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UNITED INSURANCE HOLDINGS CO (UIHC) Stock Fundamental Analysis

NASDAQ:UIHC - Nasdaq - US9107101027 - Common Stock - Currency: USD

7.93  +0.1 (+1.28%)

After market: 7.75 -0.18 (-2.27%)

Fundamental Rating

0

Overall UIHC gets a fundamental rating of 0 out of 10. We evaluated UIHC against 143 industry peers in the Insurance industry. UIHC has a bad profitability rating. Also its financial health evaluation is rather negative. UIHC is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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1. Profitability

1.1 Basic Checks

In the past year UIHC has reported negative net income.
UIHC had a negative operating cash flow in the past year.
In the past 5 years UIHC reported 4 times negative net income.
In multiple years UIHC reported negative operating cash flow during the last 5 years.
UIHC Yearly Net Income VS EBIT VS OCF VS FCFUIHC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 0 -200M -400M

1.2 Ratios

The profitability ratios for UIHC are negative, so there is not much use analyzing them.
Industry RankSector Rank
ROA N/A
ROE N/A
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
UIHC Yearly ROA, ROE, ROICUIHC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 0 50 100 150 200 250

1.3 Margins

The Profit Margin and Operating Margin and Gross Margin are not available for UIHC so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
UIHC Yearly Profit, Operating, Gross MarginsUIHC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 0 -20 -40 -60 -80 -100

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2. Health

2.1 Basic Checks

UIHC does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for UIHC has been increased compared to 1 year ago.
Compared to 1 year ago, UIHC has an improved debt to assets ratio.
UIHC Yearly Shares OutstandingUIHC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 10M 20M 30M 40M
UIHC Yearly Total Debt VS Total AssetsUIHC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 500M 1B 1.5B 2B 2.5B

2.2 Solvency

UIHC has a Debt/Equity ratio of 1.78. This is a high value indicating a heavy dependency on external financing.
UIHC has a Debt to Equity ratio of 1.78. This is amonst the worse of the industry: UIHC underperforms 90.65% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.78
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC7.63%
UIHC Yearly LT Debt VS Equity VS FCFUIHC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 0 200M -200M 400M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
UIHC Yearly Current Assets VS Current LiabilitesUIHC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2017 2018 2019 2020 2021 2022 50M 100M 150M 200M 250M

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3. Growth

3.1 Past

UIHC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -418.40%.
UIHC shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -20.52%.
Measured over the past years, UIHC shows a decrease in Revenue. The Revenue has been decreasing by -6.99% on average per year.
EPS 1Y (TTM)-418.4%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%204.41%
Revenue 1Y (TTM)-20.52%
Revenue growth 3Y-17.97%
Revenue growth 5Y-6.99%
Sales Q2Q%1.64%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
UIHC Yearly Revenue VS EstimatesUIHC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 200M 400M 600M 800M
UIHC Yearly EPS VS EstimatesUIHC Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 0 1 -1 2 -2

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for UIHC. In the last year negative earnings were reported.
Industry RankSector Rank
PE N/A
Fwd PE N/A
UIHC Price Earnings VS Forward Price EarningsUIHC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0 0 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
UIHC Per share dataUIHC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 -5 10

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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5. Dividend

5.1 Amount

UIHC does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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UNITED INSURANCE HOLDINGS CO

NASDAQ:UIHC (8/14/2023, 8:00:03 PM)

After market: 7.75 -0.18 (-2.27%)

7.93

+0.1 (+1.28%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)08-10 2023-08-10/amc
Earnings (Next)11-07 2023-11-07/amc
Inst Owners25.35%
Inst Owner Change0.06%
Ins Owners1.19%
Ins Owner Change0%
Market Cap343.17M
Analysts45.71
Price Target1.94 (-75.54%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0.06
Dividend Growth(5Y)-26.51%
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.75
P/FCF N/A
P/OCF N/A
P/B 4.11
P/tB 28
EV/EBITDA N/A
EPS(TTM)-8.45
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-5.97
FCFYN/A
OCF(TTM)-5.92
OCFYN/A
SpS10.56
BVpS1.93
TBVpS0.28
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA N/A
ROE N/A
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score1
Asset Turnover0.32
Health
Industry RankSector Rank
Debt/Equity 1.78
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 7.85%
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score1
WACC7.63%
ROIC/WACCN/A
Cap/Depr(3y)52.02%
Cap/Depr(5y)72.15%
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-418.4%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%204.41%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-20.52%
Revenue growth 3Y-17.97%
Revenue growth 5Y-6.99%
Sales Q2Q%1.64%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-278.21%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-150.9%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-170.73%
OCF growth 3YN/A
OCF growth 5YN/A