Universal Insurance Holdings's quarterly market cap
increased
from Sep. 2025 (€617 Mil) to Dec. 2025 (€807 Mil) and
increased
from Dec. 2025 (€807 Mil) to Mar. 2026 (€820 Mil).
Universal Insurance Holdings's annual market cap
increased
from Dec. 2023 (€417 Mil) to Dec. 2024 (€553 Mil) and
increased
from Dec. 2024 (€553 Mil) to Dec. 2025 (€807 Mil).
Enterprise Value is the theoretical takeover price. It is more comprehensive than market capitalization (market cap), which only includes common equity. Enterprise Value is calculated as the market cap plus debt and minority interest and preferred shares, minus total cash and cash equivalents. Universal Insurance Holdings's Enterprise Value for Today is €574 Mil.
Universal Insurance Holdings (STU:5UI) Market Cap Explanation
Market cap is not the real price you pay for a company. If you buy the company and become its owner, you become the owner of the cash the company has, and you also assume the companys debt. The real price you pay is the Enterprise Value.
Warren Buffett uses the ratio of total market cap of all public traded companies over GDP to measure if the market is expensive. As of April 2012, the US total market cap is about $14.7 trillion, while the US GDP is about $15 trillion. The market was modestly overvalued.
Universal Insurance Holdings Market Cap Related Terms
Universal Insurance Holdings Market Cap 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.
STU:5UI vs SAFT, HGTY, TRUP: Market Cap Comparison
For the Insurance - Property & Casualty subindustry, Universal Insurance Holdings's Market Cap, along with its competitors' market caps and Market Cap 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 Market Cap vs Insurance Industry
For the Insurance industry and Financial Services sector, Universal Insurance Holdings's Market Cap distribution charts can be found below:
* The bar in red indicates where Universal Insurance Holdings's Market Cap falls into.
Universal Insurance Holdings Market Cap Calculation
Market cap is the short version of market capitalization. It is the total market value to buy the whole company. It is equal to the share price times the number of shares outstanding.
* 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 Market Cap of €1,010 Mil as of Jun. 27, 2026. Market cap equals the total value of a company's shares: price times shares outstanding. View historical data on Universal Insurance Holdings and its competitors. According to the industry distribution chart, Universal Insurance Holdings ranks #223 out of 519 companies in the Insurance industry, placing it in the top 43%.
Is Universal Insurance Holdings' Market Cap too high?
Universal Insurance Holdings' current Market Cap is €1,010 Mil. Based on the distribution chart, Universal Insurance Holdings ranks #223 out of 519 companies in the Insurance industry, which is above the industry midpoint. Overall, Universal Insurance Holdings has a GF Score™ of 68/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Universal Insurance Holdings' Market Cap compare to SAFT and HGTY?
According to the Insurance industry distribution chart, Universal Insurance Holdings ranks #223 out of 519 companies for Market Cap. This puts Universal Insurance Holdings in the upper half of its industry. The industry median Market Cap is 668.18. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Market Cap for an Insurance company?
The median Market Cap among Insurance companies is 668.18, based on 519 companies in the industry. Companies in the top quartile (top 25%) have a Market Cap significantly above this median, while those in the bottom quartile fall well below. However, Market Cap 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 Market Cap mean?
A high Market Cap can signal that a stock is expensive relative to its fundamentals. Market cap equals the total value of a company's shares: price times shares outstanding. View historical data on Universal Insurance Holdings and its competitors. For the Insurance industry, the median Market Cap is 668.18 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Universal Insurance Holdings's current Market Cap is €1,010 Mil. 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 Market Cap is €1,010 Mil. Universal Insurance Holdings' overall GF Score™ is 68/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Market Cap calculated?
Market Cap is calculated from a company's financial statements. For Universal Insurance Holdings (STU:5UI), the current Market Cap is €1,010 Mil as of Jun. 27, 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:
Market Cap: €1,010 Mil
GF Value™: €20.52 vs. price of €36.40 (77.4% above fair value)
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.
68GF Score
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