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Universal Insurance HoldingsFRA:5UI +9.70%55 Earnings Yield (Joel Greenblatt) % is 57.80% as of Mar. 2026, which is 197% above its 10-year median of 19.45. GuruFocus rates FRA:5UI with a GF Score™ of 55/100 and a GF Value™ of €18.33. The stock has 7 warning signs investors should review. Among 515 Insurance companies, Universal Insurance Holdings ranks better than 95.34% on this metric.
Universal Insurance Holdings's Enterprise Value for the quarter that ended in Mar. 2026 was €397 Mil.
Universal Insurance Holdings's EBIT for the trailing twelve months (TTM) ended in Mar. 2026 was €257 Mil. Universal Insurance Holdings's Earnings Yield (Joel Greenblatt) for the quarter that ended in Mar. 2026 was 57.80%.
The historical rank and industry rank for Universal Insurance Holdings's Earnings Yield (Joel Greenblatt) % or its related term are showing as below:
FRA:5UI'
s Earnings Yield (Joel Greenblatt) % Range Over the Past 10 Years
Min: -208 Med: 19.45 Max: 63.09
Current: 38.65
During the past 13 years, the highest Earnings Yield (Joel Greenblatt) of Universal Insurance Holdings was 63.09%. The lowest was -208.00%. And the median was 19.45%.
FRA:5UI's Earnings Yield (Joel Greenblatt) % is ranked better than 95.34% of 515
companies
in the Insurance industry
Industry Median: 6.96
vs FRA:5UI: 38.65
Joel Greenblatt's definition of earnings yield has the same problems the regular earnings yield does. It does not consider the growth of the company. It only looks at one-year's business operation. For cyclical companies, the earnings yield is usually highest at the peak of the business cycle. But these earnings are rarely sustainable.
A better indicator of the attractiveness of an investment which takes growth into account is the Forward Rate of Return (Yacktman) %. Universal Insurance Holdings's Forward Rate of Return (Yacktman) % for the quarter that ended in Mar. 2026 was 0.00%. The Forward Rate of Return uses the normalized Free Cash Flow of the past five years, and considers growth. The forward rate of return can be thought of as the return that investors buying the stock today can expect from it in the future.
Joel Greenblatt defines the earnings yield using the above equation because it more accurately reflects the company's profitability relative to its stock price. Items like interest payment and tax etc. are not directly related to the company's operational profitability.
Enterprise Value instead of market cap (share price) is used in the calculation because it is the real price stock and bond investors together pay for the company.
Be Aware
Joel Greenblatt's definition of earnings yield has the same problems the regular earnings yield does. It does not consider the growth of the company. It only looks at one-year's business operation. For cyclical companies, the earnings yield is usually highest at the peak of the business cycle. But these earnings are rarely sustainable.
Universal Insurance Holdings Earnings Yield (Joel Greenblatt) % Related Terms
Universal Insurance Holdings Earnings Yield (Joel Greenblatt) % Historical Data
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The historical data trend for Universal Insurance Holdings's Earnings Yield (Joel Greenblatt) % 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.
For the Insurance - Property & Casualty subindustry, Universal Insurance Holdings's Earnings Yield (Joel Greenblatt) %, along with its competitors' market caps and Earnings Yield (Joel Greenblatt) % 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 Earnings Yield (Joel Greenblatt) % vs Insurance Industry
For the Insurance industry and Financial Services sector, Universal Insurance Holdings's Earnings Yield (Joel Greenblatt) % distribution charts can be found below:
* The bar in red indicates where Universal Insurance Holdings's Earnings Yield (Joel Greenblatt) % falls into.
In his book, The Little That Beat the Market, hedge fund manager Joel Greenblatt defines Earnings Yield as operating income divided by enterprise value.
Universal Insurance Holdingss Earnings Yield (Joel Greenblatt) for the fiscal year that ended in Dec. 2025 is calculated as
Universal Insurance Holdings's EBIT for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €257 Mil.
What does a Earnings Yield (Joel Greenblatt) % of 57.80% mean?
Universal Insurance Holdings (FRA:5UI) has a Earnings Yield (Joel Greenblatt) % of 57.80% as of Mar. 2026. Joel Greenblatt's earnings yield equals the ratio of earnings before interest and taxes to enterprise value. View historical data on Universal Insurance Holdings and its competitors. This is 197% above median its historical median of 19.45. According to the industry distribution chart, Universal Insurance Holdings ranks #24 out of 515 companies in the Insurance industry, placing it in the top 4.7%.
Is Universal Insurance Holdings' Earnings Yield (Joel Greenblatt) % too high?
Universal Insurance Holdings' current Earnings Yield (Joel Greenblatt) % of 57.80% is 197% above median its 10-year median of 19.45. The Insurance industry median Earnings Yield (Joel Greenblatt) % is 6.96. Universal Insurance Holdings' value of 57.80% is 730.5% above this industry median. Based on the distribution chart, Universal Insurance Holdings ranks #24 out of 515 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Universal Insurance Holdings has a GF Score™ of 55/100, reflecting its overall financial health beyond just this single metric.
How does Universal Insurance Holdings' Earnings Yield (Joel Greenblatt) % compare to ASIC and HGTY?
According to the Insurance industry distribution chart, Universal Insurance Holdings ranks #24 out of 515 companies for Earnings Yield (Joel Greenblatt) %. This places Universal Insurance Holdings in the top 5% of its industry — outperforming the majority of peers. The industry median Earnings Yield (Joel Greenblatt) % is 6.96. Universal Insurance Holdings' value of 57.80% is 730.5% above this benchmark. While the company's 10-year median is 19.45 vs. the industry median of 6.96, 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 Earnings Yield (Joel Greenblatt) % for an Insurance company?
The median Earnings Yield (Joel Greenblatt) % among Insurance companies is 6.96, based on 515 companies in the industry. Companies in the top quartile (top 25%) have a Earnings Yield (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, Earnings Yield (Joel Greenblatt) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Universal Insurance Holdings's current Earnings Yield (Joel Greenblatt) % of 57.80% is 730.5% 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 Earnings Yield (Joel Greenblatt) % mean?
A high Earnings Yield (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's earnings yield equals the ratio of earnings before interest and taxes to enterprise value. View historical data on Universal Insurance Holdings and its competitors. For the Insurance industry, the median Earnings Yield (Joel Greenblatt) % is 6.96 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Universal Insurance Holdings's current Earnings Yield (Joel Greenblatt) % is 57.80%, which is 197% above median its own 10-year median of 19.45. 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 Earnings Yield (Joel Greenblatt) % of 57.80%. The stock's GF Value™ is €18.33, compared to a current price of €36.20 — trading 97.5% above its estimated fair value. The current Earnings Yield (Joel Greenblatt) % is 57.80%, which is 197% above median its 10-year median of 19.45 and 730.5% above the Insurance industry median of 6.96. Universal Insurance Holdings' overall GF Score™ is 55/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Earnings Yield (Joel Greenblatt) % calculated?
Earnings Yield (Joel Greenblatt) % is calculated from a company's financial statements. For Universal Insurance Holdings (FRA:5UI), the current Earnings Yield (Joel Greenblatt) % is 57.80% 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 €36.20 is trading 97.5% above its estimated GF Value™ of €18.33.
Key valuation signals for FRA:5UI:
Earnings Yield (Joel Greenblatt) %: 57.80% (197% above median its 10-year median of 19.45)
GF Value™: €18.33 vs. price of €36.20 (97.5% above fair value)
Industry Position: 730.5% above the Insurance median (#24 of 515)
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.
55GF Score
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Earnings Yield (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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