Universal Insurance Holdings (FRA:5UI) EBIT: €228 Mil (TTM As of Mar. 2026)


FRA:5UI Universal Insurance Holdings Inc FRA:5UI
53 GF Score
Price €33.40
GF Value €19.39
Valuation Significantly Overvalued
! 8 Warning Signs
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What is Universal Insurance Holdings EBIT?

Universal Insurance Holdings FRA:5UI +0.60% 53 EBIT is €228 Mil as of Mar. 2026. GuruFocus rates FRA:5UI with a GF Score™ of 53/100 and a GF Value™ of €19.39 (Significantly Overvalued). The stock has 8 warning signs investors should review.

Universal Insurance Holdings's earnings before interest and taxes (EBIT) for the three months ended in Mar. 2026 was €63 Mil. Its earnings before interest and taxes (EBIT) for the trailing twelve months (TTM) ended in Mar. 2026 was €228 Mil.

EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. Universal Insurance Holdings's annualized ROC % for the quarter that ended in Mar. 2026 was 10.84%.

EBIT is also linked to Joel Greenblatt's definition of earnings yield. Universal Insurance Holdings's Earnings Yield (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 41.94%.


Universal Insurance Holdings  (FRA:5UI) EBIT Explanation

1. EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition.

Universal Insurance Holdings's annualized ROC % for the quarter that ended in Mar. 2026 is calculated as:

ROC % (Q: Mar. 2026 )
=NOPAT/Average Invested Capital
=EBIT * ( 1 - Tax Rate % )/( (Invested Capital (Q: Dec. 2025 ) + Invested Capital (Q: Mar. 2026 ))/ count )
=252.96 * ( 1 - 24.27% )/( (1826.80945 + 1708.9207)/ 2 )
=191.566608/1767.865075
=10.84 %

where

Invested Capital(Q: Dec. 2025 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Balance Sheet Cash And Cash Equivalents - 5% * Revenue )
=2425.1 - 266.536 - ( 349.173 - 5% * 348.369 )
=1826.80945

Invested Capital(Q: Mar. 2026 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Balance Sheet Cash And Cash Equivalents - 5% * Revenue )
=2395.521 - 188.28 - ( 515.342 - 5% * 340.434 )
=1708.9207

Note: The EBIT data used here is four times the quarterly (Mar. 2026) data.

2. Joel Greenblatt's definition of Return on Capital:

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

3. It is also linked to Joel Greenblatt's definition of Earnings Yield:

Universal Insurance Holdings's Earnings Yield (Joel Greenblatt) % for today is calculated as:

Earnings Yield (Joel Greenblatt) %=EBIT (TTM)/Enterprise Value (Q: Mar. 2026 )
=227.629/542.709
=41.94 %

* 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 EBIT Related Terms


Universal Insurance Holdings EBIT Historical Data

* Premium members only.

The historical data trend for Universal Insurance Holdings's EBIT 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 EBIT Chart

Universal Insurance Holdings Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EBIT
Get a 7-Day Free Trial Premium Member Only Premium Member Only 25.66 -20.15 86.36 86.31 212.46

Universal Insurance Holdings Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
EBIT Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 52.62 41.46 46.18 76.75 63.24

FRA:5UI vs SAFT, HGTY, TRUP: EBIT Comparison

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

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

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


FRA:5UI
53GF Score
Universal Insurance Holdings Inc FRA:5UI
EBIT is just one metric. See GF Score™, valuation, warning signs, and more.
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Universal Insurance Holdings EBIT Calculation

EBIT, sometimes also called Earnings Before Interest and Taxes, is a measure of a firm's profit that includes all expenses except interest and income tax expenses. It is the difference between operating revenues and operating expenses. When a firm does not have non-operating income, then Operating Income is sometimes used as a synonym for EBIT and operating profit.

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 €228 Mil.

* 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 Learn more about EBIT →
What does a EBIT of €228 Mil mean?
Universal Insurance Holdings (FRA:5UI) has a EBIT of €228 Mil as of Mar. 2026. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Universal Insurance Holdings.
Is Universal Insurance Holdings' EBIT too high?
Universal Insurance Holdings' current EBIT is €228 Mil. Overall, Universal Insurance Holdings has a GF Score™ of 53/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Universal Insurance Holdings' EBIT compare to SAFT and HGTY?
Universal Insurance Holdings' EBIT of €228 Mil 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 EBIT for an Insurance company?
A good EBIT depends on the Insurance industry context. However, EBIT 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 EBIT mean?
A high EBIT can signal that a stock is expensive relative to its fundamentals. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Universal Insurance Holdings. Universal Insurance Holdings's current EBIT is €228 Mil. 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?
Based on GuruFocus' analysis, Universal Insurance Holdings (FRA:5UI) is currently considered Significantly Overvalued. The stock's GF Value™ is €19.39, compared to a current price of €33.40 — trading 72.3% above its estimated fair value. The current EBIT is €228 Mil. Universal Insurance Holdings' overall GF Score™ is 53/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBIT calculated?
EBIT is calculated from a company's financial statements. For Universal Insurance Holdings (FRA:5UI), the current EBIT is €228 Mil 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 72.3% above its estimated GF Value™ of €19.39. GuruFocus considers Universal Insurance Holdings to be Significantly Overvalued.

Key valuation signals for FRA:5UI:

  • EBIT: €228 Mil
  • GF Value™: €19.39 vs. price of €33.40 (72.3% above fair value)
  • GF Score™: 53/100 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.
53GF Score

Get the complete analysis for FRA:5UI

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

€33.40
Price
€19.39
GF Value