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Price (delayed)
$20.64
Market cap
$583.83M
P/E Ratio
8.19
Dividend/share
$0.77
EPS
$2.52
Enterprise value
$282.95M
Universal Insurance Holdings (UVE) is a holding company offering property and casualty insurance and value-added insurance services. The company develops, markets, and writes insurance products for consumers predominantly in the
Highlights
The equity rose by 33% YoY
The revenue has grown by 12% YoY
The EPS is down by 13% QoQ but it is up by 7% YoY
UVE's net income is down by 12% from the previous quarter
The price to earnings (P/E) is 8% higher than the last 4 quarters average of 7.6
Key stats
What are the main financial stats of UVE
Market
Valuations
Earnings
Shares outstanding
28.29M
Market cap
$583.83M
Enterprise value
$282.95M
Price to book (P/B)
1.47
Price to sales (P/S)
0.39
EV/EBIT
2.58
EV/EBITDA
2.42
EV/Sales
0.19
Revenue
$1.51B
Gross profit
$435.69M
Net income
$72.91M
EBIT
$109.66M
EBITDA
$116.97M
Free cash flow
$231.52M
Per share
Balance sheet
Liquidity
EPS
$2.52
EPS diluted
$2.46
Free cash flow per share
$8.16
Book value per share
$14.05
Revenue per share
$53.3
TBVPS
$93.48
Total assets
$2.65B
Total liabilities
$2.25B
Debt
$101.43M
Equity
$400.25M
Working capital
N/A
Debt to equity
0.25
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-2.57
Margins
Efficiency
Dividend
EBITDA margin
7.7%
Gross margin
28.8%
Net margin
4.8%
Operating margin
7.3%
Return on assets
3%
Return on equity
19.4%
Return on invested capital
5.1%
Return on capital employed
N/A
Return on sales
7.3%
Dividend yield
3.73%
DPS
$0.77
Payout ratio
30.6%
UVE stock price
How has the Universal Insurance Holdings stock price performed over time
Intraday
0.24%
1 week
-2.92%
1 month
-7.36%
1 year
25.78%
YTD
29.16%
QTD
-6.86%
Financial performance
How have Universal Insurance Holdings's revenue and profit performed over time
Revenue
$1.51B
Gross profit
$435.69M
Operating income
$109.66M
Net income
$72.91M
Gross margin
28.8%
Net margin
4.8%
Universal Insurance Holdings's net margin has decreased by 14% from the previous quarter and by 9% YoY
UVE's net income is down by 12% from the previous quarter
The revenue has grown by 12% YoY
The operating margin has declined by 10% since the previous quarter and by 3.9% year-on-year
Growth
What is Universal Insurance Holdings's growth rate over time
Valuation
What is Universal Insurance Holdings stock price valuation
P/E
8.19
P/B
1.47
P/S
0.39
EV/EBIT
2.58
EV/EBITDA
2.42
EV/Sales
0.19
The EPS is down by 13% QoQ but it is up by 7% YoY
The price to earnings (P/E) is 8% higher than the last 4 quarters average of 7.6
The equity rose by 33% YoY
The stock's price to book (P/B) is 23% more than its 5-year quarterly average of 1.2 but 2% less than its last 4 quarters average of 1.5
The revenue has grown by 12% YoY
UVE's P/S is 2.5% below its 5-year quarterly average of 0.4 and 2.5% below its last 4 quarters average of 0.4
Efficiency
How efficient is Universal Insurance Holdings business performance
The company's return on invested capital rose by 24% YoY but it fell by 9% QoQ
The company's return on equity fell by 18% QoQ and by 16% YoY
UVE's return on assets is up by 15% year-on-year but it is down by 12% since the previous quarter
The ROS is down by 10% QoQ and by 3.9% YoY
Dividends
What is UVE's dividend history
DPS
$0.77
Dividend yield
3.73%
Payout ratio
30.6%
Recent dividends
Special dividends are included in TTM DPS and yield
Financial health
How did Universal Insurance Holdings financials performed over time
The company's total assets is 18% higher than its total liabilities
The company's total assets rose by 3.6% YoY
Universal Insurance Holdings's debt is 75% less than its equity
The debt to equity has contracted by 34% YoY and by 3.8% from the previous quarter
The equity rose by 33% YoY
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.