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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 16.59
UVE's Cash-to-Debt is ranked higher than
58% of the 130 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 4.19 vs. UVE: 16.59 )
Ranked among companies with meaningful Cash-to-Debt only.
UVE' s Cash-to-Debt Range Over the Past 10 Years
Min: 2.31  Med: 8.24 Max: No Debt
Current: 16.59
2.31
No Debt
Equity-to-Asset 0.30
UVE's Equity-to-Asset is ranked lower than
58% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.25 vs. UVE: 0.30 )
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: 0.3
-1.67
0.64
Debt-to-Equity 0.03
UVE's Debt-to-Equity is ranked higher than
92% of the 78 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.24 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: 0.25 Max: 1.7
Current: 0.03
0.03
1.7
Debt-to-EBITDA 0.08
UVE's Debt-to-EBITDA is ranked higher than
97% of the 72 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.62 vs. UVE: 0.08 )
Ranked among companies with meaningful Debt-to-EBITDA only.
UVE' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.08  Med: 0.49 Max: 1.37
Current: 0.08
0.08
1.37
Interest Coverage 1072.23
UVE's Interest Coverage is ranked higher than
58% of the 117 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 32.41 vs. UVE: 1072.23 )
Ranked among companies with meaningful Interest Coverage only.
UVE' s Interest Coverage Range Over the Past 10 Years
Min: 0  Med: 0 Max: 1072.23
Current: 1072.23
0
1072.23
WACC vs ROIC
9.95%
52.99%
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 : 6/10

vs
industry
vs
history
Operating Margin % 22.67
UVE's Operating Margin % is ranked higher than
82% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.89 vs. UVE: 22.67 )
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: 22.67
14.93
47.5
Net Margin % 14.22
UVE's Net Margin % is ranked higher than
75% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.47 vs. UVE: 14.22 )
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: 14.22
8.9
28.65
ROE % 26.06
UVE's ROE % is ranked higher than
95% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.09 vs. UVE: 26.06 )
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: 26.06
13.88
114.14
ROA % 7.86
UVE's ROA % is ranked higher than
92% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.15 vs. UVE: 7.86 )
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: 7.86
2.37
11.18
3-Year Revenue Growth Rate 34.10
UVE's 3-Year Revenue Growth Rate is ranked higher than
94% of the 125 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.90 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: 7.85 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
83% of the 115 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -1.00 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: -10.6 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
84% of the 110 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.20 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: -37 Max: 71.3
Current: 21.4
0
71.3
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: 2018-04-25)


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

» Details

Guru Trades

Q1 2017

UVE Guru Trades in Q1 2017

Paul Tudor Jones 24,118 sh (+15.33%)
Chuck Royce 97,500 sh (unchged)
David Dreman Sold Out
» More
Q2 2017

UVE Guru Trades in Q2 2017

Chuck Royce 97,500 sh (unchged)
Paul Tudor Jones 13,098 sh (-45.69%)
» More
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

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

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
David Dreman 2017-03-31 Sold Out $23.35 - $29.1 $ 30.8518%0
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
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Peter Lynch Chart ( What is Peter Lynch Charts )

Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty    NAICS: 524126    SIC: 6331
Compare:NAS:KNSL, MEX:Q, NYSE:STC, NAS:UFCS, NAS:JRVR, XKRX:000370, BKK:BKI-F, NAS:IPCC, NAS:SNC, NAS:NMIH, NAS:AMSF, NAS:UIHC, NAS:SAFT, NAS:STFC, NAS:GBLI, NYSE:MBI, NAS:EMCI, NAS:NAVG, TSE:8715, NAS:DGICB » 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 vertically integrated insurance holding company, which through its various subsidiaries, covers insurance underwriting, distribution, claims processing and exposure management.

