Universal Insurance Valuation
| UVE Stock | USD 22.88 0.29 1.28% |
At this time, the company appears to be overvalued. Universal Insurance has a current Real Value of $20.45 per share. The regular price of the company is $22.88. Our model measures the value of Universal Insurance from inspecting the company fundamentals such as Operating Margin of (0.04) %, return on equity of 0.21, and Shares Outstanding of 28.29 M as well as reviewing its technical indicators and probability of bankruptcy. Key fundamental drivers impacting Universal Insurance's valuation include:
Price Book 1.5965 | Enterprise Value 406.7 M | Price Sales 0.4283 | Trailing PE 9.2258 | Enterprise Value Revenue 0.2692 |
Overvalued
Today
Please note that Universal Insurance's price fluctuation is not too volatile at this time. Calculation of the real value of Universal Insurance is based on 3 months time horizon. Increasing Universal Insurance's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
The fair value of the Universal stock is determined by what a typical buyer is willing to pay for full or partial control of Universal Insurance Holdings. Since Universal Insurance is currently traded on the exchange, buyers and sellers on that exchange determine the market value of Universal Stock. However, Universal Insurance's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 22.88 | Real 20.45 | Target 21.0 | Hype 22.96 | Naive 21.69 |
The real value of Universal Stock, also known as its intrinsic value, is the underlying worth of Universal Insurance Company, which is reflected in its stock price. It is based on Universal Insurance's financial performance, growth prospects, management team, or industry conditions. The intrinsic value of Universal Insurance's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, or news.
Estimating the potential upside or downside of Universal Insurance Holdings helps investors to forecast how Universal stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Universal Insurance more accurately as focusing exclusively on Universal Insurance's fundamentals will not take into account other important factors: Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use Universal Insurance's intrinsic value based on its ongoing forecasts of Universal Insurance's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against Universal Insurance's closest peers. If more than one evaluation category is relevant for Universal Insurance we suggest using both methods to arrive at a better estimate.
Universal Insurance Cash |
|
Universal Valuation Trend
Comparing Universal Insurance's enterprise value against its market capitalization is a good way to estimate the value of Universal Insurance Holdings uage its performance over time. This information may sometimes be enough for investors to make reasonable market timing decisions.
Universal Insurance Total Value Analysis
Universal Insurance Holdings is at this time anticipated to have company total value of 406.74 M with market capitalization of 647.19 M, debt of 116.6 M, and cash on hands of 388.71 M. Please note that company total value may be misleading and is a subject to accounting gimmicks. We encourage investors to carefully check all of the Universal Insurance fundamentals before making security assessment based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
406.74 M | 647.19 M | 116.6 M | 388.71 M |
Universal Insurance Investor Information
About 70.0% of the company outstanding shares are owned by institutional investors. The company has Price to Book (P/B) ratio of 1.6. Historically many companies with similar price-to-book (P/B) ratio do better than the market in the long run. Universal Insurance last dividend was issued on the 6th of December 2024. The entity had 1:4 split on the 6th of December 1994. Based on the measurements of operating efficiency obtained from Universal Insurance's historical financial statements, Universal Insurance Holdings is performing exceptionally good at the present time. It has a great chance to report excellent financial results in December.Universal Insurance Asset Utilization
The asset utilization indicator refers to the revenue earned for every dollar of assets a company currently reports. Universal Insurance has an asset utilization ratio of 73.52 percent. This indicates that the Company is making $0.74 for each dollar of assets. An increasing asset utilization means that Universal Insurance Holdings is more efficient with each dollar of assets it utilizes for everyday operations.Universal Insurance Ownership Allocation
Universal Insurance shows a total of 28.29 Million outstanding shares. The majority of Universal Insurance outstanding shares are owned by institutional holders. These institutional investors are usually referred to as non-private investors looking to take positions in Universal Insurance to benefit from reduced commissions. Consequently, institutions are subject to a different set of regulations than regular investors in Universal Insurance. Please pay attention to any change in the institutional holdings of Universal Insurance Holdings as this could imply that something significant has changed or is about to change at the company. Please note that no matter how many assets the company owns, if the real value of the company is less than the current market value, you may not be able to make money on it.Universal Insurance Profitability Analysis
The company reported the last year's revenue of 1.39 B. Total Income to common stockholders was 66.82 M with profit before taxes, overhead, and interest of 284.26 M.Universal Insurance Past Distributions to stockholders
| 9th of August 2024 | ||
| 17th of May 2024 | ||
| 15th of April 2024 | ||
| 15th of March 2024 | ||
| 15th of December 2023 | ||
| 11th of August 2023 | ||
| 19th of May 2023 | ||
| 16th of March 2023 | ||
| 16th of December 2022 |
Please note that valuation analysis is one of the essential comprehensive assessments in business. It evaluates Universal Insurance's worth, which you can determine by considering its current assets, liabilities and future cash flows. The investors' valuation analysis is an important metric that will give you a perspective on different companies. It helps you know the worth of the potential investment in Universal Insurance and how it compares across the competition.
