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Also traded in: Germany

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash to Debt 0.45
UAM's Cash to Debt is ranked lower than
73% of the 26 Companies
in the Global Health Care Plans industry.

( Industry Median: 0.97 vs. UAM: 0.45 )
Ranked among companies with meaningful Cash to Debt only.
UAM' s Cash to Debt Range Over the Past 10 Years
Min: 0.4  Med: 1.93 Max: No Debt
Current: 0.45
Equity to Asset 0.17
UAM's Equity to Asset is ranked lower than
84% of the 25 Companies
in the Global Health Care Plans industry.

( Industry Median: 0.38 vs. UAM: 0.17 )
Ranked among companies with meaningful Equity to Asset only.
UAM' s Equity to Asset Range Over the Past 10 Years
Min: 0.17  Med: 0.34 Max: 0.44
Current: 0.17
0.17
0.44
Interest Coverage 6.67
UAM's Interest Coverage is ranked lower than
83% of the 24 Companies
in the Global Health Care Plans industry.

( Industry Median: 11.13 vs. UAM: 6.67 )
Ranked among companies with meaningful Interest Coverage only.
UAM' s Interest Coverage Range Over the Past 10 Years
Min: 2.07  Med: 7.56 Max: No Debt
Current: 6.67
F-Score: 3
M-Score: -3.09
WACC vs ROIC
13.35%
0.44%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 3/10

vs
industry
vs
history
Operating margin (%) 1.81
UAM's Operating margin (%) is ranked lower than
81% of the 26 Companies
in the Global Health Care Plans industry.

( Industry Median: 3.72 vs. UAM: 1.81 )
Ranked among companies with meaningful Operating margin (%) only.
UAM' s Operating margin (%) Range Over the Past 10 Years
Min: -0.77  Med: 1.02 Max: 4.32
Current: 1.81
-0.77
4.32
Net-margin (%) -9.61
UAM's Net-margin (%) is ranked lower than
88% of the 26 Companies
in the Global Health Care Plans industry.

( Industry Median: 1.76 vs. UAM: -9.61 )
Ranked among companies with meaningful Net-margin (%) only.
UAM' s Net-margin (%) Range Over the Past 10 Years
Min: -11.56  Med: -1.85 Max: 5.41
Current: -9.61
-11.56
5.41
ROE (%) -29.80
UAM's ROE (%) is ranked lower than
96% of the 25 Companies
in the Global Health Care Plans industry.

( Industry Median: 10.14 vs. UAM: -29.80 )
Ranked among companies with meaningful ROE (%) only.
UAM' s ROE (%) Range Over the Past 10 Years
Min: -32.9  Med: -3.95 Max: 12.82
Current: -29.8
-32.9
12.82
ROA (%) -7.52
UAM's ROA (%) is ranked lower than
88% of the 26 Companies
in the Global Health Care Plans industry.

( Industry Median: 3.46 vs. UAM: -7.52 )
Ranked among companies with meaningful ROA (%) only.
UAM' s ROA (%) Range Over the Past 10 Years
Min: -8.54  Med: -1.4 Max: 5.07
Current: -7.52
-8.54
5.07
Revenue Growth (3Y)(%) -10.40
UAM's Revenue Growth (3Y)(%) is ranked lower than
88% of the 24 Companies
in the Global Health Care Plans industry.

( Industry Median: 13.70 vs. UAM: -10.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
UAM' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -25.6  Med: -18.6 Max: -10.4
Current: -10.4
-25.6
-10.4
EBITDA Growth (3Y)(%) -43.10
UAM's EBITDA Growth (3Y)(%) is ranked lower than
90% of the 21 Companies
in the Global Health Care Plans industry.

( Industry Median: 12.50 vs. UAM: -43.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
UAM' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -58.1  Med: -42.15 Max: -26
Current: -43.1
-58.1
-26
» UAM's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-11-03)


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

Guru Trades

Q3 2015

UAM Guru Trades in Q3 2015

Diamond Hill Capital 4,180,307 sh (+4.66%)
Richard Perry 7,710,788 sh (unchged)
Jim Simons 237,300 sh (-16.91%)
» More
Q4 2015

UAM Guru Trades in Q4 2015

Diamond Hill Capital 4,461,353 sh (+6.72%)
Richard Perry 7,722,250 sh (+0.15%)
Jim Simons 178,400 sh (-24.82%)
» More
Q1 2016

