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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 7.04
UVE's Cash-to-Debt is ranked higher than
60% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.19 vs. UVE: 7.04 )
Ranked among companies with meaningful Cash-to-Debt only.
UVE' s Cash-to-Debt Range Over the Past 10 Years
Min: 2.89  Med: 7.85 Max: No Debt
Current: 7.04
Equity-to-Asset 0.35
UVE's Equity-to-Asset is ranked higher than
68% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.27 vs. UVE: 0.35 )
Ranked among companies with meaningful Equity-to-Asset only.
UVE' s Equity-to-Asset Range Over the Past 10 Years
Min: -1.5  Med: 0.17 Max: 0.46
Current: 0.35
-1.5
0.46
Interest Coverage N/A
UVE's Interest Coverage is ranked higher than
69% of the 135 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 29.34 vs. UVE: N/A )
Ranked among companies with meaningful Interest Coverage only.
UVE' s Interest Coverage Range Over the Past 10 Years
Min: N/A  Med: N/A Max: N/A
Current: N/A
WACC vs ROIC
12.40%
57.71%
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 % 23.77
UVE's Operating Margin % is ranked higher than
90% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.95 vs. UVE: 23.77 )
Ranked among companies with meaningful Operating Margin % only.
UVE' s Operating Margin % Range Over the Past 10 Years
Min: 14.93  Med: 28.99 Max: 47.5
Current: 23.77
14.93
47.5
Net Margin % 14.51
UVE's Net Margin % is ranked higher than
83% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.94 vs. UVE: 14.51 )
Ranked among companies with meaningful Net Margin % only.
UVE' s Net Margin % Range Over the Past 10 Years
Min: 8.9  Med: 17.45 Max: 28.65
Current: 14.51
8.9
28.65
ROE % 29.18
UVE's ROE % is ranked higher than
98% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.23 vs. UVE: 29.18 )
Ranked among companies with meaningful ROE % only.
UVE' s ROE % Range Over the Past 10 Years
Min: 13.88  Med: 32.35 Max: 114.14
Current: 29.18
13.88
114.14
ROA % 9.09
UVE's ROA % is ranked higher than
96% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.16 vs. UVE: 9.09 )
Ranked among companies with meaningful ROA % only.
UVE' s ROA % Range Over the Past 10 Years
Min: 2.37  Med: 7.06 Max: 11.18
Current: 9.09
2.37
11.18
3-Year Revenue Growth Rate 34.10
UVE's 3-Year Revenue Growth Rate is ranked higher than
96% of the 118 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 5.70 vs. UVE: 34.10 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
UVE' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0  Med: 9.1 Max: 158.1
Current: 34.1
0
158.1
3-Year EBITDA Growth Rate 20.10
UVE's 3-Year EBITDA Growth Rate is ranked higher than
86% of the 106 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -2.60 vs. UVE: 20.10 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
UVE' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: 11.5 Max: 716.1
Current: 20.1
0
716.1
3-Year EPS without NRI Growth Rate 21.40
UVE's 3-Year EPS without NRI Growth Rate is ranked higher than
87% of the 99 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -1.00 vs. UVE: 21.40 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
UVE' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: -11.4 Max: 71.3
Current: 21.4
0
71.3
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» UVE's 10-Y Financials

Financials (Next Earnings Date: 2017-05-24 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

UVE Guru Trades in Q1 2016

Steven Cohen 37,700 sh (New)
Chuck Royce 101,200 sh (unchged)
Jeremy Grantham Sold Out
Paul Tudor Jones 29,947 sh (-45.75%)
» More
Q2 2016

UVE Guru Trades in Q2 2016

David Dreman 143 sh (New)
Chuck Royce 101,200 sh (unchged)
Steven Cohen Sold Out
Paul Tudor Jones 23,366 sh (-21.98%)
» More
Q3 2016

UVE Guru Trades in Q3 2016

Chuck Royce 101,200 sh (unchged)
David Dreman 143 sh (unchged)
Paul Tudor Jones 22,656 sh (-3.04%)
» More
Q4 2016

UVE Guru Trades in Q4 2016

David Dreman 143 sh (unchged)
Chuck Royce 97,500 sh (-3.66%)
Paul Tudor Jones 20,912 sh (-7.70%)
» 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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Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty    NAICS: 524126    SIC: 6331
Compare:NAS:BWINB, NYSE:AXS » details
Traded in other countries:5UI.Germany,
Universal Insurance Holdings Inc is a vertically integrated insurance holding company, which through its various subsidiaries, covers insurance underwriting, distribution, claims processing and exposure management.

