NYSE:UVE (USA) Also trade in: Germany

Universal Insurance Holdings Inc

$ 28.41 0 (0%)
Volume: 264,697 Avg Vol (1m): 254,880
Market Cap $: 984.35 Mil Enterprise Value $: 13.59 Mil
P/E (TTM): 8.66 P/B: 1.86
Earnings Power Value 25.05
Net Current Asset Value 0
Tangible Book 15.25
Projected FCF 77.83
Median P/S Value 27.07
Graham Number 33.54
Peter Lynch Value 0
DCF (FCF Based) 0
DCF (Earnings Based) 0
YTD (-%)

Financial Strength : 5/10

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.
Current vs industry vs history
Cash-to-Debt 3.41
Cash-To-Debt ranked higher than
61.36% of 132 companies
in the Insurance - Property & Casualty industry.
Industry Max: 10000, Med: 2.82, Min: 0.01
UVE: 3.41
Ranked among companies with meaningful Cash-To-Debt only.
Cash-To-Debt range over the past 10 years
Min: 1.46, Med: 8.24, Max: 10000
Current: 3.41
1.46
10000
Equity-to-Asset 0.32
Equity-to-Asset ranked higher than
62.12% of 132 companies
in the Insurance - Property & Casualty industry.
Industry Max: 0.95, Med: 0.25, Min: 0.03
UVE: 0.32
Ranked among companies with meaningful Equity-to-Asset only.
Equity-to-Asset range over the past 10 years
Min: -1.67, Med: 0.18, Max: 0.64
Current: 0.32
-1.67
0.64
Debt-to-Equity 0.10
Debt-to-Equity ranked higher than
91.57% of 83 companies
in the Insurance - Property & Casualty industry.
Industry Max: 15.91, Med: 9999, Min: 0.01
UVE: 0.1
Ranked among companies with meaningful Debt-to-Equity only.
Debt-to-Equity range over the past 10 years
Min: 0.02, Med: 0.21, Max: 1.7
Current: 0.1
0.02
1.7
Debt-to-EBITDA 0.33
Debt-to-EBITDA ranked higher than
96.15% of 78 companies
in the Insurance - Property & Casualty industry.
Industry Max: 36.7, Med: 1.62, Min: 0.03
UVE: 0.33
Ranked among companies with meaningful Debt-to-EBITDA only.
N/A
WACC vs ROIC %
ROIC 0%
WACC 9.91%

Profitability & Growth : 4/10

GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.
Current vs industry vs history
Net Margin % 13.48
Net Margin ranked higher than
82.71% of 133 companies
in the Insurance - Property & Casualty industry.
Industry Max: 94.29, Med: 6.25, Min: -370.67
UVE: 13.48
Ranked among companies with meaningful Net Margin only.
Net Margin range over the past 10 years
Min: 8.9, Med: 14.37, Max: 19.77
Current: 13.48
8.9
19.77
ROE % 23.16
ROE ranked higher than
95.49% of 133 companies
in the Insurance - Property & Casualty industry.
Industry Max: 55.81, Med: 8.75, Min: -77.05
UVE: 23.16
Ranked among companies with meaningful ROE only.
ROE range over the past 10 years
Min: 13.88, Med: 28.02, Max: 43.19
Current: 23.16
13.88
43.19
ROA % 7.07
ROA ranked higher than
95.49% of 133 companies
in the Insurance - Property & Casualty industry.
Industry Max: 17.69, Med: 2.09, Min: -17.18
UVE: 7.07
Ranked among companies with meaningful ROA only.
ROA range over the past 10 years
Min: 2.37, Med: 6.73, Max: 11.18
Current: 7.07
2.37
11.18
3-Year Total Revenue Growth Rate 14.70
3-Year Revenue Growth Rate ranked higher than
92.06% of 126 companies
in the Insurance - Property & Casualty industry.
Industry Max: 456.8, Med: 6.3, Min: -30.7
UVE: 14.8
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
3-Year Revenue Growth Rate range over the past 10 years
Min: -55.8, Med: 24.7, Max: 334.2
Current: 14.8
-55.8
334.2
3-Year EPS w/o NRI Growth Rate 3.30
3-Year EPS w/o NRI Growth Rate ranked higher than
73.58% of 106 companies
in the Insurance - Property & Casualty industry.
Industry Max: 431.5, Med: 1.5, Min: -100
UVE: 3.3
Ranked among companies with meaningful 3-Year EPS w/o NRI Growth Rate only.
3-Year EPS w/o NRI Growth Rate range over the past 10 years
Min: 0, Med: -4.8, Max: 73.4
Current: 3.3
0
73.4

