UVV Fundamental Analysis - UNIVERSAL CORP/VA

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to UVV. UVV was compared to 8 industry peers in the Tobacco industry. UVV has an average financial health and profitability rating. UVV has a valuation in line with the averages, but it does not seem to be growing. UVV also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year UVV was profitable.

UVV had a positive operating cash flow in the past year.

UVV had positive earnings in each of the past 5 years.

In multiple years UVV reported negative operating cash flow during the last 5 years.

1.2 Ratios

Looking at the Return On Assets, with a value of 3.18%, UVV is doing worse than 62.50% of the companies in the same industry.

UVV's Return On Equity of 6.52% is fine compared to the rest of the industry. UVV outperforms 75.00% of its industry peers.

With a decent Return On Invested Capital value of 6.98%, UVV is doing good in the industry, outperforming 62.50% of the companies in the same industry.

Measured over the past 3 years, the Average Return On Invested Capital for UVV is significantly below the industry average of 14.23%.

The 3 year average ROIC (6.47%) for UVV is below the current ROIC(6.98%), indicating increased profibility in the last year.

		Industry Rank	Sector Rank
ROA	3.18%
ROE	6.52%
ROIC	6.98%

ROA(3y)3.98%

ROA(5y)3.81%

ROE(3y)7.91%

ROE(5y)7.37%

ROIC(3y)6.47%

ROIC(5y)6.26%

1.3 Margins

Looking at the Profit Margin, with a value of 3.22%, UVV is doing worse than 62.50% of the companies in the same industry.

In the last couple of years the Profit Margin of UVV has declined.

UVV has a Operating Margin (8.26%) which is comparable to the rest of the industry.

UVV's Operating Margin has improved in the last couple of years.

Looking at the Gross Margin, with a value of 18.62%, UVV is doing worse than 75.00% of the companies in the same industry.

UVV's Gross Margin has been stable in the last couple of years.

		Industry Rank	Sector Rank
OM	8.26%
PM (TTM)	3.22%
GM	18.62%

OM growth 3Y0.14%

OM growth 5Y2.72%

PM growth 3Y-7.81%

PM growth 5Y-2.99%

GM growth 3Y-1.41%

GM growth 5Y-0.14%

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), UVV is destroying value.

Compared to 1 year ago, UVV has more shares outstanding

Compared to 5 years ago, UVV has more shares outstanding

Compared to 1 year ago, UVV has a worse debt to assets ratio.

2.2 Solvency

An Altman-Z score of 2.89 indicates that UVV is not a great score, but indicates only limited risk for bankruptcy at the moment.

UVV has a better Altman-Z score (2.89) than 75.00% of its industry peers.

UVV has a debt to FCF ratio of 4.06. This is a neutral value as UVV would need 4.06 years to pay back of all of its debts.

UVV's Debt to FCF ratio of 4.06 is fine compared to the rest of the industry. UVV outperforms 62.50% of its industry peers.

UVV has a Debt/Equity ratio of 0.74. This is a neutral value indicating UVV is somewhat dependend on debt financing.

The Debt to Equity ratio of UVV (0.74) is comparable to the rest of the industry.

		Industry Rank	Sector Rank
Debt/Equity	0.74
Debt/FCF	4.06
Altman-Z	2.89

ROIC/WACC0.85

WACC8.25%

2.3 Liquidity

A Current Ratio of 2.87 indicates that UVV has no problem at all paying its short term obligations.

UVV's Current ratio of 2.87 is fine compared to the rest of the industry. UVV outperforms 75.00% of its industry peers.

UVV has a Quick Ratio of 1.32. This is a normal value and indicates that UVV is financially healthy and should not expect problems in meeting its short term obligations.

UVV's Quick ratio of 1.32 is fine compared to the rest of the industry. UVV outperforms 75.00% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	2.87
Quick Ratio	1.32

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for UVV have decreased strongly by -20.76% in the last year.

UVV shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 5.75% yearly.

UVV shows a small growth in Revenue. In the last year, the Revenue has grown by 7.23%.

Measured over the past years, UVV shows a quite strong growth in Revenue. The Revenue has been growing by 9.06% on average per year.

EPS 1Y (TTM)-20.76%

EPS 3Y2.88%

EPS 5Y5.75%

EPS Q2Q%-76.89%

Revenue 1Y (TTM)7.23%

Revenue growth 3Y11.9%

Revenue growth 5Y9.06%

Sales Q2Q%-8.9%

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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 14.14, which indicates a correct valuation of UVV.

UVV's Price/Earnings ratio is a bit cheaper when compared to the industry. UVV is cheaper than 75.00% of the companies in the same industry.

