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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 : 8/10

vs
industry
vs
history
Cash to Debt 6.67
UIHC's Cash to Debt is ranked higher than
56% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.89 vs. UIHC: 6.67 )
Ranked among companies with meaningful Cash to Debt only.
UIHC' s Cash to Debt Range Over the Past 10 Years
Min: 0.47  Med: 3.09 Max: No Debt
Current: 6.67
Equity to Asset 0.29
UIHC's Equity to Asset is ranked higher than
54% of the 125 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.28 vs. UIHC: 0.29 )
Ranked among companies with meaningful Equity to Asset only.
UIHC' s Equity to Asset Range Over the Past 10 Years
Min: 0.12  Med: 0.21 Max: 0.66
Current: 0.29
0.12
0.66
Interest Coverage 122.83
UIHC's Interest Coverage is ranked higher than
58% of the 113 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 29.49 vs. UIHC: 122.83 )
Ranked among companies with meaningful Interest Coverage only.
UIHC' s Interest Coverage Range Over the Past 10 Years
Min: 1.99  Med: 24.07 Max: 156.91
Current: 122.83
1.99
156.91
F-Score: 4
WACC vs ROIC
14.01%
17.12%
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 (%) 11.67
UIHC's Operating margin (%) is ranked higher than
53% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.07 vs. UIHC: 11.67 )
Ranked among companies with meaningful Operating margin (%) only.
UIHC' s Operating margin (%) Range Over the Past 10 Years
Min: -0.85  Med: 15.13 Max: 44.02
Current: 11.67
-0.85
44.02
Net-margin (%) 7.48
UIHC's Net-margin (%) is ranked lower than
56% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.58 vs. UIHC: 7.48 )
Ranked among companies with meaningful Net-margin (%) only.
UIHC' s Net-margin (%) Range Over the Past 10 Years
Min: -1.16  Med: 9.09 Max: 35.21
Current: 7.48
-1.16
35.21
ROE (%) 11.77
UIHC's ROE (%) is ranked higher than
62% of the 125 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.20 vs. UIHC: 11.77 )
Ranked among companies with meaningful ROE (%) only.
UIHC' s ROE (%) Range Over the Past 10 Years
Min: -1.98  Med: 16.13 Max: 75.08
Current: 11.77
-1.98
75.08
ROA (%) 3.70
UIHC's ROA (%) is ranked higher than
67% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.44 vs. UIHC: 3.70 )
Ranked among companies with meaningful ROA (%) only.
UIHC' s ROA (%) Range Over the Past 10 Years
Min: -0.4  Med: 3.56 Max: 14.09
Current: 3.7
-0.4
14.09
Revenue Growth (3Y)(%) 14.80
UIHC's Revenue Growth (3Y)(%) is ranked higher than
85% of the 109 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.00 vs. UIHC: 14.80 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
UIHC' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
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
62% of the 81 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 19.30 vs. UIHC: 32.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
UIHC' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -68.9  Med: 15.80 Max: 150.5
Current: 32.1
-68.9
150.5
EPS Growth (3Y)(%) 38.20
UIHC's EPS Growth (3Y)(%) is ranked higher than
71% of the 75 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 16.90 vs. UIHC: 38.20 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
UIHC' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -36.9  Med: 33.40 Max: 38.2
Current: 38.2
-36.9
38.2
» UIHC's 10-Y Financials

