Universal Insurance Holdings, Inc. (UVE) Financial Ratios
31 years of historical data (1995–2025) · Financial Services · Insurance - Property & Casualty
EV/EBITDA
↓
3.04
↓-41% vs avg
5yr avg: 5.11
30Y Low1.3·High13.1
P/FCF
↑
3.02
↓-16% vs avg
5yr avg: 3.58
30Y Low0.1·High39.8
P/B Ratio
↑
2.12
↑+47% vs avg
5yr avg: 1.44
30Y Low0.2·High22.6
ROE
↑
39.6%
↓+161% vs avg
5yr avg: 15.2%
30Y Low-167%·High114%
Debt/EBITDA
↓
0.40
↓-75% vs avg
5yr avg: 1.61
30Y Low0.0·High5.4
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
UVE Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Universal Insurance Holdings, Inc. trades at 6.4x earnings, 48% below its 5-year average of 12.3x, sitting at the 35th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.1x, the stock trades at a discount of 51%. On a free-cash-flow basis, the stock trades at 3.0x P/FCF, 16% below the 5-year average of 3.6x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $1.1B | $974M | $617M | $482M | $326M | $532M | $483M | $958M | $1.4B | $979M | $1.0B |
| Enterprise Value | $759M | $596M | $458M | $201M | $40M | $385M | $384M | $876M | $1.2B | $779M | $922M |
| P/E Ratio → | 6.41 | 5.35 | 10.48 | 7.20 | — | 26.15 | 25.18 | 20.58 | 11.60 | 9.15 | 10.18 |
| P/S Ratio | 0.71 | 0.61 | 0.41 | 0.35 | 0.27 | 0.47 | 0.45 | 1.02 | 1.65 | 1.30 | 1.48 |
| P/B Ratio | 2.12 | 1.77 | 1.65 | 1.41 | 1.13 | 1.24 | 1.08 | 1.94 | 2.71 | 2.23 | 2.73 |
| P/FCF | 3.02 | 2.58 | 4.74 | 7.20 | 1.02 | 2.34 | 39.82 | 13.07 | 6.08 | 4.07 | 8.95 |
| P/OCF | 2.98 | 2.55 | 4.49 | 6.79 | 1.00 | 2.27 | 16.46 | 11.33 | 5.90 | 4.00 | 8.34 |
P/E links to full P/E history page with 30-year chart
UVE EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Universal Insurance Holdings, Inc.'s enterprise value stands at 3.0x EBITDA, 41% below its 5-year average of 5.1x. The Financial Services sector median is 11.5x, placing the stock at a 74% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 0.37 | 0.30 | 0.14 | 0.03 | 0.34 | 0.36 | 0.93 | 1.46 | 1.04 | 1.35 |
| EV / EBITDA | 3.04 | 2.38 | 5.05 | 2.10 | — | 10.91 | 13.08 | 12.80 | 7.62 | 4.46 | 5.55 |
| EV / EBIT | 3.12 | 2.39 | 5.07 | 2.13 | — | 13.29 | 15.78 | 13.80 | 7.86 | 4.57 | 5.66 |
| EV / FCF | — | 1.58 | 3.53 | 3.00 | 0.12 | 1.70 | 31.64 | 11.96 | 5.38 | 3.24 | 8.14 |
UVE Profitability
Margins and return-on-capital ratios measuring operating efficiency
Universal Insurance Holdings, Inc. earns an operating margin of 15.2%, below the Financial Services sector average of 21.6%. Operating margins have expanded from 6.3% to 15.2% over the past 3 years, signaling improving operational efficiency. Return on equity of 39.6% is exceptionally high — well above the sector median of 9.4%. ROIC of 93.8% represents excellent returns on invested capital versus a sector median of 5.7%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 38.2% | 38.2% | 13.1% | 13.7% | 5.7% | 10.4% | 10.7% | 16.9% | 30.6% | 34.9% | 37.7% |
