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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 : 7/10

vs
industry
vs
history
Cash to Debt 5.20
UIHC's Cash to Debt is ranked higher than
54% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.21 vs. UIHC: 5.20 )
Ranked among companies with meaningful Cash to Debt only.
UIHC' s 10-Year Cash to Debt Range
Min: 0.47  Med: 2.44 Max: No Debt
Current: 5.2
Equity to Asset 0.36
UIHC's Equity to Asset is ranked higher than
72% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.27 vs. UIHC: 0.36 )
Ranked among companies with meaningful Equity to Asset only.
UIHC' s 10-Year Equity to Asset Range
Min: 0.12  Med: 0.21 Max: 0.66
Current: 0.36
0.12
0.66
Interest Coverage 156.91
UIHC's Interest Coverage is ranked higher than
57% of the 112 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 36.81 vs. UIHC: 156.91 )
Ranked among companies with meaningful Interest Coverage only.
UIHC' s 10-Year Interest Coverage Range
Min: 1.99  Med: 24.07 Max: 156.91
Current: 156.91
1.99
156.91
F-Score: 4
WACC vs ROIC
9.95%
21.53%
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 (%) 15.88
UIHC's Operating margin (%) is ranked higher than
67% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.19 vs. UIHC: 15.88 )
Ranked among companies with meaningful Operating margin (%) only.
UIHC' s 10-Year Operating margin (%) Range
Min: -0.85  Med: 15.13 Max: 44.02
Current: 15.88
-0.85
44.02
Net-margin (%) 10.11
UIHC's Net-margin (%) is ranked higher than
54% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.39 vs. UIHC: 10.11 )
Ranked among companies with meaningful Net-margin (%) only.
UIHC' s 10-Year Net-margin (%) Range
Min: -1.16  Med: 9.09 Max: 35.21
Current: 10.11
-1.16
35.21
ROE (%) 15.35
UIHC's ROE (%) is ranked higher than
74% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.91 vs. UIHC: 15.35 )
Ranked among companies with meaningful ROE (%) only.
UIHC' s 10-Year ROE (%) Range
Min: -1.98  Med: 16.13 Max: 75.08
Current: 15.35
-1.98
75.08
ROA (%) 5.10
UIHC's ROA (%) is ranked higher than
84% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.87 vs. UIHC: 5.10 )
Ranked among companies with meaningful ROA (%) only.
UIHC' s 10-Year ROA (%) Range
Min: -0.4  Med: 3.56 Max: 14.09
Current: 5.1
-0.4
14.09
ROC (Joel Greenblatt) (%) 1302.23
UIHC's ROC (Joel Greenblatt) (%) is ranked higher than
83% of the 103 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 252.27 vs. UIHC: 1302.23 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
UIHC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 1242.95  Med: 4680.08 Max: 30213.61
Current: 1302.23
1242.95
30213.61
Revenue Growth (3Y)(%) 14.80
UIHC's Revenue Growth (3Y)(%) is ranked higher than
83% of the 111 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.40 vs. UIHC: 14.80 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
UIHC' s 10-Year Revenue Growth (3Y)(%) Range
Min: -7.5  Med: 13.80 Max: 19.4
Current: 14.8
-7.5
19.4
EBITDA Growth (3Y)(%) 32.10
UIHC's EBITDA Growth (3Y)(%) is ranked higher than
66% of the 85 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 17.30 vs. UIHC: 32.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
UIHC' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -68.9  Med: 15.80 Max: 150.5
Current: 32.1
-68.9
150.5
EPS Growth (3Y)(%) 38.60
UIHC's EPS Growth (3Y)(%) is ranked higher than
72% of the 76 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 16.40 vs. UIHC: 38.60 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
UIHC' s 10-Year EPS Growth (3Y)(%) Range
Min: -37  Med: 33.80 Max: 38.6
Current: 38.6
-37
38.6
» UIHC's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2014