Financials


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

» Details

Guru Trades

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
Q2 2015

UIHC Guru Trades in Q2 2015

Jim Simons Sold Out
Chuck Royce 13,000 sh (-89.18%)
» More
Q3 2015

UIHC Guru Trades in Q3 2015

Chuck Royce 13,000 sh (unchged)
» 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) 12.35
UIHC's P/E(ttm) is ranked lower than
53% of the 179 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.94 vs. UIHC: 12.35 )
Ranked among companies with meaningful P/E(ttm) only.
UIHC' s P/E(ttm) Range Over the Past 10 Years
Min: 0.89  Med: 7.84 Max: 16.43
Current: 12.35
0.89
16.43
PE(NRI) 12.45
UIHC's PE(NRI) is ranked higher than
54% of the 149 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.30 vs. UIHC: 12.45 )
Ranked among companies with meaningful PE(NRI) only.
UIHC' s PE(NRI) Range Over the Past 10 Years
Min: 0.89  Med: 7.80 Max: 16.49
Current: 12.45
0.89
16.49
P/B 1.39
UIHC's P/B is ranked lower than
70% of the 179 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.11 vs. UIHC: 1.39 )
Ranked among companies with meaningful P/B only.
UIHC' s P/B Range Over the Past 10 Years
Min: 0.46  Med: 0.99 Max: 3.64
Current: 1.39
0.46
3.64
P/S 0.93
UIHC's P/S is ranked higher than
56% of the 179 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.98 vs. UIHC: 0.93 )
Ranked among companies with meaningful P/S only.
UIHC' s P/S Range Over the Past 10 Years
Min: 0.28  Med: 0.51 Max: 2
Current: 0.93
0.28
2
PFCF 3.90
UIHC's PFCF is ranked higher than
86% of the 137 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.13 vs. UIHC: 3.90 )
Ranked among companies with meaningful PFCF only.
UIHC' s PFCF Range Over the Past 10 Years
Min: 0.63  Med: 3.10 Max: 66.67
Current: 3.9
0.63
66.67
POCF 3.34
UIHC's POCF is ranked higher than
91% of the 173 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.89 vs. UIHC: 3.34 )
Ranked among companies with meaningful POCF only.
UIHC' s POCF Range Over the Past 10 Years
Min: 0.61  Med: 1.95 Max: 44.44
Current: 3.34
0.61
44.44
EV-to-EBIT 6.15
UIHC's EV-to-EBIT is ranked higher than
76% of the 178 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.43 vs. UIHC: 6.15 )
Ranked among companies with meaningful EV-to-EBIT only.
UIHC' s EV-to-EBIT Range Over the Past 10 Years
Min: -61.9  Med: 1.80 Max: 9.3
Current: 6.15
-61.9
9.3
EV-to-EBITDA 5.77
UIHC's EV-to-EBITDA is ranked higher than
73% of the 179 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.67 vs. UIHC: 5.77 )
Ranked among companies with meaningful EV-to-EBITDA only.
UIHC' s EV-to-EBITDA Range Over the Past 10 Years
Min: -733.3  Med: 1.80 Max: 9.1
Current: 5.77
-733.3
9.1
PEG 0.26
UIHC's PEG is ranked higher than
92% of the 48 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.83 vs. UIHC: 0.26 )
Ranked among companies with meaningful PEG only.
UIHC' s PEG Range Over the Past 10 Years
Min: 0.28  Med: 0.35 Max: 0.42
Current: 0.26
0.28
0.42

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.37
UIHC's Dividend Yield is ranked lower than
99.99% of the 178 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.92 vs. UIHC: 1.37 )
Ranked among companies with meaningful Dividend Yield only.
UIHC' s Dividend Yield Range Over the Past 10 Years
Min: 0.57  Med: 1.25 Max: 6.88
Current: 1.37
0.57
6.88
Dividend Payout 0.16
UIHC's Dividend Payout is ranked higher than
87% of the 136 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.36 vs. UIHC: 0.16 )
Ranked among companies with meaningful Dividend Payout only.
UIHC' s Dividend Payout Range Over the Past 10 Years
Min: 0.06  Med: 0.11 Max: 5
Current: 0.16
0.06
5
Dividend Growth (3y) 47.40
UIHC's Dividend Growth (3y) is ranked higher than
96% of the 75 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 Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: -18.90 Max: 47.4
Current: 47.4
0
47.4
Forward Dividend Yield 1.37
UIHC's Forward Dividend Yield is ranked lower than
99% of the 178 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.49 vs. UIHC: 1.37 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.20
UIHC's Yield on cost (5-Year) is ranked lower than
99.99% of the 178 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 4.89 vs. UIHC: 2.20 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
UIHC' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.93  Med: 2.04 Max: 11.23
Current: 2.2
0.93
11.23
3-Year Average Share Buyback Ratio -24.30
UIHC's 3-Year Average Share Buyback Ratio is ranked lower than
95% of the 84 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.40 vs. UIHC: -24.30 )
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: -24.3  Med: -0.30 Max: 3.5
Current: -24.3
-24.3
3.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.41
UIHC's Price/Tangible Book is ranked lower than
53% of the 179 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.38 vs. UIHC: 1.41 )
Ranked among companies with meaningful Price/Tangible Book only.
UIHC' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.47  Med: 1.05 Max: 3.52
Current: 1.41
0.47
3.52
Price/Projected FCF 0.44
UIHC's Price/Projected FCF is ranked higher than
80% of the 148 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.79 vs. UIHC: 0.44 )
Ranked among companies with meaningful Price/Projected FCF only.
UIHC' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.37  Med: 0.54 Max: 0.83
Current: 0.44
0.37
0.83
Price/Median PS Value 1.83
UIHC's Price/Median PS Value is ranked higher than
85% of the 177 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.98 vs. UIHC: 1.83 )
Ranked among companies with meaningful Price/Median PS Value only.
UIHC' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.56  Med: 1.02 Max: 3.13
Current: 1.83
0.56
3.13
Price/Graham Number 0.89
UIHC's Price/Graham Number is ranked higher than
51% of the 179 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.08 vs. UIHC: 0.89 )
Ranked among companies with meaningful Price/Graham Number only.
UIHC' s Price/Graham Number Range Over the Past 10 Years
Min: 0.15  Med: 0.64 Max: 1.28
Current: 0.89
0.15
1.28
Earnings Yield (Greenblatt) (%) 16.28
UIHC's Earnings Yield (Greenblatt) (%) is ranked higher than
74% of the 123 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.50 vs. UIHC: 16.28 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
UIHC' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 10.7  Med: 36.10 Max: 389.2
Current: 16.28
10.7
389.2

More Statistics

Revenue(Mil) $334
EPS $ 1.19
Beta1.87
Short Percentage of Float2.59%
52-Week Range $12.12 - 28.43
Shares Outstanding(Mil)21.53

Analyst Estimate

Dec15
Revenue(Mil)
EPS($) 1.50
EPS without NRI($) 1.50

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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