UVE Universal Insurance Holdings Inc
Price (delayed)
$24.07
Market cap
$676.27M
P/E Ratio
11.63
Dividend/share
$0.77
EPS
$2.07
Enterprise value
$515.43M
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
Universal Insurance Holdings's debt has decreased by 13% YoY
The gross profit has increased by 9% YoY
The equity rose by 9% YoY but it fell by 7% QoQ
The price to earnings (P/E) is 40% higher than the last 4 quarters average of 8.3
UVE's net income is down by 19% from the previous quarter and by 12% YoY
Key stats
What are the main financial stats of UVE
Market
Valuations
Earnings
Shares outstanding
28.1M
Market cap
$676.27M
Enterprise value
$515.43M
Price to earnings (P/E)
11.63
Price to book (P/B)
1.82
Price to sales (P/S)
0.45
EV/EBIT
5.66
EV/EBITDA
5.3
EV/Sales
0.34
Revenue
$1.52B
Gross profit
$433.17M
Operating income
$91.09M
Net income
$58.93M
EBIT
$91.09M
EBITDA
$97.2M
Free cash flow
$130.1M
Per share
Balance sheet
Liquidity
EPS
$2.07
EPS diluted
$2.01
Free cash flow per share
$4.57
Book value per share
$13.2
Revenue per share
$53.36
TBVPS
$99.72
Total assets
$2.84B
Total liabilities
$2.47B
Debt
$101.24M
Equity
$373.25M
Working capital
N/A
Debt to equity
0.27
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-1.65
Margins
Efficiency
Dividend
EBITDA margin
6.4%
Gross margin
28.5%
Net margin
3.9%
Operating margin
6%
Return on assets
2.3%
Return on equity
15.4%
Return on invested capital
3.9%
Return on capital employed
N/A
Return on sales
6%
Dividend yield
3.2%
DPS
$0.77
Payout ratio
37.2%
UVE stock price
How has the Universal Insurance Holdings stock price performed over time
Intraday
1.56%
1 week
9.71%
1 month
8.52%
1 year
21.02%
YTD
14.29%
QTD
1.56%
Financial performance
How have Universal Insurance Holdings's revenue and profit performed over time
Revenue
$1.52B
Gross profit
$433.17M
Operating income
$91.09M
Net income
$58.93M
Gross margin
28.5%
Net margin
3.9%
Universal Insurance Holdings's net margin has decreased by 19% from the previous quarter and by 19% YoY
UVE's net income is down by 19% from the previous quarter and by 12% YoY
The operating margin has declined by 18% since the previous quarter and by 12% year-on-year
The operating income has contracted by 17% from the previous quarter and by 4% YoY
Growth
What is Universal Insurance Holdings's growth rate over time
Valuation
What is Universal Insurance Holdings stock price valuation
P/E
11.63
P/B
1.82
P/S
0.45
EV/EBIT
5.66
EV/EBITDA
5.3
EV/Sales
0.34
The price to earnings (P/E) is 40% higher than the last 4 quarters average of 8.3
The EPS is down by 18% QoQ and by 8% YoY
The stock's price to book (P/B) is 52% more than its 5-year quarterly average of 1.2 and 21% more than its last 4 quarters average of 1.5
The equity rose by 9% YoY but it fell by 7% QoQ
UVE's P/S is 13% above its 5-year quarterly average of 0.4 and 13% above its last 4 quarters average of 0.4
The revenue has grown by 9% YoY
Efficiency
How efficient is Universal Insurance Holdings business performance
The company's return on equity fell by 25% YoY and by 21% QoQ
The company's return on invested capital fell by 24% QoQ and by 2.5% YoY
UVE's return on assets is down by 23% since the previous quarter and by 12% year-on-year
The ROS is down by 18% QoQ and by 12% YoY
Dividends
What is UVE's dividend history
DPS
$0.77
Dividend yield
3.2%
Payout ratio
37.2%
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 15% higher than its total liabilities
The total liabilities has grown by 25% year-on-year and by 10% since the previous quarter
The company's total assets rose by 23% YoY and by 7% QoQ
Universal Insurance Holdings's debt is 73% less than its equity
The debt to equity has contracted by 21% YoY but it has grown by 8% from the previous quarter
Universal Insurance Holdings's debt has decreased by 13% YoY
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.