Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Universal Insurance Holdings's 3-Year RORE % for the quarter that ended in Mar. 2026 was 40.40%.
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Universal Insurance Holdings 3-Year RORE % Related Terms
Universal Insurance Holdings 3-Year RORE % 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 RORE % Comparison
For the Insurance - Property & Casualty subindustry, Universal Insurance Holdings's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 RORE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Universal Insurance Holdings's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Universal Insurance Holdings's 3-Year RORE % 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 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.
Universal Insurance Holdings (FRA:5UI) has a 3-Year RORE % of 40.40 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Universal Insurance Holdings and its competitors. According to the industry distribution chart, Universal Insurance Holdings ranks #83 out of 475 companies in the Insurance industry, placing it in the top 17.5%.
Is Universal Insurance Holdings' 3-Year RORE % too high?
Universal Insurance Holdings' current 3-Year RORE % is 40.40. The Insurance industry median 3-Year RORE % is 11.70. Universal Insurance Holdings' value of 40.40 is 245.3% above this industry median. Based on the distribution chart, Universal Insurance Holdings ranks #83 out of 475 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 RORE % compare to ASIC and SAFT?
According to the Insurance industry distribution chart, Universal Insurance Holdings ranks #83 out of 475 companies for 3-Year RORE %. This places Universal Insurance Holdings in the top 18% of its industry — outperforming the majority of peers. The industry median 3-Year RORE % is 11.70. Universal Insurance Holdings' value of 40.40 is 245.3% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for an Insurance company?
The median 3-Year RORE % among Insurance companies is 11.70, based on 475 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Universal Insurance Holdings's current 3-Year RORE % of 40.40 is 245.3% 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 RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Universal Insurance Holdings and its competitors. For the Insurance industry, the median 3-Year RORE % is 11.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Universal Insurance Holdings's current 3-Year RORE % is 40.40. 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 RORE % of 40.40. The stock's GF Value™ is €19.82, compared to a current price of €36.80 — trading 85.7% above its estimated fair value. The current 3-Year RORE % is 40.40 and 245.3% above the Insurance industry median of 11.70. 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 RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Universal Insurance Holdings (FRA:5UI), the current 3-Year RORE % is 40.40 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 €36.80 is trading 85.7% above its estimated GF Value™ of €19.82.
Key valuation signals for FRA:5UI:
3-Year RORE %: 40.40
GF Value™: €19.82 vs. price of €36.80 (85.7% above fair value)
Industry Position: 245.3% above the Insurance median (#83 of 475)
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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