Universal Insurance Holdings, Inc. Ratios | P/E, ROE & Valuation

On the Key Ratios page for Universal Insurance Holdings, Inc. (UVE), the latest P/E of 5.5 frames valuation, while ROE 38.78% and ROIC 7.43% indicates profitability and capital efficiency. Together with the current ratio of 76.09 and debt-to-equity 0.15, these signals help you judge whether valuation is supported by fundamentals across the historical rows.

Financial Performance Ratios

UVE Historical Per Share Metrics

10 years
Metric (FY)TTM202420232022202120202019201820172016
Revenue per Share$58.29$53.36$46.65$39.76$35.94$33.65$27.72$23.63$21.58$19.63
Net Income per Share$7.90$2.07$2.24$-0.72$0.65$0.60$1.37$3.36$3.07$2.85
Operating Cash Flow per Share$12.37$4.82$2.38$10.55$7.51$0.92$2.50$6.60$7.03$3.48
Free Cash Flow per Share$12.20$4.56$2.24$10.39$7.28$0.38$2.16$6.41$6.90$3.24
Cash per Share$25.27$14.72$16.38$45.64$41.35$5.24$30.61$28.31$6.41$3.17
Book Value per Share$22.88$13.10$11.44$9.36$13.76$14.09$14.57$14.39$12.63$10.63
Tangible Book Value per Share$17.94$8.85$7.75$5.99$10.28$14.02$11.86$11.96$10.53$10.94
Interest Debt per Share$3.71$3.78$4.13$3.56$4.20$2.13$0.30$0.34$0.38$0.43
CAPEX per Share$0.17$0.26$0.13$0.16$0.23$0.54$0.33$0.19$0.13$0.24

UVE Historical Valuation Ratios

10 years
Metric (FY)TTM202420232022202120202019201820172016
Price to Earnings (P/E)5.5510.187.13-14.6326.0125.2220.411.298.919.98
Price to Book (P/B)1.921.611.41.131.241.071.922.632.172.67
Price to Sales (P/S)0.750.390.340.270.470.451.011.61.271.45
Enterprise Value to EBITDA2.574.581.93-2.8311.4112.9907.384.30
EV to Sales0.490.290.140.030.370.360.831.4211.31
EV to Operating Cash Flow2.293.222.760.121.7513.039.185.073.077.42
EV to Free Cash Flow2.323.42.930.121.8131.5310.65.223.137.96
Enterprise Value$788.00M$441.97M$195.96M$39.72M$410.63M$382.47M$776.48M$1.17B$752.28M$901.00M

UVE Historical Profitability Ratios

10 years
Metric (FY)TTM202420232022202120202019201820172016
Return on Equity (ROE)38.78%15.79%19.58%-7.73%4.75%4.25%9.42%23.33%24.30%26.78%
Return on Invested Capital (ROIC)7.43%5.95%45.43%-0.99%1.43%1.43%3.24%3.62%5.91%8.65%
Return on Tangible Assets6.94%2.17%3.03%-0.80%1.05%1.09%2.86%6.60%7.74%9.28%
Earnings Yield17.98%9.82%14.02%-6.83%3.85%3.97%4.90%8.86%11.22%10.02%
Free Cash Flow Yield27.79%21.66%14.05%98.15%42.80%2.52%7.72%16.90%25.23%11.41%
Dividend Yield1.75%3.72%4.89%7.30%4.56%5.10%2.75%1.93%2.52%2.44%

UVE Historical Liquidity & Financial Strength

10 years
Metric (FY)TTM202420232022202120202019201820172016
Current Ratio76.092.540.8963.942.335.662.047.413.152.07
Interest Coverage52.6514.07166.52-2.9144.47256.14223.97442.83490.90
Income Quality1.552.331.06-14.5811.491.541.821.972.291.22
Debt to Equity0.150.270.340.360.30.150.020.020.030.04
Debt to Assets2.96%3.56%5.03%3.56%6.34%3.86%0.58%0.61%0.88%1.42%
Net Debt to EBITDA-1.42-1.64-2.7720.36-3.34-3.370-0.98-1.150