UAM Guru Trades in Q1 2016

Diamond Hill Capital 5,092,490 sh (+14.15%)
Jim Simons 185,300 sh (+3.87%)
Richard Perry 7,722,250 sh (unchged)
» More
Q2 2016

UAM Guru Trades in Q2 2016

Diamond Hill Capital 5,202,422 sh (+2.16%)
Richard Perry Sold Out
Jim Simons 164,700 sh (-11.12%)
» More
» Details

Insider Trades

Latest Guru Trades with UAM

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Preferred stocks of Universal American Corp

SymbolPriceYieldDescription
UAMCP24.910.008 1/2 % Mand Red Pfd Shs Series -A-

Business Description

Industry: Health Care Plans » Health Care Plans
Compare:NAS:HIIQ, OTCPK:QULRY, NAS:CNXR, OTCPK:OPRX, OTCPK:WCUI, NAS:MGLN, OTCPK:ODPVY, NYSE:MOH, NYSE:WCG, NYSE:HNT, NYSE:ANTX, NYSE:CNC, NYSE:HUM, NYSE:CI, NYSE:AET, NAS:ESRX, NYSE:CVS, NYSE:UNH » details
Traded in other countries:UNN.Germany,
Universal American Corp through its subsidiaries provides health benefits to people covered by Medicare and/or Medicaid. Its businesses include Medicare Advantage, Medicare Accountable Care Organizations and Medicaid.

Universal American Corp was incorporated under the laws of the State of Delaware on December 22, 2011. The Company through its subsidiaries provides health benefits to people covered by Medicare and/or Medicaid. Its segments include Medicare Advantage, MSO, Medicaid, Traditional Insurance, and Corporate & Other. Its businesses include Medicare Advantage, Medicare Accountable Care Organizations and Medicaid. Through the Medicare Advantage, the Company serves the growing Medicare population by providing Medicare Advantage products to approximately 105,000 members as of January 1, 2015. Approximately 31% of the Medicare population in the United States is currently enrolled in Medicare Advantage plans; a type of Medicare health plan offered by private companies that contract with the federal government to provide enrollees with health insurance. Its current focus is to grow Medicare Advantage business in Texas (especially Houston/Beaumont), upstate New York (especially the Syracuse area) and Maine. In the Medicare Accountable Care Organizations business, the Company believes there is an opportunity to address the high cost of health care for the majority of the Medicare population enrolled in traditional fee-for-service Medicare and has joined with primary-care and multi-specialty provider groups to operate twenty-four Accountable Care Organizations, or ACOs, pursuant to the Medicare Shared Saving Program, known as the MSSP. In the Medicaid business, the Company provides services to Medicaid agencies and health plans through APS Healthcare and through Total Care Medicaid health plan serving approximately 40,000 members in upstate New York. It distributes Medicare Advantage products through multiple channels including career agency, independent agents, as well as through telephonic and Internet enrollment. compete with numerous other health insurance companies and managed care organizations on a national, regional and local market basis, including United Healthcare, Humana, Anthem, including various "Blues" plans, Aetna and Cigna as well as other health maintenance organizations, preferred provider organizations, and other health care-related companies which provide a variety of services in the Medicare, Medicaid and commercial markets both on a capitated and fee for service basis.

Ratios

vs
industry
vs
history
Forward P/E 37.88
UAM's Forward P/E is ranked lower than
100% of the 12 Companies
in the Global Health Care Plans industry.

( Industry Median: 16.26 vs. UAM: 37.88 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 120.17
UAM's PE(NRI) is ranked lower than
100% of the 23 Companies
in the Global Health Care Plans industry.

( Industry Median: 22.35 vs. UAM: 120.17 )
Ranked among companies with meaningful PE(NRI) only.
UAM' s PE(NRI) Range Over the Past 10 Years
Min: 11.03  Med: 14.1 Max: 134.84
Current: 120.17
11.03
134.84
P/B 1.60
UAM's P/B is ranked higher than
80% of the 25 Companies
in the Global Health Care Plans industry.

( Industry Median: 2.55 vs. UAM: 1.60 )
Ranked among companies with meaningful P/B only.
UAM' s P/B Range Over the Past 10 Years
Min: 0.7  Med: 1.09 Max: 1.89
Current: 1.6
0.7
1.89
P/S 0.42
UAM's P/S is ranked higher than
65% of the 26 Companies
in the Global Health Care Plans industry.

