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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 : 5/10

vs
industry
vs
history
Cash-to-Debt 25.64
UVE's Cash-to-Debt is ranked higher than
61% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.82 vs. UVE: 25.64 )
Ranked among companies with meaningful Cash-to-Debt only.
UVE' s Cash-to-Debt Range Over the Past 10 Years
Min: 2.3  Med: 8.36 Max: No Debt
Current: 25.64
2.3
No Debt
Equity-to-Asset 0.29
UVE's Equity-to-Asset is ranked higher than
62% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.25 vs. UVE: 0.29 )
Ranked among companies with meaningful Equity-to-Asset only.
UVE' s Equity-to-Asset Range Over the Past 10 Years
Min: -1.67  Med: 0.18 Max: 0.64
Current: 0.29
-1.67
0.64
Debt-to-Equity 0.03
UVE's Debt-to-Equity is ranked higher than
92% of the 83 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9999.00 vs. UVE: 0.03 )
Ranked among companies with meaningful Debt-to-Equity only.
UVE' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.03  Med: 0.21 Max: 1.7
Current: 0.03
0.03
1.7
Debt-to-EBITDA 0.20
UVE's Debt-to-EBITDA is ranked higher than
96% of the 78 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.62 vs. UVE: 0.20 )
Ranked among companies with meaningful Debt-to-EBITDA only.
UVE' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0  Med: 0 Max: 0.2
Current: 0.2
0
0.2
WACC vs ROIC
9.23%
23.94%
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 : 4/10

vs
industry
vs
history
Net Margin % 16.71
UVE's Net Margin % is ranked higher than
83% of the 133 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.25 vs. UVE: 16.71 )
Ranked among companies with meaningful Net Margin % only.
UVE' s Net Margin % Range Over the Past 10 Years
Min: 8.9  Med: 14.96 Max: 21.92
Current: 16.71
8.9
21.92
ROE % 29.59
UVE's ROE % is ranked higher than
95% of the 133 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.75 vs. UVE: 29.59 )
Ranked among companies with meaningful ROE % only.
UVE' s ROE % Range Over the Past 10 Years
Min: 13.88  Med: 29.58 Max: 45.99
Current: 29.59
13.88
45.99
ROA % 8.62
UVE's ROA % is ranked higher than
95% of the 133 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.09 vs. UVE: 8.62 )
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: 8.62
2.37
11.18
3-Year Revenue Growth Rate 26.00
UVE's 3-Year Revenue Growth Rate is ranked higher than
92% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.30 vs. UVE: 26.00 )
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: -55.8  Med: 26 Max: 334.2
Current: 26
-55.8
334.2
3-Year EPS without NRI Growth Rate 12.90
UVE's 3-Year EPS without NRI Growth Rate is ranked higher than
74% of the 106 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.50 vs. UVE: 12.90 )
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: 73.4
Current: 12.9
0
73.4
GuruFocus has detected 5 Warning Signs with Universal Insurance Holdings Inc UVE.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» UVE's 30-Y Financials

Financials (Next Earnings Date: 2018-11-09)


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

» Details

Guru Trades

Q3 2017

UVE Guru Trades in Q3 2017

Jim Simons 16,000 sh (New)
Paul Tudor Jones Sold Out
Chuck Royce 93,857 sh (-3.74%)
» More
Q4 2017

UVE Guru Trades in Q4 2017

Pioneer Investments 87,922 sh (New)
Paul Tudor Jones 13,855 sh (New)
Jim Simons 68,300 sh (+326.88%)
Chuck Royce 90,586 sh (-3.49%)
» More
Q1 2018

UVE Guru Trades in Q1 2018

Pioneer Investments 133,091 sh (+51.37%)
Paul Tudor Jones Sold Out
Chuck Royce 90,470 sh (-0.13%)
Jim Simons 24,200 sh (-64.57%)
» More
Q2 2018

UVE Guru Trades in Q2 2018

Chuck Royce 90,701 sh (+0.26%)
Jim Simons Sold Out
Pioneer Investments 84,596 sh (-36.44%)
» 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:AMSF, NAS:JRVR, NAS:KNSL, BKK:BKI, MEX:Q, NAS:SAFT, NAS:UFCS, NYSE:STC, NAS:STFC, NAS:IPCC, NAS:NMIH, NAS:UIHC, XKRX:000370, NYSE:MBI, NAS:NAVG, NAS:AGII, OCSE:ALMB, TSE:8715, NAS:GBLI, NAS:EMCI » details
Traded in other countries:5UI.Germany,
Headquarter Location:USA
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 is a provider of personal residential homeowners insurance products and services. The company performs insurance underwriting, policy issuance, general administration, claims processing, and internal settlement. Universal Insurance Holdings underwrites most insurance policies in Florida, with a smaller footprint in other states within the United States of America. The company markets and distributes its products through a network of independent agents.