About Universal Insurance Valuation
The stock valuation mechanism determines Universal Insurance's current worth on a weekly basis. Our valuation model uses a comparative analysis of Universal Insurance. We calculate exposure to Universal Insurance's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of Universal Insurance's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 1.4 B | 1.5 B | |
| Pretax Profit Margin | 0.06 | 0.07 | |
| Operating Profit Margin | 0.78 | 0.82 | |
| Net Profit Margin | 0.05 | 0.05 | |
| Gross Profit Margin | 0.83 | 0.73 |
A single share of Universal Insurance represents a small ownership stake in the entity. As a stockholder of Universal, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
Universal Insurance Dividends Analysis For Valuation
The current year's Dividend Yield is expected to grow to 0.06, whereas Dividends Paid is forecasted to decline to about 15.4 M. . At present, Universal Insurance's Earnings Yield is projected to slightly decrease based on the last few years of reporting. The current year's Price Earnings Ratio is expected to grow to 7.49, whereas Retained Earnings Total Equity is forecasted to decline to about 404.6 M.
| Last Reported | Projected for Next Year | ||
| Dividends Paid | 23.3 M | 15.4 M | |
| Dividend Yield | 0.05 | 0.06 | |
| Dividend Payout Ratio | 0.35 | 0.24 | |
| Dividend Paid And Capex Coverage Ratio | 2.60 | 2.47 |
There are various types of dividends Universal Insurance can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of Universal shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from Universal Insurance Holdings directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When Universal pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of Universal Insurance by the value of the dividends paid out.
Universal Insurance Growth Indicators
Investing in growth stocks can be very risky. If the company such as Universal Insurance does not do well, investors take a loss on the stock when it is time to sell. Also, because growth stocks typically do not pay dividends, the only opportunity an investor has to make money on their investment is when they eventually sell their shares.
| Common Stock Shares Outstanding | 30.1 M | |
| Quarterly Earnings Growth Y O Y | 0.301 |
Universal Insurance Current Valuation Indicators
Valuation refers to the process of determining the present value of Universal Insurance Holdings and all of its assets. It can be calculated using a number of techniques. As many analysts who try to value Universal we look at many different elements of the entity such as Universal's management, its prospective future earnings, the current market value of the company's assets, as well as its capital structure formation.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as Universal Insurance, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use Universal Insurance's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes Universal Insurance's worth.Complementary Tools for Universal Stock analysis
When running Universal Insurance's price analysis, check to measure Universal Insurance's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Universal Insurance is operating at the current time. Most of Universal Insurance's value examination focuses on studying past and present price action to predict the probability of Universal Insurance's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Universal Insurance's price. Additionally, you may evaluate how the addition of Universal Insurance to your portfolios can decrease your overall portfolio volatility.
| Portfolio Backtesting Avoid under-diversification and over-optimization by backtesting your portfolios | |
| Stock Screener Find equities using a custom stock filter or screen asymmetry in trading patterns, price, volume, or investment outlook. | |
| Stocks Directory Find actively traded stocks across global markets | |
| Correlation Analysis Reduce portfolio risk simply by holding instruments which are not perfectly correlated |