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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 : 5/10

vs
industry
vs
history
Cash to Debt 5.73
UVE's Cash to Debt is ranked higher than
55% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.21 vs. UVE: 5.73 )
Ranked among companies with meaningful Cash to Debt only.
UVE' s 10-Year Cash to Debt Range
Min: 2.31  Med: 8.86 Max: No Debt
Current: 5.73
Equity to Asset 0.25
UVE's Equity to Asset is ranked lower than
58% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.27 vs. UVE: 0.25 )
Ranked among companies with meaningful Equity to Asset only.
UVE' s 10-Year Equity to Asset Range
Min: -1.67  Med: 0.17 Max: 0.46
Current: 0.25
-1.67
0.46
F-Score: 6
WACC vs ROIC
18.63%
176.58%
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 (%) 35.74
UVE's Operating margin (%) is ranked higher than
92% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.19 vs. UVE: 35.74 )
Ranked among companies with meaningful Operating margin (%) only.
UVE' s 10-Year Operating margin (%) Range
Min: -4.35  Med: 25.96 Max: 47.5
Current: 35.74
-4.35
47.5
Net-margin (%) 20.50
UVE's Net-margin (%) is ranked higher than
86% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.39 vs. UVE: 20.50 )
Ranked among companies with meaningful Net-margin (%) only.
UVE' s 10-Year Net-margin (%) Range
Min: -2400  Med: 11.23 Max: 33.09
Current: 20.5
-2400
33.09
ROE (%) 41.72
UVE's ROE (%) is ranked higher than
98% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.91 vs. UVE: 41.72 )
Ranked among companies with meaningful ROE (%) only.
UVE' s 10-Year ROE (%) Range
Min: -2400  Med: 23.07 Max: 114.14
Current: 41.72
-2400
114.14
ROA (%) 8.75
UVE's ROA (%) is ranked higher than
91% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.87 vs. UVE: 8.75 )
Ranked among companies with meaningful ROA (%) only.
UVE' s 10-Year ROA (%) Range
Min: -160  Med: 3.87 Max: 11.1
Current: 8.75
-160
11.1
ROC (Joel Greenblatt) (%) 1048.92
UVE's ROC (Joel Greenblatt) (%) is ranked higher than
81% of the 103 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 252.27 vs. UVE: 1048.92 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
UVE' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -22.29  Med: 961.49 Max: 7595.74
Current: 1048.92
-22.29
7595.74
Revenue Growth (3Y)(%) 23.50
UVE's Revenue Growth (3Y)(%) is ranked higher than
93% 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 10-Year Revenue Growth (3Y)(%) Range
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
87% of the 85 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 17.30 vs. UVE: 62.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
UVE' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: -15.10 Max: 111.8
Current: 62.7
0
111.8
EPS Growth (3Y)(%) 60.80
UVE's EPS Growth (3Y)(%) is ranked higher than
82% of the 76 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 16.40 vs. UVE: 60.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
UVE' s 10-Year EPS Growth (3Y)(%) Range
Min: 0  Med: -15.90 Max: 70.4
Current: 60.8
0
70.4
» UVE's 10-Y Financials

Financials


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

» Details

Guru Trades

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
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
» 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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Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 10.85
UVE's P/E(ttm) is ranked higher than
70% of the 111 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.30 vs. UVE: 10.85 )
Ranked among companies with meaningful P/E(ttm) only.
UVE' s 10-Year P/E(ttm) Range
Min: 0.44  Med: 6.25 Max: 12.01
Current: 10.85
0.44
12.01
PE(NRI) 10.60
UVE's PE(NRI) is ranked higher than
67% of the 110 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.30 vs. UVE: 10.60 )
Ranked among companies with meaningful PE(NRI) only.
UVE' s 10-Year PE(NRI) Range
Min: 0.44  Med: 6.22 Max: 12.03
Current: 10.6
0.44
12.03
P/B 3.73
UVE's P/B is ranked lower than
95% of the 123 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.26 vs. UVE: 3.73 )
Ranked among companies with meaningful P/B only.
UVE' s 10-Year P/B Range
Min: 0.26  Med: 1.60 Max: 9.08
Current: 3.73
0.26
9.08
P/S 2.22
UVE's P/S is ranked lower than
80% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.13 vs. UVE: 2.22 )
Ranked among companies with meaningful P/S only.
UVE' s 10-Year P/S Range
Min: 0.12  Med: 0.98 Max: 3.3
Current: 2.22
0.12
3.3
PFCF 6.47
UVE's PFCF is ranked higher than
74% of the 86 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.05 vs. UVE: 6.47 )
Ranked among companies with meaningful PFCF only.
UVE' s 10-Year PFCF Range
Min: 0.05  Med: 2.36 Max: 25.64
Current: 6.47
0.05
25.64
POCF 5.78
UVE's POCF is ranked higher than
80% of the 105 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.17 vs. UVE: 5.78 )
Ranked among companies with meaningful POCF only.
UVE' s 10-Year POCF Range
Min: 0.04  Med: 2.55 Max: 99999999.99
Current: 5.78
0.04
99999999.99
EV-to-EBIT 4.85
UVE's EV-to-EBIT is ranked higher than
83% of the 111 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.35 vs. UVE: 4.85 )
Ranked among companies with meaningful EV-to-EBIT only.
UVE' s 10-Year EV-to-EBIT Range
Min: -21.7  Med: -0.60 Max: 79
Current: 4.85
-21.7
79
PEG 0.42
UVE's PEG is ranked higher than
73% of the 52 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.74 vs. UVE: 0.42 )
Ranked among companies with meaningful PEG only.
UVE' s 10-Year PEG Range
Min: 0.03  Med: 0.34 Max: 2.04
Current: 0.42
0.03
2.04
Shiller P/E 21.68
UVE's Shiller P/E is ranked lower than
70% of the 94 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 17.59 vs. UVE: 21.68 )
Ranked among companies with meaningful Shiller P/E only.
UVE' s 10-Year Shiller P/E Range
Min: 3.24  Med: 7.56 Max: 181.5
Current: 21.68
3.24
181.5
Days Sales Outstanding 53.38
UVE's Days Sales Outstanding is ranked higher than
72% of the 78 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 86.93 vs. UVE: 53.38 )
Ranked among companies with meaningful Days Sales Outstanding only.
UVE' s 10-Year Days Sales Outstanding Range
Min: 30.25  Med: 89.94 Max: 4049.82
Current: 53.38
30.25
4049.82

