Financials Universal Insurance Holdings, Inc.

Equities

UVE

US91359V1070

Property & Casualty Insurance

Market Closed - Nyse 04:00:02 2024-04-26 pm EDT 5-day change 1st Jan Change
19.54 USD -3.74% Intraday chart for Universal Insurance Holdings, Inc. -0.41% +22.28%

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Capitalization 1 929.6 473.5 529.8 323.1 466.4 562 -
Enterprise Value (EV) 1 929.6 473.5 529.8 323.1 466.4 562 562
P/E ratio 20.6 x 25.2 x 26.2 x -14.7 x 7.2 x 8.5 x 7.37 x
Yield - - - - - - -
Capitalization / Revenue 0.99 x 0.44 x 0.47 x 0.26 x 0.34 x 0.42 x 0.4 x
EV / Revenue 0.99 x 0.44 x 0.47 x 0.26 x 0.34 x 0.42 x 0.4 x
EV / EBITDA - - - - - - -
EV / FCF - - - - - - -
FCF Yield - - - - - - -
Price to Book - 1.05 x 1.24 x 1.12 x 1.36 x 1.46 x 1.26 x
Nbr of stocks (in thousands) 33,211 31,334 31,168 30,513 29,186 28,759 -
Reference price 2 27.99 15.11 17.00 10.59 15.98 19.54 19.54
Announcement Date 3/2/20 2/25/21 2/24/22 2/23/23 2/22/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net sales 1 939.4 1,073 1,122 1,223 1,392 1,350 1,394
EBITDA - - - - - - -
EBIT - - - - - - -
Operating Margin - - - - - - -
Earnings before Tax (EBT) 1 - 24.23 28.41 -27.25 88.35 90.8 104.4
Net income 1 - 19.1 20.41 -22.26 66.81 67.19 77.28
Net margin - 1.78% 1.82% -1.82% 4.8% 4.98% 5.54%
EPS 2 1.360 0.6000 0.6500 -0.7200 2.220 2.300 2.650
Free Cash Flow - - - - - - -
FCF margin - - - - - - -
FCF Conversion (EBITDA) - - - - - - -
FCF Conversion (Net income) - - - - - - -
Dividend per Share - - - - - - -
Announcement Date 3/2/20 2/25/21 2/24/22 2/23/23 2/22/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales 1 287.3 292.7 287.5 292 312.8 330.4 316.5 339.6 360 375.5 368 337.2 336.6 339.7 348.2
EBITDA - - - - - - - - - - - - - - -
EBIT - - - - - - - - - - - - - - -
Operating Margin - - - - - - - - - - - - - - -
Earnings before Tax (EBT) 1 26.46 -64.46 22.47 10.68 -93.24 32.84 32.79 37.54 -7.877 25.9 47.48 45.49 -19.38 23.41 45.12
Net income 1 20.18 -48.12 17.54 7.37 -72.28 25.11 24.17 28.57 -5.915 20 33.65 33.66 -14.34 17.32 33.39
Net margin 7.03% -16.44% 6.1% 2.52% -23.11% 7.6% 7.64% 8.41% -1.64% 5.33% 9.15% 9.98% -4.26% 5.1% 9.59%
EPS 2 0.6400 -1.540 0.5600 0.2400 -2.360 0.8200 0.7900 0.9300 -0.2000 0.6800 1.140 1.150 -0.4900 0.5900 1.140
Dividend per Share - - - - - - - - - - - - - - -
Announcement Date 10/27/21 2/24/22 4/28/22 7/27/22 10/27/22 2/23/23 4/27/23 7/27/23 10/26/23 2/22/24 4/25/24 - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net Debt - - - - - - -
Net Cash position - - - - - - -
Leverage (Debt/EBITDA) - - - - - - -
Free Cash Flow - - - - - - -
ROE (net income / shareholders' equity) - -6.09% 4.35% -3.52% 18.6% 18.2% 18.3%
ROA (Net income/ Total Assets) - - - - - - -
Assets 1 - - - - - - -
Book Value Per Share 2 - 14.40 13.80 9.470 11.80 13.40 15.50
Cash Flow per Share - - - - - - -
Capex - - - - - - -
Capex / Sales - - - - - - -
Announcement Date 3/2/20 2/25/21 2/24/22 2/23/23 2/22/24 - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Trading Rating
Investor Rating
ESG Refinitiv
C
More Ratings
Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
1
Last Close Price
19.54 USD
Average target price
25 USD
Spread / Average Target
+27.94%
Consensus
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