Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|
| Revenue | $1.28B | $4.94B | $2.97B | $2.37B | $2.17B | $2.67B | $3.16B |
| Revenue growth | — | 286.3% | -39.9% | -20.1% | -8.7% | 23.5% | 18.2% |
| Operating income | — | -$6.83M | — | — | — | — | — |
| Operating margin | — | -0.1% | — | — | — | — | — |
| Net income | $415M | -$5.81M | $98.4M | $41.7M | -$13.2M | $14.4M | $27.4M |
| Net margin | 32.5% | -0.1% | 3.3% | 1.8% | -0.6% | 0.5% | 0.9% |
| EPS (diluted) | — | -$0.12 | $0.66 | $0.45 | -$0.14 | $0.13 | $0.12 |
| Fiscal year | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|
| Operating cash flow | -$3.50B | $56.4M | -$9.96B | $8.27B | $165M | -$6.24B | -$2.65B |
| Capital expenditures | $16.8M | $57.3M | $65.4M | $26.6M | $26.4M | $39.5M | $74.0M |
| Free cash flow | -$3.51B | -$876K | -$10.0B | $8.24B | $139M | -$6.28B | -$2.72B |
| Share buybacks | $0.00 | $0.00 | $81.6M | $0.00 | $0.00 | — | — |
| Dividends paid | $0.00 | $0.00 | $30.6M | $36.9M | $37.2M | $39.7M | $78.6M |
| Fiscal year | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|
| Cash & equivalents | $1.12K | $1.22B | $731M | $705M | $497M | $507M | $503M |
| Total assets | $412K | $11.5B | $22.5B | $13.6B | $11.9B | $15.7B | $16.9B |
| Total liabilities | $426K | $9.12B | $19.4B | $10.4B | $9.40B | $13.6B | $15.3B |
| Long-term debt | — | $800M | $2.00B | $2.00B | $1.99B | $2.79B | $2.98B |
| Shareholders' equity | $661M | $2.37B | $3.17B | $3.17B | $2.47B | $2.05B | $1.59B |
| Retained earnings | -$39.0K | $2.35B | $142M | $143M | $111M | $158M | $189M |
| Shares (wtd avg diluted) | — | — | 1.60B | 92.5M | 93.2M | 111M | 1.60B |
Every figure is extracted from UWM Holdings Corp’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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