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Universal Insurance HoldingsFRA:5UI 66 3-Year Share Buyback Ratio is 2.70 as of Jun. 2026, which is 1250% above its 10-year median of 0.20. GuruFocus rates FRA:5UI with a GF Score™ of 66/100 and a GF Value™ of €31.39. The stock has 8 warning signs investors should review. Among 280 Insurance companies, Universal Insurance Holdings ranks better than 80.71% on this metric.
Shares Outstanding (EOP) are shares that have been authorized, issued, and purchased by investors and are held by them.
3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. A positive ratio may indicate share buybacks over the period, while a zero or negative ratio may reflect no repurchases or potential share issuance. Universal Insurance Holdings's current 3-Year Share Buyback Ratio was 2.70%.
The historical rank and industry rank for Universal Insurance Holdings's 3-Year Share Buyback Ratio or its related term are showing as below:
FRA:5UI'
s 3-Year Share Buyback Ratio Range Over the Past 10 Years
Min: -33.6 Med: 0.2 Max: 4.9
Current: 2.7
During the past 13 years, Universal Insurance Holdings's highest 3-Year Share Buyback Ratio was 4.90%. The lowest was -33.60%. And the median was 0.20%.
FRA:5UI's 3-Year Share Buyback Ratio is ranked better than 80.71% of 280
companies
in the Insurance industry
Industry Median: -0.1
vs FRA:5UI: 2.70
Universal Insurance Holdings (FRA:5UI) 3-Year Share Buyback Ratio Explanation
A negative number means the company might be issuing new shares. A positive number indicates that the company is buying back shares.
Be Aware
Investors usually like share buybacks. But as pointed by Warren Buffett, only if a company buys back shares at the prices below the stock's intrinsic value, it rewards remaining shareholders. If a company buys its overvalued stocks back, it destroys shareholder value.
Universal Insurance Holdings 3-Year Share Buyback Ratio Related Terms
FRA:5UI vs ASIC, HGTY, TRUP: 3-Year Share Buyback Ratio Comparison
For the Insurance - Property & Casualty subindustry, Universal Insurance Holdings's 3-Year Share Buyback Ratio, along with its competitors' market caps and 3-Year Share Buyback 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 3-Year Share Buyback Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Universal Insurance Holdings's 3-Year Share Buyback Ratio distribution charts can be found below:
* The bar in red indicates where Universal Insurance Holdings's 3-Year Share Buyback Ratio falls into.
Universal Insurance Holdings 3-Year Share Buyback Ratio Calculation
This is the annualized percentage change in shares outstanding from three years ago to the current year. The annualized percentage change is calculated with expontential compound based on the latest four years of annual data on Shares Outstanding (EOP).
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average dividends per share growth rate.
What does a 3-Year Share Buyback Ratio of 2.70 mean?
Universal Insurance Holdings (FRA:5UI) has a 3-Year Share Buyback Ratio of 2.70 as of Jun. 2026. The 3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. View historical data for Universal Insurance Holdings and its competitors. This is 1250% above median its historical median of 0.20. According to the industry distribution chart, Universal Insurance Holdings ranks #54 out of 280 companies in the Insurance industry, placing it in the top 19.3%.
Is Universal Insurance Holdings' 3-Year Share Buyback Ratio too high?
Universal Insurance Holdings' current 3-Year Share Buyback Ratio of 2.70 is 1250% above median its 10-year median of 0.20. Based on the distribution chart, Universal Insurance Holdings ranks #54 out of 280 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 66/100, reflecting its overall financial health beyond just this single metric.
How does Universal Insurance Holdings' 3-Year Share Buyback Ratio compare to ASIC and HGTY?
According to the Insurance industry distribution chart, Universal Insurance Holdings ranks #54 out of 280 companies for 3-Year Share Buyback Ratio. This places Universal Insurance Holdings in the top 19% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Share Buyback Ratio for an Insurance company?
A good 3-Year Share Buyback Ratio depends on the Insurance industry context. However, 3-Year Share Buyback Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Share Buyback Ratio mean?
A high 3-Year Share Buyback Ratio can signal that a stock is expensive relative to its fundamentals. The 3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. View historical data for Universal Insurance Holdings and its competitors. Universal Insurance Holdings's current 3-Year Share Buyback Ratio is 2.70, which is 1250% above median its own 10-year median of 0.20. 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 Share Buyback Ratio of 2.70. The stock's GF Value™ is €31.39, compared to a current price of €38.00 — trading 21.1% above its estimated fair value. The current 3-Year Share Buyback Ratio is 2.70, which is 1250% above median its 10-year median of 0.20. 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 3-Year Share Buyback Ratio calculated?
3-Year Share Buyback Ratio is calculated from a company's financial statements. For Universal Insurance Holdings (FRA:5UI), the current 3-Year Share Buyback Ratio is 2.70 as of Jun. 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 €38.00 is trading 21.1% above its estimated GF Value™ of €31.39.
Key valuation signals for FRA:5UI:
3-Year Share Buyback Ratio: 2.70 (1250% above median its 10-year median of 0.20)
GF Value™: €31.39 vs. price of €38.00 (21.1% above fair value)
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
Get the complete analysis for FRA:5UI
3-Year Share Buyback Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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