UNIVERSAL INSURANCE HOLDINGS (UVE) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:UVE - US91359V1070 - Common Stock
29.53 USD
+0.07 (+0.24%)
29.53 USD
0 (0%)
UVE gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 149 industry peers in the Insurance industry. Both the profitability and the financial health of UVE get a neutral evaluation. Nothing too spectacular is happening here. UVE may be a bit undervalued, certainly considering the very reasonable score on growth
1. Profitability
1.1 Basic Checks
- In the past year UVE was profitable.
- UVE had a positive operating cash flow in the past year.
- Of the past 5 years UVE 4 years were profitable.
- Each year in the past 5 years UVE had a positive operating cash flow.
1.2 Ratios
- With a decent Return On Assets value of 3.96%, UVE is doing good in the industry, outperforming 75.17% of the companies in the same industry.
- The Return On Equity of UVE (24.72%) is better than 90.60% of its industry peers.
- UVE's Return On Invested Capital of 4.06% is fine compared to the rest of the industry. UVE outperforms 65.77% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.96% | ||
| ROE | 24.72% | ||
| ROIC | 4.06% |
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 (7.74%) is comparable to the rest of the industry.
- UVE's Profit Margin has declined in the last couple of years.
- With a Operating Margin value of 10.65%, UVE perfoms like the industry average, outperforming 43.62% of the companies in the same industry.
- UVE's Operating Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 10.65% | ||
| PM (TTM) | 7.74% | ||
| 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
- The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so 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.
- Compared to 1 year ago, UVE has an improved debt to assets ratio.
2.2 Solvency
- The Debt to FCF ratio of UVE is 0.44, which is an excellent value as it means it would take UVE, only 0.44 years of fcf income to pay off all of its debts.
- UVE's Debt to FCF ratio of 0.44 is amongst the best of the industry. UVE outperforms 83.89% of its industry peers.
- A Debt/Equity ratio of 0.22 indicates that UVE is not too dependend on debt financing.
- UVE has a better Debt to Equity ratio (0.22) than 67.79% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.22 | ||
| Debt/FCF | 0.44 | ||
| Altman-Z | N/A |
ROIC/WACC0.49
WACC8.35%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 119.49% over the past year.
- 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 4.61% in the past year.
- UVE shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.11% yearly.
EPS 1Y (TTM)119.49%
EPS 3Y44.23%
EPS 5Y10.18%
EPS Q2Q%286.3%
Revenue 1Y (TTM)4.61%
Revenue growth 3Y10.67%
Revenue growth 5Y10.11%
Sales Q2Q%4.03%
3.2 Future
- Based on estimates for the next years, UVE will show a very strong growth in Earnings Per Share. The EPS will grow by 28.86% on average per year.
- Based on estimates for the next years, UVE will show a small growth in Revenue. The Revenue will grow by 6.44% on average per year.
EPS Next Y164.2%
EPS Next 2Y38.05%
EPS Next 3Y28.86%
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.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 6.90, the valuation of UVE can be described as very cheap.
- 77.85% of the companies in the same industry are more expensive than UVE, based on the Price/Earnings ratio.
- UVE's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.32.
- With a Price/Forward Earnings ratio of 8.75, the valuation of UVE can be described as very reasonable.
- UVE's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. UVE is cheaper than 64.43% of the companies in the same industry.
- UVE's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.30.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.9 | ||
| Fwd PE | 8.75 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, UVE is valued cheaply inside the industry as 87.25% of the companies are valued more expensively.
- UVE's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. UVE is cheaper than 79.19% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.36 | ||
| EV/EBITDA | 3 |
4.3 Compensation for Growth
- UVE's 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 28.86% in the coming years.
PEG (NY)0.04
PEG (5Y)0.68
EPS Next 2Y38.05%
EPS Next 3Y28.86%
5. Dividend
5.1 Amount
- UVE has a Yearly Dividend Yield of 2.14%. Purely for dividend investing, there may be better candidates out there.
- Compared to an average industry Dividend Yield of 2.53, UVE has a dividend in line with its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.86, UVE has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.14% |
5.2 History
- The dividend of UVE has a limited annual growth rate of 0.21%.
- UVE has been paying a dividend for at least 10 years, so it has a reliable track record.
- As UVE did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)0.21%
Div Incr Years0
Div Non Decr Years6
5.3 Sustainability
- 17.83% of the earnings are spent on dividend by UVE. This is a low number and sustainable payout ratio.
- The dividend of UVE is growing, but earnings are growing more, so the dividend growth is sustainable.
