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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 : 6/10

vs
industry
vs
history
Cash-to-Debt 2.78
NAS:UIHC's Cash-to-Debt is ranked higher than
54% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.10 vs. NAS:UIHC: 2.78 )
Ranked among companies with meaningful Cash-to-Debt only.
NAS:UIHC' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.65  Med: 2.61 Max: 6.86
Current: 2.78
0.65
6.86
Equity-to-Asset 0.24
NAS:UIHC's Equity-to-Asset is ranked lower than
60% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.27 vs. NAS:UIHC: 0.24 )
Ranked among companies with meaningful Equity-to-Asset only.
NAS:UIHC' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.19  Med: 0.24 Max: 0.35
Current: 0.24
0.19
0.35
Interest Coverage 9.55
NAS:UIHC's Interest Coverage is ranked lower than
69% of the 143 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 28.75 vs. NAS:UIHC: 9.55 )
Ranked among companies with meaningful Interest Coverage only.
NAS:UIHC' s Interest Coverage Range Over the Past 10 Years
Min: 1.99  Med: 24.07 Max: 156.91
Current: 9.55
1.99
156.91
Piotroski F-Score: 4
Beneish M-Score: -3.53
WACC vs ROIC
12.16%
3.83%
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 : 7/10

vs
industry
vs
history
Operating Margin % 1.42
NAS:UIHC's Operating Margin % is ranked lower than
83% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.91 vs. NAS:UIHC: 1.42 )
Ranked among companies with meaningful Operating Margin % only.
NAS:UIHC' s Operating Margin % Range Over the Past 10 Years
Min: -0.85  Med: 12.65 Max: 44.02
Current: 1.42
-0.85
44.02
Net Margin % 1.17
NAS:UIHC's Net Margin % is ranked lower than
85% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.94 vs. NAS:UIHC: 1.17 )
Ranked among companies with meaningful Net Margin % only.
NAS:UIHC' s Net Margin % Range Over the Past 10 Years
Min: -1.16  Med: 8.02 Max: 35.21
Current: 1.17
-1.16
35.21
ROE % 2.29
NAS:UIHC's ROE % is ranked lower than
83% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.32 vs. NAS:UIHC: 2.29 )
Ranked among companies with meaningful ROE % only.
NAS:UIHC' s ROE % Range Over the Past 10 Years
Min: -1.98  Med: 14.86 Max: 85.99
Current: 2.29
-1.98
85.99
ROA % 0.64
NAS:UIHC's ROA % is ranked lower than
80% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.17 vs. NAS:UIHC: 0.64 )
Ranked among companies with meaningful ROA % only.
NAS:UIHC' s ROA % Range Over the Past 10 Years
Min: -0.4  Med: 3.85 Max: 16.35
Current: 0.64
-0.4
16.35
3-Year Revenue Growth Rate 20.60
NAS:UIHC's 3-Year Revenue Growth Rate is ranked higher than
88% of the 118 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 5.70 vs. NAS:UIHC: 20.60 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
NAS:UIHC' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -7.5  Med: 13.7 Max: 20.6
Current: 20.6
-7.5
20.6
3-Year EBITDA Growth Rate -25.80
NAS:UIHC's 3-Year EBITDA Growth Rate is ranked lower than
91% of the 107 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -2.70 vs. NAS:UIHC: -25.80 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
NAS:UIHC' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -69  Med: 10.5 Max: 151
Current: -25.8
-69
151
3-Year EPS without NRI Growth Rate -40.90
NAS:UIHC's 3-Year EPS without NRI Growth Rate is ranked lower than
97% of the 99 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -1.00 vs. NAS:UIHC: -40.90 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
NAS:UIHC' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -40.9  Med: 12 Max: 38.6
Current: -40.9
-40.9
38.6
GuruFocus has detected 3 Warning Signs with United Insurance Holdings Corp $NAS:UIHC.
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» NAS:UIHC's 10-Y Financials

Financials (Next Earnings Date: 2017-05-20 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

UIHC Guru Trades in Q1 2016

Jim Simons 78,500 sh (New)
Chuck Royce 13,000 sh (unchged)
» More
Q2 2016

UIHC Guru Trades in Q2 2016

Chuck Royce 13,000 sh (unchged)
Jim Simons 51,000 sh (-35.03%)
» More
Q3 2016

UIHC Guru Trades in Q3 2016

Jim Simons 92,600 sh (+81.57%)
Chuck Royce 13,000 sh (unchged)
» More
Q4 2016

UIHC Guru Trades in Q4 2016

Chuck Royce 69,891 sh (+437.62%)
Jim Simons 15,300 sh (-83.48%)
» More
» Details

Insider Trades

Latest Guru Trades with UIHC

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

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Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty    NAICS: 524126    SIC: 6331
Compare:NAS:BWINB, NYSE:AXS » details
Traded in other countries:0UI.Germany,
United Insurance Holdings Corp along with its subsidiaries is engaged in the property and casualty insurance business in Florida, South Carolina, and Massachusetts, among others. The Company also offers reinsurance services.

