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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 : 6/10

vs
industry
vs
history
Cash to Debt 0.67
UAM's Cash to Debt is ranked higher than
76% of the 33 Companies
in the Global Health Care Plans industry.

( Industry Median: 0.53 vs. UAM: 0.67 )
UAM' s 10-Year Cash to Debt Range
Min: 0.45   Max: No Debt
Current: 0.67

Equity to Asset 0.32
UAM's Equity to Asset is ranked higher than
61% of the 33 Companies
in the Global Health Care Plans industry.

( Industry Median: 0.39 vs. UAM: 0.32 )
UAM' s 10-Year Equity to Asset Range
Min: 0.32   Max: 0.41
Current: 0.32

0.32
0.41
F-Score: 2
Z-Score: 0.99
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 : 5/10

vs
industry
vs
history
Operating margin (%) -7.87
UAM's Operating margin (%) is ranked lower than
53% of the 32 Companies
in the Global Health Care Plans industry.

( Industry Median: 4.65 vs. UAM: -7.87 )
UAM' s 10-Year Operating margin (%) Range
Min: -7.87   Max: 4.32
Current: -7.87

-7.87
4.32
Net-margin (%) -8.92
UAM's Net-margin (%) is ranked lower than
53% of the 32 Companies
in the Global Health Care Plans industry.

( Industry Median: 2.89 vs. UAM: -8.92 )
UAM' s 10-Year Net-margin (%) Range
Min: -8.92   Max: 5.36
Current: -8.92

-8.92
5.36
ROE (%) -28.93
UAM's ROE (%) is ranked lower than
53% of the 32 Companies
in the Global Health Care Plans industry.

( Industry Median: 10.83 vs. UAM: -28.93 )
UAM' s 10-Year ROE (%) Range
Min: -28.93   Max: 12.49
Current: -28.93

-28.93
12.49
ROA (%) -9.15
UAM's ROA (%) is ranked lower than
53% of the 32 Companies
in the Global Health Care Plans industry.

( Industry Median: 3.84 vs. UAM: -9.15 )
UAM' s 10-Year ROA (%) Range
Min: -9.15   Max: 5.13
Current: -9.15

-9.15
5.13
» UAM's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2013

UAM Guru Trades in Q1 2013

Jim Simons 28,611 sh (New)
Paul Tudor Jones 13,600 sh (New)
Steven Cohen 178,926 sh (+14.2%)
Richard Perry 7,698,432 sh (unchged)
» More
Q2 2013

UAM Guru Trades in Q2 2013

Diamond Hill Capital 253,570 sh (New)
Jim Simons 70,817 sh (+147.52%)
Richard Perry 7,702,936 sh (+0.06%)
Paul Tudor Jones Sold Out
Steven Cohen 11,926 sh (-93.33%)
» More
Q3 2013

UAM Guru Trades in Q3 2013

Diamond Hill Capital 1,646,839 sh (+549.46%)
Richard Perry 7,702,936 sh (unchged)
Jim Simons Sold Out
Steven Cohen Sold Out
» More
Q4 2013

UAM Guru Trades in Q4 2013

Diamond Hill Capital 2,230,960 sh (+35.47%)
Richard Perry 7,702,936 sh (unchged)
» More
» Details

Insider Trades

Latest Guru Trades with UAM

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Jean-Marie Eveillard 2012-09-30 Sold Out 0.0029%$8.79 - $10.64 $ 7.23-25%0
Mario Gabelli 2012-06-30 Sold Out $9.18 - $10.9 $ 7.23-28%0
Jean-Marie Eveillard 2012-03-31 New Buy$10.03 - $13.54 $ 7.23-32%70950
Richard Perry 2011-06-30 Add 12.87%0.28%$8.82 - $23.34 $ 7.23-48%7694185
Mario Gabelli 2011-06-30 Reduce -58.33%$8.82 - $23.34 $ 7.23-48%10000
George Soros 2011-03-31 Sold Out $19.88 - $22.86 $ 7.23-65%0
Mario Gabelli 2011-03-31 Add 60%$19.88 - $22.86 $ 7.23-65%24000
Premium More recent guru trades are included for Premium Members only!!
» Interactive Charts

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Top Ranked Articles about Universal American Corp