» UVE's 30-Y Financials

Financials (Next Earnings Date: 2019-07-26)

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Business Description

Industry Insurance - Property & Casualty » Insurance - Property & Casualty    NAICS : 524126    SIC : 6331
Compare NYSE:STC BKK:BKI NAS:UFCS MEX:Q NAS:AMSF NYSE:MBI NAS:JRVR NAS:EMCI NAS:UIHC NAS:SAFT TSE:8715 NAS:STFC NAS:KNSL XPAR:COFA XKRX:000370 NAS:SG OCSE:ALMB LSE:HSTG BKK:TIP NAS:GBLI
Traded in other countries 5UI.Germany
Address 1110 West Commercial Boulevard, Suite 100, Fort Lauderdale, FL, USA, 33309
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.

Ratios

Current vs industry vs history
PE Ratio (TTM) 8.66
PE Ratio ranked higher than
73.21% of 112 companies
in the Insurance - Property & Casualty industry.
Industry Max: 1755, Med: 17.27, Min: 2.89
UVE: 8.66
Ranked among companies with meaningful PE Ratio only.
PE Ratio range over the past 10 years
Min: 1.64, Med: 7.62, Max: 13.21
Current: 8.66
1.64
13.21
PE Ratio without NRI 8.66
PE without NRI ranked higher than
74.11% of 112 companies
in the Insurance - Property & Casualty industry.
Industry Max: 1755, Med: 17.6, Min: 2.89
UVE: 8.66
Ranked among companies with meaningful PE without NRI only.
PE without NRI range over the past 10 years
Min: 1.64, Med: 7.62, Max: 13.21
Current: 8.66
1.64
13.21
Price-to-Owner-Earnings 9.16
Price-to-Owner-Earnings ranked higher than
50.00% of 84 companies
in the Insurance - Property & Casualty industry.
Industry Max: 3633.33, Med: 11.52, Min: 2.34
UVE: 9.16
Ranked among companies with meaningful Price-to-Owner-Earnings only.
Price-to-Owner-Earnings range over the past 10 years
Min: 1.03, Med: 5.73, Max: 33.24
Current: 9.16
1.03
33.24
PB Ratio 1.86
PB Ratio ranked lower than
82.71% of 133 companies
in the Insurance - Property & Casualty industry.
Industry Max: 11.38, Med: 1.43, Min: 0.08
UVE: 1.86
Ranked among companies with meaningful PB Ratio only.
PB Ratio range over the past 10 years
Min: 0.69, Med: 1.89, Max: 4.57
Current: 1.86
0.69
4.57
PS Ratio 1.17
PS Ratio ranked lower than
66.92% of 133 companies
in the Insurance - Property & Casualty industry.
Industry Max: 38.05, Med: 1.22, Min: 0.09
UVE: 1.17
Ranked among companies with meaningful PS Ratio only.
PS Ratio range over the past 10 years
Min: 0.39, Med: 1.11, Max: 2.66
Current: 1.17
0.39
2.66
Price-to-Free-Cash-Flow 5.13
Price-to-Free-Cash-Flow ranked higher than
85.23% of 88 companies
in the Insurance - Property & Casualty industry.
Industry Max: 621.88, Med: 12.17, Min: 0.47
UVE: 5.13
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
Price-to-Free-Cash-Flow range over the past 10 years
Min: 0.92, Med: 4.2, Max: 26.4
Current: 5.13
0.92
26.4
Price-to-Operating-Cash-Flow 4.84
Price-to-Operating-Cash-Flow ranked higher than
85.71% of 98 companies
in the Insurance - Property & Casualty industry.
Industry Max: 1058.33, Med: 10.59, Min: 0.46
UVE: 4.84
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
Price-to-Operating-Cash-Flow range over the past 10 years
Min: 0.91, Med: 4.01, Max: 22.16
Current: 4.84
0.91
22.16
EV-to-EBIT 0.08
EV-to-EBIT ranked higher than
84.07% of 113 companies
in the Insurance - Property & Casualty industry.
Industry Max: 322.99, Med: 12.73, Min: 0.38
UVE: 0.08
