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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 4.73
UIHC's Cash-to-Debt is ranked higher than
50% of the 135 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.41 vs. UIHC: 4.73 )
Ranked among companies with meaningful Cash-to-Debt only.
UIHC' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.47  Med: 3.48 Max: No Debt
Current: 4.73
Equity-to-Asset 0.29
UIHC's Equity-to-Asset is ranked lower than
53% of the 136 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.27 vs. UIHC: 0.29 )
Ranked among companies with meaningful Equity-to-Asset only.
UIHC' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.12  Med: 0.24 Max: 0.66
Current: 0.29
0.12
0.66
Debt-to-Equity 0.10
UIHC's Debt-to-Equity is ranked higher than
59% of the 80 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.25 vs. UIHC: 0.10 )
Ranked among companies with meaningful Debt-to-Equity only.
UIHC' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.05  Med: 0.25 Max: 4.35
Current: 0.1
0.05
4.35
Interest Coverage 2.92
UIHC's Interest Coverage is ranked lower than
81% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 31.75 vs. UIHC: 2.92 )
Ranked among companies with meaningful Interest Coverage only.
UIHC' s Interest Coverage Range Over the Past 10 Years
Min: 1.99  Med: 24.07 Max: 156.91
Current: 2.92
1.99
156.91
Beneish M-Score: -1.97
WACC vs ROIC
10.88%
2.12%
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 : 5/10

vs
industry
vs
history
Operating Margin % 1.07
UIHC's Operating Margin % is ranked lower than
85% of the 136 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.66 vs. UIHC: 1.07 )
Ranked among companies with meaningful Operating Margin % only.
UIHC' s Operating Margin % Range Over the Past 10 Years
Min: -0.85  Med: 12.65 Max: 44.02
Current: 1.07
-0.85
44.02
Net Margin % 0.73
UIHC's Net Margin % is ranked lower than
87% of the 136 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.62 vs. UIHC: 0.73 )
Ranked among companies with meaningful Net Margin % only.
UIHC' s Net Margin % Range Over the Past 10 Years
Min: -1.16  Med: 8.02 Max: 35.21
Current: 0.73
-1.16
35.21
ROE % 1.32
UIHC's ROE % is ranked lower than
84% of the 136 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.79 vs. UIHC: 1.32 )
Ranked among companies with meaningful ROE % only.
UIHC' s ROE % Range Over the Past 10 Years
Min: -1.98  Med: 14.86 Max: 85.99
Current: 1.32
-1.98
85.99
ROA % 0.35
UIHC's ROA % is ranked lower than
84% of the 136 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.15 vs. UIHC: 0.35 )
Ranked among companies with meaningful ROA % only.
UIHC' s ROA % Range Over the Past 10 Years
Min: -0.4  Med: 3.85 Max: 16.35
Current: 0.35
-0.4
16.35
3-Year Revenue Growth Rate 20.60
UIHC's 3-Year Revenue Growth Rate is ranked higher than
88% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 5.70 vs. UIHC: 20.60 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
UIHC' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -7.5  Med: 13.7 Max: 20.6
Current: 20.6
-7.5
20.6
3-Year EBITDA Growth Rate -25.80
UIHC's 3-Year EBITDA Growth Rate is ranked lower than
92% of the 116 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -1.20 vs. UIHC: -25.80 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
UIHC' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -69  Med: 10.5 Max: 151
Current: -25.8
-69
151
3-Year EPS without NRI Growth Rate -40.90
UIHC's 3-Year EPS without NRI Growth Rate is ranked lower than
95% of the 109 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.90 vs. UIHC: -40.90 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
UIHC' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -40.9  Med: 12 Max: 38.6
Current: -40.9
-40.9
38.6
GuruFocus has detected 6 Warning Signs with United Insurance Holdings Corp $UIHC.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» UIHC's 30-Y Financials

Financials (Next Earnings Date: 2017-11-02 Est.)


