Is Universal Insurance Stock a Good Investment?
Universal Insurance Investment Advice | UVE |
- Examine Universal Insurance's financial health by looking at its balance sheet, income statement, and cash flow statement. Analyze key financial ratios, such as Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B), to determine whether the stock is fairly valued or over/undervalued.
- Research Universal Insurance's leadership team and their track record. Good management can help Universal Insurance navigate difficult times and make strategic decisions that benefit shareholders and increases its net worth.
- Consider the overall health of the Property & Casualty Insurance space and any emerging trends that could impact Universal Insurance's business and its evolving consumer preferences.
- Compare Universal Insurance's performance and market position to its competitors. Analyze how Universal Insurance is positioned in terms of product offerings, innovation, and market share.
- Check if Universal Insurance pays a dividend and its dividend yield and payout ratio.
- Review what financial analysts are saying about Universal Insurance's stock and their price targets. However, remember that analysts' opinions can vary, and their predictions may not always be accurate.
It's important to note that investing in Universal Insurance Holdings stock, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember that it's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. Below is a detailed guide on how to decide if Universal Insurance Holdings is a good investment.
Sell | Buy |
Buy
Market Performance | OK | Details | |
Volatility | Very steady | Details | |
Hype Condition | Over hyped | Details | |
Current Valuation | Undervalued | Details | |
Odds Of Distress | Very Low | Details | |
Economic Sensitivity | Follows the market closely | Details | |
Investor Sentiment | Alarmed | Details | |
Analyst Consensus | Buy | Details | |
Financial Strenth (F Score) | Poor | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Possible Manipulator | Details |
Examine Universal Insurance Stock
Researching Universal Insurance's stock involves analyzing various aspects of the company and its industry to make an informed investment decision. The key areas to focus on are fundamentals, business model and competitive advantage. It is also important to analyze trends in revenue, net income, and cash flow, as well as key financial ratios, such as price-to-earnings (P/E), price-to-sales (P/S), and debt-to-equity (D/E). About 70.0% of the company outstanding shares are owned by institutional investors. The company has Price to Book (P/B) ratio of 1.71. 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 7th of March 2025. The entity had 1:4 split on the 6th of December 1994.
To determine if Universal Insurance is a good investment, evaluating the company's potential for future growth is also very important. This may include expanding into new markets, launching new products or services, or improving operational efficiency. Companies with strong growth prospects can be more attractive investments. This aspect of the research should be conducted in the context of the overall market and industry in which the company operates and should include an analysis of growth potential, competitive landscape, and any regulatory or economic factors that could impact the business. Some of the essential points regarding Universal Insurance's research are outlined below:
| Universal Insurance Holdings has 101.24 M in debt with debt to equity (D/E) ratio of 0.4, which is OK given its current industry classification. Universal Insurance has a current ratio of 0.65, suggesting that it has not enough short term capital to pay financial commitments when the payables are due. Note however, debt could still be an excellent tool for Universal to invest in growth at high rates of return. | |
| Universal Insurance has a poor financial position based on the latest SEC disclosures | |
| About 70.0% of Universal Insurance outstanding shares are owned by institutional investors | |
| On 18th of March 2025 Universal Insurance paid $ 0.16 per share dividend to its current shareholders | |
| Latest headline from news.google.com: Universal Insurance Stock Price Up 3.1 percent - Whats Next - MarketBeat |
Universal Insurance uses earnings reports to provide investors with an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Therefore, it is also crucial when considering investing in Universal Insurance Holdings. Every quarterly earnings report provides investors with an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to Universal Insurance's previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
| 22nd of February 2024 Upcoming Quarterly Report | View | |
| 25th of April 2024 Next Financial Report | View | |
| 31st of December 2023 Next Fiscal Quarter End | View | |
