Universal Insurance Holdings (FRA:5UI) Claims Ratio %: 0.00% (As of . 20)

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FRA:5UI Universal Insurance Holdings Inc FRA:5UI
64 GF Score
Price €36.80
GF Value €31.59
! 8 Warning Signs
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What is Universal Insurance Holdings Claims Ratio %?

Universal Insurance Holdings FRA:5UI -1.08% 64 Claims Ratio % is 0.00% as of . 20. GuruFocus rates FRA:5UI with a GF Score™ of 64/100 and a GF Value™ of €31.59. The stock has 8 warning signs investors should review.

Claims Ratio % is the percentage of claims costs incurred in relation to the premiums earned.

The historical rank and industry rank for Universal Insurance Holdings's Claims Ratio % or its related term are showing as below:

FRA:5UI's Claims Ratio % is not ranked *
in the Insurance industry.
Industry Median:
* Ranked among companies with meaningful Claims Ratio % only.

Universal Insurance Holdings  (FRA:5UI) Claims Ratio % Explanation

Claims Ratio % the percentage of claims costs incurred in relation to the premiums earned during the period. It is the equivalent of gross profit margin for an insurance company.

It's important to note that insurance is the business of managing risks and, to do that well, the insurer needs a thorough understanding of the incurred claims ratio. If the value is higher than expected or above established norms, then further investigation is required to figure out why that is (eg: fraud). If it is lower than expected, it could indicate irrelevant products or difficulties in claiming, possibly affecting customer satisfaction.

Universal Insurance Holdings Claims Ratio % Related Terms

Universal Insurance Holdings Claims Ratio % Historical Data

* Premium members only.

The historical data trend for Universal Insurance Holdings's Claims Ratio % can be seen below:

* 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 Claims Ratio % Chart


FRA:5UI
64GF Score
Universal Insurance Holdings Inc FRA:5UI
Claims Ratio % is just one metric. See GF Score™, valuation, warning signs, and more.
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Universal Insurance Holdings  (FRA:5UI) Claims Ratio % Calculation

Claims Ratio % is calculated as

Claims Ratio %=Total Claims / Total Premiums Earned * 100%

* 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.

Frequently Asked Questions
What does a Claims Ratio % of 0.00% mean?
Universal Insurance Holdings (FRA:5UI) has a Claims Ratio % of 0.00% as of . 20. Claims Ratio is the percentage of claims costs incurred in relation to the premiums earned. View historical data on Universal Insurance Holdings and its competitors.
Is Universal Insurance Holdings' Claims Ratio % too high?
Universal Insurance Holdings' current Claims Ratio % is 0.00%. 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' Claims Ratio % compare to ASIC and HGTY?
Universal Insurance Holdings' Claims Ratio % of 0.00% can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Claims Ratio % for an Insurance company?
A good Claims Ratio % depends on the Insurance industry context. However, Claims Ratio % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Claims Ratio % mean?
A high Claims Ratio % can signal that a stock is expensive relative to its fundamentals. Claims Ratio is the percentage of claims costs incurred in relation to the premiums earned. View historical data on Universal Insurance Holdings and its competitors. Universal Insurance Holdings's current Claims Ratio % is 0.00%. 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 Claims Ratio % of 0.00%. The stock's GF Value™ is €31.59, compared to a current price of €36.80 — trading 16.5% above its estimated fair value. The current Claims Ratio % is 0.00%. 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 Claims Ratio % calculated?
Claims Ratio % is calculated from a company's financial statements. For Universal Insurance Holdings (FRA:5UI), the current Claims Ratio % is 0.00% as of . 20. 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 €36.80 is trading 16.5% above its estimated GF Value™ of €31.59.

Key valuation signals for FRA:5UI:

  • Claims Ratio %: 0.00%
  • GF Value™: €31.59 vs. price of €36.80 (16.5% above fair value)
  • GF Score™: 64/100 with 8 warning signs

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 Business Description

Other Exchanges UVE:USA
Address 1110 W. Commercial Boulevard, Fort Lauderdale, FL, USA, 33309
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

Get the complete analysis for FRA:5UI

Claims Ratio % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€36.80
Price
€31.59
GF Value