3-Year Return on Invested Incremental Capital (3-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 3-year.
Universal Insurance Holdings's 3-Year ROIIC % for the quarter that ended in Dec. 2025 was 519.74%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Return on Incremental Invested Capital (ROIIC) is an extension of Return on Investment Capital (ROIC). ROIC % tells investors how efficiently that profitability is earned per dollar of company capital. ROIIC narrows the focus even further and shows how profitable each additional unit of capital investment could be. ROIIC % is a more powerful metric than ROIC because it measures how much money the company can generate going forward on future capital investments.
High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Be Aware
It's important to keep in mind that when tracking ROIIC, the metric is better suited to forecasting the trend of future returns rather than measuring current return on investment.
Universal Insurance Holdings 3-Year ROIIC % Related Terms
Universal Insurance Holdings 3-Year ROIIC % 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, SAFT, TRUP: 3-Year ROIIC % Comparison
For the Insurance - Property & Casualty subindustry, Universal Insurance Holdings's 3-Year ROIIC %, along with its competitors' market caps and 3-Year ROIIC % 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 3-Year ROIIC % vs Insurance Industry
For the Insurance industry and Financial Services sector, Universal Insurance Holdings's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Universal Insurance Holdings's 3-Year ROIIC % 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.
** Annual data of NOPAT and Invested Capital was used to calculate 3-Year ROIIC %.
*** Please be aware that the ROIIC (Return on Invested Capital) calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.
Universal Insurance Holdings (FRA:5UI) has a 3-Year ROIIC % of 519.74 as of Dec. 2025. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Universal Insurance Holdings and its competitors. This is 1935% above median its historical median of 25.54. Over the past decade, Universal Insurance Holdings' 3-Year ROIIC % has ranged from 5.39 to 519.74. According to the industry distribution chart, Universal Insurance Holdings ranks #4 out of 335 companies in the Insurance industry, placing it in the top 1.2%.
Is Universal Insurance Holdings' 3-Year ROIIC % too high?
Universal Insurance Holdings' current 3-Year ROIIC % of 519.74 is 1935% above median its 10-year median of 25.54. Over the past 10 years, this metric has ranged from a low of 5.39 to a high of 519.74. The Insurance industry median 3-Year ROIIC % is 5.20. Universal Insurance Holdings' value of 519.74 is 9895% above this industry median. Based on the distribution chart, Universal Insurance Holdings ranks #4 out of 335 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 62/100, reflecting its overall financial health beyond just this single metric.
How does Universal Insurance Holdings' 3-Year ROIIC % compare to ASIC and SAFT?
According to the Insurance industry distribution chart, Universal Insurance Holdings ranks #4 out of 335 companies for 3-Year ROIIC %. This places Universal Insurance Holdings in the top 1% of its industry — outperforming the majority of peers. The industry median 3-Year ROIIC % is 5.20. Universal Insurance Holdings' value of 519.74 is 9895% above this benchmark. Historically, Universal Insurance Holdings' own 3-Year ROIIC % has ranged from 5.39 to 519.74 over the past decade. While the company's 10-year median is 25.54 vs. the industry median of 5.20, 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 3-Year ROIIC % for an Insurance company?
The median 3-Year ROIIC % among Insurance companies is 5.20, based on 335 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year ROIIC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Universal Insurance Holdings's current 3-Year ROIIC % of 519.74 is 9895% 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 3-Year ROIIC % mean?
A high 3-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Universal Insurance Holdings and its competitors. For the Insurance industry, the median 3-Year ROIIC % is 5.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Universal Insurance Holdings's current 3-Year ROIIC % is 519.74, which is 1935% above median its own 10-year median of 25.54. 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 3-Year ROIIC % of 519.74. The stock's GF Value™ is €20.04, compared to a current price of €37.20 — trading 85.6% above its estimated fair value. The current 3-Year ROIIC % is 519.74, which is 1935% above median its 10-year median of 25.54 and 9895% above the Insurance industry median of 5.20. Universal Insurance Holdings' overall GF Score™ is 62/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year ROIIC % calculated?
3-Year ROIIC % is calculated from a company's financial statements. For Universal Insurance Holdings (FRA:5UI), the current 3-Year ROIIC % is 519.74 as of Dec. 2025. 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 €37.20 is trading 85.6% above its estimated GF Value™ of €20.04.
Key valuation signals for FRA:5UI:
3-Year ROIIC %: 519.74 (1935% above median its 10-year median of 25.54)
GF Value™: €20.04 vs. price of €37.20 (85.6% above fair value)
Industry Position: 9895% above the Insurance median (#4 of 335)
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.
62GF Score
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