UNIVERSAL INSURANCE HOLDINGS (UVE) Stock Fundamental Analysis
USA - NYSE:UVE - US91359V1070 - Common Stock
25.82 USD
+0.02 (+0.08%)
We assign a fundamental rating of 5 out of 10 to UVE. UVE was compared to 146 industry peers in the Insurance industry. UVE scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. UVE is valued quite cheap, while showing a decent growth score. This is a good combination!
1. Profitability
1.1 Basic Checks
UVE had positive earnings in the past year.
In the past year UVE had a positive cash flow from operations.
Of the past 5 years UVE 4 years were profitable.
In the past 5 years UVE always reported a positive cash flow from operatings.
1.2 Ratios
UVE has a Return On Assets of 2.03%. This is comparable to the rest of the industry: UVE outperforms 53.42% of its industry peers.
UVE has a better Return On Equity (14.50%) than 71.23% of its industry peers.
With a Return On Invested Capital value of 2.21%, UVE perfoms like the industry average, outperforming 49.32% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.03% | ||
| ROE | 14.5% | ||
| ROIC | 2.21% |
ROA(3y)1.4%
ROA(5y)1.25%
ROE(3y)9.21%
ROE(5y)7.32%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of UVE (4.23%) is worse than 66.44% of its industry peers.
UVE's Profit Margin has declined in the last couple of years.
The Operating Margin of UVE (6.22%) is worse than 70.55% of its industry peers.
UVE's Operating Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 6.22% | ||
| PM (TTM) | 4.23% | ||
| GM | N/A |
OM growth 3Y32.18%
OM growth 5Y-2.45%
PM growth 3Y28.68%
PM growth 5Y-4.78%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), UVE is destroying value.
The number of shares outstanding for UVE has been reduced compared to 1 year ago.
UVE has less shares outstanding than it did 5 years ago.
UVE has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of UVE is 0.38, which is an excellent value as it means it would take UVE, only 0.38 years of fcf income to pay off all of its debts.
UVE has a Debt to FCF ratio of 0.38. This is amongst the best in the industry. UVE outperforms 84.93% of its industry peers.
UVE has a Debt/Equity ratio of 0.22. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of UVE (0.22) is better than 67.12% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.22 | ||
| Debt/FCF | 0.38 | ||
| Altman-Z | N/A |
ROIC/WACC0.27
WACC8.14%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
UVE shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -13.10%.
UVE shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 10.18% yearly.
The Revenue has been growing slightly by 5.64% in the past year.
Measured over the past years, UVE shows a quite strong growth in Revenue. The Revenue has been growing by 10.11% on average per year.
EPS 1Y (TTM)-13.1%
EPS 3Y44.23%
EPS 5Y10.18%
EPS Q2Q%4.24%
Revenue 1Y (TTM)5.64%
Revenue growth 3Y10.67%
Revenue growth 5Y10.11%
Sales Q2Q%16%
3.2 Future
The Earnings Per Share is expected to grow by 25.93% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 6.44% on average over the next years.
EPS Next Y46.36%
EPS Next 2Y29.19%
EPS Next 3Y25.93%
EPS Next 5YN/A
Revenue Next Year14.4%
Revenue Next 2Y6.44%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 11.79, the valuation of UVE can be described as very reasonable.
The rest of the industry has a similar Price/Earnings ratio as UVE.
UVE's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.41.
The Price/Forward Earnings ratio is 8.74, which indicates a very decent valuation of UVE.
Based on the Price/Forward Earnings ratio, UVE is valued a bit cheaper than the industry average as 66.44% of the companies are valued more expensively.
UVE is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.87, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.79 | ||
| Fwd PE | 8.74 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, UVE is valued cheaper than 82.88% of the companies in the same industry.
85.62% of the companies in the same industry are more expensive than UVE, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.74 | ||
| EV/EBITDA | 4.48 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as UVE's earnings are expected to grow with 25.93% in the coming years.
PEG (NY)0.25
PEG (5Y)1.16
EPS Next 2Y29.19%
EPS Next 3Y25.93%
5. Dividend
5.1 Amount
UVE has a Yearly Dividend Yield of 2.49%.
UVE's Dividend Yield is a higher than the industry average which is at 3.44.
UVE's Dividend Yield is comparable with the S&P500 average which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.49% |
5.2 History
The dividend of UVE has a limited annual growth rate of 0.21%.