Five-Year Lows: SandRidge Permain Trust, Universal American Corp, Silver Bay Realty Trust Corp, Resolute Energy Corp
According to GuruFocus list of five-year lows, these Guru stocks have reached their five-year lows: SandRidge Permain Trust, Universal American Corp., Silver Bay Realty Trust Corp. and Resolute Energy Corp. Read more...
Healthcare Plan Sector: Bumpy Ride for UAM
With the controversial Obamacare mandate on everyone’s mind, here’s an in-depth look at Universal American Corp. (UAM), the only company in the healthcare plan sector on a 52-week low. Twelve companies are in the sector, with a low ratio of 0.08. Read more...
Weekly 3-Year Low Highlight: NSH, UAM, RNWK, BTH
According to GuruFocus list of 3-year lows, these Guru stocks have reached their three-year lows. Read more...

Ratios

vs
industry
vs
history
P/B 0.97
UAM's P/B is ranked higher than
90% of the 30 Companies
in the Global Health Care Plans industry.

( Industry Median: 1.75 vs. UAM: 0.97 )
UAM' s 10-Year P/B Range
Min: 0.7   Max: 1.05
Current: 0.97

0.7
1.05
P/S 0.29
UAM's P/S is ranked higher than
82% of the 33 Companies
in the Global Health Care Plans industry.

( Industry Median: 0.42 vs. UAM: 0.29 )
UAM' s 10-Year P/S Range
Min: 0.27   Max: 0.43
Current: 0.29

0.27
0.43
EV-to-EBIT -4.30
UAM's EV-to-EBIT is ranked higher than
77% of the 31 Companies
in the Global Health Care Plans industry.

( Industry Median: 9.96 vs. UAM: -4.30 )
UAM' s 10-Year EV-to-EBIT Range
Min: 9.3   Max: 10.5
Current: -4.3

9.3
10.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.13
UAM's Price/Tangible Book is ranked higher than
84% of the 19 Companies
in the Global Health Care Plans industry.

( Industry Median: 2.70 vs. UAM: 1.13 )
UAM' s 10-Year Price/Tangible Book Range
Min: 1.14   Max: 1.14
Current: 1.13

Price/Median PS Value 0.95
UAM's Price/Median PS Value is ranked higher than
75% of the 32 Companies
in the Global Health Care Plans industry.

( Industry Median: 0.96 vs. UAM: 0.95 )
UAM' s 10-Year Price/Median PS Value Range
Min: 0.96   Max: 0.96
Current: 0.95

Earnings Yield (Greenblatt) 10.50
UAM's Earnings Yield (Greenblatt) is ranked higher than
79% of the 33 Companies
in the Global Health Care Plans industry.

( Industry Median: 10.00 vs. UAM: 10.50 )
UAM' s 10-Year Earnings Yield (Greenblatt) Range
Min: 9.5   Max: 10.8
Current: 10.5

9.5
10.8

Business Description

Industry: Health Care Plans » Health Care Plans
Compare:CVH, HS, AGP, WCG, UNH, WLP, AET » details
Universal American Corp., was incorporated under the laws of the State of Delaware on December 22, 2010. The company, through its health insurance and managed care subsidiaries, primarily serve the growing Medicare population by providing Medicare Advantage and Medicare supplement insurance products. Approximately 25% of the over 65 year old population in the United States is currently enrolled in Medicare Advantage plans and its current focus is to grow its Medicare Advantage business, particularly in its Texas, Oklahoma and Northeast markets. In addition, the company assumes that there is an opportunity to address the high cost of health care for the remaining 75% of the Medicare population enrolled in traditional fee-for-service Medicare and has joined with primary-care provider groups in several applications to participate in the Medicare Shared Savings Program through Accountable Care Organizations, or ACO's. Its operating segments includes: (i) Senior Managed Care—Medicare Advantage segment reflects its Medicare Advantage HMO, PPO and PFFS businesses. (ii) Traditional Insurance segment reflects its insurance products not offered through government programs, which includes Medicare supplement, other senior health insurance, specialty health insurance and life insurance. (iii) Corporate & Other segment reflects the activities of its holding company. The company competes with numerous other health insurance companies on a national, regional and local market basis, including United Healthcare, Humana and Cigna. Each of its insurance company subsidiaries and its HMO subsidiaries is also subject to the regulations of and supervision by the insurance department of each of the jurisdictions in which they are admitted and authorized to transact business.

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