Top Ranked Articles about Universal Insurance Holdings Inc

Universal Insurance Holdings, Inc. Announces the Addition of Darryl Lewis as Chief Legal Officer
New Research Coverage Highlights Universal Insurance Holdings, Harmony Gold Mining Company, Schweitzer-Mauduit International, U.S. Concrete, IPG Photonics, and Grupo Financiero Galicia S.A — Consolidated Revenues, Company Growth, and Expectations for 20
Universal Insurance Holdings, Inc. Insurance Subsidiaries Complete 2018-2019 Reinsurance Programs
Universal Insurance Holdings, Inc. Announces Increased Quarterly Dividend of $0.16 Per Share
Universal Insurance Holdings, Inc. Reports First Quarter 2018 Results
Universal Insurance Holdings, Inc. Announces First Quarter 2018 Earnings Release and Conference Call Date
Universal Insurance Holdings, Inc. Announces Quarterly Dividend of $0.14 Per Share
Factors of Influence in 2018, Key Indicators and Opportunity within UNIVERSAL INSURANCE HOLDINGS INC, Sumitomo Mitsui Financial Group, Capella Education, Turning Point Brands, JD, and 21Vianet Group — New Research Emphasizes Economic Growth
5 Companies Growing Revenue and Earnings AutoNation, Berkshire Hathaway on the list
According to the GuruFocus All-In-One Screener, the following companies have grown their revenues and earnings over the past several years. Read more...
Universal Insurance Holdings, Inc. Subsidiary UPCIC Writes First Homeowners Insurance Policy and Launches Universal Direct in New Hampshire

Ratios

vs
industry
vs
history
PE Ratio 13.35
UVE's PE Ratio is ranked higher than
73% of the 112 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 17.27 vs. UVE: 13.35 )
Ranked among companies with meaningful PE Ratio only.
UVE' s PE Ratio Range Over the Past 10 Years
Min: 1.64  Med: 7.16 Max: 13.25
Current: 13.35
1.64
13.25
PE Ratio without NRI 13.35
UVE's PE Ratio without NRI is ranked higher than
74% of the 112 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 17.60 vs. UVE: 13.35 )
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: 7.16 Max: 13.25
Current: 13.35
1.64
13.25
Price-to-Owner-Earnings 14.06
UVE's Price-to-Owner-Earnings is ranked higher than
50% of the 84 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.52 vs. UVE: 14.06 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
UVE' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 1.03  Med: 4.29 Max: 33.24
Current: 14.06
1.03
33.24
PB Ratio 3.53
UVE's PB Ratio is ranked lower than
83% of the 133 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.43 vs. UVE: 3.53 )
Ranked among companies with meaningful PB Ratio only.
UVE' s PB Ratio Range Over the Past 10 Years
Min: 0.69  Med: 1.87 Max: 5.53
Current: 3.53
0.69
5.53
PS Ratio 2.24
UVE's PS Ratio is ranked lower than
67% of the 133 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.22 vs. UVE: 2.24 )
Ranked among companies with meaningful PS Ratio only.
UVE' s PS Ratio Range Over the Past 10 Years
Min: 0.39  Med: 1.09 Max: 2.66
Current: 2.24
0.39
2.66
Price-to-Free-Cash-Flow 6.91
UVE's Price-to-Free-Cash-Flow is ranked higher than
85% of the 88 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.17 vs. UVE: 6.91 )
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: 0.92  Med: 4.05 Max: 1195
Current: 6.91
0.92
1195
Price-to-Operating-Cash-Flow 6.76
UVE's Price-to-Operating-Cash-Flow is ranked higher than
86% of the 98 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.59 vs. UVE: 6.76 )
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: 0.91  Med: 3.89 Max: 286.8
Current: 6.76
0.91
286.8
EV-to-EBIT 23.38
UVE's EV-to-EBIT is ranked higher than
84% of the 113 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.73 vs. UVE: 23.38 )
Ranked among companies with meaningful EV-to-EBIT only.
UVE' s EV-to-EBIT Range Over the Past 10 Years
Min: 5.9  Med: 15.8 Max: 23.18
Current: 23.38
5.9
23.18
EV-to-EBITDA 23.38
UVE's EV-to-EBITDA is ranked higher than
84% of the 116 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.20 vs. UVE: 23.38 )
Ranked among companies with meaningful EV-to-EBITDA only.
UVE' s EV-to-EBITDA Range Over the Past 10 Years
Min: 5.9  Med: 15.8 Max: 23.18
Current: 23.38
5.9
23.18
EV-to-Revenue 1.82
UVE's EV-to-Revenue is ranked lower than
52% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.19 vs. UVE: 1.82 )
Ranked among companies with meaningful EV-to-Revenue only.
UVE' s EV-to-Revenue Range Over the Past 10 Years
Min: -1  Med: 0.6 Max: 2.2
Current: 1.82
-1
2.2
Shiller PE Ratio 25.98
UVE's Shiller PE Ratio is ranked higher than
62% of the 69 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 20.40 vs. UVE: 25.98 )
Ranked among companies with meaningful Shiller PE Ratio only.
UVE' s Shiller PE Ratio Range Over the Past 10 Years
Min: 5.03  Med: 13.3 Max: 45.55
Current: 25.98
5.03
45.55

