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The historical rank and industry rank for Universal Insurance Holdings's EV-to-OCF or its related term are showing as below:
STU:5UI'
s EV-to-OCF Range Over the Past 10 Years
Min: -0.06 Med: 2.5 Max: 14.04
Current: 2.31
During the past 13 years, the highest EV-to-OCF of Universal Insurance Holdings was 14.04. The lowest was -0.06. And the median was 2.50.
STU:5UI's EV-to-OCF is ranked better than 69.63% of 507
companies
in the Insurance industry
Industry Median: 6.77
vs STU:5UI: 2.31
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Universal Insurance Holdings's PE Ratio (TTM) for today is calculated as:
Universal Insurance Holdings's share price for today is €38.00.
Universal Insurance Holdings's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €6.520.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Universal Insurance Holdings EV-to-OCF Related Terms
Universal Insurance Holdings EV-to-OCF 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.
For the Insurance - Property & Casualty subindustry, Universal Insurance Holdings's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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-OCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Universal Insurance Holdings's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Universal Insurance Holdings's EV-to-OCF falls into.
Universal Insurance Holdings's current Enterprise Value is €689 Mil.
Universal Insurance Holdings's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €297 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.
Universal Insurance Holdings (STU:5UI) has a EV-to-OCF of 2.32 as of Aug. 09, 2026. This is near median its historical median of 2.50. According to the industry distribution chart, Universal Insurance Holdings ranks #154 out of 507 companies in the Insurance industry, placing it in the top 30.4%.
Is Universal Insurance Holdings' EV-to-OCF too high?
Universal Insurance Holdings' current EV-to-OCF of 2.32 is near median its 10-year median of 2.50. The Insurance industry median EV-to-OCF is 6.77. Universal Insurance Holdings' value of 2.32 is 65.7% below this industry median. Based on the distribution chart, Universal Insurance Holdings ranks #154 out of 507 companies in the Insurance industry, which is above the industry midpoint. Overall, Universal Insurance Holdings has a GF Score™ of 61/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Universal Insurance Holdings' EV-to-OCF compare to ASIC and HGTY?
According to the Insurance industry distribution chart, Universal Insurance Holdings ranks #154 out of 507 companies for EV-to-OCF. This puts Universal Insurance Holdings in the upper half of its industry. The industry median EV-to-OCF is 6.77. Universal Insurance Holdings' value of 2.32 is 65.7% below this benchmark. While the company's 10-year median is 2.50 vs. the industry median of 6.77, 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 EV-to-OCF for an Insurance company?
The median EV-to-OCF among Insurance companies is 6.77, based on 507 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Universal Insurance Holdings's current EV-to-OCF of 2.32 is 65.7% 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Insurance industry, the median EV-to-OCF is 6.77 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Universal Insurance Holdings's current EV-to-OCF is 2.32, which is near median its own 10-year median of 2.50. 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 (STU:5UI) is currently considered Modestly Overvalued. The stock's GF Value™ is €32.77, compared to a current price of €38.00 — trading 16% above its estimated fair value. The current EV-to-OCF is 2.32, which is near median its 10-year median of 2.50 and 65.7% below the Insurance industry median of 6.77. Universal Insurance Holdings' overall GF Score™ is 61/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Universal Insurance Holdings (STU:5UI), the current EV-to-OCF is 2.32 as of Aug. 09, 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 (STU:5UI) Overvalued in 2026?
Based on GuruFocus' analysis, Universal Insurance Holdings stock appears to be overvalued.
The current stock price of €38.00 is trading 16% above its estimated GF Value™ of €32.77.
GuruFocus considers Universal Insurance Holdings to be Modestly Overvalued.
Key valuation signals for STU:5UI:
EV-to-OCF: 2.32 (near median its 10-year median of 2.50)
GF Value™: €32.77 vs. price of €38.00 (16% above fair value)
Industry Position: 65.7% below the Insurance median (#154 of 507)
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 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.
61GF Score
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EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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