UVE Historical Efficiency Ratios

10 years
Metric (FY)TTM202420232022202120202019201820172016
Receivables Turnover18.982.164.717.574.484.723.65000
Payables Turnover1.610005.338.7901.0300
Inventory Turnover0000-2.72000.2100
Days Sales Outstanding19.23169.3777.6820.7781.5177.3499.91000
Days Payables Outstanding226.5800068.4941.530354.7100
Days of Inventory on Hand0000-134.36001727.0100

UVE Historical Market Metrics

10 years
Metric (FY)TTM202420232022202120202019201820172016
Enterprise Value to EBITDA2.574.581.93-2.8311.4112.9907.384.30
Market Cap$1.22B$600.17M$476.67M$325.65M$530.71M$481.77M$948.67M$1.32B$952.90M$991.70M
Enterprise Value$788.00M$441.97M$195.96M$39.72M$410.63M$382.47M$776.48M$1.17B$752.28M$901.00M
Dividend Yield1.75%3.72%4.89%7.30%4.56%5.10%2.75%1.93%2.52%2.44%
Payout Ratio10.07%37.89%34.85%-106.86%118.59%128.54%56.15%21.80%22.45%24.35%

Frequently Asked Questions

How does Universal Insurance Holdings, Inc.’s P/E ratio compare with its history?

On this page, UVE's current P/E is 5.5, compared with a multi-year average around 13.9. A lower P/E versus its own history is a calculated gap versus that average—not a conclusion that the stock is cheap. Pair it with profitability and earnings quality in the table (for example ROE/ROIC) to see whether the multiple moved with earnings.

What is Universal Insurance Holdings, Inc. market cap?

Market cap is the market value of a company's equity and is commonly calculated as share price multiplied by shares outstanding. The latest market cap shown in the table is $1.22B. Pair market cap with valuation multiples (P/E, P/B, P/S) so you can evaluate whether size also corresponds with "quality" and profitability. For a wider view across stocks, you can also use the stock screener.

How does Universal Insurance Holdings, Inc.’s P/E compare with its industry?

There is no P/E Tickerplace rates as good. Compare the P/E on this page with Universal Insurance Holdings, Inc.'s own historical range (in the table) and with peers via the Screener and Compare tools. A higher or lower multiple versus peers is a calculated gap, not a recommendation.

How does Universal Insurance Holdings, Inc. compare to its competitors in key financial ratios?

The fastest way to compare Universal Insurance Holdings, Inc. with competitors is to use the built-in "Peers Comparison" section on this page and the Compare tool. Focus on a small set of ratios that work together: P/E for valuation, ROE/ROIC for profitability and capital efficiency, current ratio and interest coverage for liquidity and solvency, and debt-to-equity for leverage risk. When you see Universal Insurance Holdings, Inc. outperform peers on profitability while keeping valuation and leverage reasonable, it often signals stronger fundamentals.

What do Universal Insurance Holdings, Inc.'s liquidity and leverage ratios show?

Liquidity and leverage figures on this page are published ratios, not a verdict that Universal Insurance Holdings, Inc. is financially strong. Current ratio is about 76.09, which is above 1.0 and can indicate more comfortable short-term liquidity. Interest coverage is about 52.65, implying a stronger ability to cover interest expenses. Debt-to-equity is about 0.15, suggesting leverage is more moderate relative to a high-debt profile. Pair them with ROE/ROIC and cash-flow rows in the table. Tickerplace does not rate the company as a good or poor investment.

What do Universal Insurance Holdings, Inc.'s financial ratios say about its future growth?

Ratios are a way to see what the business is likely to sustain. Look for upward trends in profitability metrics (ROE and ROIC), improving earnings/cash-flow backed measures, and stable or strengthening liquidity. If Universal Insurance Holdings, Inc. is sustaining strong returns (for example ROE at 38.78% and ROIC at 7.43%) while debt levels and interest coverage remain manageable, growth expectations may be more credible. If valuation multiples expand while returns weaken, the market may be pricing optimistic growth ahead of results.