Universal Insurance Holdings (FRA:5UI) Forward PE Ratio Explanation
The Forward PE Ratio of a company is often used to compare current earnings to estimated future earnings, as well as gaining a clearer picture of what earnings will look like without charges and other accounting adjustments. If earnings are expected to grow in the future, the Forward PE Ratio will be lower than the current PE Ratio. This measure is also used to compare one company to another with a forward-looking focus.
Trailing PE Ratio relies on what is already done. It uses the current share price and divides by the total EPS (Basic) over the past 12 months. PE Ratio can be affected by Non Operating Income such as the sale of part of businesses. This may increase for the current year or quarter dramatically. But it cannot be repeated over and over. Therefore PE Ratio without NRI is a more accurate indication of valuation than PE Ratio .
Universal Insurance Holdings Forward PE Ratio Related Terms
Universal Insurance Holdings Forward PE Ratio 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.
Universal Insurance Holdings Forward PE Ratio Chart
Universal Insurance Holdings Annual Data
Trend
2024-12
2025-12
Forward PE Ratio
9.33
10.11
Universal Insurance Holdings Quarterly Data
2024-12
2025-03
2025-06
2025-09
2025-12
2026-03
Forward PE Ratio
9.33
8.50
10.16
8.82
10.11
8.75
FRA:5UI vs ASIC, SAFT, TRUP: Forward PE Ratio Comparison
For the Insurance - Property & Casualty subindustry, Universal Insurance Holdings's Forward PE Ratio, along with its competitors' market caps and Forward PE Ratio 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 Forward PE Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Universal Insurance Holdings's Forward PE Ratio distribution charts can be found below:
* The bar in red indicates where Universal Insurance Holdings's Forward PE Ratio falls into.
Universal Insurance Holdings Forward PE Ratio Calculation
It's a measure of the price-to-earnings ratio (PE Ratio) using forecasted earnings for the calculation. While the earnings used are just an estimate and are not as reliable as current earnings data, there is still benefit in estimated P/E analysis. The forecasted earnings used in the formula can either be for the next 12 months or for the next full-year fiscal period.
Universal Insurance Holdings (FRA:5UI) has a Forward PE Ratio of 8.45 as of Jul. 11, 2026. Forward P/E ratio is the share price dividend by the expected per-share earnings in the next 12 months. View historical data on Universal Insurance Holdings and its competitors. According to the industry distribution chart, Universal Insurance Holdings ranks #75 out of 274 companies in the Insurance industry, placing it in the top 27.4%.
Is Universal Insurance Holdings' Forward PE Ratio too high?
Universal Insurance Holdings' current Forward PE Ratio is 8.45. The Insurance industry median Forward PE Ratio is 11.77. Universal Insurance Holdings' value of 8.45 is 28.2% below this industry median. Based on the distribution chart, Universal Insurance Holdings ranks #75 out of 274 companies in the Insurance industry, which is above the industry midpoint. Overall, Universal Insurance Holdings has a GF Score™ of 60/100, reflecting its overall financial health beyond just this single metric.
How does Universal Insurance Holdings' Forward PE Ratio compare to ASIC and SAFT?
According to the Insurance industry distribution chart, Universal Insurance Holdings ranks #75 out of 274 companies for Forward PE Ratio. This puts Universal Insurance Holdings in the upper half of its industry. The industry median Forward PE Ratio is 11.77. Universal Insurance Holdings' value of 8.45 is 28.2% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Forward PE Ratio for an Insurance company?
The median Forward PE Ratio among Insurance companies is 11.77, based on 274 companies in the industry. Companies in the top quartile (top 25%) have a Forward PE Ratio significantly above this median, while those in the bottom quartile fall well below. However, Forward PE Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Universal Insurance Holdings's current Forward PE Ratio of 8.45 is 28.2% 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 Forward PE Ratio mean?
A high Forward PE Ratio can signal that a stock is expensive relative to its fundamentals. Forward P/E ratio is the share price dividend by the expected per-share earnings in the next 12 months. View historical data on Universal Insurance Holdings and its competitors. For the Insurance industry, the median Forward PE Ratio is 11.77 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Universal Insurance Holdings's current Forward PE Ratio is 8.45. 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 Forward PE Ratio of 8.45. The stock's GF Value™ is €19.88, compared to a current price of €36.20 — trading 82.1% above its estimated fair value. The current Forward PE Ratio is 8.45 and 28.2% below the Insurance industry median of 11.77. Universal Insurance Holdings' overall GF Score™ is 60/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Forward PE Ratio calculated?
Forward PE Ratio is calculated from a company's financial statements. For Universal Insurance Holdings (FRA:5UI), the current Forward PE Ratio is 8.45 as of Jul. 11, 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 82.1% above its estimated GF Value™ of €19.88.
Key valuation signals for FRA:5UI:
Forward PE Ratio: 8.45
GF Value™: €19.88 vs. price of €36.20 (82.1% above fair value)
Industry Position: 28.2% below the Insurance median (#75 of 274)
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.
60GF Score
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Forward PE Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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