Shares Outstanding Shares Outstanding n/a Close	28.14M
Shares Change (YoY) Shares Change (YoY) n/a Close	-2.31%
Shares Change (QoQ) Shares Change (QoQ) n/a Close	-0.67%
Owned by Institutions (%) Owned by Institutions (%) n/a Close	70.38%
Shares Floating Shares Floating n/a Close	25.57M
Failed to Deliver (FTD) Shares Failed to Deliver (FTD) Shares n/a Close	500
FTD / Avg. Volume FTD / Avg. Volume n/a Close	0.22%

Short Selling Information

The latest short interest is 340.98K, so 1.21% of the outstanding shares have been sold short.

Short Interest Short Interest n/a Close	340.98K
Short % of Shares Out Short % of Shares Out n/a Close	1.21%
Short % of Float Short % of Float n/a Close	1.35%
Short Ratio (days to cover) Short Ratio (days to cover) n/a Close	1.73

Valuation Ratios

The PE ratio is 10.18 and the forward PE ratio is 9.21. Universal Insurance's PEG ratio is -1.34.

PE Ratio PE Ratio n/a Close	10.18
Forward PE Forward PE n/a Close	9.21
PS Ratio PS Ratio n/a Close	0.39
Forward PS Forward PS n/a Close	0.3
PB Ratio PB Ratio n/a Close	1.61
P/FCF Ratio P/FCF Ratio n/a Close	4.62
PEG Ratio PEG Ratio n/a Close	-1.34

Financial Ratio History

Enterprise Valuation

Universal Insurance has an Enterprise Value (EV) of 439.33M.

EV / Sales EV / Sales n/a Close	0.29
EV / EBITDA EV / EBITDA n/a Close	4.82
EV / EBIT EV / EBIT n/a Close	3.2
EV / FCF EV / FCF n/a Close	3.38

Financial Position

The company has a current ratio of 2.54, with a Debt / Equity ratio of 0.27.

Current Ratio Current Ratio n/a Close	2.54
Quick Ratio Quick Ratio n/a Close	2.54
Debt / Equity Debt / Equity n/a Close	0.27
Debt / EBITDA Debt / EBITDA n/a Close	1.11
Debt / FCF Debt / FCF n/a Close	0.78
Interest Coverage Interest Coverage n/a Close	14.07

Financial Efficiency

Return on Equity is 15.79% and Return on Invested Capital is 5.95%.

Return on Equity Return on Equity n/a Close	15.79%
Return on Assets Return on Assets n/a Close	2.07%
Return on Invested Capital Return on Invested Capital n/a Close	5.95%
Revenue Per Employee Revenue Per Employee n/a Close	$1,423,722.85
Profits Per Employee Profits Per Employee n/a Close	$55,176.03
Employee Count Employee Count n/a Close	1,068
Asset Turnover Asset Turnover n/a Close	0.54
Inventory Turnover Inventory Turnover n/a Close	n/a

Taxes

Income Tax Income Tax n/a Close	25.68M
Effective Tax Rate Effective Tax Rate n/a Close	30.35%

Stock Price Statistics

The stock price has increased by 44.27% in the last 52 weeks. The beta is 0.87, so Universal Insurance's price volatility has been higher than the market average.

Beta Beta n/a Close	0.87
52-Week Price Change 52-Week Price Change n/a Close	44.27%
50-Day Moving Average 50-Day Moving Average n/a Close	25.1
200-Day Moving Average 200-Day Moving Average n/a Close	21.98
Relative Strength Index (RSI) Relative Strength Index (RSI) n/a Close	50.7
Average Volume (20 Days) Average Volume (20 Days) n/a Close	230,920

Income Statement

In the last 12 months, Universal Insurance had revenue of 1.52B and earned 58.93M in profits. Earnings per share was 2.07.

Revenue Revenue n/a Close	1.52B
Gross Profit Gross Profit n/a Close	1.52B
Operating Income Operating Income n/a Close	91.09M
Net Income Net Income n/a Close	58.93M
EBITDA EBITDA n/a Close	91.09M
EBIT EBIT n/a Close	90.38M
Earnings Per Share (EPS) Earnings Per Share (EPS) n/a Close	2.07

Full Income Statement

Balance Sheet

The company has 262.08M in cash and 101.24M in debt, giving a net cash position of 160.83M.

Cash & Cash Equivalents Cash & Cash Equivalents n/a Close	262.08M
Total Debt Total Debt n/a Close	101.24M
Net Cash Net Cash n/a Close	160.83M
Retained Earnings Retained Earnings n/a Close	596.85M
Total Assets Total Assets n/a Close	2.71B
Working Capital Working Capital n/a Close	597.35M

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 137.36M and capital expenditures -7.37M, giving a free cash flow of 129.99M.

Operating Cash Flow Operating Cash Flow n/a Close	137.36M
Capital Expenditures Capital Expenditures n/a Close	-7.37M
Free Cash Flow Free Cash Flow n/a Close	129.99M
FCF Per Share FCF Per Share n/a Close	4.56

Full Cash Flow Statement

Margins

Gross margin is 100%, with operating and profit margins of 5.99% and 3.88%.

Gross Margin Gross Margin n/a Close	100%
Operating Margin Operating Margin n/a Close	5.99%
Pretax Margin Pretax Margin n/a Close	5.56%
Profit Margin Profit Margin n/a Close	3.88%
EBITDA Margin EBITDA Margin n/a Close	5.99%
EBIT Margin EBIT Margin n/a Close	5.99%
FCF Margin FCF Margin n/a Close	8.55%

Dividends & Yields

UVE pays an annual dividend of $0.93, which amounts to a dividend yield of 2.96%.

Dividend Per Share Dividend Per Share n/a Close	$0.93
Dividend Yield Dividend Yield n/a Close	2.96%
Dividend Growth (YoY) Dividend Growth (YoY) n/a Close	0%
Payout Ratio Payout Ratio n/a Close	40.79%
Earnings Yield Earnings Yield n/a Close	9.82%
FCF Yield FCF Yield n/a Close	21.66%

Dividend Details

Analyst Forecast

The average price target for UVE is $25, which is -5.4% lower than the current price. The consensus rating is "Buy".

Price Target Price Target n/a Close	$25
Price Target Difference Price Target Difference n/a Close	-5.4%
Analyst Consensus Analyst Consensus n/a Close	Buy
Analyst Count Analyst Count n/a Close	1

Stock Forecasts

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value Lynch Fair Value n/a Close	$51.75
Lynch Upside Lynch Upside n/a Close	95.8%
Graham Number Graham Number n/a Close	24.69
Graham Upside Graham Upside n/a Close	-6.58%

Stock Splits

The last stock split was on Dec 8, 1994. It was a backward split with a ratio of 1:4.

Last Split Date Last Split Date n/a Close	Dec 8, 1994
Split Type Split Type n/a Close	backward
Split Ratio Split Ratio n/a Close	1:4

Scores

Altman Z-Score Altman Z-Score n/a Close	1.5
Piotroski F-Score Piotroski F-Score n/a Close	7