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Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Universal Insurance Holdings's cash to debt ratio for the quarter that ended in Jun. 2026 was 5.44.
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, Universal Insurance Holdingscould pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Universal Insurance Holdings's Cash-to-Debt or its related term are showing as below:
FRA:5UI'
s Cash-to-Debt Range Over the Past 10 Years
Min: 1.6 Med: 9.13 Max: 45.92
Current: 5.44
During the past 13 years, Universal Insurance Holdings's highest Cash to Debt Ratio was 45.92. The lowest was 1.60. And the median was 9.13.
FRA:5UI's Cash-to-Debt is ranked better than 60.89% of 496
companies
in the Insurance industry
Industry Median: 2.115
vs FRA:5UI: 5.44
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Universal Insurance Holdings Cash-to-Debt Related Terms
Universal Insurance Holdings Cash-to-Debt Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
FRA:5UI vs ASIC, TRUP, BOW: Cash-to-Debt Comparison
For the Insurance - Property & Casualty subindustry, Universal Insurance Holdings's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Universal Insurance Holdings Cash-to-Debt vs Insurance Industry
For the Insurance industry and Financial Services sector, Universal Insurance Holdings's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Universal Insurance Holdings's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Universal Insurance Holdings (FRA:5UI) has a Cash-to-Debt of 5.44 as of Jun. 2026. This is 40% below median its historical median of 9.13. Over the past decade, Universal Insurance Holdings' Cash-to-Debt has ranged from 1.60 to 45.92. According to the industry distribution chart, Universal Insurance Holdings ranks #194 out of 496 companies in the Insurance industry, placing it in the top 39.1%.
Is Universal Insurance Holdings' Cash-to-Debt too high?
Universal Insurance Holdings' current Cash-to-Debt of 5.44 is 40% below median its 10-year median of 9.13. Over the past 10 years, this metric has ranged from a low of 1.60 to a high of 45.92. The Insurance industry median Cash-to-Debt is 2.12. Universal Insurance Holdings' value of 5.44 is 157.2% above this industry median. Based on the distribution chart, Universal Insurance Holdings ranks #194 out of 496 companies in the Insurance industry, which is above the industry midpoint. Overall, Universal Insurance Holdings has a GF Score™ of 64/100, reflecting its overall financial health beyond just this single metric.
How does Universal Insurance Holdings' Cash-to-Debt compare to ASIC and TRUP?
According to the Insurance industry distribution chart, Universal Insurance Holdings ranks #194 out of 496 companies for Cash-to-Debt. This puts Universal Insurance Holdings in the upper half of its industry. The industry median Cash-to-Debt is 2.12. Universal Insurance Holdings' value of 5.44 is 157.2% above this benchmark. Historically, Universal Insurance Holdings' own Cash-to-Debt has ranged from 1.60 to 45.92 over the past decade. While the company's 10-year median is 9.13 vs. the industry median of 2.12, Universal Insurance Holdings has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for an Insurance company?
The median Cash-to-Debt among Insurance companies is 2.12, based on 496 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Universal Insurance Holdings's current Cash-to-Debt of 5.44 is 157.2% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Insurance industry, the median Cash-to-Debt is 2.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Universal Insurance Holdings's current Cash-to-Debt is 5.44, which is 40% below median its own 10-year median of 9.13. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Universal Insurance Holdings stock overvalued right now?
Universal Insurance Holdings (FRA:5UI) has a current Cash-to-Debt of 5.44. The stock's GF Value™ is €32.16, compared to a current price of €37.80 — trading 17.5% above its estimated fair value. The current Cash-to-Debt is 5.44, which is 40% below median its 10-year median of 9.13 and 157.2% above the Insurance industry median of 2.12. Universal Insurance Holdings' overall GF Score™ is 64/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Universal Insurance Holdings (FRA:5UI), the current Cash-to-Debt is 5.44 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Universal Insurance Holdings (FRA:5UI) Overvalued in 2026?
Based on GuruFocus' analysis, Universal Insurance Holdings stock appears to be overvalued.
The current stock price of €37.80 is trading 17.5% above its estimated GF Value™ of €32.16.
Key valuation signals for FRA:5UI:
Cash-to-Debt: 5.44 (40% below median its 10-year median of 9.13)
GF Value™: €32.16 vs. price of €37.80 (17.5% above fair value)
Industry Position: 157.2% above the Insurance median (#194 of 496)
No single metric tells the full story. See the FRA:5UI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Universal Insurance Holdings Inc is an insurance holding company. Through its subsidiaries, the company mainly offers property and casualty insurance and value-added insurance services. It develops, markets, and underwrites insurance products for consumers predominantly in the personal residential homeowners lines of business and performs all other insurance-related services for its primary insurance entities, including risk management, claims management, and distribution. The group offers the following types of personal residential insurance: homeowners, renters/tenants, condo unit owners, and dwelling/fire, through an independent agent network and online distribution channels across multiple states in the United States of America.
64GF Score
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