| Operating Margin | 15.2% | 15.2% | 5.6% | 6.3% | -2.2% | 2.5% | 2.3% | 6.8% | 18.6% | 22.7% | 23.8% |
| Net Profit Margin | 11.5% | 11.5% | 3.9% | 4.8% | -1.8% | 1.8% | 1.8% | 5.0% | 14.2% | 14.2% | 14.5% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 39.6% | 39.6% | 16.5% | 21.2% | -6.2% | 4.6% | 4.1% | 9.3% | 24.9% | 26.4% | 29.9% |
| ROA | 7.0% | 7.0% | 2.3% | 2.6% | -0.9% | 1.1% | 1.1% | 2.6% | 7.1% | 8.5% | 9.7% |
| ROIC | 93.8% | 93.8% | 46.0% | 211.9% | -13.1% | 6.5% | 4.8% | 12.6% | 39.1% | 49.2% | 61.0% |
| ROCE | 10.7% | 10.7% | 4.3% | 3.8% | -1.2% | 1.7% | 1.4% | 3.6% | 10.3% | 14.9% | 17.2% |
UVE Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Universal Insurance Holdings, Inc. carries a Debt/EBITDA ratio of 0.4x, which is very conservative (90% below the sector average of 4.1x). The company holds a net cash position — cash of $478M exceeds total debt of $100M, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns. Interest coverage of 51.6x signals virtually no risk of debt distress — earnings comfortably cover interest obligations.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.18 | 0.18 | 0.27 | 0.34 | 0.36 | 0.30 | 0.15 | 0.20 | 0.02 | 0.03 | 0.04 |
| Debt / EBITDA | 0.40 | 0.40 | 1.12 | 1.22 | — | 3.69 | 2.31 | 1.47 | 0.07 | 0.07 | 0.09 |
| Net Debt / Equity | — | -0.68 | -0.42 | -0.82 | -0.99 | -0.34 | -0.22 | -0.17 | -0.31 | -0.46 | -0.24 |
| Net Debt / EBITDA | -1.51 | -1.51 | -1.74 | -2.93 | — | -4.16 | -3.38 | -1.19 | -0.98 | -1.15 | -0.55 |
| Debt / FCF | — | -1.00 | -1.22 | -4.19 | -0.89 | -0.65 | -8.19 | -1.12 | -0.69 | -0.83 | -0.80 |
| Interest Coverage | 51.63 | 51.63 | 15.67 | 16.17 | -3.61 | 49.82 | 256.06 | — | — | — | — |
Net cash position: cash ($478M) exceeds total debt ($100M)
UVE Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
Universal Insurance Holdings, Inc.'s current ratio of 19.39x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has improved from 0.80x to 19.39x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 19.39 | 19.39 | 2.54 | 0.80 | 963.94 | 2.33 | — | — | 7.41 | 3.15 | 2.07 |
| Quick Ratio | 19.39 | 19.39 | 2.54 | 2.08 | 299.92 | 4.04 | — | — | 5.06 | 5.38 | 4.75 |
| Cash Ratio | 16.73 | 16.73 | 0.66 | 0.79 | 254.39 | 1.16 | — | — | 0.84 | 1.49 | 1.32 |
| Asset Turnover | — | 0.68 | 0.54 | 0.60 | 0.42 | 0.55 | 0.61 | 0.55 | 0.44 | 0.52 | 0.65 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
UVE Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Universal Insurance Holdings, Inc. returns 3.9% to shareholders annually — split between a 1.9% dividend yield and 2.0% buyback yield. The payout ratio of 12.1% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 15.6% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 1.9% | 2.3% | 3.6% | 4.8% | 7.3% | 4.5% | 5.1% | 2.7% | 1.9% | 2.5% | 2.4% |
| Payout Ratio | 12.1% | 12.1% | 37.9% | 34.8% | — | 118.5% | 128.5% | 56.1% | 21.8% | 22.4% | 24.3% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 15.6% | 18.7% | 9.5% | 13.9% | — | 3.8% | 4.0% | 4.9% | 8.6% | 10.9% | 9.8% |
