Universal Insurance Holdings, Inc. (UVE) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

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Universal Insurance Holdings, Inc.

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Employers Holdings, Inc.

Safety Insurance Group, Inc.

Why is Universal Insurance Holdings, Inc. ?

With a growth in Operating Profit of NAN%, the company declared Very Positive results in Jun 25

OPERATING CASH FLOW(Y) Highest at USD 274.27 MM
NET PROFIT(HY) Higher at USD 76.53 MM
RAW MATERIAL COST(Y) Fallen by 0% (YoY)

With ROE of 15.79%, it has a fair valuation with a 2.86 Price to Book Value

The stock is trading at a discount compared to its peers' average historical valuations
Over the past year, while the stock has generated a return of 52.30%, its profits have fallen by -12.6%

Consistent Returns over the last 3 years

Along with generating 52.30% returns in the last 1 year, the stock has outperformed S&P 500 in each of the last 3 annual periods

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to Universal Insurance Holdings, Inc. should be less than 10%
Overall Portfolio exposure to Insurance should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Insurance)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is Universal Insurance Holdings, Inc. for you?

Medium Risk, High Return

Absolute

Risk Adjusted

Volatility

Universal Insurance Holdings, Inc.

47.22%

2.17

33.44%

S&P 500

22.24%

0.70

20.15%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

8.38%

EBIT Growth (5y)

EBIT to Interest (avg)

Debt to EBITDA (avg)

Negative Net Debt

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

27.95%

Dividend Payout Ratio

10.13%

Pledged Shares

Institutional Holding

80.70%

ROCE (avg)

ROE (avg)

9.05%

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

2.68

EV to EBIT

EV to EBITDA

EV to Capital Employed

71.42

EV to Sales

0.58

PEG Ratio

0.04

Dividend Yield

1.48%

ROCE (Latest)

ROE (Latest)

33.20%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Bullish

Dow Theory

No Trend

Mildly Bullish

OBV

Mildly Bullish

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

15What is working for the Company

OPERATING CASH FLOW(Y)

Highest at USD 349.54 MM

NET PROFIT(HY)

At USD 120.88 MM has Grown at 154.71%

ROCE(HY)

Highest at 38.88%

RAW MATERIAL COST(Y)

Fallen by 0% (YoY

DEBT-EQUITY RATIO (HY)

Lowest at -85.19 %

-3What is not working for the Company

DIVIDEND PAYOUT RATIO(Y)

Lowest at 8.5%

NET SALES(Q)

Lowest at USD 393.56 MM

Here's what is working for Universal Insurance Holdings, Inc.

Net Profit

At USD 120.88 MM has Grown at 154.71%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is very positive

Net Profit (USD MM)

Operating Cash Flow

Highest at USD 349.54 MM and Grown

In each year in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Debt-Equity Ratio

Lowest at -85.19 %

in the last five Semi-Annual periods

MOJO Watch

The company has been reducing its borrowing as compared to equity capital

Debt-Equity Ratio

Raw Material Cost

Fallen by 0% (YoY)

MOJO Watch

The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin

Raw Material Cost as a percentage of Sales

Here's what is not working for Universal Insurance Holdings, Inc.

Dividend Payout Ratio

Lowest at 8.5% and Fallen

In each year in the last five years

MOJO Watch

Company is distributing lower proportion of profits generated as dividend

DPR (%)

Net Sales

Lowest at USD 393.56 MM

in the last five periods

MOJO Watch

Near term sales trend is negative

Net Sales (USD MM)