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UNIVERSAL INSURANCE HOLDINGS (UVE) Stock Fundamental Analysis

NYSE:UVE - New York Stock Exchange, Inc. - US91359V1070 - Common Stock - Currency: USD

19.31  -0.21 (-1.08%)

Fundamental Rating

4

Taking everything into account, UVE scores 4 out of 10 in our fundamental rating. UVE was compared to 144 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 has a correct valuation and a medium growth rate. UVE also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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3

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.
UVE Yearly Net Income VS EBIT VS OCF VS FCFUVE 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 2023 0 100M 200M 300M

1.2 Ratios

UVE's Return On Assets of 2.75% is fine compared to the rest of the industry. UVE outperforms 61.27% of its industry peers.
UVE has a better Return On Equity (18.21%) than 75.35% of its industry peers.
With a decent Return On Invested Capital value of 3.24%, UVE is doing good in the industry, outperforming 66.90% of the companies in the same industry.
Industry RankSector Rank
ROA 2.75%
ROE 18.21%
ROIC 3.24%
ROA(3y)1.03%
ROA(5y)1.38%
ROE(3y)5.53%
ROE(5y)6.05%
ROIC(3y)N/A
ROIC(5y)N/A
UVE Yearly ROA, ROE, ROICUVE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 10 20 30

1.3 Margins

Looking at the Profit Margin, with a value of 4.82%, UVE is doing worse than 61.97% of the companies in the same industry.
In the last couple of years the Profit Margin of UVE has declined.
UVE has a Operating Margin of 7.26%. This is in the lower half of the industry: UVE underperforms 60.56% of its industry peers.
UVE's Operating Margin has declined in the last couple of years.
Industry RankSector Rank
OM 7.26%
PM (TTM) 4.82%
GM N/A
OM growth 3Y44.39%
OM growth 5Y-18.15%
PM growth 3Y39.19%
PM growth 5Y-19.5%
GM growth 3YN/A
GM growth 5YN/A
UVE Yearly Profit, Operating, Gross MarginsUVE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 10 20 30

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4

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.
Compared to 5 years ago, UVE has less shares outstanding
Compared to 1 year ago, UVE has a worse debt to assets ratio.
UVE Yearly Shares OutstandingUVE Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M
UVE Yearly Total Debt VS Total AssetsUVE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 500M 1B 1.5B 2B 2.5B

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 has a Debt to FCF ratio of 0.44. This is amongst the best in the industry. UVE outperforms 85.92% of its industry peers.
A Debt/Equity ratio of 0.25 indicates that UVE is not too dependend on debt financing.
With a decent Debt to Equity ratio value of 0.25, UVE is doing good in the industry, outperforming 64.79% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 0.44
Altman-Z N/A
ROIC/WACC0.39
WACC8.33%
UVE Yearly LT Debt VS Equity VS FCFUVE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 100M 200M 300M 400M 500M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
UVE Yearly Current Assets VS Current LiabilitesUVE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 50M 100M 150M

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4

3. Growth

3.1 Past

The earnings per share for UVE have decreased strongly by -12.16% in the last year.
Measured over the past years, UVE shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -10.71% on average per year.
UVE shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 12.23%.
The Revenue has been growing by 11.05% on average over the past years. This is quite good.
EPS 1Y (TTM)-12.16%
EPS 3Y54.58%
EPS 5Y-10.71%
EPS Q2Q%-356.25%
Revenue 1Y (TTM)12.23%
Revenue growth 3Y9.06%
Revenue growth 5Y11.05%
Sales Q2Q%-3.98%

3.2 Future

UVE is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 11.16% yearly.
Based on estimates for the next years, UVE will show a decrease in Revenue. The Revenue will decrease by -0.10% on average per year.
EPS Next Y-18.62%
EPS Next 2Y9.11%
EPS Next 3Y11.16%
EPS Next 5YN/A
Revenue Next Year-0.29%
Revenue Next 2Y-2.08%
Revenue Next 3Y-0.1%
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.
UVE Yearly Revenue VS EstimatesUVE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 200M 400M 600M 800M 1B
UVE Yearly EPS VS EstimatesUVE Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0 1 -1 2 3

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6

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 9.90, the valuation of UVE can be described as reasonable.
Based on the Price/Earnings ratio, UVE is valued a bit cheaper than the industry average as 66.20% of the companies are valued more expensively.
UVE's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.51.
UVE is valuated reasonably with a Price/Forward Earnings ratio of 8.40.
UVE's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. UVE is cheaper than 69.01% of the companies in the same industry.
UVE is valuated cheaply when we compare the Price/Forward Earnings ratio to 93.88, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 9.9
Fwd PE 8.4
UVE Price Earnings VS Forward Price EarningsUVE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, UVE is valued cheaply inside the industry as 89.44% of the companies are valued more expensively.
83.10% of the companies in the same industry are more expensive than UVE, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 2.36
EV/EBITDA 2.74
UVE Per share dataUVE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40 50

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y9.11%
EPS Next 3Y11.16%

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7

5. Dividend

5.1 Amount

UVE has a Yearly Dividend Yield of 3.31%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.10, UVE pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.27, UVE pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.31%

