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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 3.06
UVE's Cash to Debt is ranked higher than
75% of the 195 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.64 vs. UVE: 3.06 )
UVE' s 10-Year Cash to Debt Range
Min: 2.25   Max: No Debt
Current: 3.06

Equity to Asset 0.19
UVE's Equity to Asset is ranked higher than
61% of the 196 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.25 vs. UVE: 0.19 )
UVE' s 10-Year Equity to Asset Range
Min: -1.67   Max: 0.46
Current: 0.19

-1.67
0.46
F-Score: 5
Z-Score: 1.36
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 (%) 33.39
UVE's Operating margin (%) is ranked higher than
95% of the 189 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.62 vs. UVE: 33.39 )
UVE' s 10-Year Operating margin (%) Range
Min: -4.35   Max: 47.5
Current: 33.39

-4.35
47.5
Net-margin (%) 19.58
UVE's Net-margin (%) is ranked higher than
93% of the 189 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.68 vs. UVE: 19.58 )
UVE' s 10-Year Net-margin (%) Range
Min: -2400   Max: 33.09
Current: 19.58

-2400
33.09
ROE (%) 33.58
UVE's ROE (%) is ranked higher than
98% of the 190 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.70 vs. UVE: 33.58 )
UVE' s 10-Year ROE (%) Range
Min: -185.71   Max: 77.95
Current: 33.58

-185.71
77.95
ROA (%) 6.41
UVE's ROA (%) is ranked higher than
95% of the 191 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.69 vs. UVE: 6.41 )
UVE' s 10-Year ROA (%) Range
Min: -400   Max: 10.99
Current: 6.41

-400
10.99
ROC (Joel Greenblatt) (%) 1082.53
UVE's ROC (Joel Greenblatt) (%) is ranked higher than
91% of the 147 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 217.60 vs. UVE: 1082.53 )
UVE' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -19.92   Max: 10246
Current: 1082.53

-19.92
10246
Revenue Growth (%) 10.50
UVE's Revenue Growth (%) is ranked higher than
80% of the 176 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.20 vs. UVE: 10.50 )
UVE' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 159.8
Current: 10.5

0
159.8
EBITDA Growth (%) 19.90
UVE's EBITDA Growth (%) is ranked higher than
85% of the 162 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.50 vs. UVE: 19.90 )
UVE' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 111.8
Current: 19.9

0
111.8
EPS Growth (%) 19.70
UVE's EPS Growth (%) is ranked higher than
86% of the 167 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.50 vs. UVE: 19.70 )
UVE' s 10-Year EPS Growth (%) Range
Min: 0   Max: 70.4
Current: 19.7

0
70.4
» UVE's 10-Y Financials

Financials


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

» Details

Guru Trades

UVE Guru Trades in

Q3 2013

UVE Guru Trades in Q3 2013

Jim Simons 231,300 sh (+494.6%)
» More
Q4 2013

UVE Guru Trades in Q4 2013

Jim Simons 203,763 sh (-11.91%)
» More
Q1 2014

UVE Guru Trades in Q1 2014

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

Insider Trades

Latest Guru Trades with UVE



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 7.80
UVE's P/E(ttm) is ranked higher than
96% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.60 vs. UVE: 7.80 )
UVE' s 10-Year P/E(ttm) Range
Min: 0.44   Max: 14.29
Current: 7.8

0.44
14.29
P/B 2.50
UVE's P/B is ranked higher than
55% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.30 vs. UVE: 2.50 )
UVE' s 10-Year P/B Range
Min: 0.26   Max: 9.08
Current: 2.5

0.26
9.08
P/S 1.48
UVE's P/S is ranked higher than
67% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.28 vs. UVE: 1.48 )
UVE' s 10-Year P/S Range
Min: 0.12   Max: 3.3
Current: 1.48

