UWM Holdings vs Western Alliance
UWM Holdings and Western Alliance Bancorporation are presented for comparison on this page. This page compares business models, financial performance, and market context to help readers understand how each organisation positions itself within the financial services sector. The content is written to be clear and neutral, focused on factual information. Educational content, not financial advice.
UWM Holdings and Western Alliance Bancorporation are presented for comparison on this page. This page compares business models, financial performance, and market context to help readers understand how...
Investment Analysis
UWM Holdings
UWMC
Pros
- UWM Holdings generated robust revenue of approximately $1.42 billion with a strong pre-tax profit margin of 41%.
- The company's net income from operations reached $314.48 million, demonstrating its operational profit capacity.
- Total loan origination volume was high at $41.7 billion in the third quarter of 2025, supporting revenue growth.
Considerations
- UWM Holdings has a high debt-to-equity ratio of 19.42, indicating significant leverage and higher financial risk.
- The company reported a negative EBIT margin of -13.1%, highlighting operational profitability challenges.
- Operating cash flow was negative at -$265.876 million, suggesting liquidity management difficulties.
Pros
- Western Alliance operates in multiple states with a diversified banking product portfolio including commercial and consumer loans.
- The bank offers a wide range of services, including treasury management, treasury products, and digital payment solutions, enhancing customer retention.
- Founded in 1994, Western Alliance has a long operational history and regional presence in Nevada, Arizona, and California.
Considerations
- Western Alliance’s stock price experienced a significant drop of over 10% in October 2025, indicating recent market volatility.
- Regional concentration in Western US markets may expose the company to geographic-specific economic and regulatory risks.
- The overall banking industry still faces cyclicality and credit risks, which could affect Western Alliance’s loan portfolio performance.
Which Baskets Do They Appear In?
No baskets available in this category
Which Baskets Do They Appear In?
No baskets available in this category
Buy UWMC or WAL in Nemo
Zero Commission
Trade stocks, ETFs, and more with zero commission. Keep more of your returns.
Trusted & Regulated
Part of Exinity Group 2015, serving over a million customers globally.
6% Interest on Cash
Earn 6% AER on uninvested cash with daily interest payments.
Discover More Comparisons
UWM Holdings vs Primerica
UWM Holdings vs Primerica
UWM Holdings vs SouthState
UWM Holdings vs SouthState
UWM Holdings vs Grupo Financiero Galicia
UWM Holdings vs Grupo Financiero Galicia