What is Universal Insurance Holdings OCF Margin %?
Universal Insurance HoldingsFRA:5UI +0.60%53 OCF Margin % is 39.34% as of Mar. 2026, which is 104% above its 10-year median of 19.30. 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 73.9% 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: OCF Margin % Comparison
For the Insurance - Property & Casualty subindustry, Universal Insurance Holdings's OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Universal Insurance Holdings's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Universal Insurance Holdings's OCF 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 OCF Margin % of 39.34% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Universal Insurance Holdings and its competitors. This is 104% above median its historical median of 19.30. Over the past decade, Universal Insurance Holdings' OCF Margin % has ranged from 2.74 to 32.58. According to the industry distribution chart, Universal Insurance Holdings ranks #131 out of 502 companies in the Insurance industry, placing it in the top 26.1%.
Is Universal Insurance Holdings' OCF Margin % too high?
Universal Insurance Holdings' current OCF Margin % of 39.34% is 104% above median its 10-year median of 19.30. Over the past 10 years, this metric has ranged from a low of 2.74 to a high of 32.58. The Insurance industry median OCF Margin % is 10.86. Universal Insurance Holdings' value of 39.34% is 262.4% above this industry median. Based on the distribution chart, Universal Insurance Holdings ranks #131 out of 502 companies in the Insurance industry, which is above the industry midpoint. 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' OCF Margin % compare to SAFT and HGTY?
According to the Insurance industry distribution chart, Universal Insurance Holdings ranks #131 out of 502 companies for OCF Margin %. This puts Universal Insurance Holdings in the upper half of its industry. The industry median OCF Margin % is 10.86. Universal Insurance Holdings' value of 39.34% is 262.4% above this benchmark. Historically, Universal Insurance Holdings' own OCF Margin % has ranged from 2.74 to 32.58 over the past decade. While the company's 10-year median is 19.30 vs. the industry median of 10.86, 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 OCF Margin % for an Insurance company?
The median OCF Margin % among Insurance companies is 10.86, based on 502 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Universal Insurance Holdings's current OCF Margin % of 39.34% is 262.4% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Universal Insurance Holdings and its competitors. For the Insurance industry, the median OCF Margin % is 10.86 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Universal Insurance Holdings's current OCF Margin % is 39.34%, which is 104% above median its own 10-year median of 19.30. 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 €33.40 — trading 72.3% above its estimated fair value. The current OCF Margin % is 39.34%, which is 104% above median its 10-year median of 19.30 and 262.4% above the Insurance industry median of 10.86. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Universal Insurance Holdings (FRA:5UI), the current OCF Margin % is 39.34% 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 €33.40 is trading 72.3% above its estimated GF Value™ of €19.39.
GuruFocus considers Universal Insurance Holdings to be Significantly Overvalued.
Key valuation signals for FRA:5UI:
OCF Margin %: 39.34% (104% above median its 10-year median of 19.30)
GF Value™: €19.39 vs. price of €33.40 (72.3% above fair value)
Industry Position: 262.4% above the Insurance median (#131 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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