0.12
3.3
PFCF 12.80
UVE's PFCF is ranked higher than
70% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.78 vs. UVE: 12.80 )
UVE' s 10-Year PFCF Range
Min: 0.04   Max: 25.64
Current: 12.8

0.04
25.64
EV-to-EBIT 3.42
UVE's EV-to-EBIT is ranked higher than
95% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.26 vs. UVE: 3.42 )
UVE' s 10-Year EV-to-EBIT Range
Min: 0.1   Max: 121.3
Current: 3.42

0.1
121.3
PEG 0.50
UVE's PEG is ranked higher than
93% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.07 vs. UVE: 0.50 )
UVE' s 10-Year PEG Range
Min: 0.01   Max: 2.04
Current: 0.5

0.01
2.04
Shiller P/E 13.10
UVE's Shiller P/E is ranked higher than
91% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 21.98 vs. UVE: 13.10 )
UVE' s 10-Year Shiller P/E Range
Min: 3.24   Max: 181.5
Current: 13.1

3.24
181.5

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.87
UVE's Dividend Yield is ranked higher than
65% of the 158 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.45 vs. UVE: 2.87 )
UVE' s 10-Year Dividend Yield Range
Min: 1.25   Max: 21.18
Current: 2.87

1.25
21.18
Dividend Payout 0.20
UVE's Dividend Payout is ranked higher than
87% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.04 vs. UVE: 0.20 )
UVE' s 10-Year Dividend Payout Range
Min: 0.18   Max: 4
Current: 0.2

0.18
4
Yield on cost (5-Year) 2.28
UVE's Yield on cost (5-Year) is ranked lower than
64% of the 160 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.15 vs. UVE: 2.28 )
UVE' s 10-Year Yield on cost (5-Year) Range
Min: 0.98   Max: 16.65
Current: 2.28

0.98
16.65
Share Buyback Rate 2.40
UVE's Share Buyback Rate is ranked higher than
84% of the 155 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.30 vs. UVE: 2.40 )
UVE' s 10-Year Share Buyback Rate Range
Min: 0   Max: -28
Current: 2.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.50
UVE's Price/Tangible Book is ranked higher than
59% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.58 vs. UVE: 2.50 )
UVE' s 10-Year Price/Tangible Book Range
Min: 0.13   Max: 6.15
Current: 2.5

0.13
6.15
Price/DCF (Projected) 0.40
UVE's Price/DCF (Projected) is ranked higher than
90% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.77 vs. UVE: 0.40 )
UVE' s 10-Year Price/DCF (Projected) Range
Min: 0.05   Max: 6.9
Current: 0.4

0.05
6.9
Price/Median PS Value 1.70
UVE's Price/Median PS Value is ranked higher than
55% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.14 vs. UVE: 1.70 )
UVE' s 10-Year Price/Median PS Value Range
Min: 0.05   Max: 5.8
Current: 1.7

0.05
5.8
Price/Peter Lynch Fair Value 0.70
UVE's Price/Peter Lynch Fair Value is ranked higher than
93% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9999.00 vs. UVE: 0.70 )
UVE' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.1   Max: 1.1
Current: 0.7

0.1
1.1
Price/Graham Number 0.90
UVE's Price/Graham Number is ranked higher than
75% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.99 vs. UVE: 0.90 )
UVE' s 10-Year Price/Graham Number Range
Min: 0.06   Max: 1.47
Current: 0.9

0.06
1.47
Earnings Yield (Greenblatt) 28.70
UVE's Earnings Yield (Greenblatt) is ranked higher than
95% of the 192 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.90 vs. UVE: 28.70 )
UVE' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.8   Max: 22497.5
Current: 28.7

0.8
22497.5
Forward Rate of Return (Yacktman) 16.89
UVE's Forward Rate of Return (Yacktman) is ranked higher than
83% of the 174 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.69 vs. UVE: 16.89 )
UVE' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -356   Max: 361.3
Current: 16.89

-356
361.3

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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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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