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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 5.65
UIHC's Cash to Debt is ranked higher than
78% of the 197 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.66 vs. UIHC: 5.65 )
UIHC' s 10-Year Cash to Debt Range
Min: 0.47   Max: No Debt
Current: 5.65

Equity to Asset 0.29
UIHC's Equity to Asset is ranked higher than
80% of the 194 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.25 vs. UIHC: 0.29 )
UIHC' s 10-Year Equity to Asset Range
Min: 0.12   Max: 0.66
Current: 0.29

0.12
0.66
Interest Coverage 93.97
UIHC's Interest Coverage is ranked higher than
77% of the 158 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 22.74 vs. UIHC: 93.97 )
UIHC' s 10-Year Interest Coverage Range
Min: 1.99   Max: 93.97
Current: 93.97

1.99
93.97
F-Score: 6
Z-Score: 1.33
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 : 8/10

vs
industry
vs
history
Operating margin (%) 16.57
UIHC's Operating margin (%) is ranked higher than
83% of the 191 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.10 vs. UIHC: 16.57 )
UIHC' s 10-Year Operating margin (%) Range
Min: -0.85   Max: 44.02
Current: 16.57

-0.85
44.02
Net-margin (%) 9.78
UIHC's Net-margin (%) is ranked higher than
79% of the 191 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.68 vs. UIHC: 9.78 )
UIHC' s 10-Year Net-margin (%) Range
Min: -1.16   Max: 35.21
Current: 9.78

-1.16
35.21
ROE (%) 18.91
UIHC's ROE (%) is ranked higher than
93% of the 192 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.70 vs. UIHC: 18.91 )
UIHC' s 10-Year ROE (%) Range
Min: -2.04   Max: 85.99
Current: 18.91

-2.04
85.99
ROA (%) 4.61
UIHC's ROA (%) is ranked higher than
87% of the 193 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.65 vs. UIHC: 4.61 )
UIHC' s 10-Year ROA (%) Range
Min: -0.43   Max: 16.35
Current: 4.61

-0.43
16.35
Revenue Growth (%) 19.40
UIHC's Revenue Growth (%) is ranked higher than
95% of the 178 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.70 vs. UIHC: 19.40 )
UIHC' s 10-Year Revenue Growth (%) Range
Min: -7.5   Max: 19.4
Current: 19.4

-7.5
19.4
EBITDA Growth (%) 150.50
UIHC's EBITDA Growth (%) is ranked higher than
99% of the 164 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.20 vs. UIHC: 150.50 )
UIHC' s 10-Year EBITDA Growth (%) Range
Min: -68.9   Max: 150.5
Current: 150.5

-68.9
150.5
» UIHC's 10-Y Financials

Financials


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

» Details

Guru Trades

UIHC Guru Trades in

Q4 2013

UIHC Guru Trades in Q4 2013

Jim Simons 25,000 sh (New)
» More
Q1 2014

UIHC Guru Trades in Q1 2014

Paul Tudor Jones 59,573 sh (New)
Chuck Royce 205,000 sh (New)
Jim Simons 42,300 sh (+69.2%)
» More
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
» 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%)



No Insider Trades Found!
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Peter Lynch Chart ( What is Peter Lynch Charts )

Top Ranked Articles about United Insurance Holdings Corp

Top Insider Buys of the Week
Over the past week there were several companies reporting smaller insider buys along some large insider sells. The following insiders reported the largest insider buys over the past week. These transactions were judged based on the number of insiders buying, transaction amount and the amount of shares being purchased Read more...

Ratios

vs
industry
vs
history
P/E(ttm) 9.10
UIHC's P/E(ttm) is ranked higher than
87% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.80 vs. UIHC: 9.10 )
UIHC' s 10-Year P/E(ttm) Range
Min: 0.89   Max: 12.36
Current: 9.1

0.89
12.36
P/B 1.90
UIHC's P/B is ranked lower than
55% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.29 vs. UIHC: 1.90 )
UIHC' s 10-Year P/B Range
Min: 0.46   Max: 3.64
Current: 1.9

0.46
3.64
P/S 1.16
UIHC's P/S is ranked higher than
61% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.20 vs. UIHC: 1.16 )
UIHC' s 10-Year P/S Range
Min: 0.28   Max: 1.28
Current: 1.16

0.28
1.28
PFCF 3.50
UIHC's PFCF is ranked higher than
94% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.20 vs. UIHC: 3.50 )
UIHC' s 10-Year PFCF Range
Min: 0.63   Max: 44.44
Current: 3.5

0.63
44.44
EV-to-EBIT 5.08
UIHC's EV-to-EBIT is ranked higher than
94% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.44 vs. UIHC: 5.08 )
UIHC' s 10-Year EV-to-EBIT Range
Min: 0.4   Max: 9
Current: 5.08

0.4
9
PEG 0.18
UIHC's PEG is ranked higher than
99% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9999.00 vs. UIHC: 0.18 )
UIHC' s 10-Year PEG Range
Min: 0   Max: 0.3
Current: 0.18

0
0.3
Shiller P/E 16.20
UIHC's Shiller P/E is ranked higher than
73% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 21.34 vs. UIHC: 16.20 )
UIHC' s 10-Year Shiller P/E Range
Min: 5.11   Max: 17.89
Current: 16.2

