What is Universal Insurance Holdings FCF Margin %?
Universal Insurance HoldingsFRA:5UI +4.19%53 FCF Margin % is 38.94% as of Mar. 2026, which is 112% above its 10-year median of 18.38. 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. Among 502 Insurance companies, Universal Insurance Holdings ranks better than 75.7% on this metric.
* 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 SAFT, HGTY, TRUP: FCF Margin % Comparison
For the Insurance - Property & Casualty subindustry, Universal Insurance Holdings's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Universal Insurance Holdings's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Universal Insurance Holdings's FCF Margin % 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 FCF Margin % of 38.94% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Universal Insurance Holdings and its competitors. This is 112% above median its historical median of 18.38. Over the past decade, Universal Insurance Holdings' FCF Margin % has ranged from 1.13 to 31.97. According to the industry distribution chart, Universal Insurance Holdings ranks #122 out of 502 companies in the Insurance industry, placing it in the top 24.3%.
Is Universal Insurance Holdings' FCF Margin % too high?
Universal Insurance Holdings' current FCF Margin % of 38.94% is 112% above median its 10-year median of 18.38. Over the past 10 years, this metric has ranged from a low of 1.13 to a high of 31.97. The Insurance industry median FCF Margin % is 9.63. Universal Insurance Holdings' value of 38.94% is 304.4% above this industry median. Based on the distribution chart, Universal Insurance Holdings ranks #122 out of 502 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 53/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Universal Insurance Holdings' FCF Margin % compare to SAFT and HGTY?
According to the Insurance industry distribution chart, Universal Insurance Holdings ranks #122 out of 502 companies for FCF Margin %. This places Universal Insurance Holdings in the top 24% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 9.63. Universal Insurance Holdings' value of 38.94% is 304.4% above this benchmark. Historically, Universal Insurance Holdings' own FCF Margin % has ranged from 1.13 to 31.97 over the past decade. While the company's 10-year median is 18.38 vs. the industry median of 9.63, 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 FCF Margin % for an Insurance company?
The median FCF Margin % among Insurance companies is 9.63, based on 502 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Universal Insurance Holdings's current FCF Margin % of 38.94% is 304.4% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Universal Insurance Holdings and its competitors. For the Insurance industry, the median FCF Margin % is 9.63 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Universal Insurance Holdings's current FCF Margin % is 38.94%, which is 112% above median its own 10-year median of 18.38. 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 €34.80 — trading 79.5% above its estimated fair value. The current FCF Margin % is 38.94%, which is 112% above median its 10-year median of 18.38 and 304.4% above the Insurance industry median of 9.63. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Universal Insurance Holdings (FRA:5UI), the current FCF Margin % is 38.94% 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 €34.80 is trading 79.5% above its estimated GF Value™ of €19.39.
GuruFocus considers Universal Insurance Holdings to be Significantly Overvalued.
Key valuation signals for FRA:5UI:
FCF Margin %: 38.94% (112% above median its 10-year median of 18.38)
GF Value™: €19.39 vs. price of €34.80 (79.5% above fair value)
Industry Position: 304.4% above the Insurance median (#122 of 502)
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.
53GF Score
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