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The historical rank and industry rank for Universal Insurance Holdings's Shiller PE Ratio or its related term are showing as below:
FRA:5UI'
s Shiller PE Ratio Range Over the Past 10 Years
Min: 4.14 Med: 9.83 Max: 25.42
Current: 15.85
During the past years, Universal Insurance Holdings's highest Shiller PE Ratio was 25.42. The lowest was 4.14. And the median was 9.83.
FRA:5UI's Shiller PE Ratio is ranked better than 53.78% of 370
companies
in the Insurance industry
Industry Median: 16.715
vs FRA:5UI: 15.85
E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.
Universal Insurance Holdings's adjusted earnings per share data for the three months ended in Jun. 2026 was €1.771. Add all the adjusted EPS for the past 10 years together and divide 10 will get our E10, which is €2.42 for the trailing ten years ended in Jun. 2026.
Shiller PE for Stocks: The True Measure of Stock Valuation
Universal Insurance Holdings (FRA:5UI) Shiller PE Ratio Explanation
Compared with the regular PE Ratio, which works poorly for cyclical businesses, the Shiller PE Ratio smoothed out the fluctuations of profit margins during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Shiller PE Ratio should give similar results to regular PE Ratio.
Compared with the PS Ratio, the Shiller PE Ratio makes the comparison between different industries more meaningful.
Be Aware
Shiller PE Ratio assumes that over the long term, businesses and profitability revert to their means. If a company's business model does not work in the future compared with the past, Shiller PE Ratio and PS Ratio will give false valuations.
Universal Insurance Holdings Shiller PE Ratio Related Terms
Universal Insurance Holdings Shiller PE 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.
Universal Insurance Holdings Shiller PE Ratio Chart
FRA:5UI vs ASIC, TRUP, BOW: Shiller PE Ratio Comparison
For the Insurance - Property & Casualty subindustry, Universal Insurance Holdings's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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 Shiller PE Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Universal Insurance Holdings's Shiller PE Ratio distribution charts can be found below:
* The bar in red indicates where Universal Insurance Holdings's Shiller PE Ratio falls into.
Universal Insurance Holdings Shiller PE Ratio Calculation
For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller PE Ratio is also called PE10.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.
* 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.
Add all the adjusted EPS together and divide 10 will get our E10.
Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.
Universal Insurance Holdings (FRA:5UI) has a Shiller PE Ratio of 15.21 as of Aug. 31, 2026. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on Universal Insurance Holdings and its competitors. This is 55% above median its historical median of 9.83. Over the past decade, Universal Insurance Holdings' Shiller PE Ratio has ranged from 4.14 to 25.42. According to the industry distribution chart, Universal Insurance Holdings ranks #171 out of 370 companies in the Insurance industry, placing it in the top 46.2%.
Is Universal Insurance Holdings' Shiller PE Ratio too high?
Universal Insurance Holdings' current Shiller PE Ratio of 15.21 is 55% above median its 10-year median of 9.83. Over the past 10 years, this metric has ranged from a low of 4.14 to a high of 25.42. The Insurance industry median Shiller PE Ratio is 16.72. Universal Insurance Holdings' value of 15.21 is 9% below this industry median. Based on the distribution chart, Universal Insurance Holdings ranks #171 out of 370 companies in the Insurance industry, which is above the industry midpoint. Overall, Universal Insurance Holdings has a GF Score™ of 66/100, reflecting its overall financial health beyond just this single metric.
How does Universal Insurance Holdings' Shiller PE Ratio compare to ASIC and TRUP?
According to the Insurance industry distribution chart, Universal Insurance Holdings ranks #171 out of 370 companies for Shiller PE Ratio. This puts Universal Insurance Holdings in the upper half of its industry. The industry median Shiller PE Ratio is 16.72. Universal Insurance Holdings' value of 15.21 is 9% below this benchmark. Historically, Universal Insurance Holdings' own Shiller PE Ratio has ranged from 4.14 to 25.42 over the past decade. While the company's 10-year median is 9.83 vs. the industry median of 16.72, Universal Insurance Holdings has consistently been below 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 Shiller PE Ratio for an Insurance company?
The median Shiller PE Ratio among Insurance companies is 16.72, based on 370 companies in the industry. Companies in the top quartile (top 25%) have a Shiller PE Ratio significantly above this median, while those in the bottom quartile fall well below. However, Shiller PE Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Universal Insurance Holdings's current Shiller PE Ratio of 15.21 is 9% below 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 Shiller PE Ratio mean?
A high Shiller PE Ratio can signal that a stock is expensive relative to its fundamentals. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on Universal Insurance Holdings and its competitors. For the Insurance industry, the median Shiller PE Ratio is 16.72 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Universal Insurance Holdings's current Shiller PE Ratio is 15.21, which is 55% above median its own 10-year median of 9.83. 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 Shiller PE Ratio of 15.21. The stock's GF Value™ is €31.85, compared to a current price of €36.80 — trading 15.5% above its estimated fair value. The current Shiller PE Ratio is 15.21, which is 55% above median its 10-year median of 9.83 and 9% below the Insurance industry median of 16.72. Universal Insurance Holdings' overall GF Score™ is 66/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Shiller PE Ratio calculated?
Shiller PE Ratio is calculated from a company's financial statements. For Universal Insurance Holdings (FRA:5UI), the current Shiller PE Ratio is 15.21 as of Aug. 31, 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 15.5% above its estimated GF Value™ of €31.85.
Key valuation signals for FRA:5UI:
Shiller PE Ratio: 15.21 (55% above median its 10-year median of 9.83)
GF Value™: €31.85 vs. price of €36.80 (15.5% above fair value)
Industry Position: 9% below the Insurance median (#171 of 370)
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.
66GF Score
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Shiller PE Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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