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Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities, calculated as total liabilities divided by total asset. Universal Insurance Holdings's Total Liabilities for the quarter that ended in Mar. 2026 was €1,890 Mil. Universal Insurance Holdings's Total Assets for the quarter that ended in Mar. 2026 was €2,396 Mil.
Therefore, Universal Insurance Holdings's Liabilities-to-Assets Ratio for the quarter that ended in Mar. 2026 was 0.79.
Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities. It can vary greatly across different industries, as they have different capital structure. A high Liabilities-to-Assets ratio (more leveraged) suggests that the company might have potential solvency problems, or even a signal of financial distress. Conversely, a low Liabilities-to-Assets ratio usually indicates a healthy financial situation. However, it may also suggest that the company is not expanding or not making good use of debt.
Universal Insurance Holdings Liabilities-to-Assets Related Terms
Universal Insurance Holdings Liabilities-to-Assets 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.
FRA:5UI vs ASIC, HGTY, TRUP: Liabilities-to-Assets Comparison
For the Insurance - Property & Casualty subindustry, Universal Insurance Holdings's Liabilities-to-Assets, along with its competitors' market caps and Liabilities-to-Assets 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 Liabilities-to-Assets vs Insurance Industry
For the Insurance industry and Financial Services sector, Universal Insurance Holdings's Liabilities-to-Assets distribution charts can be found below:
* The bar in red indicates where Universal Insurance Holdings's Liabilities-to-Assets falls into.
Liabilities-to-Assets ratio measures the portion of the total liabilities to the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Liabilities-to-Assets ratio is calculated by dividing total liabilities by total asset.
Universal Insurance Holdings's Liabilities-to-Assets Ratio for the fiscal year that ended in Dec. 2025 is calculated as:
* 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 Liabilities-to-Assets of 0.79 as of Mar. 2026. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Universal Insurance Holdings and its competitors.
Is Universal Insurance Holdings' Liabilities-to-Assets too high?
Universal Insurance Holdings' current Liabilities-to-Assets is 0.79. Overall, Universal Insurance Holdings has a GF Score™ of 55/100, reflecting its overall financial health beyond just this single metric.
How does Universal Insurance Holdings' Liabilities-to-Assets compare to ASIC and HGTY?
Universal Insurance Holdings' Liabilities-to-Assets of 0.79 can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Liabilities-to-Assets for an Insurance company?
A good Liabilities-to-Assets depends on the Insurance industry context. However, Liabilities-to-Assets 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 Liabilities-to-Assets mean?
A high Liabilities-to-Assets can signal that a stock is expensive relative to its fundamentals. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Universal Insurance Holdings and its competitors. Universal Insurance Holdings's current Liabilities-to-Assets is 0.79. 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 Liabilities-to-Assets of 0.79. The stock's GF Value™ is €20.09, compared to a current price of €38.60 — trading 92.1% above its estimated fair value. The current Liabilities-to-Assets is 0.79. Universal Insurance Holdings' overall GF Score™ is 55/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Liabilities-to-Assets calculated?
Liabilities-to-Assets is calculated from a company's financial statements. For Universal Insurance Holdings (FRA:5UI), the current Liabilities-to-Assets is 0.79 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 €38.60 is trading 92.1% above its estimated GF Value™ of €20.09.
Key valuation signals for FRA:5UI:
Liabilities-to-Assets: 0.79
GF Value™: €20.09 vs. price of €38.60 (92.1% 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.
55GF Score
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