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.75
UVE's Dividend Yield is ranked lower than
93% of the 174 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.95 vs. UVE: 1.75 )
Ranked among companies with meaningful Dividend Yield only.
UVE' s 10-Year Dividend Yield Range
Min: 0.72  Med: 5.38 Max: 21.18
Current: 1.75
0.72
21.18
Dividend Payout 0.18
UVE's Dividend Payout is ranked higher than
78% of the 124 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.33 vs. UVE: 0.18 )
Ranked among companies with meaningful Dividend Payout only.
UVE' s 10-Year Dividend Payout Range
Min: 0.16  Med: 0.32 Max: 4
Current: 0.18
0.16
4
Dividend growth (3y) 30.50
UVE's Dividend growth (3y) is ranked higher than
87% 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 10-Year Dividend growth (3y) Range
Min: 0  Med: 0.00 Max: 103.3
Current: 30.5
0
103.3
Yield on cost (5-Year) 1.85
UVE's Yield on cost (5-Year) is ranked lower than
99% of the 175 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.46 vs. UVE: 1.85 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
UVE' s 10-Year Yield on cost (5-Year) Range
Min: 0.76  Med: 5.68 Max: 22.37
Current: 1.85
0.76
22.37
Share Buyback Rate 4.60
UVE's Share Buyback Rate is ranked higher than
80% of the 89 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.10 vs. UVE: 4.60 )
Ranked among companies with meaningful Share Buyback Rate only.
UVE' s 10-Year Share Buyback Rate Range
Min: 0  Med: -0.65 Max: -28
Current: 4.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 3.71
UVE's Price/Tangible Book is ranked lower than
89% of the 121 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.41 vs. UVE: 3.71 )
Ranked among companies with meaningful Price/Tangible Book only.
UVE' s 10-Year Price/Tangible Book Range
Min: 0.13  Med: 1.32 Max: 6.15
Current: 3.71
0.13
6.15
Price/Projected FCF 0.64
UVE's Price/Projected FCF is ranked higher than
63% of the 91 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.74 vs. UVE: 0.64 )
Ranked among companies with meaningful Price/Projected FCF only.
UVE' s 10-Year Price/Projected FCF Range
Min: 0.05  Med: 0.23 Max: 0.73
Current: 0.64
0.05
0.73
Price/Median PS Value 2.28
UVE's Price/Median PS Value is ranked lower than
98% of the 125 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.07 vs. UVE: 2.28 )
Ranked among companies with meaningful Price/Median PS Value only.
UVE' s 10-Year Price/Median PS Value Range
Min: 0.04  Med: 0.83 Max: 5.08
Current: 2.28
0.04
5.08
Price/Peter Lynch Fair Value 0.44
UVE's Price/Peter Lynch Fair Value is ranked higher than
80% of the 41 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.67 vs. UVE: 0.44 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
UVE' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.1  Med: 0.26 Max: 1.1
Current: 0.44
0.1
1.1
Price/Graham Number 1.34
UVE's Price/Graham Number is ranked lower than
78% of the 109 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.86 vs. UVE: 1.34 )
Ranked among companies with meaningful Price/Graham Number only.
UVE' s 10-Year Price/Graham Number Range
Min: 0.06  Med: 0.60 Max: 1.47
Current: 1.34
0.06
1.47
Earnings Yield (Greenblatt) (%) 19.77
UVE's Earnings Yield (Greenblatt) (%) is ranked higher than
85% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.30 vs. UVE: 19.77 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
UVE' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 1.3  Med: 45.10 Max: 22497.5
Current: 19.77
1.3
22497.5
Forward Rate of Return (Yacktman) (%) 41.70
UVE's Forward Rate of Return (Yacktman) (%) is ranked higher than
77% of the 81 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 15.24 vs. UVE: 41.70 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
UVE' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -305  Med: 29.55 Max: 191.6
Current: 41.7
-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

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 
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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