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

» Details

Guru Trades

Q2 2016

UIHC Guru Trades in Q2 2016

Chuck Royce 13,000 sh (unchged)
Jim Simons 51,000 sh (-35.03%)
» More
Q3 2016

UIHC Guru Trades in Q3 2016

Jim Simons 92,600 sh (+81.57%)
Chuck Royce 13,000 sh (unchged)
» More
Q4 2016

UIHC Guru Trades in Q4 2016

Chuck Royce 69,891 sh (+437.62%)
Jim Simons 15,300 sh (-83.48%)
» More
Q1 2017

UIHC Guru Trades in Q1 2017

Jim Simons Sold Out
Chuck Royce Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with UIHC

(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:NMIH, NYSE:UVE, NAS:EMCI, NYSE:STC, NAS:SNC, NAS:KNSL, NAS:NODK, NYSE:HCI, NAS:IPCC, NAS:DGICB, NAS:STFC, NAS:BWINB, NYSE:HRTG, NAS:AMSF, NAS:SAFT, NAS:UFCS, NAS:AFH, NAS:HALL, NAS:FNHC, NYSE:MBI » details
Traded in other countries:0UI.Germany,
Headquarter Location:USA
United Insurance Holdings Corp along with its subsidiaries is engaged in the homeownersproperty and casualty insurance business in United States. The Company also offers reinsurance services.

United Insurance Holdings Corp. formerly known as FMG Acquisition Corp. was incorporated under the laws of the State of Delaware on May 22, 2007.The Company is engaged in the homeowner's property and casualty insurance business in the United States. UPC Insurance has been operating continuously in Florida since 1999, and has successfully managed its business through various hurricanes, tropical storms, and other weather related events. It plans to grow in the target markets by building a team of insurance professionals that can (i) provide agents and policyholders quality insurance products with world-class service and systems; (ii) raise and manage capital to support business growth; and (iii) build and maintain relationships with external partners.

Ratios

vs
industry
vs
history
PE Ratio 809.57
UIHC's PE Ratio is ranked lower than
94% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 15.50 vs. UIHC: 809.57 )
Ranked among companies with meaningful PE Ratio only.
UIHC' s PE Ratio Range Over the Past 10 Years
Min: 0.89  Med: 9.2 Max: 841.5
Current: 809.57
0.89
841.5
PE Ratio without NRI 809.57
UIHC's PE Ratio without NRI is ranked lower than
94% of the 125 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 15.50 vs. UIHC: 809.57 )
Ranked among companies with meaningful PE Ratio without NRI only.
UIHC' s PE Ratio without NRI Range Over the Past 10 Years
Min: 0.89  Med: 9.2 Max: 841.5
Current: 809.57
0.89
841.5
Price-to-Owner-Earnings 11.36
UIHC's Price-to-Owner-Earnings is ranked lower than
89% of the 83 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.45 vs. UIHC: 11.36 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
UIHC' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 1.25  Med: 3.53 Max: 41.2
Current: 11.36
1.25
41.2
PB Ratio 1.30
UIHC's PB Ratio is ranked lower than
52% of the 136 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.35 vs. UIHC: 1.30 )
Ranked among companies with meaningful PB Ratio only.
UIHC' s PB Ratio Range Over the Past 10 Years
Min: 0.46  Med: 1.17 Max: 3.63
Current: 1.3
0.46
3.63
PS Ratio 0.73
UIHC's PS Ratio is ranked higher than
74% of the 136 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.16 vs. UIHC: 0.73 )
Ranked among companies with meaningful PS Ratio only.
UIHC' s PS Ratio Range Over the Past 10 Years
Min: 0.28  Med: 0.6 Max: 2
Current: 0.73
0.28
2
Price-to-Free-Cash-Flow 9.21
UIHC's Price-to-Free-Cash-Flow is ranked lower than
76% of the 91 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.93 vs. UIHC: 9.21 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
UIHC' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 0.63  Med: 2.65 Max: 61.54
Current: 9.21
0.63
61.54
Price-to-Operating-Cash-Flow 8.57
UIHC's Price-to-Operating-Cash-Flow is ranked lower than
76% of the 96 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.55 vs. UIHC: 8.57 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
UIHC' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 0.61  Med: 2.6 Max: 41.24
Current: 8.57
0.61
41.24
EV-to-EBIT 60.73
UIHC's EV-to-EBIT is ranked lower than
97% of the 123 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.53 vs. UIHC: 60.73 )
Ranked among companies with meaningful EV-to-EBIT only.
UIHC' s EV-to-EBIT Range Over the Past 10 Years
Min: -61.9  Med: 2.7 Max: 62.6
Current: 60.73
-61.9
62.6
EV-to-EBITDA 17.02
UIHC's EV-to-EBITDA is ranked lower than
93% of the 123 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.69 vs. UIHC: 17.02 )
Ranked among companies with meaningful EV-to-EBITDA only.
UIHC' s EV-to-EBITDA Range Over the Past 10 Years
Min: -733.3  Med: 2.6 Max: 17.6
Current: 17.02
-733.3
17.6
EV-to-Revenue 0.87
UIHC's EV-to-Revenue is ranked lower than
55% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.05 vs. UIHC: 0.87 )
Ranked among companies with meaningful EV-to-Revenue only.
UIHC' s EV-to-Revenue Range Over the Past 10 Years
Min: -0.3  Med: 0.5 Max: 1.9
Current: 0.87
-0.3
1.9
Shiller PE Ratio 12.67
UIHC's Shiller PE Ratio is ranked lower than
99.99% of the 58 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 18.92 vs. UIHC: 12.67 )
Ranked among companies with meaningful Shiller PE Ratio only.
UIHC' s Shiller PE Ratio Range Over the Past 10 Years
Min: 11.11  Med: 12.6 Max: 13.25
Current: 12.67
11.11
13.25

