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A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Universal Insurance Holdings's Debt-to-Equity or its related term are showing as below:
FRA:5UI'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.02 Med: 0.04 Max: 0.4
Current: 0.17
During the past 13 years, the highest Debt-to-Equity Ratio of Universal Insurance Holdings was 0.40. The lowest was 0.02. And the median was 0.04.
FRA:5UI's Debt-to-Equity is ranked better than 55.67% of 406
companies
in the Insurance industry
Industry Median: 0.2
vs FRA:5UI: 0.17
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Universal Insurance Holdings Debt-to-Equity Related Terms
Universal Insurance Holdings Debt-to-Equity 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.
FRA:5UI vs ASIC, SAFT, TRUP: Debt-to-Equity Comparison
For the Insurance - Property & Casualty subindustry, Universal Insurance Holdings's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Universal Insurance Holdings's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Universal Insurance Holdings's Debt-to-Equity 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 Debt-to-Equity of 0.17 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Universal Insurance Holdings and its competitors. This is 325% above median its historical median of 0.04. Over the past decade, Universal Insurance Holdings' Debt-to-Equity has ranged from 0.02 to 0.40. According to the industry distribution chart, Universal Insurance Holdings ranks #180 out of 406 companies in the Insurance industry, placing it in the top 44.3%.
Is Universal Insurance Holdings' Debt-to-Equity too high?
Universal Insurance Holdings' current Debt-to-Equity of 0.17 is 325% above median its 10-year median of 0.04. Over the past 10 years, this metric has ranged from a low of 0.02 to a high of 0.40. The Insurance industry median Debt-to-Equity is 0.20. Universal Insurance Holdings' value of 0.17 is 15% below this industry median. Based on the distribution chart, Universal Insurance Holdings ranks #180 out of 406 companies in the Insurance industry, which is above the industry midpoint. 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' Debt-to-Equity compare to ASIC and SAFT?
According to the Insurance industry distribution chart, Universal Insurance Holdings ranks #180 out of 406 companies for Debt-to-Equity. This puts Universal Insurance Holdings in the upper half of its industry. The industry median Debt-to-Equity is 0.20. Universal Insurance Holdings' value of 0.17 is 15% below this benchmark. Historically, Universal Insurance Holdings' own Debt-to-Equity has ranged from 0.02 to 0.40 over the past decade. While the company's 10-year median is 0.04 vs. the industry median of 0.20, Universal Insurance Holdings has consistently been below 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 Debt-to-Equity for an Insurance company?
The median Debt-to-Equity among Insurance companies is 0.20, based on 406 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Universal Insurance Holdings's current Debt-to-Equity of 0.17 is 15% below 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Universal Insurance Holdings and its competitors. For the Insurance industry, the median Debt-to-Equity is 0.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Universal Insurance Holdings's current Debt-to-Equity is 0.17, which is 325% above median its own 10-year median of 0.04. 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 Debt-to-Equity of 0.17. The stock's GF Value™ is €20.60, compared to a current price of €33.40 — trading 62.1% above its estimated fair value. The current Debt-to-Equity is 0.17, which is 325% above median its 10-year median of 0.04 and 15% below the Insurance industry median of 0.20. Universal Insurance Holdings' overall GF Score™ is 66/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Universal Insurance Holdings (FRA:5UI), the current Debt-to-Equity is 0.17 as of Mar. 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 €33.40 is trading 62.1% above its estimated GF Value™ of €20.60.
Key valuation signals for FRA:5UI:
Debt-to-Equity: 0.17 (325% above median its 10-year median of 0.04)
GF Value™: €20.60 vs. price of €33.40 (62.1% above fair value)
Industry Position: 15% below the Insurance median (#180 of 406)
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
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Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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