| 22nd of February 2024 Next Fiscal Year End | View | |
| 30th of September 2023 Last Quarter Report | View | |
| 31st of December 2022 Last Financial Announcement | View |
Earnings surprises can significantly impact Universal Insurance's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate. Below are the table of largest EPS Surprises Universal Insurance's investors have experienced.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
2017-11-08 | 2017-09-30 | 0.23 | 0.28 | 0.05 | 21 | ||
2022-04-28 | 2022-03-31 | 0.57 | 0.64 | 0.07 | 12 | ||
2015-02-25 | 2014-12-31 | 0.52 | 0.59 | 0.07 | 13 | ||
2022-07-27 | 2022-06-30 | 0.39 | 0.47 | 0.08 | 20 | ||
2017-04-25 | 2017-03-31 | 0.78 | 0.86 | 0.08 | 10 | ||
2017-02-21 | 2016-12-31 | 0.3 | 0.38 | 0.08 | 26 | ||
2021-07-28 | 2021-06-30 | 0.56 | 0.65 | 0.09 | 16 | ||
2023-07-27 | 2023-06-30 | 0.77 | 0.87 | 0.1 | 12 |
Know Universal Insurance's Top Institutional Investors
Have you ever been surprised when a price of an equity instrument such as Universal Insurance is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading Universal Insurance Holdings backward and forwards among themselves. Universal Insurance's institutional investor refers to the entity that pools money to purchase Universal Insurance's securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
| Shares | Jacobs Levy Equity Management, Inc. | 2024-12-31 | 366.9 K | Renaissance Technologies Corp | 2024-12-31 | 357.1 K | Aqr Capital Management Llc | 2024-12-31 | 325.9 K | Lsv Asset Management | 2024-12-31 | 290.5 K | Arrowmark Colorado Holdings, Llc (arrowmark Partners) | 2024-12-31 | 285 K | Charles Schwab Investment Management Inc | 2024-12-31 | 283.9 K | Two Sigma Advisers, Llc | 2024-12-31 | 271.7 K | Northern Trust Corp | 2024-12-31 | 266.5 K | Bank Of New York Mellon Corp | 2024-12-31 | 251.1 K | Blackrock Inc | 2024-12-31 | 2.1 M | Donald Smith & Co Inc | 2024-12-31 | 1.7 M |
Universal Insurance's market capitalization trends
The company currently falls under 'Small-Cap' category with a total capitalization of 641.99 M.Market Cap |
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Universal Insurance's profitablity analysis
| Last Reported | Projected for Next Year | ||
| Return On Tangible Assets | 0.02 | 0.02 | |
| Return On Capital Employed | 0.04 | 0.04 | |
| Return On Assets | 0.02 | 0.02 | |
| Return On Equity | 0.16 | 0.09 |
Determining Universal Insurance's profitability involves analyzing its financial statements and using various financial metrics to determine if Universal Insurance is a good buy. For example, gross profit margin measures Universal Insurance's profitability after accounting for the cost of goods sold, while net profit margin measures profitability after accounting for all expenses. Other important metrics include return on assets, return on equity, and free cash flow. By reviewing multiple sources and metrics, you can gain a complete picture of Universal Insurance's profitability and make more informed investment decisions.
Please note, the presentation of Universal Insurance's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Universal Insurance's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Universal Insurance's management manipulating its earnings.
Evaluate Universal Insurance's management efficiency
Universal Insurance has Return on Asset of 0.0221 % which means that on every $100 spent on assets, it made $0.0221 of profit. This is way below average. In the same way, it shows a return on shareholders' equity (ROE) of 0.1649 %, implying that it generated $0.1649 on every 100 dollars invested. Universal Insurance's management efficiency ratios could be used to measure how well Universal Insurance manages its routine affairs as well as how well it operates its assets and liabilities. At present, Universal Insurance's Return On Capital Employed is projected to increase slightly based on the last few years of reporting. The current year's Return On Assets is expected to grow to 0.02, whereas Return On Equity is forecasted to decline to 0.09. At present, Universal Insurance's Other Assets are projected to increase significantly based on the last few years of reporting. The current year's Total Current Assets is expected to grow to about 1.7 B, whereas Non Currrent Assets Other are forecasted to decline to about 40.1 M.| Last Reported | Projected for Next Year | ||
| Book Value Per Share | 13.16 | 13.82 | |
| Tangible Book Value Per Share | 13.16 | 12.51 | |
| Enterprise Value Over EBITDA | 4.82 | 5.06 | |
| Price Book Value Ratio | 1.60 | 1.68 | |
| Enterprise Value Multiple | 4.82 | 5.06 | |
| Price Fair Value | 1.60 | 1.68 | |
| Enterprise Value | 83.7 M | 87.9 M |
The leadership approach at Universal Insurance's fosters a culture of excellence and accountability. Our analysis examines how this culture influences financial outcomes and stock valuation.
