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Universal Insurance Holdings Inc (UVE)
NYSE:UVE
US Market
UVE
Universal Insurance Holdings
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Universal Insurance Holdings (UVE) Ratios

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Universal Insurance Holdings Ratios

UVE's free cash flow for Q4 2025 was $0.45. For the 2025 fiscal year, UVE's free cash flow was decreased by $ and operating cash flow was $0.22. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 12.58 19.39 2.54 0.80 963.94
Quick Ratio
 12.58 19.39 2.54 2.08 299.92
Cash Ratio
 11.16 16.73 0.41 0.65 254.39
Solvency Ratio
 0.09 0.11 0.03 0.04 >-0.01
Operating Cash Flow Ratio
 7.12 13.36 0.22 0.12 212.38
Short-Term Operating Cash Flow Coverage
 0.00 3.77 93.38 4.86 220.61
Net Current Asset Value
$ -1.51B$ -1.25B$ -859.52M$ -1.48B$ -1.13B
Leverage Ratios
Debt-to-Assets Ratio
 0.07 0.04 0.04 0.05 0.04
Debt-to-Equity Ratio
 0.17 0.18 0.27 0.34 0.36
Debt-to-Capital Ratio
 0.15 0.15 0.21 0.25 0.26
Long-Term Debt-to-Capital Ratio
 0.15 0.15 0.21 0.23 0.26
Financial Leverage Ratio
 2.63 4.27 7.61 6.79 10.04
Debt Service Coverage Ratio
 41.85 1.85 9.78 3.92 -1.23
Interest Coverage Ratio
 52.26 50.30 14.67 15.17 -4.61
Debt to Market Cap
 0.09 0.21 0.17 0.24 0.32
Interest Debt Per Share
 3.78 3.78 3.76 4.10 3.53
Net Debt to EBITDA
 -1.83 -1.47 -1.64 -2.77 20.36
Profitability Margins
Gross Profit Margin
31.88%38.21%13.14%13.72%5.73%
EBIT Margin
16.60%15.64%5.94%6.77%-1.75%
EBITDA Margin
17.04%16.08%6.35%7.29%-1.15%
Operating Profit Margin
16.32%15.23%5.56%6.35%-2.23%
Pretax Profit Margin
15.13%15.23%5.56%6.35%-2.23%
Net Profit Margin
12.25%11.47%3.88%4.80%-1.82%
Continuous Operations Profit Margin
12.25%11.47%3.88%4.80%-1.82%
Net Income Per EBT
80.94%75.27%69.65%75.64%81.69%
EBT Per EBIT
92.72%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
12.74%7.78%2.07%2.88%-0.77%
Return on Equity (ROE)
37.50%33.20%15.79%19.58%-7.73%
Return on Capital Employed (ROCE)
17.48%10.46%3.83%5.19%-0.94%
Return on Invested Capital (ROIC)
27.57%7.55%5.52%3.69%-1.41%
Return on Tangible Assets
12.76%7.79%2.17%3.03%-0.80%
Earnings Yield
17.04%19.43%9.82%14.02%-6.83%
Efficiency Ratios
Receivables Turnover
 21.04 21.07 2.16 4.70 17.57
Payables Turnover
 0.00 3.83 5.99 5.64 2.86
Inventory Turnover
 0.00 0.00 0.00 -1.52 1.14
Fixed Asset Turnover
 32.40 32.33 31.25 29.22 23.79
Asset Turnover
 1.04 0.68 0.54 0.60 0.42
Working Capital Turnover Ratio
 2.79 2.13 3.57 2.06 1.39
Cash Conversion Cycle
 17.34 -77.92 108.48 -226.49 214.43
Days of Sales Outstanding
 17.34 17.32 169.37 77.68 20.77
Days of Inventory Outstanding
 0.00 0.00 0.00 -239.47 321.29
Days of Payables Outstanding
 0.00 95.24 60.89 64.70 127.63
Operating Cycle
 17.34 17.32 169.37 -161.79 342.06
Cash Flow Ratios
Operating Cash Flow Per Share
 13.70 13.70 4.82 2.38 10.55
Free Cash Flow Per Share
 13.54 13.54 4.56 2.24 10.39
CapEx Per Share
 0.16 0.16 0.26 0.13 0.16
Free Cash Flow to Operating Cash Flow
 0.99 0.99 0.95 0.94 0.98
Dividend Paid and CapEx Coverage Ratio
 14.33 14.33 4.63 2.60 11.31
Capital Expenditure Coverage Ratio
 85.96 85.96 18.64 17.66 66.24
Operating Cash Flow Coverage Ratio
 3.80 3.80 1.36 0.61 3.16
Operating Cash Flow to Sales Ratio
 0.24 0.24 0.09 0.05 0.27
Free Cash Flow Yield
32.63%40.05%21.66%14.05%98.15%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 5.62 5.15 10.18 7.13 -14.63
Price-to-Sales (P/S) Ratio
 0.69 0.59 0.39 0.34 0.27
Price-to-Book (P/B) Ratio
 1.88 1.71 1.61 1.40 1.13
Price-to-Free Cash Flow (P/FCF) Ratio
 2.93 2.50 4.62 7.12 1.02
Price-to-Operating Cash Flow Ratio
 2.88 2.47 4.37 6.72 1.00
Price-to-Earnings Growth (PEG) Ratio
 0.03 0.02 -1.34 -0.02 0.07
Price-to-Fair Value
 1.88 1.71 1.61 1.40 1.13
Enterprise Value Multiple
 2.23 2.20 4.58 1.93 -2.83
Enterprise Value
 657.50M 564.01M 441.97M 195.96M 39.72M
EV to EBITDA
 2.41 2.20 4.58 1.93 -2.83
EV to Sales
 0.41 0.35 0.29 0.14 0.03
EV to Free Cash Flow
 1.74 1.50 3.40 2.93 0.12
EV to Operating Cash Flow
 1.72 1.48 3.22 2.76 0.12
Tangible Book Value Per Share
 -23.35 19.70 8.85 7.75 5.99
Shareholders’ Equity Per Share
 21.00 19.79 13.10 11.44 9.36
Tax and Other Ratios
Effective Tax Rate
 0.26 0.25 0.30 0.24 0.18
Revenue Per Share
 57.40 57.29 53.36 46.65 39.76
Net Income Per Share
 7.03 6.57 2.07 2.24 -0.72
Tax Burden
 0.76 0.75 0.70 0.76 0.82
Interest Burden
 0.98 0.97 0.94 0.94 1.28
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.02 0.00 0.07 0.07 0.07
Stock-Based Compensation to Revenue
 <0.01 <0.01 <0.01 <0.01 <0.01
Income Quality
 1.71 2.09 2.33 1.06 -14.58
Currency in USD