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.

Ratios

vs
industry
vs
history
PE Ratio 8.54
UVE's PE Ratio is ranked higher than
83% of the 139 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 15.40 vs. UVE: 8.54 )
Ranked among companies with meaningful PE Ratio only.
UVE' s PE Ratio Range Over the Past 10 Years
Min: 1.64  Med: 6.58 Max: 13.21
Current: 8.54
1.64
13.21
PE Ratio without NRI 8.54
UVE's PE Ratio without NRI is ranked higher than
84% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 16.25 vs. UVE: 8.54 )
Ranked among companies with meaningful PE Ratio without NRI only.
UVE' s PE Ratio without NRI Range Over the Past 10 Years
Min: 1.64  Med: 6.58 Max: 13.21
Current: 8.54
1.64
13.21
Price-to-Owner-Earnings 9.07
UVE's Price-to-Owner-Earnings is ranked higher than
63% of the 82 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.89 vs. UVE: 9.07 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
UVE' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 0.46  Med: 3.06 Max: 33.24
Current: 9.07
0.46
33.24
PB Ratio 2.24
UVE's PB Ratio is ranked lower than
87% of the 141 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.38 vs. UVE: 2.24 )
Ranked among companies with meaningful PB Ratio only.
UVE' s PB Ratio Range Over the Past 10 Years
Min: 0.69  Med: 1.9 Max: 9.08
Current: 2.24
0.69
9.08
PS Ratio 1.24
UVE's PS Ratio is ranked lower than
58% of the 134 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.07 vs. UVE: 1.24 )
Ranked among companies with meaningful PS Ratio only.
UVE' s PS Ratio Range Over the Past 10 Years
Min: 0.39  Med: 1.1 Max: 3.28
Current: 1.24
0.39
3.28
Price-to-Free-Cash-Flow 7.48
UVE's Price-to-Free-Cash-Flow is ranked higher than
70% of the 96 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.00 vs. UVE: 7.48 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
UVE' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 0.44  Med: 3.19 Max: 29.19
Current: 7.48
0.44
29.19
Price-to-Operating-Cash-Flow 6.97
UVE's Price-to-Operating-Cash-Flow is ranked higher than
73% of the 103 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.40 vs. UVE: 6.97 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
UVE' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 0.44  Med: 3.13 Max: 597.5
Current: 6.97
0.44
597.5
EV-to-EBIT 4.54
UVE's EV-to-EBIT is ranked higher than
93% of the 121 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.42 vs. UVE: 4.54 )
Ranked among companies with meaningful EV-to-EBIT only.
UVE' s EV-to-EBIT Range Over the Past 10 Years
Min: -6.6  Med: 0.3 Max: 6.4
Current: 4.54
-6.6
6.4
EV-to-EBITDA 4.54
UVE's EV-to-EBITDA is ranked higher than
90% of the 122 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.33 vs. UVE: 4.54 )
Ranked among companies with meaningful EV-to-EBITDA only.
UVE' s EV-to-EBITDA Range Over the Past 10 Years
Min: -6.4  Med: 0.3 Max: 6.4
Current: 4.54
-6.4
6.4
PEG Ratio 0.19
UVE's PEG Ratio is ranked higher than
96% of the 53 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.93 vs. UVE: 0.19 )
Ranked among companies with meaningful PEG Ratio only.
UVE' s PEG Ratio Range Over the Past 10 Years
Min: 0.03  Med: 0.22 Max: 3.35
Current: 0.19
0.03
3.35
Shiller PE Ratio 15.55
UVE's Shiller PE Ratio is ranked higher than
79% of the 58 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 19.68 vs. UVE: 15.55 )
Ranked among companies with meaningful Shiller PE Ratio only.
UVE' s Shiller PE Ratio Range Over the Past 10 Years
Min: 4.95  Med: 12.95 Max: 74.22
Current: 15.55
4.95
74.22