Ranked among companies with meaningful EV-to-EBIT only.
EV-to-EBIT range over the past 10 years
Min: 0.2, Med: 5.5, Max: 16
Current: 0.08
0.2
16
EV-to-EBITDA 0.08
EV-to-EBITDA ranked higher than
84.48% of 116 companies
in the Insurance - Property & Casualty industry.
Industry Max: 182.88, Med: 11.2, Min: 0.33
UVE: 0.08
Ranked among companies with meaningful EV-to-EBITDA only.
EV-to-EBITDA range over the past 10 years
Min: 0.2, Med: 5.5, Max: 16
Current: 0.08
0.2
16
EV-to-Revenue 0.02
EV-to-Revenue ranked lower than
52.34% of 128 companies
in the Insurance - Property & Casualty industry.
Industry Max: 27.81, Med: 1.19, Min: 0.01
UVE: 0.02
Ranked among companies with meaningful EV-to-Revenue only.
EV-to-Revenue range over the past 10 years
Min: -1, Med: 0.6, Max: 2.2
Current: 0.02
-1
2.2
Shiller PE Ratio 13.82
Shiller PE Ratio ranked higher than
62.32% of 69 companies
in the Insurance - Property & Casualty industry.
Industry Max: 433.84, Med: 20.4, Min: 7.01
UVE: 13.82
Ranked among companies with meaningful Shiller PE Ratio only.
Shiller PE Ratio range over the past 10 years
Min: 4.95, Med: 13.37, Max: 30.02
Current: 13.82
4.95
30.02

Dividend & Buy Back

Current vs industry vs history
Dividend Yield % 2.25
Trailing Dividend Yield ranked lower than
78.87% of 194 companies
in the Insurance - Property & Casualty industry.
Industry Max: 15.15, Med: 2.98, Min: 0.09
UVE: 2.25
Ranked among companies with meaningful Trailing Dividend Yield only.
Trailing Dividend Yield range over the past 10 years
Min: 1.19, Med: 3.26, Max: 21.21
Current: 2.25
1.19
21.21
Dividend Payout Ratio 0.19
Dividend Payout Ratio ranked higher than
85.82% of 134 companies
in the Insurance - Property & Casualty industry.
Industry Max: 4.8, Med: 0.32, Min: 0.02
UVE: 0.19
Ranked among companies with meaningful Dividend Payout Ratio only.
Dividend Payout Ratio range over the past 10 years
Min: 0.16, Med: 0.2, Max: 0.76
Current: 0.19
0.16
0.76
3-Year Dividend Growth Rate (Per Share) 7.70
3-Year Dividend Growth Rate ranked higher than
70.89% of 79 companies
in the Insurance - Property & Casualty industry.
Industry Max: 128.9, Med: 8.6, Min: -100
UVE: 7.7
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
3-Year Dividend Growth Rate range over the past 10 years
Min: 0, Med: 0, Max: 121
Current: 7.7
0
121
Forward Dividend Yield % 2.25
Forward Dividend Yield ranked lower than
86.98% of 192 companies
in the Insurance - Property & Casualty industry.
Industry Max: 17.42, Med: 3.17, Min: 0.09
UVE: 2.25
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield-on-Cost (5-Year) % 4.16
Yield-on-Cost (5y) ranked lower than
74.09% of 193 companies
in the Insurance - Property & Casualty industry.
Industry Max: 112.5, Med: 4.91, Min: 0.09
UVE: 4.16
Ranked among companies with meaningful Yield-on-Cost (5y) only.
Yield-on-Cost (5y) range over the past 10 years
Min: 2.2, Med: 6.26, Max: 39.25
Current: 4.16
2.2
39.25
3-Year Share Buyback Rate -0.60
3-Year Share Buyback Rate ranked lower than
54.02% of 87 companies
in the Insurance - Property & Casualty industry.
Industry Max: 21.9, Med: -0.4, Min: -49.5
UVE: -0.6
Ranked among companies with meaningful 3-Year Share Buyback Rate only.
3-Year Share Buyback Rate range over the past 10 years
Min: -27.2, Med: -0.3, Max: 4.9
Current: -0.6
-27.2
4.9

