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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 : 6/10

vs
industry
vs
history
Cash to Debt 3.77
UVE's Cash to Debt is ranked higher than
75% of the 245 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.15 vs. UVE: 3.77 )
UVE' s 10-Year Cash to Debt Range
Min: 2.89   Max: No Debt
Current: 3.77

Equity to Asset 0.22
UVE's Equity to Asset is ranked higher than
65% of the 244 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.25 vs. UVE: 0.22 )
UVE' s 10-Year Equity to Asset Range
Min: -1.5   Max: 0.46
Current: 0.22

-1.5
0.46
F-Score: 7
Z-Score: 1.96
WACC vs ROIC
19.01%
133.58%
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 (%) 34.56
UVE's Operating margin (%) is ranked higher than
95% of the 245 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.45 vs. UVE: 34.56 )
UVE' s 10-Year Operating margin (%) Range
Min: -4.35   Max: 47.5
Current: 34.56

-4.35
47.5
Net-margin (%) 19.77
UVE's Net-margin (%) is ranked higher than
93% of the 245 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.80 vs. UVE: 19.77 )
UVE' s 10-Year Net-margin (%) Range
Min: -2400   Max: 33.09
Current: 19.77

-2400
33.09
ROE (%) 39.94
UVE's ROE (%) is ranked higher than
99% of the 244 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.59 vs. UVE: 39.94 )
UVE' s 10-Year ROE (%) Range
Min: -2400   Max: 114.14
Current: 39.94

-2400
114.14
ROA (%) 7.89
UVE's ROA (%) is ranked higher than
95% of the 245 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.05 vs. UVE: 7.89 )
UVE' s 10-Year ROA (%) Range
Min: -160   Max: 11.1
Current: 7.89

-160
11.1
ROC (Joel Greenblatt) (%) 1137.94
UVE's ROC (Joel Greenblatt) (%) is ranked higher than
89% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 276.99 vs. UVE: 1137.94 )
UVE' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -22.29   Max: 7595.74
Current: 1137.94

-22.29
7595.74
Revenue Growth (3Y)(%) 23.50
UVE's Revenue Growth (3Y)(%) is ranked higher than
98% of the 221 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.20 vs. UVE: 23.50 )
UVE' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 159.8
Current: 23.5

0
159.8
EBITDA Growth (3Y)(%) 62.70
UVE's EBITDA Growth (3Y)(%) is ranked higher than
94% of the 181 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 17.30 vs. UVE: 62.70 )
UVE' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 111.8
Current: 62.7

0
111.8
EPS Growth (3Y)(%) 60.80
UVE's EPS Growth (3Y)(%) is ranked higher than
89% of the 156 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 21.80 vs. UVE: 60.80 )
UVE' s 10-Year EPS Growth (3Y)(%) Range
Min: 0   Max: 73.4
Current: 60.8

0
73.4
» UVE's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2014

UVE Guru Trades in Q1 2014

Jim Simons 167,810 sh (-17.64%)
» More
Q2 2014

UVE Guru Trades in Q2 2014

Chuck Royce 37,200 sh (New)
Jim Simons Sold Out
» More
Q3 2014

UVE Guru Trades in Q3 2014

Paul Tudor Jones 20,158 sh (New)
Chuck Royce 73,600 sh (+97.85%)
» More
Q4 2014

UVE Guru Trades in Q4 2014

Jim Simons 61,300 sh (New)
Chuck Royce 83,800 sh (+13.86%)
Paul Tudor Jones 10,417 sh (-48.32%)
» 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 )

Ratios

vs
industry
vs
history
P/E(ttm) 12.20
UVE's P/E(ttm) is ranked higher than
76% of the 278 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 15.20 vs. UVE: 12.20 )
UVE' s 10-Year P/E(ttm) Range
Min: 0.44   Max: 12.69
Current: 12.2

0.44
12.69
PE(NRI) 12.20
UVE's PE(NRI) is ranked higher than
80% of the 278 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 14.80 vs. UVE: 12.20 )
UVE' s 10-Year PE(NRI) Range
Min: 0.44   Max: 12.71
Current: 12.2

0.44
12.71
P/B 4.32
UVE's P/B is ranked lower than
59% of the 278 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.45 vs. UVE: 4.32 )
UVE' s 10-Year P/B Range
Min: 0.26   Max: 9.08
Current: 4.32

0.26
9.08
P/S 2.41
UVE's P/S is ranked lower than
66% of the 278 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.31 vs. UVE: 2.41 )
UVE' s 10-Year P/S Range
Min: 0.12   Max: 3.3
Current: 2.41

0.12
3.3
PFCF 7.78
UVE's PFCF is ranked higher than
84% of the 278 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 30.83 vs. UVE: 7.78 )
UVE' s 10-Year PFCF Range
Min: 0.04   Max: 25.64
Current: 7.78