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.48
UIHC's Dividend Yield % is ranked lower than
82% of the 209 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.64 vs. UIHC: 1.48 )
Ranked among companies with meaningful Dividend Yield % only.
UIHC' s Dividend Yield % Range Over the Past 10 Years
Min: 0.57  Med: 1.37 Max: 6.88
Current: 1.48
0.57
6.88
Dividend Payout Ratio 12.00
UIHC's Dividend Payout Ratio is ranked lower than
56% of the 137 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.37 vs. UIHC: 12.00 )
Ranked among companies with meaningful Dividend Payout Ratio only.
UIHC' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.07  Med: 0.1 Max: 12
Current: 12
0.07
12
3-Year Dividend Growth Rate 24.20
UIHC's 3-Year Dividend Growth Rate is ranked higher than
80% of the 81 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.20 vs. UIHC: 24.20 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
UIHC' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 24.2 Max: 47.4
Current: 24.2
0
47.4
Forward Dividend Yield % 1.51
UIHC's Forward Dividend Yield % is ranked lower than
81% of the 209 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.73 vs. UIHC: 1.51 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 6.79
UIHC's 5-Year Yield-on-Cost % is ranked higher than
67% of the 209 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 4.46 vs. UIHC: 6.79 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
UIHC' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.61  Med: 6.28 Max: 31.54
Current: 6.79
2.61
31.54
3-Year Average Share Buyback Ratio -10.10
UIHC's 3-Year Average Share Buyback Ratio is ranked lower than
84% of the 90 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.20 vs. UIHC: -10.10 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
UIHC' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -26.4  Med: -11.7 Max: 3.5
Current: -10.1
-26.4
3.5

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.70
UIHC's Price-to-Tangible-Book is ranked higher than
52% of the 130 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.55 vs. UIHC: 1.70 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
UIHC' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.47  Med: 1.27 Max: 3.51
Current: 1.7
0.47
3.51
Price-to-Intrinsic-Value-Projected-FCF 0.52
UIHC's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
90% of the 96 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.81 vs. UIHC: 0.52 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
UIHC' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.28  Med: 0.39 Max: 0.67
Current: 0.52
0.28
0.67
Price-to-Median-PS-Value 1.23
UIHC's Price-to-Median-PS-Value is ranked higher than
67% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.10 vs. UIHC: 1.23 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
UIHC' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.48  Med: 0.97 Max: 2.67
Current: 1.23
0.48
2.67
Price-to-Graham-Number 7.81
UIHC's Price-to-Graham-Number is ranked lower than
84% of the 116 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.06 vs. UIHC: 7.81 )
Ranked among companies with meaningful Price-to-Graham-Number only.
UIHC' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.16  Med: 0.71 Max: 7.83
Current: 7.81
0.16
7.83
Earnings Yield (Greenblatt) % 1.66
UIHC's Earnings Yield (Greenblatt) % is ranked lower than
88% of the 135 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.47 vs. UIHC: 1.66 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
UIHC' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -407.5  Med: 19.4 Max: 389.2
Current: 1.66
-407.5
389.2
Forward Rate of Return (Yacktman) % 17.53
UIHC's Forward Rate of Return (Yacktman) % is ranked higher than
63% of the 81 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 16.60 vs. UIHC: 17.53 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
UIHC' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 0.3  Med: 17 Max: 60.8
Current: 17.53
0.3
60.8

More Statistics

Revenue (TTM) (Mil) $559.34
EPS (TTM) $ 0.02
Beta1.51
Short Percentage of Float8.40%
52-Week Range $9.52 - 17.81
Shares Outstanding (Mil)42.74
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