| FCF Yield | 33.2% | 38.7% | 21.1% | 13.9% | 98.1% | 42.7% | 2.5% | 7.6% | 16.5% | 24.5% | 11.2% |
| Buyback Yield | 2.0% | 2.3% | 3.6% | 4.6% | 3.6% | 0.3% | 6.0% | 6.9% | 1.9% | 1.9% | 0.8% |
| Total Shareholder Yield | 3.9% | 4.6% | 7.2% | 9.4% | 10.9% | 4.8% | 11.1% | 9.6% | 3.7% | 4.3% | 3.2% |
| Shares Outstanding | — | $29M | $29M | $30M | $31M | $31M | $32M | $34M | $36M | $36M | $36M |
Peer Comparison
Compare UVE with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 UVEYou | $1B | 6.4 | 3.0 | 3.0 | 38.2% | 15.2% | 39.6% | 93.8% | 0.4 |
 HCI | $2B | 6.1 | 1.9 | 4.5 | 73.2% | 47.7% | 37.8% | 675.0% | 0.2 |
 HRTG | $861M | 4.4 | 1.5 | 4.9 | 63.0% | 30.6% | 49.1% | 1539.6% | 0.4 |
 ALL | $55B | 5.6 | 4.5 | 5.6 | 33.2% | 19.8% | 39.6% | 29.8% | 0.5 |
 TRV | $65B | 10.9 | 8.6 | — | 44.3% | 16.0% | 20.7% | 15.3% | 1.1 |
 CB | $125B | 12.5 | 10.9 | 8.6 | 29.4% | 21.8% | 13.9% | 10.8% | 1.7 |
 PGR | $115B | 13.6 | 11.0 | 7.7 | 27.7% | 14.2% | 37.0% | 27.0% | 0.6 |
 CINF | $25B | 10.7 | 7.8 | 8.2 | 50.1% | 23.6% | 16.0% | 15.3% | 0.3 |
 KMPR | $2B | 12.8 | 11.1 | 3.1 | 29.7% | 3.3% | 5.3% | 3.1% | 4.3 |
 RNR | $13B | 5.3 | 3.4 | 3.5 | 40.7% | 31.5% | 14.6% | 16.0% | 0.6 |
 AXS | $7B | 8.0 | 6.2 | — | 49.9% | 18.7% | 16.2% | 14.8% | 1.2 |
| Financial Services Median | — | 13.1 | 11.5 | 10.6 | 63.6% | 21.6% | 9.4% | 5.7% | 4.1 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Start ComparisonUVE — Frequently Asked Questions
Quick answers to the most common questions about buying UVE stock.
What is Universal Insurance Holdings, Inc.'s P/E ratio?
Universal Insurance Holdings, Inc.'s current P/E ratio is 6.4x. The historical average is 10.0x. This places it at the 35th percentile of its historical range.
What is Universal Insurance Holdings, Inc.'s EV/EBITDA?
Universal Insurance Holdings, Inc.'s current EV/EBITDA is 3.0x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 5.2x.
What is Universal Insurance Holdings, Inc.'s ROE?
Universal Insurance Holdings, Inc.'s return on equity (ROE) is 39.6%. This is above the typical threshold of 15-20% considered good for most companies. The historical average is 19.3%.
Is UVE stock overvalued?
Based on historical data, Universal Insurance Holdings, Inc. is trading at a P/E of 6.4x. This is at the 35th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Universal Insurance Holdings, Inc.'s dividend yield?
Universal Insurance Holdings, Inc.'s current dividend yield is 1.90% with a payout ratio of 12.1%.
What are Universal Insurance Holdings, Inc.'s profit margins?
Universal Insurance Holdings, Inc. has 38.2% gross margin and 15.2% operating margin. Operating margin between 10-20% is typical for established companies.
How much debt does Universal Insurance Holdings, Inc. have?
Universal Insurance Holdings, Inc.'s Debt/EBITDA ratio is 0.4x, indicating low leverage. A ratio below 2x is generally considered financially healthy.