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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 8.30
UVE's Cash to Debt is ranked higher than
57% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.48 vs. UVE: 8.30 )
Ranked among companies with meaningful Cash to Debt only.
UVE' s Cash to Debt Range Over the Past 10 Years
Min: 2.25  Med: 8.48 Max: No Debt
Current: 8.3
Equity to Asset 0.26
UVE's Equity to Asset is ranked lower than
52% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.28 vs. UVE: 0.26 )
Ranked among companies with meaningful Equity to Asset only.
UVE' s Equity to Asset Range Over the Past 10 Years
Min: -1.67  Med: 0.17 Max: 0.46
Current: 0.26
-1.67
0.46
F-Score: 6
WACC vs ROIC
17.37%
383.33%
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 : 8/10

vs
industry
vs
history
Operating margin (%) 33.56
UVE's Operating margin (%) is ranked higher than
92% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.56 vs. UVE: 33.56 )
Ranked among companies with meaningful Operating margin (%) only.
UVE' s Operating margin (%) Range Over the Past 10 Years
Min: 14.93  Med: 32.09 Max: 47.5
Current: 33.56
14.93
47.5
Net-margin (%) 20.11
UVE's Net-margin (%) is ranked higher than
88% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.61 vs. UVE: 20.11 )
Ranked among companies with meaningful Net-margin (%) only.
UVE' s Net-margin (%) Range Over the Past 10 Years
Min: 8.9  Med: 19.68 Max: 33.09
Current: 20.11
8.9
33.09
ROE (%) 42.04
UVE's ROE (%) is ranked higher than
98% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.17 vs. UVE: 42.04 )
Ranked among companies with meaningful ROE (%) only.
UVE' s ROE (%) Range Over the Past 10 Years
Min: 13.88  Med: 36.83 Max: 114.14
Current: 42.04
13.88
114.14
ROA (%) 9.94
UVE's ROA (%) is ranked higher than
95% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.49 vs. UVE: 9.94 )
Ranked among companies with meaningful ROA (%) only.
UVE' s ROA (%) Range Over the Past 10 Years
Min: 2.42  Med: 5.16 Max: 11.1
Current: 9.94
2.42
11.1
Revenue Growth (3Y)(%) 23.50
UVE's Revenue Growth (3Y)(%) is ranked higher than
94% of the 111 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.40 vs. UVE: 23.50 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
UVE' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 8.75 Max: 159.8
Current: 23.5
0
159.8
EBITDA Growth (3Y)(%) 62.70
UVE's EBITDA Growth (3Y)(%) is ranked higher than
84% of the 83 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 19.30 vs. UVE: 62.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
UVE' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -15.10 Max: 111.8
Current: 62.7
0
111.8
EPS Growth (3Y)(%) 61.00
UVE's EPS Growth (3Y)(%) is ranked higher than
83% of the 76 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 16.90 vs. UVE: 61.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
UVE' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -4.90 Max: 266.6
Current: 61
0
266.6
» UVE's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2015

UVE Guru Trades in Q1 2015

Jim Simons 187,200 sh (+205.38%)
Paul Tudor Jones 23,788 sh (+128.36%)
Chuck Royce 103,200 sh (+23.15%)
» More
Q2 2015

UVE Guru Trades in Q2 2015

Jim Simons 209,800 sh (+12.07%)
Chuck Royce 103,200 sh (unchged)
Paul Tudor Jones 20,972 sh (-11.84%)
» More
Q3 2015

UVE Guru Trades in Q3 2015

Jeremy Grantham 36,900 sh (New)
Paul Tudor Jones 49,121 sh (+134.22%)
Chuck Royce 103,200 sh (unchged)
Jim Simons 181,790 sh (-13.35%)
» More
Q4 2015

UVE Guru Trades in Q4 2015

Jim Simons Sold Out
Chuck Royce 101,200 sh (-1.94%)
Jeremy Grantham 35,700 sh (-3.25%)
» More
» Details

Insider Trades

Latest Guru Trades with UVE

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

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» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Top Ranked Articles about Universal Insurance Holdings Inc

Jeremy Grantham's Holdings Trading Below Peter Lynch Earnings Line Atwood Oceanics is trading with widest margin of safety of 83%
Jeremy Grantham (Trades, Portfolio) is the chairman of the board of Grantham Mayo Van Otterloo, a Boston-based asset management firm whose portfolio is composed of 570 stocks, and the following are a few of his holdings that are trading with a very wide margin of safety, according to the Peter Lynch earnings line. Read more...