Valuation & Return

Current vs industry vs history
Price-to-Tangible-Book 1.86
Price-to-Tangible-Book ranked lower than
79.07% of 129 companies
in the Insurance - Property & Casualty industry.
Industry Max: 32.5, Med: 1.7, Min: 0.08
UVE: 1.86
Ranked among companies with meaningful Price-to-Tangible-Book only.
Price-to-Tangible-Book range over the past 10 years
Min: 0.13, Med: 1.63, Max: 92.06
Current: 1.86
0.13
92.06
Price-to-Projected-FCF 0.37
Price-to-Intrinsic-Value-Projected-FCF ranked higher than
85.87% of 92 companies
in the Insurance - Property & Casualty industry.
Industry Max: 12.4, Med: 0.84, Min: 0.06
UVE: 0.37
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
Price-to-Intrinsic-Value-Projected-FCF range over the past 10 years
Min: 0.04, Med: 0.31, Max: 0.7
Current: 0.37
0.04
0.7
Price-to-Median-PS-Value 1.05
Price-to-Median-PS-Value ranked lower than
73.11% of 119 companies
in the Insurance - Property & Casualty industry.
Industry Max: 7.15, Med: 1.18, Min: 0.35
UVE: 1.05
Ranked among companies with meaningful Price-to-Median-PS-Value only.
Price-to-Median-PS-Value range over the past 10 years
Min: 0.04, Med: 1.02, Max: 188
Current: 1.05
0.04
188
Price-to-Graham-Number 0.84
Price-to-Graham-Number ranked higher than
54.00% of 100 companies
in the Insurance - Property & Casualty industry.
Industry Max: 11.78, Med: 1.17, Min: 0.41
UVE: 0.84
Ranked among companies with meaningful Price-to-Graham-Number only.
Price-to-Graham-Number range over the past 10 years
Min: 0.05, Med: 0.85, Max: 1.45
Current: 0.84
0.05
1.45
Earnings Yield (Joel Greenblatt) % 1250.00
Earnings Yield (Greenblatt) ranked higher than
86.36% of 132 companies
in the Insurance - Property & Casualty industry.
Industry Max: 263.16, Med: 6.78, Min: -238.1
UVE: 1250
Ranked among companies with meaningful Earnings Yield (Greenblatt) only.
Earnings Yield (Greenblatt) range over the past 10 years
Min: 6.2, Med: 18.2, Max: 565.1
Current: 1250
6.2
565.1

More Statistics

Revenue (TTM) (Mil) $ 868.9
EPS (TTM) $ 3.28
Beta 1.39
Volatility % 43.19
52-Week Range $ 28.41 - 50.5
Shares Outstanding (Mil) 34.65

Analyst Estimate

Piotroski F-Score Details