United Insurance (Germany) Buy Hold or Sell Recommendation
| 0UI Stock | EUR 12.30 0.10 0.82% |
Assuming the 90 days horizon and your above-average risk tolerance, our recommendation regarding United Insurance Holdings is 'Strong Sell'. Macroaxis provides United Insurance buy-hold-or-sell recommendation only in the context of selected investment horizon and investor attitude towards risk assumed by holding 0UI positions.
Check out United Insurance Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. Note, we conduct extensive research on individual companies such as United and provide practical buy, sell, or hold advice based on investors' constraints. United Insurance Holdings. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in board of governors.
United |
Execute United Insurance Buy or Sell Advice
The United recommendation should be used to complement the buy-or-sell advice compiled from the current analysts' consensus on United Insurance Holdings. Macroaxis does not own or have any residual interests in United Insurance Holdings or other equities on which the buy-or-sell advice is provided. Please provide your input below to execute United Insurance's advice using the current market data and latest reported fundamentals.
Time Horizon
Risk Tolerance
 |  |
Strong Sell
Market Performance | OK | Details | |
Volatility | Slightly risky | Details | |
Hype Condition | Stale | Details | |
Current Valuation | Overvalued | Details | |
Odds Of Distress | Above Average | Details | |
Economic Sensitivity | Almost neglects market trends | Details | |
Analyst Consensus | Not Available | Details | |
Reporting Quality (M-Score) | Inapplicable | Details |
United Insurance Trading Alerts and Improvement Suggestions
| United Insurance had very high historical volatility over the last 90 days | |
| United Insurance has high likelihood to experience some financial distress in the next 2 years | |
| United Insurance Holdings has accumulated 156.56 M in total debt with debt to equity ratio (D/E) of 28.6, indicating the company may have difficulties to generate enough cash to satisfy its financial obligations. United Insurance Holdings has a current ratio of 0.74, indicating that it has a negative working capital and may not be able to pay financial obligations in time and when they become due. Debt can assist United Insurance until it has trouble settling it off, either with new capital or with free cash flow. So, United Insurance's shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like United Insurance Holdings sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for United to invest in growth at high rates of return. When we think about United Insurance's use of debt, we should always consider it together with cash and equity. | |
| The entity reported the revenue of 634.53 M. Net Loss for the year was (57.92 M) with profit before overhead, payroll, taxes, and interest of 38.82 M. | |
| United Insurance Holdings has accumulated about 131.79 M in cash with (295.39 M) of positive cash flow from operations. This results in cash-per-share (CPS) ratio of 3.07. | |
| Roughly 55.0% of United Insurance shares are owned by insiders or employees |
United Insurance Returns Distribution Density
The distribution of United Insurance's historical returns is an attempt to chart the uncertainty of United Insurance's future price movements. The chart of the probability distribution of United Insurance daily returns describes the distribution of returns around its average expected value. We use United Insurance Holdings price's Value At Risk and its Upside Potential as a relative measure of the distribution. The graph of the distribution of United Insurance returns is essential to provide solid investment advice for United Insurance.
| Mean Return | 0.40 | Value At Risk | -3.96 | Potential Upside | 8.24 | Standard Deviation | 4.15 |
Return Density |
| Distribution |
Investment risk management requires an estimate of the probability of extreme price changes. Therefore, the correct representation of the distribution of United Insurance historical returns presented in an easy-to-digest graphical form helps investors and money managers understand the risk-reward trade-off of different investement strategies.
United Insurance Greeks
Most traded equities are subject to two types of risk - systematic (i.e., market) and unsystematic (i.e., nonmarket or company-specific) risk. Unsystematic risk is the risk that events specific to United Insurance or Financial Services sector will adversely affect the stock's price. This type of risk can be diversified away by owning several different stocks in different industries whose stock prices have shown a small correlation to each other. On the other hand, systematic risk is the risk that United Insurance's price will be affected by overall stock market movements and cannot be diversified away. So, no matter how many positions you have, you cannot eliminate market risk. However, you can measure a United stock's historical response to market movements and buy it if you are comfortable with its volatility direction. Beta and standard deviation are two commonly used measures to help you make the right decision.
