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Combined Ratio % is a profitability metric of an insurance company to measure its performance in daily operations. It measures the money flowing out of an insurance company in the form of dividends, expenses, and losses.
The historical rank and industry rank for Universal Insurance Holdings's Combined Ratio % or its related term are showing as below:
FRA:5UI's Combined Ratio % is not ranked *
in the Insurance industry.
Industry Median: * Ranked among companies with meaningful Combined Ratio % only.
Universal Insurance Holdings (FRA:5UI) Combined Ratio % Explanation
Combined Ratio % measures the money flowing out of an insurance company in the form of dividends, expenses and losses. A ratio below 100 percent suggests that the company is making an underwriting profit, while a ratio above 100 percent means that it paid more in the claim than it received. However, a ratio above 100 percent does not necessarily mean the company is losing money because the investment income is not included in the calculation.
Compared to Claims Ratio % and Expense Ratio %, the combined ratio is most important because it provides a comprehensive measure of an insurer's profitability.
Universal Insurance Holdings Combined Ratio % Related Terms
Universal Insurance Holdings Combined Ratio % 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.
Universal Insurance Holdings Combined Ratio % Chart
Universal Insurance Holdings (FRA:5UI) Combined Ratio % Calculation
Combined Ratio % is calculated as:
Combined Ratio %
=
( Incurred Losses
+
Expenses )
/
Earned Premium
*
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 Combined Ratio % of 0.00% mean?
Universal Insurance Holdings (FRA:5UI) has a Combined Ratio % of 0.00% as of . 20. Combined Ratio measures the money flowing out of an insurance company in the form of dividends, expenses, and losses. View historical data on Universal Insurance Holdings and its competitors.
Is Universal Insurance Holdings' Combined Ratio % too high?
Universal Insurance Holdings' current Combined Ratio % is 0.00%. Overall, Universal Insurance Holdings has a GF Score™ of 66/100, reflecting its overall financial health beyond just this single metric.
How does Universal Insurance Holdings' Combined Ratio % compare to ASIC and HGTY?
Universal Insurance Holdings' Combined 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 Combined Ratio % for an Insurance company?
A good Combined Ratio % depends on the Insurance industry context. However, Combined 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 Combined Ratio % mean?
A high Combined Ratio % can signal that a stock is expensive relative to its fundamentals. Combined Ratio measures the money flowing out of an insurance company in the form of dividends, expenses, and losses. View historical data on Universal Insurance Holdings and its competitors. Universal Insurance Holdings's current Combined 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 Combined Ratio % of 0.00%. The stock's GF Value™ is €32.15, compared to a current price of €36.80 — trading 14.5% above its estimated fair value. The current Combined Ratio % is 0.00%. Universal Insurance Holdings' overall GF Score™ is 66/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Combined Ratio % calculated?
Combined Ratio % is calculated from a company's financial statements. For Universal Insurance Holdings (FRA:5UI), the current Combined 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 14.5% above its estimated GF Value™ of €32.15.
Key valuation signals for FRA:5UI:
Combined Ratio %: 0.00%
GF Value™: €32.15 vs. price of €36.80 (14.5% above fair value)
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.
66GF Score
Get the complete analysis for FRA:5UI
Combined Ratio % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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