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UNIVERSAL INSURANCE HOLDINGS (UVE) Stock Fundamental Analysis

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

22.14  -0.04 (-0.18%)

Fundamental Rating

5

Overall UVE gets a fundamental rating of 5 out of 10. We evaluated UVE against 144 industry peers in the Insurance industry. UVE has an average financial health and profitability rating. UVE has a correct valuation and a medium growth rate. Finally UVE also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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4

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.
UVE had positive earnings in 4 of the past 5 years.
UVE had a positive operating cash flow in 4 of the past 5 years.
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 2024 0 100M 200M 300M

1.2 Ratios

The Return On Assets of UVE (2.75%) is better than 61.97% of its industry peers.
The Return On Equity of UVE (18.21%) is better than 78.17% of its industry peers.
UVE has a Return On Invested Capital of 3.11%. This is in the better half of the industry: UVE outperforms 64.79% of its industry peers.
Industry RankSector Rank
ROA 2.75%
ROE 18.21%
ROIC 3.11%
ROA(3y)1.4%
ROA(5y)1.25%
ROE(3y)9.21%
ROE(5y)7.32%
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 2024 0 10 20 30

1.3 Margins

UVE has a Profit Margin (4.82%) which is comparable to the rest of the industry.
In the last couple of years the Profit Margin of UVE has declined.
With a Operating Margin value of 7.26%, UVE perfoms like the industry average, outperforming 41.55% of the companies in the same industry.
In the last couple of years the Operating Margin of UVE has declined.
Industry RankSector Rank
OM 7.26%
PM (TTM) 4.82%
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
UVE Yearly Profit, Operating, Gross MarginsUVE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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.
Compared to 1 year ago, UVE has less shares outstanding
The number of shares outstanding for UVE has been reduced compared to 5 years ago.
The debt/assets ratio for UVE has been reduced compared to a year ago.
UVE Yearly Shares OutstandingUVE Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2024 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's Debt to FCF ratio of 0.44 is amongst the best of the industry. UVE outperforms 85.21% of its industry peers.
UVE has a Debt/Equity ratio of 0.25. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.25, UVE is in the better half of the industry, outperforming 66.90% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 0.44
Altman-Z N/A
ROIC/WACC0.38
WACC8.2%
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 2024 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 2024 50M 100M 150M

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5

3. Growth

3.1 Past

UVE shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -8.29%.
Measured over the past years, UVE shows a quite strong growth in Earnings Per Share. The EPS has been growing by 10.18% on average per year.
The Revenue has grown by 9.27% in the past year. This is quite good.
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)-8.29%
EPS 3Y44.23%
EPS 5Y10.18%
EPS Q2Q%-41.86%
Revenue 1Y (TTM)9.27%
Revenue growth 3Y10.67%
Revenue growth 5Y10.11%
Sales Q2Q%3.86%

3.2 Future

The Earnings Per Share is expected to grow by 22.39% on average over the next years. This is a very strong growth
Based on estimates for the next years, UVE will show a decrease in Revenue. The Revenue will decrease by 0.00% on average per year.
EPS Next Y29.82%
EPS Next 2Y22.39%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-3.84%
Revenue Next 2Y0%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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 500M 1B 1.5B
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

A Price/Earnings ratio of 12.51 indicates a correct valuation of UVE.
Compared to the rest of the industry, the Price/Earnings ratio of UVE is on the same level as its industry peers.
Compared to an average S&P500 Price/Earnings ratio of 29.98, UVE is valued rather cheaply.
With a Price/Forward Earnings ratio of 9.64, the valuation of UVE can be described as very reasonable.
64.79% of the companies in the same industry are more expensive than UVE, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 22.66. UVE is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 12.51
Fwd PE 9.64
UVE Price Earnings VS Forward Price EarningsUVE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of UVE indicates a rather cheap valuation: UVE is cheaper than 80.99% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 2.71
EV/EBITDA N/A
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

UVE's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
UVE's earnings are expected to grow with 22.39% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.42
PEG (5Y)1.23
EPS Next 2Y22.39%
EPS Next 3YN/A

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7

5. Dividend

5.1 Amount

UVE has a Yearly Dividend Yield of 2.89%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.06, UVE pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.30, UVE pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.89%

5.2 History

The dividend of UVE has a limited annual growth rate of 1.35%.
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)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 2025 0.2 0.4 0.6

5.3 Sustainability

UVE pays out 30.71% of its income as dividend. This is a sustainable payout ratio.
The dividend of UVE is growing, but earnings are growing more, so the dividend growth is sustainable.
DP30.71%
EPS Next 2Y22.39%
EPS Next 3YN/A
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 2024 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 (3/3/2025, 3:47:29 PM)

22.14

-0.04 (-0.18%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-25 2025-02-25/amc
Earnings (Next)04-23 2025-04-23/amc
Inst Owners67.8%
Inst Owner Change0.15%
Ins Owners5.5%
Ins Owner Change-1.27%
Market Cap626.34M
Analysts76.67
Price Target27.54 (24.39%)
Short Float %1.39%
Short Ratio2.7
Dividend
Industry RankSector Rank
Dividend Yield 2.89%
Yearly Dividend0.78
Dividend Growth(5Y)1.35%
DP30.71%
Div Incr Years0
Div Non Decr Years6
Ex-Date03-07 2025-03-07 (0.16)
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)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-10.53%
EPS NY rev (1m)0%
EPS NY rev (3m)6.43%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 12.51
Fwd PE 9.64
P/S 0.41
P/FCF 2.71
P/OCF 2.62
P/B 1.56
P/tB 1.57
EV/EBITDA N/A
EPS(TTM)1.77
EY7.99%
EPS(NY)2.3
Fwd EY10.38%
FCF(TTM)8.18
FCFY36.96%
OCF(TTM)8.45
OCFY38.17%
SpS53.42
BVpS14.15
TBVpS14.07
PEG (NY)0.42
PEG (5Y)1.23
Profitability
Industry RankSector Rank
ROA 2.75%
ROE 18.21%
ROCE 4.28%
ROIC 3.11%
ROICexc 3.57%
ROICexgc 4.82%
OM 7.26%
PM (TTM) 4.82%
GM N/A
FCFM 15.32%
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 3Y37.2%
ROICexcg growth 5Y0.01%
ROICexc growth 3Y29.97%
ROICexc growth 5Y-3.11%
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-Score6
Asset Turnover0.57
Health
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 0.44
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 0.5%
Interest Coverage 250
Cash Conversion N/A
Profit Quality 317.52%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC8.2%
ROIC/WACC0.38
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
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)-8.29%
EPS 3Y44.23%
EPS 5Y10.18%
EPS Q2Q%-41.86%
EPS Next Y29.82%
EPS Next 2Y22.39%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)9.27%
Revenue growth 3Y10.67%
Revenue growth 5Y10.11%
Sales Q2Q%3.86%
Revenue Next Year-3.84%
Revenue Next 2Y0%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y7.93%
EBIT growth 3Y46.28%
EBIT growth 5Y7.41%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y37.37%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y39.07%
OCF growth 3YN/A
OCF growth 5YN/A