0.04
25.64
POCF 7.19
UVE's POCF is ranked higher than
86% of the 278 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.63 vs. UVE: 7.19 )
UVE' s 10-Year POCF Range
Min: 0.04   Max: 239
Current: 7.19

0.04
239
EV-to-EBIT 5.92
UVE's EV-to-EBIT is ranked higher than
92% of the 278 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.85 vs. UVE: 5.92 )
UVE' s 10-Year EV-to-EBIT Range
Min: -21.7   Max: 79
Current: 5.92

-21.7
79
PEG 0.49
UVE's PEG is ranked higher than
94% of the 278 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.00 vs. UVE: 0.49 )
UVE' s 10-Year PEG Range
Min: 0.03   Max: 2.04
Current: 0.49

0.03
2.04
Shiller P/E 22.64
UVE's Shiller P/E is ranked higher than
64% of the 278 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 23.78 vs. UVE: 22.64 )
UVE' s 10-Year Shiller P/E Range
Min: 3.55   Max: 181.5
Current: 22.64

3.55
181.5
Days Sales Outstanding 58.74
UVE's Days Sales Outstanding is ranked higher than
92% of the 278 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 257.26 vs. UVE: 58.74 )
UVE' s 10-Year Days Sales Outstanding Range
Min: 30.25   Max: 4049.82
Current: 58.74

30.25
4049.82

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.67
UVE's Dividend Yield is ranked lower than
72% of the 212 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.73 vs. UVE: 1.67 )
UVE' s 10-Year Dividend Yield Range
Min: 0.72   Max: 21.18
Current: 1.67

0.72
21.18
Dividend Payout 0.19
UVE's Dividend Payout is ranked higher than
95% of the 278 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.61 vs. UVE: 0.19 )
UVE' s 10-Year Dividend Payout Range
Min: 0.11   Max: 0.59
Current: 0.19

0.11
0.59
Dividend growth (3y) 30.50
UVE's Dividend growth (3y) is ranked higher than
94% of the 174 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.40 vs. UVE: 30.50 )
UVE' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 103.3
Current: 30.5

0
103.3
Yield on cost (5-Year) 1.80
UVE's Yield on cost (5-Year) is ranked lower than
71% of the 214 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.49 vs. UVE: 1.80 )
UVE' s 10-Year Yield on cost (5-Year) Range
Min: 0.76   Max: 22.37
Current: 1.8

0.76
22.37
Share Buyback Rate 4.60
UVE's Share Buyback Rate is ranked higher than
91% of the 194 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.20 vs. UVE: 4.60 )
UVE' s 10-Year Share Buyback Rate Range
Min: 0   Max: -28
Current: 4.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 4.32
UVE's Price/Tangible Book is ranked higher than
54% of the 278 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.80 vs. UVE: 4.32 )
UVE' s 10-Year Price/Tangible Book Range
Min: 0.13   Max: 6.15
Current: 4.32

0.13
6.15
Price/DCF (Projected) 0.65
UVE's Price/DCF (Projected) is ranked higher than
83% of the 278 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.30 vs. UVE: 0.65 )
UVE' s 10-Year Price/DCF (Projected) Range
Min: 0.14   Max: 0.6
Current: 0.65

0.14
0.6
Price/Median PS Value 2.50
UVE's Price/Median PS Value is ranked higher than
52% of the 278 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.20 vs. UVE: 2.50 )
UVE' s 10-Year Price/Median PS Value Range
Min: 0.09   Max: 2.03
Current: 2.5

0.09
2.03
Price/Peter Lynch Fair Value 0.49
UVE's Price/Peter Lynch Fair Value is ranked higher than
95% of the 278 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.00 vs. UVE: 0.49 )
UVE' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.1   Max: 0.74
Current: 0.49

0.1
0.74
Price/Graham Number 1.50
UVE's Price/Graham Number is ranked higher than
63% of the 278 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.10 vs. UVE: 1.50 )
UVE' s 10-Year Price/Graham Number Range
Min: 0.32   Max: 1.22
Current: 1.5

0.32
1.22
Earnings Yield (Greenblatt) 16.90
UVE's Earnings Yield (Greenblatt) is ranked higher than
91% of the 245 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.30 vs. UVE: 16.90 )
UVE' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.3   Max: 22497.5
Current: 16.9

1.3
22497.5
Forward Rate of Return (Yacktman) 37.90
UVE's Forward Rate of Return (Yacktman) is ranked higher than
90% of the 167 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.86 vs. UVE: 37.90 )
UVE' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -305   Max: 191.6
Current: 37.9

-305
191.6

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

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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 
High div (6.7%) - no Mar 11 2012 
Not bad. Aug 06 2011 
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 


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