UVV is valuated rather cheaply when we compare the Price/Earnings ratio to 26.87, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	14.14
Fwd PE	N/A

4.2 Price Multiples

100.00% of the companies in the same industry are more expensive than UVV, based on the Enterprise Value to EBITDA ratio.

Based on the Price/Free Cash Flow ratio, UVV is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	5.01
EV/EBITDA	5.51

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)2.46

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 6.20%, UVV is a good candidate for dividend investing.

UVV's Dividend Yield is rather good when compared to the industry average which is at 3.68. UVV pays more dividend than 87.50% of the companies in the same industry.

Compared to an average S&P500 Dividend Yield of 2.39, UVV pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	6.2%

5.2 History

The dividend of UVV has a limited annual growth rate of 1.16%.

UVV has been paying a dividend for at least 10 years, so it has a reliable track record.

Dividend Growth(5Y)1.16%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

83.84% of the earnings are spent on dividend by UVV. This is not a sustainable payout ratio.

UVV's earnings are growing more than its dividend. This makes the dividend growth sustainable.

DP83.84%

EPS Next 2YN/A

EPS Next 3YN/A

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UNIVERSAL CORP/VA

NYSE:UVV (8/15/2025, 8:04:00 PM)

After market: 53.54 +0.09 (+0.17%)

53.45

+0.54 (+1.02%)

Chartmill FA Rating

GICS SectorConsumer Staples

GICS IndustryGroupFood, Beverage & Tobacco

GICS IndustryTobacco

Earnings (Last)08-05 2025-08-05

Earnings (Next)11-10 2025-11-10

Inst Owners84.81%

Inst Owner Change-3.95%

Ins Owners1.53%

Ins Owner Change7.05%

Market Cap1.33B

Analysts0

Price TargetN/A

Short Float %2.64%

Short Ratio2.14

Dividend

		Industry Rank	Sector Rank
Dividend Yield	6.2%

Yearly Dividend3.23

Dividend Growth(5Y)1.16%

DP83.84%

Div Incr Years0

Div Non Decr Years0

Ex-Date10-10 2025-10-10 (0.82)

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)N/A

PT rev (3m)N/A

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 Rank	Sector Rank
PE	14.14
Fwd PE	N/A
P/S	0.45
P/FCF	5.01
P/OCF	4.05
P/B	0.91
P/tB	1.12
EV/EBITDA	5.51

EPS(TTM)3.78

EY7.07%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)10.66

FCFY19.94%

OCF(TTM)13.18

OCFY24.67%

SpS118.84

BVpS58.81

TBVpS47.86

PEG (NY)N/A

PEG (5Y)2.46

Profitability

		Industry Rank	Sector Rank
ROA	3.18%
ROE	6.52%
ROCE	10.87%
ROIC	6.98%
ROICexc	7.72%
ROICexgc	8.69%
OM	8.26%
PM (TTM)	3.22%
GM	18.62%
FCFM	8.97%

ROA(3y)3.98%

ROA(5y)3.81%

ROE(3y)7.91%

ROE(5y)7.37%

ROIC(3y)6.47%

ROIC(5y)6.26%

ROICexc(3y)6.82%

ROICexc(5y)6.64%

ROICexgc(3y)7.71%

ROICexgc(5y)7.56%

ROCE(3y)9.75%

ROCE(5y)9.14%

ROICexcg growth 3Y6.6%

ROICexcg growth 5Y6.51%

ROICexc growth 3Y7.82%

ROICexc growth 5Y5.75%

OM growth 3Y0.14%

OM growth 5Y2.72%

PM growth 3Y-7.81%

PM growth 5Y-2.99%

GM growth 3Y-1.41%

GM growth 5Y-0.14%

F-Score5

Asset Turnover0.99

Health

		Industry Rank	Sector Rank
Debt/Equity	0.74
Debt/FCF	4.06
Debt/EBITDA	3.54
Cap/Depr	104.73%
Cap/Sales	2.12%
Interest Coverage	3.23
Cash Conversion	107.86%
Profit Quality	278.15%
Current Ratio	2.87
Quick Ratio	1.32
Altman-Z	2.89

F-Score5

WACC8.25%

ROIC/WACC0.85

Cap/Depr(3y)104.44%

Cap/Depr(5y)112.55%

Cap/Sales(3y)2.22%

Cap/Sales(5y)2.5%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-20.76%

EPS 3Y2.88%

EPS 5Y5.75%

EPS Q2Q%-76.89%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)7.23%

Revenue growth 3Y11.9%

Revenue growth 5Y9.06%

Sales Q2Q%-8.9%

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1Y7.91%

EBIT growth 3Y12.06%

EBIT growth 5Y12.03%

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y287.97%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y538.12%

OCF growth 3Y93.86%

OCF growth 5Y97.43%

UNIVERSAL CORP/VA (UVV) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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