Universal Insurance Plc (NGX:UNIVINSURE)

Universal Insurance Statistics

Total Valuation

NGX:UNIVINSURE has a market cap or net worth of NGN 23.04 billion. The enterprise value is 19.68 billion.

Market Cap	23.04B
Enterprise Value	19.68B

Important Dates

The last earnings date was Friday, January 30, 2026.

Earnings Date	Jan 30, 2026
Ex-Dividend Date	n/a

Share Statistics

NGX:UNIVINSURE has 16.00 billion shares outstanding.

Current Share Class	16.00B
Shares Outstanding	16.00B
Shares Change (YoY)	n/a
Shares Change (QoQ)	-0.08%
Owned by Insiders (%)	0.01%
Owned by Institutions (%)	0.00%
Float	11.13B

Valuation Ratios

The trailing PE ratio is 5.13.

PE Ratio	5.13
Forward PE	n/a
PS Ratio	0.92
PB Ratio	1.21
P/TBV Ratio	1.22
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 3.68, with an EV/FCF ratio of -3.16.

EV / Earnings	4.38
EV / Sales	0.79
EV / EBITDA	3.68
EV / EBIT	4.25
EV / FCF	-3.16

Financial Position

The company has a current ratio of 1.38

Current Ratio	1.38
Quick Ratio	0.84
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 26.46% and return on invested capital (ROIC) is 25.78%.

Return on Equity (ROE)	26.46%
Return on Assets (ROA)	11.46%
Return on Invested Capital (ROIC)	25.78%
Return on Capital Employed (ROCE)	19.48%
Weighted Average Cost of Capital (WACC)	4.93%
Revenue Per Employee	185.41M
Profits Per Employee	33.30M
Employee Count	135
Asset Turnover	0.99
Inventory Turnover	1,963.56

Taxes

In the past 12 months, NGX:UNIVINSURE has paid 102.58 million in taxes.

Income Tax	102.58M
Effective Tax Rate	2.23%

Stock Price Statistics

The stock price has increased by +111.77% in the last 52 weeks. The beta is 0.12, so NGX:UNIVINSURE's price volatility has been lower than the market average.

Beta (5Y)	0.12
52-Week Price Change	+111.77%
50-Day Moving Average	1.28
200-Day Moving Average	1.03
Relative Strength Index (RSI)	54.92
Average Volume (20 Days)	18,164,730

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)	n/a

Income Statement

In the last 12 months, NGX:UNIVINSURE had revenue of NGN 25.03 billion and earned 4.50 billion in profits. Earnings per share was 0.28.

Revenue	25.03B
Gross Profit	7.14B
Operating Income	4.63B
Pretax Income	4.60B
Net Income	4.50B
EBITDA	5.35B
EBIT	4.63B
Earnings Per Share (EPS)	0.28

Balance Sheet

The company has 3.36 billion in cash and n/a in debt, with a net cash position of 3.36 billion or 0.21 per share.

Cash & Cash Equivalents	3.36B
Total Debt	n/a
Net Cash	3.36B
Net Cash Per Share	0.21
Equity (Book Value)	19.01B
Book Value Per Share	1.19
Working Capital	1.75B

Cash Flow

In the last 12 months, operating cash flow was -5.92 billion and capital expenditures -311.04 million, giving a free cash flow of -6.23 billion.

Operating Cash Flow	-5.92B
Capital Expenditures	-311.04M
Free Cash Flow	-6.23B
FCF Per Share	-0.39

Margins

Gross margin is 28.51%, with operating and profit margins of 18.49% and 17.96%.

Gross Margin	28.51%
Operating Margin	18.49%
Pretax Margin	18.37%
Profit Margin	17.96%
EBITDA Margin	21.38%
EBIT Margin	18.49%
FCF Margin	n/a

Dividends & Yields

NGX:UNIVINSURE does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	n/a
Shareholder Yield	n/a
Earnings Yield	19.51%
FCF Yield	-27.03%

Fair Value

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

Lynch Fair Value
Lynch Upside
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	3