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.17
UVE's Dividend Yield % is ranked lower than
79% of the 194 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.98 vs. UVE: 1.17 )
Ranked among companies with meaningful Dividend Yield % only.
UVE' s Dividend Yield % Range Over the Past 10 Years
Min: 1.18  Med: 4.1 Max: 21.21
Current: 1.17
1.18
21.21
Dividend Payout Ratio 0.19
UVE's Dividend Payout Ratio is ranked higher than
86% of the 134 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.32 vs. UVE: 0.19 )
Ranked among companies with meaningful Dividend Payout Ratio only.
UVE' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.16  Med: 0.28 Max: 0.76
Current: 0.19
0.16
0.76
3-Year Dividend Growth Rate 11.90
UVE's 3-Year Dividend Growth Rate is ranked higher than
71% of the 79 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.60 vs. UVE: 11.90 )
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: 11.9
0
121
Forward Dividend Yield % 1.30
UVE's Forward Dividend Yield % is ranked lower than
87% of the 192 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.17 vs. UVE: 1.30 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 2.20
UVE's 5-Year Yield-on-Cost % is ranked lower than
74% of the 193 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 4.91 vs. UVE: 2.20 )
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: 2.2  Med: 7.65 Max: 39.6
Current: 2.2
2.2
39.6
3-Year Average Share Buyback Ratio -0.60
UVE's 3-Year Average Share Buyback Ratio is ranked lower than
54% of the 87 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.40 vs. UVE: -0.60 )
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 Max: 4.9
Current: -0.6
-27.2
4.9

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 3.54
UVE's Price-to-Tangible-Book is ranked lower than
79% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.70 vs. UVE: 3.54 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
UVE' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.13  Med: 1.6 Max: 92.06
Current: 3.54
0.13
92.06
Price-to-Intrinsic-Value-Projected-FCF 0.61
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: 0.84 vs. UVE: 0.61 )
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: 0.04  Med: 0.3 Max: 0.7
Current: 0.61
0.04
0.7
Price-to-Median-PS-Value 2.03
UVE's Price-to-Median-PS-Value is ranked lower than
73% of the 119 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.18 vs. UVE: 2.03 )
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: 0.04  Med: 0.98 Max: 188
Current: 2.03
0.04
188
Price-to-Graham-Number 1.44
UVE's Price-to-Graham-Number is ranked higher than
54% of the 100 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.17 vs. UVE: 1.44 )
Ranked among companies with meaningful Price-to-Graham-Number only.
UVE' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.05  Med: 0.83 Max: 1.45
Current: 1.44
0.05
1.45
Earnings Yield (Greenblatt) % 4.27
UVE's Earnings Yield (Greenblatt) % is ranked higher than
86% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.78 vs. UVE: 4.27 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
UVE' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 4.3  Med: 6.3 Max: 17
Current: 4.27
4.3
17

More Statistics

Revenue (TTM) (Mil) $792.84
EPS (TTM) $ 3.72
Beta1.04
Volatility25.94%
52-Week Range $21.10 - 49.38
Shares Outstanding (Mil)34.87

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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