United Insurance Holdings Corp. formerly known as FMG Acquisition Corp. was incorporated under the laws of the State of Delaware on May 22, 2007. On September 30, 2008, it completed a merger, dated August 15, 2008, as amended on September 23, 2008, whereby United Subsidiary Corp., a wholly-owned subsidiary of FMG Acquisition Corp, merged with and into United Insurance Holdings, L.C., a Florida company, with United Insurance Holdings remaining as the surviving entity. In connection with the Merger, FMG changed its name to United Insurance Holdings Corp. The Company operates as a holding company for United Property & Casualty Insurance Company and its insurance subsidiary was initially formed as a Florida C-Corporation in 1999 to capitalize on legislation designed to attract capital to the Florida homeowner insurance market. United Property & Casualty Insurance Company is primarily engaged in the homeowner's property and casualty insurance business in the United States. Its subsidiary United Insurance Management manages a general agency that provides personnel and management services for the combined entity. Its subsidiary Skyway Claims Services provides field inspection services for a portion of the Company's non-catastrophe claims. Its subsidiary UPC Re is a reinsurance subsidiary that provides fully collateralized risk transfer for a portion of the Company's reinsurance program. The Company currently writes in Florida, Massachusetts, New Jersey, North Carolina, Rhode Island, South Carolina, and Texas, and is licensed to write in Georgia and New Hampshire. It manages its risk of catastrophic loss primarily through sophisticated pricing algorithms, avoidance of policy concentration, and the use of a comprehensive catastrophe reinsurance program.

Ratios

vs
industry
vs
history
PE Ratio 59.01
UIHC's PE Ratio is ranked lower than
97% of the 157 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 15.45 vs. UIHC: 59.01 )
Ranked among companies with meaningful PE Ratio only.
UIHC' s PE Ratio Range Over the Past 10 Years
Min: 0.89  Med: 9.77 Max: 66.08
Current: 59.01
0.89
66.08
PE Ratio without NRI 59.01
UIHC's PE Ratio without NRI is ranked lower than
95% of the 136 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 16.00 vs. UIHC: 59.01 )
Ranked among companies with meaningful PE Ratio without NRI only.
UIHC' s PE Ratio without NRI Range Over the Past 10 Years
Min: 0.89  Med: 9.77 Max: 66.08
Current: 59.01
0.89
66.08
Price-to-Owner-Earnings 5.93
UIHC's Price-to-Owner-Earnings is ranked higher than
83% of the 83 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.35 vs. UIHC: 5.93 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
UIHC' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 1.25  Med: 3.47 Max: 8.78
Current: 5.93
1.25
8.78
PB Ratio 1.37
UIHC's PB Ratio is ranked higher than
52% of the 157 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.40 vs. UIHC: 1.37 )
Ranked among companies with meaningful PB Ratio only.
UIHC' s PB Ratio Range Over the Past 10 Years
Min: 0.46  Med: 1.32 Max: 3.63
Current: 1.37
0.46
3.63
PS Ratio 0.68
UIHC's PS Ratio is ranked higher than
74% of the 150 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.08 vs. UIHC: 0.68 )
Ranked among companies with meaningful PS Ratio only.
UIHC' s PS Ratio Range Over the Past 10 Years
Min: 0.28  Med: 0.71 Max: 1.98
Current: 0.68
0.28
1.98
Price-to-Free-Cash-Flow 5.26
UIHC's Price-to-Free-Cash-Flow is ranked higher than
85% of the 99 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.86 vs. UIHC: 5.26 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
UIHC' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 0.63  Med: 3.04 Max: 61.54
Current: 5.26
0.63
61.54
Price-to-Operating-Cash-Flow 5.01
UIHC's Price-to-Operating-Cash-Flow is ranked higher than
87% of the 113 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.83 vs. UIHC: 5.01 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
UIHC' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 0.61  Med: 2.9 Max: 41.24
Current: 5.01
0.61
41.24
EV-to-EBIT 30.52
UIHC's EV-to-EBIT is ranked lower than
93% of the 166 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.90 vs. UIHC: 30.52 )
Ranked among companies with meaningful EV-to-EBIT only.
UIHC' s EV-to-EBIT Range Over the Past 10 Years
Min: -61.9  Med: 4.3 Max: 35.6
Current: 30.52
-61.9
35.6
EV-to-EBITDA 12.13
UIHC's EV-to-EBITDA is ranked lower than
69% of the 166 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.30 vs. UIHC: 12.13 )
Ranked among companies with meaningful EV-to-EBITDA only.
UIHC' s EV-to-EBITDA Range Over the Past 10 Years
Min: -733.3  Med: 3.9 Max: 14.1
Current: 12.13
-733.3
14.1

