceeds from issuance of senior notes
-
-
0
1,000,000
Discount and direct issuance cost of senior notes
-
-
86
8,313
Repayments of senior notes
-
-
800,000
-
Dividends paid to class a common stockholders
33,025
26,842
23,429
20,598
Member distributions paid to sfs corp
128,748
133,148
136,548
157,862
Other financing activities
-3,865
-301
0
-4
Net cash provided by (used in) financing activities
-519,439
1,626,230
-631,363
2,917,098
Decrease in cash and cash equivalents
74,411
-79,368
-367,339
380,719
Cash and cash equivalents, beginning of the period
423,996
503,364
485,024
485,024
Cash and cash equivalents, end of the period
498,407
423,996
503,364
870,703
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

Mortgage loans at fairvalue-$1,372,025K (-279.12%↓ Y/Y)Net proceeds fromsale of mortgage...$258,387K (-60.27%↓ Y/Y)Other assets-$682,958K (-423.86%↓ Y/Y)Change in fair value ofmortgage servicing...-$122,683K (-10.11%↓ Y/Y)Derivative assets-$40,889K (-365.55%↓ Y/Y)Depreciation & amortization$14,218K (5.08%↑ Y/Y)Stock-based compensationexpense$12,494K (6.52%↑ Y/Y)Reserve forrepresentations and warranties$7,442K (-24.06%↓ Y/Y)Decrease (increase) infair value of...-$558K (-238.46%↓ Y/Y)Proceeds from principalpayments on investment...$1,888K (7.52%↑ Y/Y)Net cash (used in)provided by operating...$344,037K (229.40%↑ Y/Y)Net cash provided byinvesting activities$249,813K (-60.22%↓ Y/Y)Canceled cashflow$1,909,230K Canceled cashflow$10,462K Decrease in cash and cashequivalents$74,411K (1400.22%↑ Y/Y)Canceled cashflow$519,439K Capitalization of mortgageservicing rights$1,041,838K (15.60%↑ Y/Y)Net income (loss)-$451,902K (-243.70%↓ Y/Y)Derivative liabilities-$304,250K (-723.92%↓ Y/Y)Other liabilities-$111,240K (-1250.49%↓ Y/Y)Borrowings under securedlines of credit$1,600,000K (128.57%↑ Y/Y)Borrowings againstinvestment securities$83,660K (-3.72%↓ Y/Y)Purchases of premises andequipment, and...$9,462K (-60.89%↓ Y/Y)Margin calls onborrowings against...-$1,000K Net cash provided by(used in) financing...-$519,439K (-45.46%↓ Y/Y)Canceled cashflow$1,683,660K Net repaymentsunder warehouse lines...-$1,300,224K (-308.09%↓ Y/Y)Repayments under securedlines of credit$650,000K (23.81%↑ Y/Y)Member distributionspaid to sfs corp$128,748K (-33.03%↓ Y/Y)Repayments of borrowingsagainst investment...$86,724K (-2.31%↓ Y/Y)Dividends paid to class acommon stockholders$33,025K (75.90%↑ Y/Y)Other financingactivities-$3,865K (-16704.35%↓ Y/Y)Repayments of finance leaseliabilities$513K (-10.47%↓ Y/Y)
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UWM Holdings Corp (UWMC)

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UWM Holdings Corp (UWMC)