Universal Insurance Holdings, Inc. (FRA:5UI)

FRA:5UI Statistics

Total Valuation

FRA:5UI has a market cap or net worth of EUR 790.42 million. The enterprise value is 534.23 million.

Market Cap	790.42M
Enterprise Value	534.23M

Important Dates

The next estimated earnings date is Friday, February 27, 2026.

Earnings Date	Feb 27, 2026
Ex-Dividend Date	Aug 1, 2025

Share Statistics

Current Share Class	28.05M
Shares Outstanding	n/a
Shares Change (YoY)	-1.32%
Shares Change (QoQ)	-0.91%
Owned by Insiders (%)	9.30%
Owned by Institutions (%)	76.11%
Float	25.44M

Valuation Ratios

The trailing PE ratio is 7.58 and the forward PE ratio is 10.27.

PE Ratio	7.58
Forward PE	10.27
PS Ratio	0.59
PB Ratio	1.87
P/TBV Ratio	1.87
P/FCF Ratio	3.71
P/OCF Ratio	3.65
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 3.56, with an EV/FCF ratio of 2.51.

EV / Earnings	5.12
EV / Sales	0.39
EV / EBITDA	3.56
EV / EBIT	3.69
EV / FCF	2.51

Financial Position

The company has a current ratio of 0.61, with a Debt / Equity ratio of 0.22.

Current Ratio	0.61
Quick Ratio	0.22
Debt / Equity	0.22
Debt / EBITDA	0.61
Debt / FCF	0.43
Interest Coverage	26.17

Financial Efficiency

Return on equity (ROE) is 27.34% and return on invested capital (ROIC) is 19.07%.

Return on Equity (ROE)	27.34%
Return on Assets (ROA)	3.67%
Return on Invested Capital (ROIC)	19.07%
Return on Capital Employed (ROCE)	18.46%
Revenue Per Employee	1.26M
Profits Per Employee	97,655
Employee Count	1,068
Asset Turnover	0.55
Inventory Turnover	n/a

Taxes

In the past 12 months, FRA:5UI has paid 33.74 million in taxes.

Income Tax	33.74M
Effective Tax Rate	24.44%

Stock Price Statistics

The stock price has increased by +33.33% in the last 52 weeks.

Beta (5Y)	n/a
52-Week Price Change	+33.33%
50-Day Moving Average	26.14
200-Day Moving Average	22.52
Relative Strength Index (RSI)	55.32
Average Volume (20 Days)	1

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	2.38

Income Statement

In the last 12 months, FRA:5UI had revenue of EUR 1.35 billion and earned 104.30 million in profits. Earnings per share was 3.61.

Revenue	1.35B
Gross Profit	438.99M
Operating Income	143.53M
Pretax Income	138.04M
Net Income	104.30M
EBITDA	148.79M
EBIT	143.53M
Earnings Per Share (EPS)	3.61

Balance Sheet

The company has 345.28 million in cash and 91.44 million in debt, giving a net cash position of 253.84 million.

Cash & Cash Equivalents	345.28M
Total Debt	91.44M
Net Cash	253.84M
Net Cash Per Share	n/a
Equity (Book Value)	421.93M
Book Value Per Share	15.04
Working Capital	-715.96M

Cash Flow

In the last 12 months, operating cash flow was 216.55 million and capital expenditures -3.62 million, giving a free cash flow of 212.92 million.

Operating Cash Flow	216.55M
Capital Expenditures	-3.62M
Free Cash Flow	212.92M
FCF Per Share	n/a

Margins

Gross margin is 32.58%, with operating and profit margins of 10.65% and 7.74%.

Gross Margin	32.58%
Operating Margin	10.65%
Pretax Margin	10.25%
Profit Margin	7.74%
EBITDA Margin	11.04%
EBIT Margin	10.65%
FCF Margin	15.80%

Dividends & Yields

This stock pays an annual dividend of 0.70, which amounts to a dividend yield of 2.44%.

Dividend Per Share	0.70
Dividend Yield	2.44%
Dividend Growth (YoY)	-1.23%
Years of Dividend Growth	1
Payout Ratio	18.26%
Buyback Yield	1.32%
Shareholder Yield	3.77%
Earnings Yield	13.19%
FCF Yield	26.94%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value	n/a
Lynch Upside	n/a
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	6