Top Ranked Articles about Universal Insurance Holdings Inc

Universal Insurance Holdings, Inc. Announces Fourth Quarter 2017 Earnings Release and Conference Call Date
Universal Insurance Holdings, Inc. Announces Quarterly Dividend of $0.14 Per Share
6 Stocks Trading Below Peter Lynch Value AECOM, Bofl among undervalued companies
Several gurus are focusing on stocks whose Peter Lynch fair values are far above the current prices, according to the GuruFocus All-in-One Screener. The following stocks are trading with wide margins of safety and have positive performance over the past 12 months. Read more...
Universal Insurance Holdings, Inc. Declares Cash Dividend of $0.27 Per Share
Universal Insurance Holdings, Inc. Announces Third Quarter 2017 Earnings Release and Conference Call Date
Universal Insurance Holdings, Inc. Subsidiary UPCIC Writes First Homeowners Insurance Policy and Launches Universal Direct in New York
Universal Insurance Holdings, Inc. Announces Impact from Recent Hurricanes
Universal Property & Casualty Insurance Company Discusses Hurricane Irma Response
Universal Insurance Holdings, Inc. Highlights Strength of Reinsurance Program
Universal Insurance Holdings, Inc. Announces Quarterly Dividend of $0.14 Per Share

Ratios

vs
industry
vs
history
PE Ratio 10.30
UVE's PE Ratio is ranked higher than
68% of the 109 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 16.22 vs. UVE: 10.30 )
Ranked among companies with meaningful PE Ratio only.
UVE' s PE Ratio Range Over the Past 10 Years
Min: 1.64  Med: 6.84 Max: 13.29
Current: 10.3
1.64
13.29
PE Ratio without NRI 10.30
UVE's PE Ratio without NRI is ranked higher than
69% of the 111 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 16.28 vs. UVE: 10.30 )
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: 6.84 Max: 13.29
Current: 10.3
1.64
13.29
Price-to-Owner-Earnings 14.09
UVE's Price-to-Owner-Earnings is ranked lower than
61% of the 84 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.38 vs. UVE: 14.09 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
UVE' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 0.94  Med: 3.58 Max: 33.24
Current: 14.09
0.94
33.24
PB Ratio 2.49
UVE's PB Ratio is ranked lower than
82% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.35 vs. UVE: 2.49 )
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: 7.7
Current: 2.49
0.69
7.7
PS Ratio 1.51
UVE's PS Ratio is ranked lower than
66% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.15 vs. UVE: 1.51 )
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: 1.51
0.39
2.66
Price-to-Free-Cash-Flow 4.98
UVE's Price-to-Free-Cash-Flow is ranked higher than
88% of the 85 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.83 vs. UVE: 4.98 )
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: 0.73  Med: 3.7 Max: 1195
Current: 4.98
0.73
1195
Price-to-Operating-Cash-Flow 4.85
UVE's Price-to-Operating-Cash-Flow is ranked higher than
88% of the 95 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.73 vs. UVE: 4.85 )
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: 0.73  Med: 3.61 Max: 286.8
Current: 4.85
0.73
286.8
EV-to-EBIT 4.21
UVE's EV-to-EBIT is ranked higher than
85% of the 110 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.85 vs. UVE: 4.21 )
Ranked among companies with meaningful EV-to-EBIT only.
UVE' s EV-to-EBIT Range Over the Past 10 Years
Min: -6.6  Med: 1.4 Max: 6.4
Current: 4.21
-6.6
6.4
EV-to-EBITDA 4.21
UVE's EV-to-EBITDA is ranked higher than
84% of the 113 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.36 vs. UVE: 4.21 )
Ranked among companies with meaningful EV-to-EBITDA only.
UVE' s EV-to-EBITDA Range Over the Past 10 Years
Min: -6.4  Med: 1.4 Max: 6.4
Current: 4.21
-6.4
6.4
EV-to-Revenue 0.95
UVE's EV-to-Revenue is ranked higher than
56% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.99 vs. UVE: 0.95 )
Ranked among companies with meaningful EV-to-Revenue only.
UVE' s EV-to-Revenue Range Over the Past 10 Years
Min: -1  Med: 0.5 Max: 2.2
Current: 0.95
-1
2.2
PEG Ratio 0.30
UVE's PEG Ratio is ranked higher than
92% of the 51 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.09 vs. UVE: 0.30 )
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: 3.41
Current: 0.3
0.03
3.41
Shiller PE Ratio 18.91
UVE's Shiller PE Ratio is ranked higher than
61% of the 67 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 19.68 vs. UVE: 18.91 )
Ranked among companies with meaningful Shiller PE Ratio only.
UVE' s Shiller PE Ratio Range Over the Past 10 Years
Min: 4.95  Med: 13.33 Max: 74.22
Current: 18.91
4.95
74.22