UIHC Guru Trades in Q2 2014

Jim Simons 195,600 sh (+362.41%)
Paul Tudor Jones Sold Out
Chuck Royce 183,000 sh (-10.73%)
» More
Q3 2014

UIHC Guru Trades in Q3 2014

Chuck Royce 171,000 sh (-6.56%)
Jim Simons 84,200 sh (-56.95%)
» More
Q4 2014

UIHC Guru Trades in Q4 2014

Chuck Royce 141,600 sh (-17.19%)
Jim Simons 44,709 sh (-46.90%)
» More
Q1 2015

UIHC Guru Trades in Q1 2015

Chuck Royce 120,100 sh (-15.18%)
Jim Simons 20,500 sh (-54.15%)
» 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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Ratios

vs
industry
vs
history
P/E(ttm) 11.00
UIHC's P/E(ttm) is ranked higher than
61% of the 111 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.30 vs. UIHC: 11.00 )
Ranked among companies with meaningful P/E(ttm) only.
UIHC' s 10-Year P/E(ttm) Range
Min: 0.89  Med: 8.54 Max: 16.43
Current: 11
0.89
16.43
PE(NRI) 11.20
UIHC's PE(NRI) is ranked higher than
61% of the 110 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.30 vs. UIHC: 11.20 )
Ranked among companies with meaningful PE(NRI) only.
UIHC' s 10-Year PE(NRI) Range
Min: 0.89  Med: 8.56 Max: 16.49
Current: 11.2
0.89
16.49
P/B 1.54
UIHC's P/B is ranked lower than
71% of the 123 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.26 vs. UIHC: 1.54 )
Ranked among companies with meaningful P/B only.
UIHC' s 10-Year P/B Range
Min: 0.46  Med: 1.07 Max: 3.64
Current: 1.54
0.46
3.64
P/S 1.10
UIHC's P/S is ranked higher than
50% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.13 vs. UIHC: 1.10 )
Ranked among companies with meaningful P/S only.
UIHC' s 10-Year P/S Range
Min: 0.28  Med: 0.53 Max: 2
Current: 1.1
0.28
2
PFCF 5.22
UIHC's PFCF is ranked higher than
84% of the 86 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.05 vs. UIHC: 5.22 )
Ranked among companies with meaningful PFCF only.
UIHC' s 10-Year PFCF Range
Min: 0.63  Med: 2.72 Max: 16
Current: 5.22
0.63
16
POCF 4.65
UIHC's POCF is ranked higher than
85% of the 105 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.17 vs. UIHC: 4.65 )
Ranked among companies with meaningful POCF only.
UIHC' s 10-Year POCF Range
Min: 0.61  Med: 2.47 Max: 44.44
Current: 4.65
0.61
44.44
EV-to-EBIT 6.06
UIHC's EV-to-EBIT is ranked higher than
77% of the 111 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.35 vs. UIHC: 6.06 )
Ranked among companies with meaningful EV-to-EBIT only.
UIHC' s 10-Year EV-to-EBIT Range
Min: -8  Med: 2.70 Max: 32.6
Current: 6.06
-8
32.6
PEG 0.22
UIHC's PEG is ranked higher than
92% of the 52 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.74 vs. UIHC: 0.22 )
Ranked among companies with meaningful PEG only.
UIHC' s 10-Year PEG Range
Min: 0  Med: 0.00 Max: 0.3
Current: 0.22
0
0.3
Shiller P/E 18.26
UIHC's Shiller P/E is ranked lower than
55% of the 94 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 17.59 vs. UIHC: 18.26 )
Ranked among companies with meaningful Shiller P/E only.
UIHC' s 10-Year Shiller P/E Range
Min: 5.11  Med: 15.39 Max: 31.21
Current: 18.26
5.11
31.21
Days Sales Outstanding 38.37
UIHC's Days Sales Outstanding is ranked higher than
83% of the 78 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 86.93 vs. UIHC: 38.37 )
Ranked among companies with meaningful Days Sales Outstanding only.
UIHC' s 10-Year Days Sales Outstanding Range
Min: 31.12  Med: 38.88 Max: 47.71
Current: 38.37
31.12
47.71