5.11
17.89

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.91
UIHC's Dividend Yield is ranked lower than
87% of the 159 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.40 vs. UIHC: 0.91 )
UIHC' s 10-Year Dividend Yield Range
Min: 0.73   Max: 6.15
Current: 0.91

0.73
6.15
Dividend Payout 0.08
UIHC's Dividend Payout is ranked higher than
96% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.46 vs. UIHC: 0.08 )
UIHC' s 10-Year Dividend Payout Range
Min: 0.06   Max: 0.35
Current: 0.08

0.06
0.35
Dividend growth (3y) 33.90
UIHC's Dividend growth (3y) is ranked higher than
97% of the 122 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.80 vs. UIHC: 33.90 )
UIHC' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 33.9
Current: 33.9

0
33.9
Yield on cost (5-Year) 0.91
UIHC's Yield on cost (5-Year) is ranked lower than
86% of the 161 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.03 vs. UIHC: 0.91 )
UIHC' s 10-Year Yield on cost (5-Year) Range
Min: 0.74   Max: 6.21
Current: 0.91

0.74
6.21
Share Buyback Rate -15.20
UIHC's Share Buyback Rate is ranked higher than
52% of the 157 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.30 vs. UIHC: -15.20 )
UIHC' s 10-Year Share Buyback Rate Range
Min: 3.5   Max: -15.2
Current: -15.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.90
UIHC's Price/Tangible Book is ranked higher than
68% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.54 vs. UIHC: 1.90 )
UIHC' s 10-Year Price/Tangible Book Range
Min: 0.47   Max: 3.52
Current: 1.9

0.47
3.52
Price/DCF (Projected) 0.50
UIHC's Price/DCF (Projected) is ranked higher than
79% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.79 vs. UIHC: 0.50 )
UIHC' s 10-Year Price/DCF (Projected) Range
Min: 0.28   Max: 0.55
Current: 0.5

0.28
0.55
Price/Median PS Value 2.30
UIHC's Price/Median PS Value is ranked higher than
51% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.08 vs. UIHC: 2.30 )
UIHC' s 10-Year Price/Median PS Value Range
Min: 0.57   Max: 2.34
Current: 2.3

0.57
2.34
Price/Graham Number 0.90
UIHC's Price/Graham Number is ranked higher than
71% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.94 vs. UIHC: 0.90 )
UIHC' s 10-Year Price/Graham Number Range
Min: 0.15   Max: 1.03
Current: 0.9

0.15
1.03
Earnings Yield (Greenblatt) 19.30
UIHC's Earnings Yield (Greenblatt) is ranked higher than
91% of the 196 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.00 vs. UIHC: 19.30 )
UIHC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 11.1   Max: 229.4
Current: 19.3

11.1
229.4
Forward Rate of Return (Yacktman) 12.63
UIHC's Forward Rate of Return (Yacktman) is ranked higher than
81% of the 183 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.40 vs. UIHC: 12.63 )
UIHC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 13.4   Max: 84.8
Current: 12.63

13.4
84.8

Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty
Compare: » details
United Insurance Holdings Corp. formerly known as FMG Acquisition Corp. was incorporated under the laws of the State of Delaware on May 22, 2007. The Company was formed to acquire one or more operating businesses in the insurance industry. 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 ( 'FMG'), merged with and into United Insurance Holdings, L.C. ( 'UIH'), a Florida limited liability company, with UIH remaining as the surviving entity (the 'Merger'). In connection with the Merger, FMG changed its name to United Insurance Holdings Corp. Through UIH and UIH's three wholly-owned subsidiaries, it is engaged in the property and casualty insurance business in the State of Florida. The three subsidiaries of UIH are United Property & Casualty Insurance Company ('UPCIC'), United Insurance Management, L.C. ('UIM') and Skyway Claims Services, LLC ('Skyway'). The Company is a property and casualty insurance holding 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. It offers mainly homeowner and dwelling property and casualty insurance policies in Florida. In addition, it offers flood coverage to homeowners. The Company specializes in providing homeowner and dwelling insurance policies. It offers standardized policies and prices these policies in accordance with the rates approved by the OIR. The Company's homeowner policy, which provides both structure and content coverage for a range of exposures, is a policy that includes coverage options for standard single-family homeowners, tenants (renters), and for condominium unit owners. Another homeowner insurance coverage it offers is flood insurance ('Flood') which is provided through the National Flood Insurance Program ('NFIP'). The Company recruit, train and license the independent full-service insurance agents that distribute its products. Typically, a full-service agency is small to medium in size and represents several companies for both personal and commercial product lines. The Company's mainly domestic competitors are Universal Insurance Company of North America, Security First Insurance Company, and other similar companies. It competes mainly on the basis of customer service, coverage offered, claims handling, price, agent commission and its financial strength. The Company is subject to the laws and regulations in Florida and regulations of any other states in which it seeks to conduct business in the future. The regulations cover all aspects of its business and are generally designed to protect the interests of insurance policyholders, as opposed to the interests of shareholders.
» More Articles for UIHC

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