UVE has paid a dividend for at least 10 years, which is a reliable track record.
UVE has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)0.21%
Div Incr Years0
Div Non Decr Years6
5.3 Sustainability
UVE pays out 33.76% of its income as dividend. This is a sustainable payout ratio.
UVE's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP33.76%
EPS Next 2Y29.19%
EPS Next 3Y25.93%
NYSE:UVE (9/23/2025, 12:28:43 PM)
25.82
+0.02 (+0.08%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners73.09%
Inst Owner Change3.8%
Ins Owners6.92%
Ins Owner Change5.31%
Market Cap731.22M
Analysts76.67
Price Target29.58 (14.56%)
Short Float %2.29%
Short Ratio2.62
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.49% |
Yearly Dividend0.78
Dividend Growth(5Y)0.21%
DP33.76%
Div Incr Years0
Div Non Decr Years6
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)10.94%
Min EPS beat(2)8.73%
Max EPS beat(2)13.15%
EPS beat(4)4
Avg EPS beat(4)59.55%
Min EPS beat(4)8.73%
Max EPS beat(4)191.21%
EPS beat(8)8
Avg EPS beat(8)46.15%
EPS beat(12)12
Avg EPS beat(12)53.46%
EPS beat(16)16
Avg EPS beat(16)43.85%
Revenue beat(2)2
Avg Revenue beat(2)10.1%
Min Revenue beat(2)10.06%
Max Revenue beat(2)10.14%
Revenue beat(4)4
Avg Revenue beat(4)7.34%
Min Revenue beat(4)0.1%
Max Revenue beat(4)10.14%
Revenue beat(8)8
Avg Revenue beat(8)6.13%
Revenue beat(12)11
Avg Revenue beat(12)5.46%
Revenue beat(16)14
Avg Revenue beat(16)4.82%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.39%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.63%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.99%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.79 | ||
| Fwd PE | 8.74 | ||
| P/S | 0.47 | ||
| P/FCF | 2.74 | ||
| P/OCF | 2.67 | ||
| P/B | 1.6 | ||
| P/tB | 1.6 | ||
| EV/EBITDA | 4.48 |
EPS(TTM)2.19
EY8.48%
EPS(NY)2.95
Fwd EY11.44%
FCF(TTM)9.42
FCFY36.48%
OCF(TTM)9.68
OCFY37.51%
SpS55.35
BVpS16.17
TBVpS16.17
PEG (NY)0.25
PEG (5Y)1.16
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.03% | ||
| ROE | 14.5% | ||
| ROCE | 3.04% | ||
| ROIC | 2.21% | ||
| ROICexc | 2.5% | ||
| ROICexgc | 3.98% | ||
| OM | 6.22% | ||
| PM (TTM) | 4.23% | ||
| GM | N/A | ||
| FCFM | 17.02% |
ROA(3y)1.4%
ROA(5y)1.25%
ROE(3y)9.21%
ROE(5y)7.32%
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 3Y37.31%
ROICexcg growth 5Y0.06%
ROICexc growth 3Y30%
ROICexc growth 5Y-3.1%
OM growth 3Y32.18%
OM growth 5Y-2.45%
PM growth 3Y28.68%
PM growth 5Y-4.78%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.48
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.22 | ||
| Debt/FCF | 0.38 | ||
| Debt/EBITDA | 0.97 | ||
| Cap/Depr | 122.95% | ||
| Cap/Sales | 0.48% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 264.66% | ||
| Profit Quality | 401.88% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC8.14%
ROIC/WACC0.27
Cap/Depr(3y)95.91%
Cap/Depr(5y)145.86%
Cap/Sales(3y)0.45%
Cap/Sales(5y)0.72%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-13.1%
EPS 3Y44.23%
EPS 5Y10.18%
EPS Q2Q%4.24%
EPS Next Y46.36%
EPS Next 2Y29.19%
EPS Next 3Y25.93%
EPS Next 5YN/A
Revenue 1Y (TTM)5.64%
Revenue growth 3Y10.67%
Revenue growth 5Y10.11%
Sales Q2Q%16%
Revenue Next Year14.4%
Revenue Next 2Y6.44%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-18.65%
EBIT growth 3Y46.28%
EBIT growth 5Y7.41%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y173.6%
FCF growth 3Y-17.58%
FCF growth 5Y11.94%
OCF growth 1Y172.91%
OCF growth 3Y-16.32%
OCF growth 5Y10.18%