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.16
UIHC's Dividend Yield is ranked lower than
110% of the 174 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.95 vs. UIHC: 1.16 )
Ranked among companies with meaningful Dividend Yield only.
UIHC' s 10-Year Dividend Yield Range
Min: 0.57  Med: 1.20 Max: 6.88
Current: 1.16
0.57
6.88
Dividend Payout 0.12
UIHC's Dividend Payout is ranked higher than
94% of the 124 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.33 vs. UIHC: 0.12 )
Ranked among companies with meaningful Dividend Payout only.
UIHC' s 10-Year Dividend Payout Range
Min: 0.06  Med: 0.11 Max: 5
Current: 0.12
0.06
5
Dividend growth (3y) 47.40
UIHC's Dividend growth (3y) is ranked higher than
97% of the 76 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.10 vs. UIHC: 47.40 )
Ranked among companies with meaningful Dividend growth (3y) only.
UIHC' s 10-Year Dividend growth (3y) Range
Min: 0  Med: -18.90 Max: 47.4
Current: 47.4
0
47.4
Yield on cost (5-Year) 1.84
UIHC's Yield on cost (5-Year) is ranked lower than
100% of the 175 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.46 vs. UIHC: 1.84 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
UIHC' s 10-Year Yield on cost (5-Year) Range
Min: 0.93  Med: 1.96 Max: 11.23
Current: 1.84
0.93
11.23
Share Buyback Rate -24.30
UIHC's Share Buyback Rate is ranked lower than
97% of the 89 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.10 vs. UIHC: -24.30 )
Ranked among companies with meaningful Share Buyback Rate only.
UIHC' s 10-Year Share Buyback Rate Range
Min: 3.5  Med: -0.30 Max: -24.3
Current: -24.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.60
UIHC's Price/Tangible Book is ranked lower than
62% of the 121 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.41 vs. UIHC: 1.60 )
Ranked among companies with meaningful Price/Tangible Book only.
UIHC' s 10-Year Price/Tangible Book Range
Min: 0.47  Med: 1.03 Max: 3.52
Current: 1.6
0.47
3.52
Price/Projected FCF 0.51
UIHC's Price/Projected FCF is ranked higher than
75% of the 91 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.74 vs. UIHC: 0.51 )
Ranked among companies with meaningful Price/Projected FCF only.
UIHC' s 10-Year Price/Projected FCF Range
Min: 0.33  Med: 0.54 Max: 0.77
Current: 0.51
0.33
0.77
Price/Median PS Value 2.12
UIHC's Price/Median PS Value is ranked lower than
97% of the 125 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.07 vs. UIHC: 2.12 )
Ranked among companies with meaningful Price/Median PS Value only.
UIHC' s 10-Year Price/Median PS Value Range
Min: 0.54  Med: 0.97 Max: 3.02
Current: 2.12
0.54
3.02
Price/Graham Number 0.90
UIHC's Price/Graham Number is ranked lower than
51% of the 109 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.86 vs. UIHC: 0.90 )
Ranked among companies with meaningful Price/Graham Number only.
UIHC' s 10-Year Price/Graham Number Range
Min: 0.15  Med: 0.61 Max: 1.28
Current: 0.9
0.15
1.28
Earnings Yield (Greenblatt) (%) 16.85
UIHC's Earnings Yield (Greenblatt) (%) is ranked higher than
80% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.30 vs. UIHC: 16.85 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
UIHC' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 3.1  Med: 21.70 Max: 229.4
Current: 16.85
3.1
229.4

Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty
Compare: » details
Traded in other countries:0UI.Germany,
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.
» More Articles for UIHC

Headlines

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