( Industry Median: 0.49 vs. UAM: 0.42 )
Ranked among companies with meaningful P/S only.
UAM' s P/S Range Over the Past 10 Years
Min: 0.29  Med: 0.44 Max: 0.66
Current: 0.42
0.29
0.66
EV-to-EBIT 17.63
UAM's EV-to-EBIT is ranked lower than
86% of the 21 Companies
in the Global Health Care Plans industry.

( Industry Median: 13.10 vs. UAM: 17.63 )
Ranked among companies with meaningful EV-to-EBIT only.
UAM' s EV-to-EBIT Range Over the Past 10 Years
Min: -554.3  Med: 8.05 Max: 115.7
Current: 17.63
-554.3
115.7
EV-to-EBITDA 15.24
UAM's EV-to-EBITDA is ranked lower than
86% of the 22 Companies
in the Global Health Care Plans industry.

( Industry Median: 9.33 vs. UAM: 15.24 )
Ranked among companies with meaningful EV-to-EBITDA only.
UAM' s EV-to-EBITDA Range Over the Past 10 Years
Min: -2994.1  Med: 12.9 Max: 90.5
Current: 15.24
-2994.1
90.5

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio 1.40
UAM's 3-Year Average Share Buyback Ratio is ranked higher than
57% of the 21 Companies
in the Global Health Care Plans industry.

( Industry Median: 0.20 vs. UAM: 1.40 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
UAM' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -4.1  Med: -1.85 Max: 1.4
Current: 1.4
-4.1
1.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.17
UAM's Price/Tangible Book is ranked higher than
87% of the 16 Companies
in the Global Health Care Plans industry.

( Industry Median: 4.65 vs. UAM: 2.17 )
Ranked among companies with meaningful Price/Tangible Book only.
UAM' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.94  Med: 1.27 Max: 2.28
Current: 2.17
0.94
2.28
Price/Median PS Value 0.96
UAM's Price/Median PS Value is ranked higher than
65% of the 26 Companies
in the Global Health Care Plans industry.

( Industry Median: 1.02 vs. UAM: 0.96 )
Ranked among companies with meaningful Price/Median PS Value only.
UAM' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.7  Med: 0.98 Max: 1.4
Current: 0.96
0.7
1.4
Price/Graham Number 3.35
UAM's Price/Graham Number is ranked lower than
77% of the 13 Companies
in the Global Health Care Plans industry.

( Industry Median: 2.45 vs. UAM: 3.35 )
Ranked among companies with meaningful Price/Graham Number only.
UAM' s Price/Graham Number Range Over the Past 10 Years
Min: 0.78  Med: 0.85 Max: 3.53
Current: 3.35
0.78
3.53
Earnings Yield (Greenblatt) (%) 5.70
UAM's Earnings Yield (Greenblatt) (%) is ranked lower than
69% of the 26 Companies
in the Global Health Care Plans industry.

( Industry Median: 6.90 vs. UAM: 5.70 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
UAM' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.9  Med: 4.3 Max: 14.4
Current: 5.7
0.9
14.4

More Statistics

Revenue (TTM) (Mil) $1,413
EPS (TTM) $ -1.66
Beta1.70
Short Percentage of Float4.17%
52-Week Range $5.55 - 8.55
Shares Outstanding (Mil)65.06

Analyst Estimate


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Dec16 Dec17
Revenue (Mil $) 1,616 1,714
EPS ($) 0.19 0.34
EPS w/o NRI ($) 0.19 0.34
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($)
» More Articles for UAM

Headlines

Articles On GuruFocus.com
Insiders' Week: Sales of Facebook, Walmart Jul 01 2016 
Add Humana for a Healthier Portfolio Oct 10 2014 
Weekly CEO Buys Highlight: KMI, PBFX, OPK, AOL, UAM May 17 2014 
5-year lows: Universal American Corp, Campus Crest Communities Inc, American Residential Properties Feb 23 2014 
Five-Year Lows: SandRidge Permain Trust, Universal American Corp, Silver Bay Realty Trust Corp, Reso Feb 03 2014 
Healthcare Plan Sector: Bumpy Ride for UAM Sep 22 2013 
Weekly 3-Year Low Highlight: NSH, UAM, RNWK, BTH Aug 12 2013 
Universal American Financial Corp. (UAM) CFO Robert A Waegelein sells 4,913 Shares Apr 16 2010 
Universal American Financial Corp. (UAM) CEO Richard A Barasch sells 10,057 Shares Apr 16 2010 
Universal American Financial Corp. (UAM) CEO of Subsidiary Theodore M Jr Carpenter sells 2,875 Share Apr 16 2010 

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