Basic technical analysis of Universal Stock
As of the 28th of March, Universal Insurance has the Risk Adjusted Performance of 0.0877, semi deviation of 1.39, and Coefficient Of Variation of 1015.22. In relation to fundamental indicators, the technical analysis model makes it possible for you to check existing technical drivers of Universal Insurance, as well as the relationship between them. Please validate Universal Insurance coefficient of variation, treynor ratio, as well as the relationship between the Treynor Ratio and semi variance to decide if Universal Insurance is priced more or less accurately, providing market reflects its prevalent price of 22.82 per share. Given that Universal Insurance has jensen alpha of 0.1903, we advise you to double-check Universal Insurance Holdings's current market performance to make sure the company can sustain itself at a future point.Universal Insurance's insider trading activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Universal Insurance insiders, such as employees or executives, is commonly permitted as long as it does not rely on Universal Insurance's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Universal Insurance insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
Universal Insurance's Outstanding Corporate Bonds
Universal Insurance issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Universal Insurance uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Universal bonds can be classified according to their maturity, which is the date when Universal Insurance Holdings has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
| Dana 575 percent Corp BondUS235822AB96 | View | |
| Morgan Stanley 3971 Corp BondUS61744YAL20 | View | |
| AerCap Global Aviation Corp BondUS00773HAA59 | View |
Understand Universal Insurance's technical and predictive indicators
Using predictive indicators to make investment decisions involves analyzing Universal Insurance's various financial and market-based factors to help forecast future trends and identify investment opportunities. Select the indicators that are most relevant to your investment strategy. Each indicator has its own strengths and weaknesses, so it's essential to combine multiple indicators to get a more comprehensive view of the market and reduce the risk of making poor decisions based on limited data.
| Risk Adjusted Performance | 0.0877 | |||
| Market Risk Adjusted Performance | 0.3349 | |||
| Mean Deviation | 1.3 | |||
| Semi Deviation | 1.39 | |||
| Downside Deviation | 1.58 | |||
| Coefficient Of Variation | 1015.22 | |||
| Standard Deviation | 1.89 | |||
| Variance | 3.58 | |||
| Information Ratio | 0.1069 | |||
| Jensen Alpha | 0.1903 | |||
| Total Risk Alpha | 0.2348 | |||
| Sortino Ratio | 0.1279 | |||
| Treynor Ratio | 0.3249 | |||
| Maximum Drawdown | 12.0 | |||
| Value At Risk | (2.22) | |||
| Potential Upside | 3.14 | |||
| Downside Variance | 2.5 | |||
| Semi Variance | 1.93 | |||
| Expected Short fall | (1.41) | |||
| Skewness | 1.64 | |||
| Kurtosis | 6.98 |
| Risk Adjusted Performance | 0.0877 | |||
| Market Risk Adjusted Performance | 0.3349 | |||
| Mean Deviation | 1.3 | |||
| Semi Deviation | 1.39 | |||
| Downside Deviation | 1.58 | |||
| Coefficient Of Variation | 1015.22 | |||
| Standard Deviation | 1.89 | |||
| Variance | 3.58 | |||
| Information Ratio | 0.1069 | |||
| Jensen Alpha | 0.1903 | |||
| Total Risk Alpha | 0.2348 | |||
| Sortino Ratio | 0.1279 | |||
| Treynor Ratio | 0.3249 | |||
| Maximum Drawdown | 12.0 | |||
| Value At Risk | (2.22) | |||
| Potential Upside | 3.14 | |||
| Downside Variance | 2.5 | |||
| Semi Variance | 1.93 | |||
| Expected Short fall | (1.41) | |||
| Skewness | 1.64 | |||
| Kurtosis | 6.98 |
Consider Universal Insurance's intraday indicators
Universal Insurance intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Universal Insurance stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
| Daily Balance Of Power | (9,223,372,036,855) | |||
| Rate Of Daily Change | 1.0 | |||
| Day Median Price | 22.82 | |||
| Day Typical Price | 22.82 | |||
| Price Action Indicator | (0.01) | |||
| Period Momentum Indicator | (0.03) | |||
| Relative Strength Index | 57.37 |
Universal Insurance Corporate Filings
F4 | 21st of March 2025 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
10K | 28th of February 2025 Annual report required by the U.S. Securities and Exchange Commission (SEC) of a company financial performance | ViewVerify |
8K | 25th of February 2025 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
| 14th of February 2025 Other Reports | ViewVerify |
Universal Stock media impact
Far too much social signal, news, headlines, and media speculation about Universal Insurance that are available to investors today. That information is available publicly through Universal media outlets and privately through word of mouth or via Universal internal channels. However, regardless of the origin, that massive amount of Universal data is challenging to quantify into actionable patterns, especially for investors that are not very sophisticated with ever-evolving tools and techniques used in the investment management field.
