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UWM Holdings Faces Insider Sales – What’s Next?

Jack KelloggAvatar
Written by Jack Kellogg
Updated 12/17/2025, 2:32 pm ET | 5 min

In this article Last trade Jan, 09 4:51 PM

  • UWMC+14.01%
    UWMC - NYSEUWM Holdings Corporation Class A
    $5.37+0.66 (+14.01%)
    Volume:  53.74M
    Float:  199.99M
    $4.93Day Low/High$5.47

UWM Holdings Corporation stocks have been trading down by -5.47 percent amid market uncertainties.

Candlestick Chart

Live Update At 14:32:26 EST: On Wednesday, December 17, 2025 UWM Holdings Corporation stock [NYSE: UWMC] is trending down by -5.47%! Discover the key drivers behind this movement as well as our expert analysis in the detailed breakdown below.

Quick Look at Financials and Performance

As millionaire penny stock trader and teacher Tim Sykes, says, “It’s not about how much money you make; it’s about how much money you keep.” In the world of trading, this truth holds immense significance. Traders often focus solely on the potential profits, but the key to long-term success lies in how well one manages their gains. Effective money management, strategic planning, and disciplined trading are essential to ensure that profits are preserved and risk is minimized over time.

In recent times, UWM Holdings Corporation, operating in the mortgage sector, has been under the spotlight, primarily due to the series of substantial insider transactions. This raises questions about the company’s future direction.

Divulging into their recent earnings and financial disclosures, there are highlights and concerns. The firm reports a decline in various metrics. The revenue, although substantial, faces a slight downturn with $1.41B yet a minimal negative growth of -5.37% over the five-year mark. Such figures, intriguing as they are, tell a bigger story about the industry’s pressure on mortgage lending in the face of macroeconomic challenges.

Further scrutiny of profitability ratios reveals mixed signals. The reported EBT (Earnings Before Tax) margin sits at a negative 14.7%, while EBIT (Earnings Before Interest and Tax) turns in at just 3.38% – both suggestive of ongoing operational challenges. Additionally, profit margin struggles are evident too, hovering at a bleak -6.09%.

Meanwhile, on the balance sheet, the total liabilities cast a shadow over the company’s financial freedom, standing tall at $15.4B. Despite this, the firm’s equity boasts a value of around $1.58B, perhaps reflecting a glimmer of opportunity for reinvestment and future growth.

The Influence of Insider Activity

The timing and scale of insider trades raise interesting hypotheses. When insiders trade, it often mirrors their perception of the company’s prospects. These sales could either mean a mere repositioning of liquid assets by the insiders, or, more cautiously, it could hint at underlying concerns. Encouragingly, this isn’t a new tale in the capital market. Many shareholders might remember the days when they contemplated similar scenarios with bated breath, pondering whether to follow suit or stay the course. Interestingly, the stock has seen a continued decline in its trading prices – a reflection perhaps of these simmering concerns within.

This brings us to intraday trading analyses showing ebbs and flows around the $5 mark, with minor deviations creating ripples but not causing waves big enough to drown hopes. The patterns resemble a gentle dance, slowly veering down, hinting at the softness in confidence yet skirting close to stability.

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Conclusion

In conclusion, the insider dealings surrounding UWM Holdings Corporation highlight intriguing signals of market speculation. These activities undoubtedly play a significant part in shaping trader sentiment, especially with the current decline in the company’s trading prices. As millionaire penny stock trader and teacher Tim Sykes says, “It’s not about how much money you make; it’s about how much money you keep.” Whether these strategic insider sales remain bullish or cautionary tales is unclear, with astute traders keeping their ears to the ground for the whispers of market winds. For now, stakeholders are watching geopolitical and economic factors, all the while staying aligned with their strategies. As the saga unfolds, interest remains piqued – the intrigue set to continue amidst a puzzle of caution and prospects.

This is stock news, not investment advice. Timothy Sykes News delivers real-time stock market news focused on key catalysts driving short-term price movements. Our content is tailored for active traders and investors seeking to capitalize on rapid price fluctuations, particularly in volatile sectors like penny stocks. Readers come to us for detailed coverage on earnings reports, mergers, FDA approvals, new contracts, and unusual trading volumes that can trigger significant short-term price action. Some users utilize our news to explain sudden stock movements, while others rely on it for diligent research into potential investment opportunities.