Ratios

vs
industry
vs
history
P/E(ttm) 6.11
UVE's P/E(ttm) is ranked higher than
97% of the 185 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.38 vs. UVE: 6.11 )
Ranked among companies with meaningful P/E(ttm) only.
UVE' s P/E(ttm) Range Over the Past 10 Years
Min: 0.43  Med: 6.31 Max: 13.24
Current: 6.11
0.43
13.24
PE(NRI) 6.11
UVE's PE(NRI) is ranked higher than
96% of the 157 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.70 vs. UVE: 6.11 )
Ranked among companies with meaningful PE(NRI) only.
UVE' s PE(NRI) Range Over the Past 10 Years
Min: 0.43  Med: 6.30 Max: 13.26
Current: 6.11
0.43
13.26
P/B 2.07
UVE's P/B is ranked lower than
92% of the 184 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.10 vs. UVE: 2.07 )
Ranked among companies with meaningful P/B only.
UVE' s P/B Range Over the Past 10 Years
Min: 0.25  Med: 1.67 Max: 9.08
Current: 2.07
0.25
9.08
P/S 1.22
UVE's P/S is ranked lower than
67% of the 184 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.95 vs. UVE: 1.22 )
Ranked among companies with meaningful P/S only.
UVE' s P/S Range Over the Past 10 Years
Min: 0.11  Med: 1.01 Max: 3.3
Current: 1.22
0.11
3.3
PFCF 2.83
UVE's PFCF is ranked higher than
94% of the 144 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.03 vs. UVE: 2.83 )
Ranked among companies with meaningful PFCF only.
UVE' s PFCF Range Over the Past 10 Years
Min: 0.38  Med: 2.88 Max: 25.64
Current: 2.83
0.38
25.64
POCF 2.61
UVE's POCF is ranked higher than
95% of the 174 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.76 vs. UVE: 2.61 )
Ranked among companies with meaningful POCF only.
UVE' s POCF Range Over the Past 10 Years
Min: 0.23  Med: 2.96 Max: 99999999.99
Current: 2.61
0.23
99999999.99
EV-to-EBIT 2.10
UVE's EV-to-EBIT is ranked higher than
96% of the 185 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.53 vs. UVE: 2.10 )
Ranked among companies with meaningful EV-to-EBIT only.
UVE' s EV-to-EBIT Range Over the Past 10 Years
Min: -21.7  Med: -0.50 Max: 6.4
Current: 2.1
-21.7
6.4
EV-to-EBITDA 2.09
UVE's EV-to-EBITDA is ranked higher than
96% of the 185 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.91 vs. UVE: 2.09 )
Ranked among companies with meaningful EV-to-EBITDA only.
UVE' s EV-to-EBITDA Range Over the Past 10 Years
Min: -11  Med: -0.50 Max: 6.4
Current: 2.09
-11
6.4
PEG 0.24
UVE's PEG is ranked higher than
91% of the 47 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.78 vs. UVE: 0.24 )
Ranked among companies with meaningful PEG only.
UVE' s PEG Range Over the Past 10 Years
Min: 0.03  Med: 0.31 Max: 4.15
Current: 0.24
0.03
4.15
Shiller P/E 13.84
UVE's Shiller P/E is ranked higher than
64% of the 96 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 14.56 vs. UVE: 13.84 )
Ranked among companies with meaningful Shiller P/E only.
UVE' s Shiller P/E Range Over the Past 10 Years
Min: 5.11  Med: 11.29 Max: 30.27
Current: 13.84
5.11
30.27

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.87
UVE's Dividend Yield is ranked lower than
70% of the 181 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 4.09 vs. UVE: 2.87 )
Ranked among companies with meaningful Dividend Yield only.
UVE' s Dividend Yield Range Over the Past 10 Years
Min: 0.72  Med: 4.87 Max: 21.21
Current: 2.87
0.72
21.21
Dividend Payout 0.17
UVE's Dividend Payout is ranked higher than
79% of the 136 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.36 vs. UVE: 0.17 )
Ranked among companies with meaningful Dividend Payout only.
UVE' s Dividend Payout Range Over the Past 10 Years
Min: 0.14  Med: 0.29 Max: 4
Current: 0.17
0.14
4
Dividend Growth (3y) 30.50
UVE's Dividend Growth (3y) is ranked higher than
88% of the 76 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.10 vs. UVE: 30.50 )
Ranked among companies with meaningful Dividend Growth (3y) only.
UVE' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 103.3
Current: 30.5
0
103.3
Forward Dividend Yield 3.35
UVE's Forward Dividend Yield is ranked lower than
54% of the 182 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.60 vs. UVE: 3.35 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 3.04
UVE's Yield on cost (5-Year) is ranked lower than
81% of the 182 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 4.59 vs. UVE: 3.04 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
UVE' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.76  Med: 5.14 Max: 22.4
Current: 3.04
0.76
22.4
3-Year Average Share Buyback Ratio 4.60
UVE's 3-Year Average Share Buyback Ratio is ranked higher than
89% of the 85 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.50 vs. UVE: 4.60 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
UVE' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -28  Med: -0.65 Max: 0
Current: 4.6
-28
0

