Universal Insurance HoldingsSTU:5UI +7.83%68 PB Ratio is 1.98 as of Jun. 24, 2026, which is 25% above its 10-year median of 1.58. GuruFocus rates STU:5UI with a GF Score™ of 68/100 and a GF Value™ of €19.27 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 499 Insurance companies, Universal Insurance Holdings ranks worse than 66.13% on this metric.
Universal Insurance Holdings Inc stock PB Ratio (=1.91) is close to 5-year high of 2.04.
The historical rank and industry rank for Universal Insurance Holdings's PB Ratio or its related term are showing as below:
STU:5UI'
s PB Ratio Range Over the Past 10 Years
Min: 0.8 Med: 1.58 Max: 3.44
Current: 2.06
During the past 13 years, Universal Insurance Holdings's highest PB Ratio was 3.44. The lowest was 0.80. And the median was 1.58.
STU:5UI's PB Ratio is ranked worse than 66.13% of 499
companies
in the Insurance industry
Industry Median: 1.39
vs STU:5UI: 2.06
During the past 12 months, Universal Insurance Holdings's average Book Value Per Share Growth Rate was 39.80% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 27.60% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 4.90% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 3.70% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Universal Insurance Holdings was 167.50% per year. The lowest was -30.10% per year. And the median was 17.60% per year.
Back to Basics: PB Ratio
Universal Insurance Holdings (STU:5UI) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Universal Insurance Holdings PB Ratio Related Terms
Universal Insurance Holdings PB 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.
For the Insurance - Property & Casualty subindustry, Universal Insurance Holdings's PB Ratio, along with its competitors' market caps and PB 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 PB Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Universal Insurance Holdings's PB Ratio distribution charts can be found below:
* The bar in red indicates where Universal Insurance Holdings's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Universal Insurance Holdings (STU:5UI) has a PB Ratio of 1.98 as of Jun. 24, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Universal Insurance Holdings and its competitors. This is 25% above median its historical median of 1.58. Over the past decade, Universal Insurance Holdings' PB Ratio has ranged from 0.80 to 3.44. According to the industry distribution chart, Universal Insurance Holdings ranks #330 out of 499 companies in the Insurance industry, placing it in the top 66.1%.
Is Universal Insurance Holdings' PB Ratio too high?
Universal Insurance Holdings' current PB Ratio of 1.98 is 25% above median its 10-year median of 1.58. Over the past 10 years, this metric has ranged from a low of 0.80 to a high of 3.44. The Insurance industry median PB Ratio is 1.39. Universal Insurance Holdings' value of 1.98 is 42.4% above this industry median. Based on the distribution chart, Universal Insurance Holdings ranks #330 out of 499 companies in the Insurance industry, which is below 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' PB Ratio compare to SAFT and HGTY?
According to the Insurance industry distribution chart, Universal Insurance Holdings ranks #330 out of 499 companies for PB Ratio. This places Universal Insurance Holdings in the lower half of its industry. The industry median PB Ratio is 1.39. Universal Insurance Holdings' value of 1.98 is 42.4% above this benchmark. Historically, Universal Insurance Holdings' own PB Ratio has ranged from 0.80 to 3.44 over the past decade. While the company's 10-year median is 1.58 vs. the industry median of 1.39, 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 PB Ratio for an Insurance company?
The median PB Ratio among Insurance companies is 1.39, based on 499 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Universal Insurance Holdings's current PB Ratio of 1.98 is 42.4% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Universal Insurance Holdings and its competitors. For the Insurance industry, the median PB Ratio is 1.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Universal Insurance Holdings's current PB Ratio is 1.98, which is 25% above median its own 10-year median of 1.58. 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 €19.27, compared to a current price of €35.80 — trading 85.8% above its estimated fair value. The current PB Ratio is 1.98, which is 25% above median its 10-year median of 1.58 and 42.4% above the Insurance industry median of 1.39. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Universal Insurance Holdings (STU:5UI), the current PB Ratio is 1.98 as of Jun. 24, 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 €35.80 is trading 85.8% above its estimated GF Value™ of €19.27.
GuruFocus considers Universal Insurance Holdings to be Significantly Overvalued.
Key valuation signals for STU:5UI:
PB Ratio: 1.98 (25% above median its 10-year median of 1.58)
GF Value™: €19.27 vs. price of €35.80 (85.8% above fair value)
Industry Position: 42.4% above the Insurance median (#330 of 499)
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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