Dive deeper into the world of trading with Timothy Sykes, renowned for his expertise in penny stocks. Explore his top picks and discover the strategies that have propelled him to success with these articles:

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Jack Kellogg

He teaches webinars on Tim Sykes’ Trading Challenge He became Tim’s youngest millionaire student in 2020. Now he’s second on the Trading Challenge leaderboard with $12.9 million in career earnings. He’s a master of the 7-Step Pennystocking Framework. Jack is one of a rare breed of traders to profitably trade the entire penny stock framework.
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In this article (YTD Performance)


* Results are not typical and will vary from person to person. Making money trading stocks takes time, dedication, and hard work. There are inherent risks involved with investing in the stock market, including the loss of your investment. Past performance in the market is not indicative of future results. Any investment is at your own risk. See Terms of Service here

The available research on day trading suggests that most active traders lose money. Fees and overtrading are major contributors to these losses.

A 2000 study called “Trading is Hazardous to Your Wealth: The Common Stock Investment Performance of Individual Investors” evaluated 66,465 U.S. households that held stocks from 1991 to 1996. The households that traded most averaged an 11.4% annual return during a period where the overall market gained 17.9%. These lower returns were attributed to overconfidence.

A 2014 paper (revised 2019) titled “Learning Fast or Slow?” analyzed the complete transaction history of the Taiwan Stock Exchange between 1992 and 2006. It looked at the ongoing performance of day traders in this sample, and found that 97% of day traders can expect to lose money from trading, and more than 90% of all day trading volume can be traced to investors who predictably lose money. Additionally, it tied the behavior of gamblers and drivers who get more speeding tickets to overtrading, and cited studies showing that legalized gambling has an inverse effect on trading volume.

A 2019 research study (revised 2020) called “Day Trading for a Living?” observed 19,646 Brazilian futures contract traders who started day trading from 2013 to 2015, and recorded two years of their trading activity. The study authors found that 97% of traders with more than 300 days actively trading lost money, and only 1.1% earned more than the Brazilian minimum wage ($16 USD per day). They hypothesized that the greater returns shown in previous studies did not differentiate between frequent day traders and those who traded rarely, and that more frequent trading activity decreases the chance of profitability.

These studies show the wide variance of the available data on day trading profitability. One thing that seems clear from the research is that most day traders lose money .

Millionaire Media 66 W Flagler St. Ste. 900 Miami, FL 33130 United States (888) 878-3621 This is for information purposes only as Millionaire Media LLC nor Timothy Sykes is registered as a securities broker-dealer or an investment adviser. No information herein is intended as securities brokerage, investment, tax, accounting or legal advice, as an offer or solicitation of an offer to sell or buy, or as an endorsement, recommendation or sponsorship of any company, security or fund. Millionaire Media LLC and Timothy Sykes cannot and does not assess, verify or guarantee the adequacy, accuracy or completeness of any information, the suitability or profitability of any particular investment, or the potential value of any investment or informational source. The reader bears responsibility for his/her own investment research and decisions, should seek the advice of a qualified securities professional before making any investment, and investigate and fully understand any and all risks before investing. Millionaire Media LLC and Timothy Sykes in no way warrants the solvency, financial condition, or investment advisability of any of the securities mentioned in communications or websites. In addition, Millionaire Media LLC and Timothy Sykes accepts no liability whatsoever for any direct or consequential loss arising from any use of this information. This information is not intended to be used as the sole basis of any investment decision, nor should it be construed as advice designed to meet the investment needs of any particular investor. Past performance is not necessarily indicative of future returns.

Citations for Disclaimer

Barber, Brad M. and Odean, Terrance, Trading is Hazardous to Your Wealth: The Common Stock Investment Performance of Individual Investors. Available at SSRN: “Day Trading for a Living?”

Barber, Brad M. and Lee, Yi-Tsung and Liu, Yu-Jane and Odean, Terrance and Zhang, Ke, Learning Fast or Slow? (May 28, 2019). Forthcoming: Review of Asset Pricing Studies, Available at SSRN: “https://ssrn.com/abstract=2535636”

Chague, Fernando and De-Losso, Rodrigo and Giovannetti, Bruno, Day Trading for a Living? (June 11, 2020). Available at SSRN: “https://ssrn.com/abstract=3423101”

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