α | Alpha over Dow Jones | 0.41 | |
β | Beta against Dow Jones | -0.25 | |
σ | Overall volatility | 4.18 | |
Ir | Information ratio | 0.07 |
United Insurance Volatility Alert
United Insurance Holdings shows above-average downside volatility for the selected time horizon. Understanding different market volatility trends often help investors to time the market. Properly using volatility indicators enable traders to measure United Insurance's stock risk against market volatility during both bullish and bearish trends. The higher level of volatility that comes with bear markets can directly impact United Insurance's stock price while adding stress to investors as they watch their shares' value plummet. This usually forces investors to rebalance their portfolios by buying different financial instruments as prices fall.United Insurance Fundamentals Vs Peers
Comparing United Insurance's fundamentals to the average values of its peers is one of the most widely used and accepted methods of equity analyses. It helps to analyze United Insurance's direct or indirect competition across all of the common fundamentals between United Insurance and the related equities. This way, we can detect undervalued stocks with similar characteristics as United Insurance or determine the stocks which would be an excellent addition to an existing portfolio. Peer analysis of United Insurance's fundamental indicators could also be used in its relative valuation, which is a method of valuing United Insurance by comparing valuation metrics with those of similar companies.
| Better Than Average | Worse Than Average | Compare United Insurance to competition |
| Fundamentals | United Insurance | Peer Average |
| Return On Equity | -0.84 | -0.31 |
| Return On Asset | -0.0265 | -0.14 |
| Profit Margin | (0.35) % | (1.27) % |
| Operating Margin | (0.27) % | (5.51) % |
| Current Valuation | (11.48 M) | 16.62 B |
| Shares Outstanding | 43.31 M | 571.82 M |
| Shares Owned By Insiders | 55.17 % | 10.09 % |
| Shares Owned By Institutions | 10.20 % | 39.21 % |
| Price To Earning | 413.94 X | 28.72 X |
| Price To Book | 0.11 X | 9.51 X |
| Price To Sales | 0.05 X | 11.42 X |
| Revenue | 634.53 M | 9.43 B |
| Gross Profit | 38.82 M | 27.38 B |
| EBITDA | (122.88 M) | 3.9 B |
| Net Income | (57.92 M) | 570.98 M |
| Cash And Equivalents | 131.79 M | 2.7 B |
| Cash Per Share | 3.07 X | 5.01 X |
| Total Debt | 156.56 M | 5.32 B |
| Debt To Equity | 28.60 % | 48.70 % |
| Current Ratio | 0.75 X | 2.16 X |
| Book Value Per Share | 1.90 X | 1.93 K |
| Cash Flow From Operations | (295.39 M) | 971.22 M |
| Earnings Per Share | (5.21) X | 3.12 X |
| Target Price | 3.5 | |
| Number Of Employees | 472 | 18.84 K |
| Beta | -0.14 | -0.15 |
| Market Capitalization | 72.76 M | 19.03 B |
| Total Asset | 2.7 B | 29.47 B |
| Annual Yield | 0.14 % | |
| Net Asset | 2.7 B | |
| Last Dividend Paid | 0.12 |
United Insurance Market Momentum
Traders often use several daily momentume indicators to supplement a more traditional technical analysis when analyzing securities such as United . With many different options, investors must choose the best indicators for them and familiarize themselves with how they work. We suggest combining traditional momentum indicators with more near-term forms of technical analysis such as Accumulation Distribution or Daily Balance Of Power. With their quantitative nature, daily value technical indicators can also be incorporated into your automated trading systems.
| Daily Balance Of Power | 9.2 T | |||
| Rate Of Daily Change | 1.01 | |||
| Day Median Price | 12.3 | |||
| Day Typical Price | 12.3 | |||
| Price Action Indicator | 0.05 | |||
| Period Momentum Indicator | 0.1 | |||
| Relative Strength Index | 69.19 |
About United Insurance Buy or Sell Advice
When is the right time to buy or sell United Insurance Holdings? Buying financial instruments such as United Stock isn't very hard. However, what challenging for most investors is doing it at the right time to beat the market. Proper market timing is something most people cannot do without sophisticated tools, which help to isolate the right opportunities. Macroaxis provides hands-on modules to deliver winning trades and diversify your portfolios on a daily basis. Most of our advising modules are very easy to use and apply.
Please read more on our stock advisor page.
Use Investing Ideas to Build Portfolios
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Run Adviser Favorites Thematic Idea Now
Adviser Favorites
Financial advisors frequently recommend that individuals diversify their investment portfolios with a mix of different types of stocks. These can include blue-chip stocks, growth stocks, and dividend stocks. The Adviser Favorites theme has 17 constituents at this time.
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Other Information on Investing in United Stock
United Insurance financial ratios help investors to determine whether United Stock is cheap or expensive when compared to a particular measure, such as profits or enterprise value. In other words, they help investors to determine the cost of investment in United with respect to the benefits of owning United Insurance security.