Universal Insurance Plc (NGX:UNIVINSURE)

Universal Insurance Statistics

Total Valuation

NGX:UNIVINSURE has a market cap or net worth of NGN 19.52 billion. The enterprise value is 16.69 billion.

Market Cap	19.52B
Enterprise Value	16.69B

Important Dates

The last earnings date was Wednesday, July 30, 2025.

Earnings Date	Jul 30, 2025
Ex-Dividend Date	n/a

Share Statistics

NGX:UNIVINSURE has 16.00 billion shares outstanding. The number of shares has decreased by -0.02% in one year.

Current Share Class	16.00B
Shares Outstanding	16.00B
Shares Change (YoY)	-0.02%
Shares Change (QoQ)	-0.02%
Owned by Insiders (%)	0.01%
Owned by Institutions (%)	0.02%
Float	12.10B

Valuation Ratios

The trailing PE ratio is 8.27.

PE Ratio	8.27
Forward PE	n/a
PS Ratio	1.12
PB Ratio	1.19
P/TBV Ratio	1.20
P/FCF Ratio	16.87
P/OCF Ratio	10.02
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 8.59, with an EV/FCF ratio of 14.43.

EV / Earnings	7.07
EV / Sales	0.96
EV / EBITDA	8.59
EV / EBIT	9.83
EV / FCF	14.43

Financial Position

The company has a current ratio of 11.37

Current Ratio	11.37
Quick Ratio	6.85
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 16.21% and return on invested capital (ROIC) is 7.29%.

Return on Equity (ROE)	16.21%
Return on Assets (ROA)	4.85%
Return on Invested Capital (ROIC)	7.29%
Return on Capital Employed (ROCE)	6.74%
Revenue Per Employee	126.32M
Profits Per Employee	17.10M
Employee Count	146
Asset Turnover	0.80
Inventory Turnover	n/a

Taxes

In the past 12 months, NGX:UNIVINSURE has paid 44.81 million in taxes.

Income Tax	44.81M
Effective Tax Rate	1.86%

Stock Price Statistics

The stock price has increased by +293.55% in the last 52 weeks. The beta is 0.09, so NGX:UNIVINSURE's price volatility has been lower than the market average.

Beta (5Y)	0.09
52-Week Price Change	+293.55%
50-Day Moving Average	0.75
200-Day Moving Average	0.58
Relative Strength Index (RSI)	65.85
Average Volume (20 Days)	100,181,809

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 17.43 billion and earned 2.36 billion in profits. Earnings per share was 0.15.

Revenue	17.43B
Gross Profit	1.84B
Operating Income	1.70B
Pretax Income	2.40B
Net Income	2.36B
EBITDA	1.94B
EBIT	1.70B
Earnings Per Share (EPS)	0.15

Balance Sheet

The company has 2.83 billion in cash and n/a in debt, giving a net cash position of 2.83 billion or 0.18 per share.

Cash & Cash Equivalents	2.83B
Total Debt	n/a
Net Cash	2.83B
Net Cash Per Share	0.18
Equity (Book Value)	16.41B
Book Value Per Share	1.03
Working Capital	7.64B

Cash Flow

In the last 12 months, operating cash flow was 1.95 billion and capital expenditures -790.65 million, giving a free cash flow of 1.16 billion.

Operating Cash Flow	1.95B
Capital Expenditures	-790.65M
Free Cash Flow	1.16B
FCF Per Share	0.07

Margins

Gross margin is 10.57%, with operating and profit margins of 9.74% and 13.54%.

Gross Margin	10.57%
Operating Margin	9.74%
Pretax Margin	13.79%
Profit Margin	13.54%
EBITDA Margin	11.15%
EBIT Margin	9.74%
FCF Margin	6.64%

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	0.02%
Shareholder Yield	n/a
Earnings Yield	12.09%
FCF Yield	5.93%

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	5