5.2 History

The dividend of UVE has a limited annual growth rate of 1.35%.
UVE has been paying a dividend for at least 10 years, so it has 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)1.35%
Div Incr Years0
Div Non Decr Years6
UVE Yearly Dividends per shareUVE Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0.2 0.4 0.6

5.3 Sustainability

30.71% of the earnings are spent on dividend by UVE. This is a low number and sustainable payout ratio.
UVE's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP30.71%
EPS Next 2Y9.11%
EPS Next 3Y11.16%
UVE Yearly Income VS Free CF VS DividendUVE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 100M 200M 300M
UVE Dividend Payout.UVE Dividend Payout, showing the Payout Ratio.UVE Dividend Payout.PayoutRetained Earnings

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UNIVERSAL INSURANCE HOLDINGS

NYSE:UVE (1/31/2025, 2:33:26 PM)

19.31

-0.21 (-1.08%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)10-24 2024-10-24/amc
Earnings (Next)02-20 2025-02-20/amc
Inst Owners69.42%
Inst Owner Change1.76%
Ins Owners6.01%
Ins Owner Change-4.82%
Market Cap546.28M
Analysts76.67
Price Target27.54 (42.62%)
Short Float %1.22%
Short Ratio2.16
Dividend
Industry RankSector Rank
Dividend Yield 3.31%
Yearly Dividend0.78
Dividend Growth(5Y)1.35%
DP30.71%
Div Incr Years0
Div Non Decr Years6
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)19.54%
Min EPS beat(2)13.98%
Max EPS beat(2)25.1%
EPS beat(4)4
Avg EPS beat(4)27.69%
Min EPS beat(4)1.38%
Max EPS beat(4)70.3%
EPS beat(8)8
Avg EPS beat(8)52.49%
EPS beat(12)12
Avg EPS beat(12)38.65%
EPS beat(16)16
Avg EPS beat(16)33.83%
Revenue beat(2)2
Avg Revenue beat(2)0.26%
Min Revenue beat(2)0.1%
Max Revenue beat(2)0.43%
Revenue beat(4)4
Avg Revenue beat(4)2.31%
Min Revenue beat(4)0.1%
Max Revenue beat(4)7.51%
Revenue beat(8)7
Avg Revenue beat(8)3.36%
Revenue beat(12)10
Avg Revenue beat(12)3.9%
Revenue beat(16)14
Avg Revenue beat(16)4.02%
PT rev (1m)0%
PT rev (3m)8%
EPS NQ rev (1m)0%
EPS NQ rev (3m)58.33%
EPS NY rev (1m)0%
EPS NY rev (3m)-20.26%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-8.37%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-6.62%
Valuation
Industry RankSector Rank
PE 9.9
Fwd PE 8.4
P/S 0.36
P/FCF 2.36
P/OCF 2.29
P/B 1.36
P/tB 1.37
EV/EBITDA 2.74
EPS(TTM)1.95
EY10.1%
EPS(NY)2.3
Fwd EY11.9%
FCF(TTM)8.18
FCFY42.37%
OCF(TTM)8.45
OCFY43.76%
SpS53.42
BVpS14.15
TBVpS14.07
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 2.75%
ROE 18.21%
ROCE 4.28%
ROIC 3.24%
ROICexc 3.72%
ROICexgc 5.02%
OM 7.26%
PM (TTM) 4.82%
GM N/A
FCFM 15.32%
ROA(3y)1.03%
ROA(5y)1.38%
ROE(3y)5.53%
ROE(5y)6.05%
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 3Y49.12%
ROICexcg growth 5Y-12.93%
ROICexc growth 3Y48.63%
ROICexc growth 5Y-10.76%
OM growth 3Y44.39%
OM growth 5Y-18.15%
PM growth 3Y39.19%
PM growth 5Y-19.5%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.57
Health
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 0.44
Debt/EBITDA 0.87
Cap/Depr 103.87%
Cap/Sales 0.5%
Interest Coverage 250
Cash Conversion 204.38%
Profit Quality 317.52%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC8.33%
ROIC/WACC0.39
Cap/Depr(3y)75.48%
Cap/Depr(5y)161.54%
Cap/Sales(3y)0.44%
Cap/Sales(5y)0.85%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-12.16%
EPS 3Y54.58%
EPS 5Y-10.71%
EPS Q2Q%-356.25%
EPS Next Y-18.62%
EPS Next 2Y9.11%
EPS Next 3Y11.16%
EPS Next 5YN/A
Revenue 1Y (TTM)12.23%
Revenue growth 3Y9.06%
Revenue growth 5Y11.05%
Sales Q2Q%-3.98%
Revenue Next Year-0.29%
Revenue Next 2Y-2.08%
Revenue Next 3Y-0.1%
Revenue Next 5YN/A
EBIT growth 1Y7.93%
EBIT growth 3Y57.47%
EBIT growth 5Y-9.1%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y30.85%
FCF growth 3Y76.87%
FCF growth 5Y-20.96%
OCF growth 1Y30.21%
OCF growth 3Y34.3%
OCF growth 5Y-20.96%