Uwm Holdings Corporation · NYSE:UWMC
Uwm — Q3 2026 Earnings Presentation
8 slides from Uwm's earnings presentation, Oct 23, 2026
Slide 1: Investor Presentation October 2026
INVESTOR PRESENTATION October 2026
Slide 2: Disclaimer
DISCLAIMER The financial and operational information in this presentation is selected, preliminary, estimated unaudited financial information for the three months ended September 30, 2026. These estimates have been prepared by, and are the responsibility of, management and have not been reviewed by
Slide 3: Preliminary Third Quarter Estimates and Updated Financial Disclosure
Source: Company filings; management estimates. Note: 3Q26 figures are preliminary estimates, remain subject to change and will be finalized with the 3Q26 earnings release; earnings-related figures shown as ranges. 1. Adjusted EBITDA is a non-GAAP measure; see Appendix for reconciliation to the most
Slide 4: Update on Rights Offering Mechanics
Source: Rights offering prospectus supplement; executed term sheet; company filings. 1. Subscription price equals the greater of $2.00 and 85% of the 10-day VWAP ending three trading days before expiration. 2. Junior perpetual non-convertible preferred similar to the Series A-2, but subordinated to
Slide 5: Appendix
APPENDIX 5
Slide 6: Consolidated Balance Sheet
Consolidated Balance Sheet ($ in millions) 2Q26 As adjusted1 Assets Cash and cash equivalents $498 $500 Mortgage loans at fair value 9,619 $9,619 Accounts receivable, net 532 532 Mortgage servicing rights 5,311 5,311 Loans eligible for repurchase from Ginnie Mae 1,142 1,142 Other assets 838 838 Tota
Slide 7: Consolidated Statement of Operations
Consolidated Statement of Operations ($ in thousands) 2Q26 Loan production income $527,217 Loan servicing income 220,503 Interest income 140,283 Total revenue $888,003 Change in fair value of mortgage servicing rights (122,683) Gain (loss) on other interest rate derivatives (603,191) Other gains (lo
Slide 8: Adjusted EBITDA
Adjusted EBITDA 1. Reflects the change ((increase)/decrease) in fair value of MSRs due to changes in valuation inputs or assumptions. 2. Reflects management incentive bonuses under our long-term incentive plan that are accrued when earned, net of cash payments. 3. Reflects the change (increase/(decr