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.36
UVE's Dividend Yield % is ranked lower than
65% of the 189 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.74 vs. UVE: 2.36 )
Ranked among companies with meaningful Dividend Yield % only.
UVE' s Dividend Yield % Range Over the Past 10 Years
Min: 1.25  Med: 4.34 Max: 21.21
Current: 2.36
1.25
21.21
Dividend Payout Ratio 0.20
UVE's Dividend Payout Ratio is ranked higher than
79% of the 141 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.35 vs. UVE: 0.20 )
Ranked among companies with meaningful Dividend Payout Ratio only.
UVE' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.15  Med: 0.28 Max: 0.76
Current: 0.2
0.15
0.76
3-Year Dividend Growth Rate 20.50
UVE's 3-Year Dividend Growth Rate is ranked higher than
75% of the 80 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.20 vs. UVE: 20.50 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
UVE' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0 Max: 121
Current: 20.5
0
121
Forward Dividend Yield % 2.36
UVE's Forward Dividend Yield % is ranked lower than
65% of the 192 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.80 vs. UVE: 2.36 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 6.33
UVE's 5-Year Yield-on-Cost % is ranked higher than
70% of the 192 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.19 vs. UVE: 6.33 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
UVE' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 3.36  Med: 11.68 Max: 57.09
Current: 6.33
3.36
57.09
3-Year Average Share Buyback Ratio 0.30
UVE's 3-Year Average Share Buyback Ratio is ranked higher than
62% of the 80 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.30 vs. UVE: 0.30 )
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: -27.2  Med: 0.3 Max: 0
Current: 0.3
-27.2
0

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 2.24
UVE's Price-to-Tangible-Book is ranked lower than
75% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.55 vs. UVE: 2.24 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
UVE' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.29  Med: 1.63 Max: 4.82
Current: 2.24
0.29
4.82
Price-to-Intrinsic-Value-Projected-FCF 0.36
UVE's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
86% of the 92 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.83 vs. UVE: 0.36 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
UVE' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.12  Med: 0.33 Max: 0.58
Current: 0.36
0.12
0.58
Price-to-Median-PS-Value 1.12
UVE's Price-to-Median-PS-Value is ranked lower than
59% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.06 vs. UVE: 1.12 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
UVE' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.07  Med: 0.97 Max: 1.77
Current: 1.12
0.07
1.77
Price-to-Peter-Lynch-Fair-Value 0.34
UVE's Price-to-Peter-Lynch-Fair-Value is ranked higher than
87% of the 32 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.92 vs. UVE: 0.34 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
UVE' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.1  Med: 0.34 Max: 0.74
Current: 0.34
0.1
0.74
Price-to-Graham-Number 0.92
UVE's Price-to-Graham-Number is ranked higher than
61% of the 114 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.09 vs. UVE: 0.92 )
Ranked among companies with meaningful Price-to-Graham-Number only.
UVE' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.32  Med: 0.92 Max: 1.23
Current: 0.92
0.32
1.23
Earnings Yield (Greenblatt) % 22.03
UVE's Earnings Yield (Greenblatt) % is ranked higher than
93% of the 135 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.10 vs. UVE: 22.03 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
UVE' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 15.6  Med: 37.8 Max: 22497.5
Current: 22.03
15.6
22497.5
Forward Rate of Return (Yacktman) % 69.18
UVE's Forward Rate of Return (Yacktman) % is ranked higher than
94% of the 72 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.71 vs. UVE: 69.18 )
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: 10.8  Med: 36.2 Max: 174.6
Current: 69.18
10.8
174.6

More Statistics

Revenue (TTM) (Mil) $685.3
EPS (TTM) $ 2.78
Beta1.37
Short Percentage of Float16.16%
52-Week Range $16.32 - 29.20
Shares Outstanding (Mil)35.17
» More Articles for UVE

Headlines

Articles On GuruFocus.com
Undervalued Companies With Growing EPS Apr 04 2016 
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 

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