ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Universal Insurance Holdings's annualizedNet Income for the quarter that ended in Mar. 2026 was €188 Mil.
Universal Insurance Holdings's average Total Assets over the quarter that ended in Mar. 2026 was €2,410 Mil. Therefore, Universal Insurance Holdings's annualized ROA % for the quarter that ended in Mar. 2026 was 7.79%.
The historical rank and industry rank for Universal Insurance Holdings's ROA % or its related term are showing as below:
FRA:5UI'
s ROA % Range Over the Past 10 Years
Min: -0.9 Med: 2.59 Max: 9.68
Current: 6.66
During the past 13 years, Universal Insurance Holdings's highest ROA % was 9.68%. The lowest was -0.90%. And the median was 2.59%.
FRA:5UI's ROA % is ranked better than 84.45% of 508
companies
in the Insurance industry
Industry Median: 2.7
vs FRA:5UI: 6.66
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Universal Insurance Holdings ROA % Related Terms
Universal Insurance Holdings ROA % 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Insurance Industry
For the Insurance industry and Financial Services sector, Universal Insurance Holdings's ROA % distribution charts can be found below:
* The bar in red indicates where Universal Insurance Holdings's ROA % 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.
In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
ROA % is displayed in the 30-year financial page.
Universal Insurance Holdings (FRA:5UI) has a ROA % of 7.79% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Universal Insurance Holdings and its competitors. This is 201% above median its historical median of 2.59. According to the industry distribution chart, Universal Insurance Holdings ranks #79 out of 508 companies in the Insurance industry, placing it in the top 15.6%.
Is Universal Insurance Holdings' ROA % too high?
Universal Insurance Holdings' current ROA % of 7.79% is 201% above median its 10-year median of 2.59. The Insurance industry median ROA % is 2.70. Universal Insurance Holdings' value of 7.79% is 188.5% above this industry median. Based on the distribution chart, Universal Insurance Holdings ranks #79 out of 508 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. 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' ROA % compare to SAFT and HGTY?
According to the Insurance industry distribution chart, Universal Insurance Holdings ranks #79 out of 508 companies for ROA %. This places Universal Insurance Holdings in the top 16% of its industry — outperforming the majority of peers. The industry median ROA % is 2.70. Universal Insurance Holdings' value of 7.79% is 188.5% above this benchmark. While the company's 10-year median is 2.59 vs. the industry median of 2.70, 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 ROA % for an Insurance company?
The median ROA % among Insurance companies is 2.70, based on 508 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Universal Insurance Holdings's current ROA % of 7.79% is 188.5% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Universal Insurance Holdings and its competitors. For the Insurance industry, the median ROA % is 2.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Universal Insurance Holdings's current ROA % is 7.79%, which is 201% above median its own 10-year median of 2.59. 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 ROA % is 7.79%, which is 201% above median its 10-year median of 2.59 and 188.5% above the Insurance industry median of 2.70. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For Universal Insurance Holdings (FRA:5UI), the current ROA % is 7.79% 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 €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:
ROA %: 7.79% (201% above median its 10-year median of 2.59)
GF Value™: €19.39 vs. price of €33.40 (72.3% above fair value)
Industry Position: 188.5% above the Insurance median (#79 of 508)
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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