Universal Insurance Plc (NGX:UNIVINSURE)

Universal Insurance Statistics

Total Valuation

NGX:UNIVINSURE has a market cap or net worth of NGN 19.68 billion. The enterprise value is 16.85 billion.

Market Cap	19.68B
Enterprise Value	16.85B

Important Dates

The next estimated earnings date is Wednesday, October 29, 2025.

Earnings Date	Oct 29, 2025
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)	n/a
Owned by Insiders (%)	0.01%
Owned by Institutions (%)	0.01%
Float	12.10B

Valuation Ratios

The trailing PE ratio is 8.47.

PE Ratio	8.47
Forward PE	n/a
PS Ratio	1.08
PB Ratio	1.20
P/TBV Ratio	1.21
P/FCF Ratio	17.01
P/OCF Ratio	10.10
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 7.62, with an EV/FCF ratio of 14.56.

EV / Earnings	7.26
EV / Sales	0.92
EV / EBITDA	7.62
EV / EBIT	8.30
EV / FCF	14.56

Financial Position

The company has a current ratio of 3.17

Current Ratio	3.17
Quick Ratio	1.41
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 15.96% and return on invested capital (ROIC) is 8.71%.

Return on Equity (ROE)	15.96%
Return on Assets (ROA)	5.79%
Return on Invested Capital (ROIC)	8.71%
Return on Capital Employed (ROCE)	8.72%
Revenue Per Employee	116.53M
Profits Per Employee	14.79M
Employee Count	99
Asset Turnover	0.84
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	1.89%

Stock Price Statistics

The stock price has increased by +215.39% in the last 52 weeks. The beta is 0.13, so NGX:UNIVINSURE's price volatility has been lower than the market average.

Beta (5Y)	0.13
52-Week Price Change	+215.39%
50-Day Moving Average	1.01
200-Day Moving Average	0.67
Relative Strength Index (RSI)	53.97
Average Volume (20 Days)	50,605,078

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 18.30 billion and earned 2.32 billion in profits. Earnings per share was 0.15.

Revenue	18.30B
Gross Profit	3.80B
Operating Income	2.03B
Pretax Income	2.37B
Net Income	2.32B
EBITDA	2.21B
EBIT	2.03B
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	5.73B

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 20.79%, with operating and profit margins of 11.09% and 12.69%.

Gross Margin	20.79%
Operating Margin	11.09%
Pretax Margin	12.94%
Profit Margin	12.69%
EBITDA Margin	12.08%
EBIT Margin	11.09%
FCF Margin	6.33%

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	11.80%
FCF Yield	5.88%

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	4