Universal Insurance Holdings (STU:5UI) Debt-to-EBITDA : (As of Jun. 2026)

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STU:5UI Universal Insurance Holdings Inc STU:5UI
64 GF Score
Price €38.20
GF Value €32.33
! 8 Warning Signs
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What is Universal Insurance Holdings Debt-to-EBITDA?

Debt-to-EBITDA measures a company's ability to pay off its debt.

Universal Insurance Holdings's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was €0 Mil. Universal Insurance Holdings's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was €86 Mil. Universal Insurance Holdings's annualized EBITDA for the quarter that ended in Jun. 2026 was €281 Mil. Universal Insurance Holdings's annualized Debt-to-EBITDA for the quarter that ended in Jun. 2026 was 0.30.

A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.

The historical rank and industry rank for Universal Insurance Holdings's Debt-to-EBITDA or its related term are showing as below:

STU:5UI' s Debt-to-EBITDA Range Over the Past 10 Years
Min: -7.32   Med: 0.7   Max: 2.89
Current: 0.33

During the past 13 years, the highest Debt-to-EBITDA Ratio of Universal Insurance Holdings was 2.89. The lowest was -7.32. And the median was 0.70.

STU:5UI's Debt-to-EBITDA is ranked better than
76.92% of 312 companies
in the Insurance industry
Industry Median: 1.23 vs STU:5UI: 0.33

Universal Insurance Holdings  (STU:5UI) Debt-to-EBITDA Explanation

In the calculation of Debt-to-EBITDA, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by EBITDA. In some calculations, Total Liabilities is used to for calculation.

Be Aware

A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.

According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.

Universal Insurance Holdings Debt-to-EBITDA Related Terms

Universal Insurance Holdings Debt-to-EBITDA Historical Data

* Premium members only.

The historical data trend for Universal Insurance Holdings's Debt-to-EBITDA 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 Debt-to-EBITDA Chart

Universal Insurance Holdings Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-EBITDA
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Universal Insurance Holdings Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
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STU:5UI vs ASIC, TRUP, BOW: Debt-to-EBITDA Comparison

For the Insurance - Property & Casualty subindustry, Universal Insurance Holdings's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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 Debt-to-EBITDA vs Insurance Industry

For the Insurance industry and Financial Services sector, Universal Insurance Holdings's Debt-to-EBITDA distribution charts can be found below:

* The bar in red indicates where Universal Insurance Holdings's Debt-to-EBITDA falls into.


STU:5UI
64GF Score
Universal Insurance Holdings Inc STU:5UI
Debt-to-EBITDA is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Universal Insurance Holdings Debt-to-EBITDA Calculation

Debt-to-EBITDA measures a company's ability to pay off its debt.

Universal Insurance Holdings's Debt-to-EBITDA for the fiscal year that ended in Dec. 2025 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(86.085401677381 + -0.52960960449572) / 226.77653755861
=0.38

Universal Insurance Holdings's annualized Debt-to-EBITDA for the quarter that ended in Jun. 2026 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(0 + 85.587334907723) / 280.7579636981
=0.30

* 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.

In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data, the EBITDA data used here is four times the quarterly (Jun. 2026) EBITDA data.

Is Universal Insurance Holdings (STU:5UI) Overvalued in 2026?

Based on GuruFocus' analysis, Universal Insurance Holdings stock appears to be overvalued. The current stock price of €38.20 is trading 18.2% above its estimated GF Value™ of €32.33.

Key valuation signals for STU:5UI:

  • Debt-to-EBITDA:
  • GF Value™: €32.33 vs. price of €38.20 (18.2% above fair value)
  • GF Score™: 64/100 with 8 warning signs

No single metric tells the full story. See the STU: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:USA5UI:Germany
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 STU:5UI

Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€38.20
Price
€32.33
GF Value