Universal Insurance Holdings has the GF Score of 57, which implies that the company
might have
Poor future performance potential.
The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.
GF Score takes following five key aspects into consideration:
Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.
Based on research and backtesting result, GuruFocus believes Universal Insurance Holdings
might have
Poor future performance potential.
Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.
Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:
GF Score
Performance Potential and All-in-One Screener Examples (1)
(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.
Universal Insurance Holdings GF Score Related Terms
FRA:5UI vs ASIC, SAFT, TRUP: GF Score Comparison
For the Insurance - Property & Casualty subindustry, Universal Insurance Holdings's GF Score, along with its competitors' market caps and GF Score 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 GF Score vs Insurance Industry
For the Insurance industry and Financial Services sector, Universal Insurance Holdings's GF Score distribution charts can be found below:
* The bar in red indicates where Universal Insurance Holdings's GF Score falls into.
Universal Insurance Holdings (FRA:5UI) has a GF Score of 57 as of Jun. 29, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Universal Insurance Holdings and its competitors. This is 23% below median its historical median of 74.00. Over the past decade, Universal Insurance Holdings' GF Score has ranged from 22.00 to 89.00.
Is Universal Insurance Holdings' GF Score too high?
Universal Insurance Holdings' current GF Score of 57 is 23% below median its 10-year median of 74.00. Over the past 10 years, this metric has ranged from a low of 22.00 to a high of 89.00. Overall, Universal Insurance Holdings has a GF Score™ of 57/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Universal Insurance Holdings' GF Score compare to ASIC and SAFT?
Universal Insurance Holdings' GF Score of 57 can be compared against companies in the Insurance industry. Historically, Universal Insurance Holdings' own GF Score has ranged from 22.00 to 89.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for an Insurance company?
A good GF Score depends on the Insurance industry context. However, GF Score 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 GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Universal Insurance Holdings and its competitors. Universal Insurance Holdings's current GF Score is 57, which is 23% below median its own 10-year median of 74.00. 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 €19.51, compared to a current price of €34.60 — trading 77.3% above its estimated fair value. The current GF Score is 57, which is 23% below median its 10-year median of 74.00. Universal Insurance Holdings' overall GF Score™ is 57/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is GF Score calculated?
GF Score is calculated from a company's financial statements. For Universal Insurance Holdings (FRA:5UI), the current GF Score is 57 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 (FRA:5UI) Overvalued in 2026?
Based on GuruFocus' analysis, Universal Insurance Holdings stock appears to be overvalued.
The current stock price of €34.60 is trading 77.3% above its estimated GF Value™ of €19.51.
GuruFocus considers Universal Insurance Holdings to be Significantly Overvalued.
Key valuation signals for FRA:5UI:
GF Score: 57 (23% below median its 10-year median of 74.00)
GF Value™: €19.51 vs. price of €34.60 (77.3% above fair value)
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.
57GF Score
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