Universal Insurance Inc. (UVE)
Universal Insurance Statistics
Share Statistics
Universal Insurance has 28.1M shares outstanding. The number of shares has increased by -2.31% in one year.
| Shares Outstanding | 28.1M |
| Shares Change (YoY) | -2.31% |
| Shares Change (QoQ) | -0.67% |
| Owned by Institutions (%) | 68.26% |
| Shares Floating | 25.43M |
| Failed to Deliver (FTD) Shares | 100 |
| FTD / Avg. Volume | 0.06% |
Short Selling Information
The latest short interest is 369.2K, so 1.31% of the outstanding shares have been sold short.
| Short Interest | 369.2K |
| Short % of Shares Out | 1.31% |
| Short % of Float | 1.44% |
| Short Ratio (days to cover) | 2.49 |
Valuation Ratios
The PE ratio is 10.14 and the forward PE ratio is 7.49. Universal Insurance's PEG ratio is -1.34.
| PE Ratio | 10.14 |
| Forward PE | 7.49 |
| PS Ratio | 0.39 |
| Forward PS | 0.3 |
| PB Ratio | 1.6 |
| P/FCF Ratio | 4.59 |
| PEG Ratio | -1.34 |
Enterprise Valuation
Universal Insurance has an Enterprise Value (EV) of 438.96M.
| EV / Sales | 0.29 |
| EV / EBITDA | 4.82 |
| EV / EBIT | 3.2 |
| EV / FCF | 3.38 |
Financial Position
The company has a current ratio of 6.36, with a Debt / Equity ratio of 0.27.
| Current Ratio | 6.36 |
| Quick Ratio | 6.36 |
| Debt / Equity | 0.27 |
| Debt / EBITDA | 1.11 |
| Debt / FCF | 0.78 |
| Interest Coverage | 15.79 |
Financial Efficiency
Return on Equity is 15.79% and Return on Invested Capital is 4.38%.
| Return on Equity | 15.79% |
| Return on Assets | 2.07% |
| Return on Invested Capital | 4.38% |
| Revenue Per Employee | $1.42M |
| Profits Per Employee | $55.17K |
| Employee Count | 1,068 |
| Asset Turnover | 0.54 |
| Inventory Turnover | n/a |
Taxes
| Income Tax | 25.68M |
| Effective Tax Rate | 30.35% |
Stock Price Statistics
The stock price has increased by 12.6% in the last 52 weeks. The beta is 0.76, so Universal Insurance's price volatility has been higher than the market average.
| Beta | 0.76 |
| 52-Week Price Change | 12.6% |
| 50-Day Moving Average | 21.22 |
| 200-Day Moving Average | 20.58 |
| Relative Strength Index (RSI) | 44.9 |
| Average Volume (20 Days) | 165.45K |
Income Statement
In the last 12 months, Universal Insurance had revenue of 1.52B and earned 58.92M in profits. Earnings per share was 2.07.
| Revenue | 1.52B |
| Gross Profit | 1.52B |
| Operating Income | 91.09M |
| Net Income | 58.92M |
| EBITDA | 91.09M |
| EBIT | 90.38M |
| Earnings Per Share (EPS) | 2.07 |
Balance Sheet
The company has 259.44M in cash and 101.24M in debt, giving a net cash position of 158.2M.
| Cash & Cash Equivalents | 259.44M |
| Total Debt | 101.24M |
| Net Cash | 158.2M |
| Retained Earnings | 596.85M |
| Total Assets | 1.37B |
| Working Capital | 87.19M |
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 | 137.36M |
| Capital Expenditures | -7.37M |
| Free Cash Flow | 129.99M |
| FCF Per Share | 4.58 |
Margins
Gross margin is 100%, with operating and profit margins of 5.99% and 3.87%.
| Gross Margin | 100% |
| Operating Margin | 5.99% |
| Pretax Margin | 5.56% |
| Profit Margin | 3.87% |
| EBITDA Margin | 5.99% |
| EBIT Margin | 5.99% |
| FCF Margin | 8.55% |
Dividends & Yields
UVE pays an annual dividend of $0.93, which amounts to a dividend yield of 3.65%.
| Dividend Per Share | $0.93 |
| Dividend Yield | 3.65% |
| Dividend Growth (YoY) | 0% |
| Payout Ratio | 46.27% |
| Earnings Yield | 9.87% |
| FCF Yield | 21.77% |
Analyst Forecast
The average price target for UVE is $25, which is 16.1% higher than the current price. The consensus rating is "Buy".
| Price Target | $25 |
| Price Target Difference | 16.1% |
| Analyst Consensus | Buy |
| Analyst Count | 1 |
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 | Dec 8, 1994 |
| Split Type | backward |
| Split Ratio | 1:4 |
Scores
| Altman Z-Score | 2.22 |
| Piotroski F-Score | 8 |