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STOCKS

Universal Insurance Holdings Inc (UVE)

NYSE:UVE

UVE

Universal Insurance Holdings

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Universal Insurance Holdings (UVE) Ratios

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198 Followers

Universal Insurance Holdings Ratios

UVE's free cash flow for Q1 2025 was $1.00. For the 2025 fiscal year, UVE's free cash flow was decreased by $ and operating cash flow was $0.14. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.00	0.80	963.94	2.33	5.66
Quick Ratio	0.00	0.80	299.92	4.04	10.14
Cash Ratio	0.00	0.65	254.39	1.16	2.40
Solvency Ratio	<0.01	0.04	>-0.01	0.02	0.02
Operating Cash Flow Ratio	0.00	0.12	212.38	1.09	0.42
Short-Term Operating Cash Flow Coverage	0.00	4.86	0.00	8.76	0.49
Net Current Asset Value	$ -1.69B	$ -1.48B	$ -1.13B	$ -1.13B	$ -915.02M
Leverage Ratios
Debt-to-Assets Ratio	0.04	0.05	0.04	0.05	<0.01
Debt-to-Equity Ratio	0.24	0.34	0.36	0.24	0.02
Debt-to-Capital Ratio	0.19	0.25	0.26	0.19	0.02
Long-Term Debt-to-Capital Ratio	0.19	0.23	0.26	0.19	0.02
Financial Leverage Ratio	6.43	6.79	10.04	4.79	3.91
Debt Service Coverage Ratio	6.02	3.82	-1.37	1.02	0.41
Interest Coverage Ratio	15.38	166.52	-1.89	31.87	154.22
Debt to Market Cap	0.15	0.24	0.32	0.25	0.14
Interest Debt Per Share	3.82	4.13	3.56	3.34	0.27
Net Debt to EBITDA	-4.71	-2.75	20.36	-4.08	-5.39
Profitability Margins
Gross Profit Margin	99.85%	100.00%	100.00%	92.15%	91.55%
EBIT Margin	6.25%	6.77%	-1.75%	2.58%	2.27%
EBITDA Margin	4.12%	7.34%	-1.15%	3.21%	2.74%
Operating Profit Margin	6.25%	78.15%	-1.02%	1.85%	1.47%
Pretax Profit Margin	5.98%	6.35%	-2.23%	2.53%	2.26%
Net Profit Margin	4.31%	4.80%	-1.82%	1.82%	1.78%
Continuous Operations Profit Margin	4.31%	4.80%	-1.82%	1.82%	1.78%
Net Income Per EBT	72.05%	75.64%	81.69%	71.82%	78.85%
EBT Per EBIT	95.72%	8.12%	217.75%	136.72%	154.04%
Return on Assets (ROA)	2.46%	2.88%	-0.77%	0.99%	1.09%
Return on Equity (ROE)	16.79%	19.58%	-7.73%	4.75%	4.25%
Return on Capital Employed (ROCE)	3.56%	63.91%	-0.43%	1.13%	0.93%
Return on Invested Capital (ROIC)	10.07%	45.43%	-0.65%	1.03%	0.92%
Return on Tangible Assets	2.46%	3.03%	-0.77%	0.99%	1.09%
Earnings Yield	9.78%	14.02%	-6.83%	3.85%	3.97%
Efficiency Ratios
Receivables Turnover	0.00	0.00	17.57	0.00	0.00
Payables Turnover	0.00	0.00	0.00	0.47	8.79
Inventory Turnover	0.00	0.00	0.00	-0.24	-0.29
Fixed Asset Turnover	32.07	29.22	23.79	20.90	20.02
Asset Turnover	0.57	0.60	0.42	0.55	0.61
Working Capital Turnover Ratio	4.52	2.06	1.39	3.68	3.89
Cash Conversion Cycle	0.00	0.00	20.77	-2.32K	-1.30K
Days of Sales Outstanding	0.00	0.00	20.77	0.00	0.00
Days of Inventory Outstanding	0.00	0.00	0.00	-1.53K	-1.26K
Days of Payables Outstanding	0.00	0.00	0.00	781.93	41.53
Operating Cycle	0.00	0.00	20.77	-1.53K	-1.26K
Cash Flow Ratios
Operating Cash Flow Per Share	8.59	2.38	10.55	7.51	0.92
Free Cash Flow Per Share	8.28	2.24	10.39	7.28	0.38
CapEx Per Share	0.31	0.13	0.16	0.23	0.54
Free Cash Flow to Operating Cash Flow	0.96	0.94	0.98	0.97	0.41
Dividend Paid and CapEx Coverage Ratio	7.75	2.60	11.31	7.46	0.70
Capital Expenditure Coverage Ratio	28.06	17.66	66.24	32.44	1.70
Operating Cash Flow Coverage Ratio	2.39	0.61	3.16	2.26	3.47
Operating Cash Flow to Sales Ratio	0.16	0.05	0.27	0.21	0.03
Free Cash Flow Yield	34.04%	14.05%	98.15%	42.80%	2.52%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	10.22	7.13	-14.63	26.01	25.22
Price-to-Sales (P/S) Ratio	0.44	0.34	0.27	0.47	0.45
Price-to-Book (P/B) Ratio	1.61	1.40	1.13	1.24	1.07
Price-to-Free Cash Flow (P/FCF) Ratio	2.94	7.12	1.02	2.34	39.71
Price-to-Operating Cash Flow Ratio	2.83	6.72	1.00	2.26	16.42
Price-to-Earnings Growth (PEG) Ratio	0.68	-0.02	0.07	3.12	-0.45
Price-to-Fair Value	1.61	1.40	1.13	1.24	1.07
Enterprise Value Multiple	6.02	1.92	-2.83	10.67	10.97
Enterprise Value	383.59M	195.96M	39.72M	383.87M	323.07M
EV to EBITDA	6.02	1.92	-2.83	10.67	10.97
EV to Sales	0.25	0.14	0.03	0.34	0.30
EV to Free Cash Flow	1.65	2.93	0.12	1.69	26.63
EV to Operating Cash Flow	1.59	2.76	0.12	1.64	11.01
Tangible Book Value Per Share	14.95	7.75	5.92	10.20	10.55
Shareholders’ Equity Per Share	15.04	11.44	9.36	13.76	14.09
Tax and Other Ratios
Effective Tax Rate	0.28	0.24	0.18	0.28	0.21
Revenue Per Share	55.09	46.65	39.76	35.94	33.65
Net Income Per Share	2.37	2.24	-0.72	0.65	0.60
Tax Burden	0.72	0.76	0.82	0.72	0.79
Interest Burden	0.96	0.94	1.28	0.98	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.05	0.07	0.07	0.08	0.08
Stock-Based Compensation to Revenue	0.00	<0.01	<0.01	<0.01	<0.01
Income Quality	12.53	1.06	-14.58	11.49	1.54

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