A primary focus of Universal Insurance news analysis is to determine if its current price reflects all relevant headlines and social signals impacting the current market conditions. A news analyst typically looks at the history of Universal Insurance relative headlines and hype rather than examining external drivers such as technical or fundamental data. It is believed that price action tends to repeat itself due to investors' collective, patterned thinking related to Universal Insurance's headlines and news coverage data. This data is often completely overlooked or insufficiently analyzed for actionable insights to drive Universal Insurance alpha.
Universal Insurance Sentiment by Major News Outlets
Investor sentiment, mood or attitude towards Universal Insurance can have a significant impact on its stock price or the market as a whole. This sentiment can be positive or negative, and various factors, such as economic indicators, news events, or market trends, can influence it. When investor sentiment is positive, investors are more likely to buy stocks, increasing demand and increasing the stock price. Positive investor sentiment can be driven by good news about the company or the broader market, such as solid earnings reports or positive economic data.
Note that negative investor sentiment can cause investors to sell stocks, leading to a decrease in demand and a drop in the stock price. Negative sentiment can be driven by factors such as poor earnings reports, negative news about the company or industry, or broader economic concerns. It's important to note that investor sentiment is just one of many factors that can affect stock prices. Other factors, such as company performance, industry trends, and global economic conditions, can also play a significant role in determining the value of a stock.
Universal Insurance Maximum Pain Price Across May 16th 2025 Option Contracts
Universal Insurance's options can also be used to analyze investors' bias and current market sentiment in the context of behavioral finance. For example, Max pain usually refers to a trading concept that asserts that market manipulation can cause the market price of Universal Insurance close to the expiration of its current option contract to expire worthlessly. According to most research, about 35% of options are not executed, with roughly 50% traded out before expiration. So, Max pain occurs when market makers reach a net favorable position across all options at a strike price where option holders stand to lose the most money. By contrast, option sellers may reap the most after selling more options than buying, causing them to expire worthlessly. Please continue to view the detailed analysis of Universal Insurance's options.
Universal Insurance Corporate Directors
| Ozzie Schindler | Independent Director | Profile | |
| Richard Peterson | Independent Director | Profile | |
| Michael Pietrangelo | Lead Independent Director | Profile | |
| Jon Springer | COO, Executive VP, Director and Member of Investment Committee | Profile |
Check out World Market Map to better understand how to build diversified portfolios, which includes a position in Universal 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 real. You can also try the Global Correlations module to find global opportunities by holding instruments from different markets.
Is Property & Casualty Insurance space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Universal Insurance. If investors know Universal will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Universal Insurance listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth (0.69) | Dividend Share 0.64 | Earnings Share 2.01 | Revenue Per Share | Quarterly Revenue Growth 0.025 |
The market value of Universal Insurance is measured differently than its book value, which is the value of Universal that is recorded on the company's balance sheet. Investors also form their own opinion of Universal Insurance's value that differs from its market value or its book value, called intrinsic value, which is Universal Insurance's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Universal Insurance's market value can be influenced by many factors that don't directly affect Universal Insurance's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
In summary, please note that there is a difference between Universal Insurance's value and its price, as these two are different measures arrived at by various means. Investors typically determine if Universal Insurance is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Universal Insurance's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.