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.80
UVE's Dividend Yield % is ranked lower than
74% of the 191 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.81 vs. UVE: 1.80 )
Ranked among companies with meaningful Dividend Yield % only.
UVE' s Dividend Yield % Range Over the Past 10 Years
Min: 1.27  Med: 4.1 Max: 21.21
Current: 1.8
1.27
21.21
Dividend Payout Ratio 0.24
UVE's Dividend Payout Ratio is ranked higher than
81% of the 135 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.32 vs. UVE: 0.24 )
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: 0.24
0.15
0.76
3-Year Dividend Growth Rate 20.50
UVE's 3-Year Dividend Growth Rate is ranked higher than
73% of the 79 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.70 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 % 1.80
UVE's Forward Dividend Yield % is ranked lower than
78% of the 188 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.80 vs. UVE: 1.80 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 4.84
UVE's 5-Year Yield-on-Cost % is ranked higher than
55% of the 192 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 4.78 vs. UVE: 4.84 )
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: 3.42  Med: 11.04 Max: 57.09
Current: 4.84
3.42
57.09
3-Year Average Share Buyback Ratio 0.30
UVE's 3-Year Average Share Buyback Ratio is ranked higher than
67% of the 86 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.60 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: 0.55 Max: 0
Current: 0.3
-27.2
0

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 2.50
UVE's Price-to-Tangible-Book is ranked lower than
76% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.58 vs. UVE: 2.50 )
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: 1.42 Max: 6.15
Current: 2.5
0.13
6.15
Price-to-Intrinsic-Value-Projected-FCF 0.39
UVE's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
87% of the 87 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.82 vs. UVE: 0.39 )
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: 0.28 Max: 0.7
Current: 0.39
0.04
0.7
Price-to-Median-PS-Value 1.39
UVE's Price-to-Median-PS-Value is ranked lower than
72% of the 115 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.09 vs. UVE: 1.39 )
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: 0.78 Max: 4.76
Current: 1.39
0.04
4.76
Price-to-Peter-Lynch-Fair-Value 0.53
UVE's Price-to-Peter-Lynch-Fair-Value is ranked higher than
83% of the 30 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9999.00 vs. UVE: 0.53 )
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: 0.31 Max: 1.1
Current: 0.53
0.1
1.1
Price-to-Graham-Number 1.07
UVE's Price-to-Graham-Number is ranked higher than
51% of the 102 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.20 vs. UVE: 1.07 )
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: 0.71 Max: 1.45
Current: 1.07
0.05
1.45
Earnings Yield (Greenblatt) % 23.74
UVE's Earnings Yield (Greenblatt) % is ranked higher than
87% of the 130 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.40 vs. UVE: 23.74 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
UVE' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -3089.7  Med: 22.8 Max: 22497.5
Current: 23.74
-3089.7
22497.5
Forward Rate of Return (Yacktman) % 46.79
UVE's Forward Rate of Return (Yacktman) % is ranked higher than
88% of the 83 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.80 vs. UVE: 46.79 )
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: 11  Med: 40.65 Max: 174.6
Current: 46.79
11
174.6

More Statistics

Revenue (TTM) (Mil) $751.92
EPS (TTM) $ 2.99
Beta1.21
Short Percentage of Float10.18%
52-Week Range $15.08 - 31.80
Shares Outstanding (Mil)34.74

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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