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.10
UVE's Price/Tangible Book is ranked lower than
85% of the 185 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.31 vs. UVE: 2.10 )
Ranked among companies with meaningful Price/Tangible Book only.
UVE' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.13  Med: 1.32 Max: 6.15
Current: 2.1
0.13
6.15
Price/Projected FCF 0.31
UVE's Price/Projected FCF is ranked higher than
92% of the 157 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.77 vs. UVE: 0.31 )
Ranked among companies with meaningful Price/Projected FCF only.
UVE' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.05  Med: 0.25 Max: 0.77
Current: 0.31
0.05
0.77
Price/Median PS Value 1.21
UVE's Price/Median PS Value is ranked higher than
88% of the 185 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.13 vs. UVE: 1.21 )
Ranked among companies with meaningful Price/Median PS Value only.
UVE' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.04  Med: 0.80 Max: 5.06
Current: 1.21
0.04
5.06
Price/Peter Lynch Fair Value 0.24
UVE's Price/Peter Lynch Fair Value is ranked higher than
94% of the 70 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.53 vs. UVE: 0.24 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
UVE' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.1  Med: 0.26 Max: 1.1
Current: 0.24
0.1
1.1
Price/Graham Number 0.76
UVE's Price/Graham Number is ranked higher than
66% of the 184 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.16 vs. UVE: 0.76 )
Ranked among companies with meaningful Price/Graham Number only.
UVE' s Price/Graham Number Range Over the Past 10 Years
Min: 0.05  Med: 0.61 Max: 1.45
Current: 0.76
0.05
1.45
Earnings Yield (Greenblatt) (%) 47.64
UVE's Earnings Yield (Greenblatt) (%) is ranked higher than
97% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.40 vs. UVE: 47.64 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
UVE' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 15.6  Med: 43.45 Max: 22497.5
Current: 47.64
15.6
22497.5
Forward Rate of Return (Yacktman) (%) 54.47
UVE's Forward Rate of Return (Yacktman) (%) is ranked higher than
89% of the 71 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 17.25 vs. UVE: 54.47 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
UVE' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -305  Med: 31.60 Max: 174.6
Current: 54.47
-305
174.6

More Statistics

Revenue(Mil) $489
EPS $ 2.75
Beta2.21
Short Percentage of Float21.48%
52-Week Range $15.86 - 37.49
Shares Outstanding(Mil)35.60

Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty
Compare:RLI, TRV, MBI, QBIEY, TKOMY » details
Traded in other countries:5UI.Germany,
Universal Insurance Holdings Inc was incorporated under the laws of the State of Delaware on November 13, 1990. The Company changed its name to Universal Insurance Holdings, Inc. on January 12, 2001. The Company is a vertically integrated insurance holding company, which through its various subsidiaries, covers substantially all aspects of insurance underwriting, distribution, claims processing and exposure management. Universal Property & Casualty Insurance Company (UPCIC), a wholly owned subsidiary of UIH, is a writer of homeowners' insurance in Florida and is now fully licensed and has commenced its operations in Georgia, Hawaii, North Carolina and South Carolina. The Company's primary product is homeowners' insurance. The Company's criteria for selecting insurance policies includes, but is not limited to, the use of specific policy forms, coverage amounts on buildings and contents and required compliance with local building codes. Also, to improve underwriting and manage risk, the Company utilizes standard industry modeling techniques for hurricane and windstorm exposure. Florida insurance companies are subject to regulation and supervision by the OIR.
» More Articles for UVE

Headlines

Articles On GuruFocus.com
4 Cheapest Financial Dividend Stocks from the Top Performing YTD List Jul 10 2013 
Weekly CEO Sells Highlight: Universal Insurance Holdings Inc, Avanir Pharmaceuticals Inc, Bel Fuse I Jun 30 2012 
CEO of Universal Insurance Holdings Bradley Meier Sold 1,500,000 Shares Jun 26 2012 
The Best Dividends on March 26, 2012 Mar 23 2012 
Universal Insurance Holdings Inc (UVE) CEO, 10% Owner Bradley I Meier sells 250,000 Shares Dec 23 2010 
Universal Insurance Holdings Inc (UVE) CEO, 10% Owner Bradley I Meier sells 50,000 Shares Dec 15 2010 
Universal Insurance Holdings Inc (UVE) Senior V.P. and COO Sean P Downes sells 175,000 Shares Dec 09 2010 
Universal Insurance Holdings Inc (UVE) CEO, 10% Owner Bradley I Meier sells 350,000 Shares Dec 07 2010 
Universal Insurance Holdings Inc (UVE) CEO, 10% Owner Bradley I Meier sells 125,000 Shares Nov 29 2010 
Universal Insurance Holdings Inc (UVE) Senior Vice President and COO Sean P Downes sells 575,000 Sha Sep 28 2010 

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