DP17.83%
EPS Next 2Y38.05%
EPS Next 3Y28.86%
29.53
+0.07 (+0.24%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)10-23 2025-10-23/amc
Earnings (Next)02-23 2026-02-23/amc
Inst Owners75.05%
Inst Owner Change-0.16%
Ins Owners6.32%
Ins Owner Change7.84%
Market Cap828.32M
Revenue(TTM)1.58B
Net Income(TTM)122.37M
Analysts80
Price Target40.8 (38.16%)
Short Float %2.01%
Short Ratio2.77
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.14% |
Yearly Dividend0.78
Dividend Growth(5Y)0.21%
DP17.83%
Div Incr Years0
Div Non Decr Years6
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)15.57%
Min EPS beat(2)8.73%
Max EPS beat(2)22.41%
EPS beat(4)4
Avg EPS beat(4)58.88%
Min EPS beat(4)8.73%
Max EPS beat(4)191.21%
EPS beat(8)8
Avg EPS beat(8)43.28%
EPS beat(12)12
Avg EPS beat(12)54.62%
EPS beat(16)16
Avg EPS beat(16)43.71%
Revenue beat(2)1
Avg Revenue beat(2)3.63%
Min Revenue beat(2)-2.8%
Max Revenue beat(2)10.06%
Revenue beat(4)3
Avg Revenue beat(4)6.62%
Min Revenue beat(4)-2.8%
Max Revenue beat(4)10.14%
Revenue beat(8)7
Avg Revenue beat(8)4.46%
Revenue beat(12)10
Avg Revenue beat(12)4.45%
Revenue beat(16)13
Avg Revenue beat(16)4.58%
PT rev (1m)14.29%
PT rev (3m)37.93%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.45%
EPS NY rev (1m)0%
EPS NY rev (3m)76.05%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.9 | ||
| Fwd PE | 8.75 | ||
| P/S | 0.52 | ||
| P/FCF | 3.36 | ||
| P/OCF | 3.27 | ||
| P/B | 1.67 | ||
| P/tB | 1.67 | ||
| EV/EBITDA | 3 |
EPS(TTM)4.28
EY14.49%
EPS(NY)3.37
Fwd EY11.42%
FCF(TTM)8.79
FCFY29.76%
OCF(TTM)9.03
OCFY30.59%
SpS56.36
BVpS17.65
TBVpS17.65
PEG (NY)0.04
PEG (5Y)0.68
Graham Number41.23
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.96% | ||
| ROE | 24.72% | ||
| ROCE | 5.6% | ||
| ROIC | 4.06% | ||
| ROICexc | 4.69% | ||
| ROICexgc | 6.82% | ||
| OM | 10.65% | ||
| PM (TTM) | 7.74% | ||
| GM | N/A | ||
| FCFM | 15.6% |
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
ROICexgc growth 3Y37.31%
ROICexgc 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-Score8
Asset Turnover0.51
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.22 | ||
| Debt/FCF | 0.44 | ||
| Debt/EBITDA | 0.61 | ||
| Cap/Depr | 112.49% | ||
| Cap/Sales | 0.44% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 145.21% | ||
| Profit Quality | 201.46% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC8.35%
ROIC/WACC0.49
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)119.49%
EPS 3Y44.23%
EPS 5Y10.18%
EPS Q2Q%286.3%
EPS Next Y164.2%
EPS Next 2Y38.05%
EPS Next 3Y28.86%
EPS Next 5YN/A
Revenue 1Y (TTM)4.61%
Revenue growth 3Y10.67%
Revenue growth 5Y10.11%
Sales Q2Q%4.03%
Revenue Next Year14.4%
Revenue Next 2Y6.44%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y53.4%
EBIT growth 3Y46.28%
EBIT growth 5Y7.41%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y46.31%
FCF growth 3Y-17.58%
FCF growth 5Y11.94%
OCF growth 1Y47.42%
OCF growth 3Y-16.32%
OCF growth 5Y10.18%
UNIVERSAL INSURANCE HOLDINGS / UVE FAQ
Can you provide the ChartMill fundamental rating for UNIVERSAL INSURANCE HOLDINGS?
ChartMill assigns a fundamental rating of 5 / 10 to UVE.
What is the valuation status for UVE stock?
ChartMill assigns a valuation rating of 8 / 10 to UNIVERSAL INSURANCE HOLDINGS (UVE). This can be considered as Undervalued.
Can you provide the profitability details for UNIVERSAL INSURANCE HOLDINGS?
UNIVERSAL INSURANCE HOLDINGS (UVE) has a profitability rating of 4 / 10.
What are the PE and PB ratios of UNIVERSAL INSURANCE HOLDINGS (UVE) stock?
The Price/Earnings (PE) ratio for UNIVERSAL INSURANCE HOLDINGS (UVE) is 6.9 and the Price/Book (PB) ratio is 1.67.
Can you provide the dividend sustainability for UVE stock?
The dividend rating of UNIVERSAL INSURANCE HOLDINGS (UVE) is 6 / 10 and the dividend payout ratio is 17.83%.