Universal Insurance HoldingsSTU:5UI +5.20%62 EV-to-FCF is 1.93 as of Jun. 29, 2026, which is 26% below its 10-year median of 2.61. GuruFocus rates STU:5UI with a GF Score™ of 62/100 and a GF Value™ of €20.52 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 395 Insurance companies, Universal Insurance Holdings ranks better than 88.61% on this metric.
The historical rank and industry rank for Universal Insurance Holdings's EV-to-FCF or its related term are showing as below:
STU:5UI'
s EV-to-FCF Range Over the Past 10 Years
Min: -0.07 Med: 2.61 Max: 28.97
Current: 1.89
During the past 13 years, the highest EV-to-FCF of Universal Insurance Holdings was 28.97. The lowest was -0.07. And the median was 2.61.
STU:5UI's EV-to-FCF is ranked better than 88.61% of 395
companies
in the Insurance industry
Industry Median: 9.32
vs STU:5UI: 1.89
EV-to-FCF 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-FCF 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 €36.40.
Universal Insurance Holdings's Earnings per Share (Diluted) 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 €5.798.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Universal Insurance Holdings EV-to-FCF Related Terms
Universal Insurance Holdings EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Universal Insurance Holdings's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Universal Insurance Holdings's EV-to-FCF falls into.
Universal Insurance Holdings's current Enterprise Value is €574 Mil.
Universal Insurance Holdings's Free Cash Flow 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 €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-FCF of 1.93 as of Jun. 29, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Universal Insurance Holdings and its competitors. This is 26% below median its historical median of 2.61. According to the industry distribution chart, Universal Insurance Holdings ranks #45 out of 395 companies in the Insurance industry, placing it in the top 11.4%.
Is Universal Insurance Holdings' EV-to-FCF too high?
Universal Insurance Holdings' current EV-to-FCF of 1.93 is 26% below median its 10-year median of 2.61. The Insurance industry median EV-to-FCF is 9.32. Universal Insurance Holdings' value of 1.93 is 79.3% below this industry median. Based on the distribution chart, Universal Insurance Holdings ranks #45 out of 395 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 62/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Universal Insurance Holdings' EV-to-FCF compare to ASIC and SAFT?
According to the Insurance industry distribution chart, Universal Insurance Holdings ranks #45 out of 395 companies for EV-to-FCF. This places Universal Insurance Holdings in the top 11% of its industry — outperforming the majority of peers. The industry median EV-to-FCF is 9.32. Universal Insurance Holdings' value of 1.93 is 79.3% below this benchmark. While the company's 10-year median is 2.61 vs. the industry median of 9.32, 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-FCF for an Insurance company?
The median EV-to-FCF among Insurance companies is 9.32, based on 395 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Universal Insurance Holdings's current EV-to-FCF of 1.93 is 79.3% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Universal Insurance Holdings and its competitors. For the Insurance industry, the median EV-to-FCF is 9.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Universal Insurance Holdings's current EV-to-FCF is 1.93, which is 26% below median its own 10-year median of 2.61. 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 Significantly Overvalued. The stock's GF Value™ is €20.52, compared to a current price of €36.40 — trading 77.4% above its estimated fair value. The current EV-to-FCF is 1.93, which is 26% below median its 10-year median of 2.61 and 79.3% below the Insurance industry median of 9.32. Universal Insurance Holdings' overall GF Score™ is 62/100 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-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Universal Insurance Holdings (STU:5UI), the current EV-to-FCF is 1.93 as of Jun. 29, 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 €36.40 is trading 77.4% above its estimated GF Value™ of €20.52.
GuruFocus considers Universal Insurance Holdings to be Significantly Overvalued.
Key valuation signals for STU:5UI:
EV-to-FCF: 1.93 (26% below median its 10-year median of 2.61)
GF Value™: €20.52 vs. price of €36.40 (77.4% above fair value)
Industry Position: 79.3% below the Insurance median (#45 of 395)
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.
62GF Score
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