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.55
UIHC's Dividend Yield % is ranked lower than
90% of the 189 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.57 vs. UIHC: 1.55 )
Ranked among companies with meaningful Dividend Yield % only.
UIHC' s Dividend Yield % Range Over the Past 10 Years
Min: 0.57  Med: 1.29 Max: 6.88
Current: 1.55
0.57
6.88
Dividend Payout Ratio 0.88
UIHC's Dividend Payout Ratio is ranked lower than
60% of the 141 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.35 vs. UIHC: 0.88 )
Ranked among companies with meaningful Dividend Payout Ratio only.
UIHC' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.07  Med: 0.1 Max: 0.89
Current: 0.88
0.07
0.89
3-Year Dividend Growth Rate 24.20
UIHC's 3-Year Dividend Growth Rate is ranked higher than
81% of the 80 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.80 vs. UIHC: 24.20 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
UIHC' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 24.2 Max: 47.4
Current: 24.2
0
47.4
Forward Dividend Yield % 1.53
UIHC's Forward Dividend Yield % is ranked lower than
92% of the 192 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.74 vs. UIHC: 1.53 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 7.11
UIHC's 5-Year Yield-on-Cost % is ranked higher than
68% of the 189 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 5.24 vs. UIHC: 7.11 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
UIHC' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.61  Med: 5.91 Max: 31.54
Current: 7.11
2.61
31.54
3-Year Average Share Buyback Ratio -10.10
UIHC's 3-Year Average Share Buyback Ratio is ranked lower than
88% of the 78 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.30 vs. UIHC: -10.10 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
UIHC' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -26.4  Med: -11.7 Max: 3.5
Current: -10.1
-26.4
3.5

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.46
UIHC's Price-to-Tangible-Book is ranked higher than
55% of the 146 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.67 vs. UIHC: 1.46 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
UIHC' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.66  Med: 1.25 Max: 2.25
Current: 1.46
0.66
2.25
Price-to-Intrinsic-Value-Projected-FCF 0.29
UIHC's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
92% of the 108 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.90 vs. UIHC: 0.29 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
UIHC' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.29  Med: 0.42 Max: 0.64
Current: 0.29
0.29
0.64
Price-to-Median-PS-Value 0.96
UIHC's Price-to-Median-PS-Value is ranked higher than
67% of the 147 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.05 vs. UIHC: 0.96 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
UIHC' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.42  Med: 0.68 Max: 2.18
Current: 0.96
0.42
2.18
Price-to-Graham-Number 1.96
UIHC's Price-to-Graham-Number is ranked lower than
90% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.08 vs. UIHC: 1.96 )
Ranked among companies with meaningful Price-to-Graham-Number only.
UIHC' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.16  Med: 0.61 Max: 2.03
Current: 1.96
0.16
2.03
Earnings Yield (Greenblatt) % 3.30
UIHC's Earnings Yield (Greenblatt) % is ranked lower than
85% of the 181 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.28 vs. UIHC: 3.30 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
UIHC' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 2.8  Med: 21.1 Max: 18218.8
Current: 3.3
2.8
18218.8
Forward Rate of Return (Yacktman) % 28.12
UIHC's Forward Rate of Return (Yacktman) % is ranked higher than
67% of the 72 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.01 vs. UIHC: 28.12 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
UIHC' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 0.3  Med: 11.45 Max: 61.1
Current: 28.12
0.3
61.1

More Statistics

Revenue (TTM) (Mil) $487.1
EPS (TTM) $ 0.26
Beta1.43
Short Percentage of Float8.80%
52-Week Range $9.52 - 19.73
Shares Outstanding (Mil)21.68
» More Articles for UIHC

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