Universal Insurance Plc (NGX:UNIVINSURE)

Universal Insurance Statistics

Total Valuation

NGX:UNIVINSURE has a market cap or net worth of NGN 18.72 billion. The enterprise value is 16.00 billion.

Market Cap	18.72B
Enterprise Value	16.00B

Important Dates

The last earnings date was 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)	+0.18%
Owned by Insiders (%)	0.01%
Owned by Institutions (%)	0.01%
Float	11.13B

Valuation Ratios

The trailing PE ratio is 6.60.

PE Ratio	6.60
Forward PE	n/a
PS Ratio	0.81
PB Ratio	1.16
P/TBV Ratio	1.18
P/FCF Ratio	41.31
P/OCF Ratio	21.74
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 8.01, with an EV/FCF ratio of 35.30.

EV / Earnings	5.64
EV / Sales	0.69
EV / EBITDA	8.01
EV / EBIT	9.83
EV / FCF	35.30

Financial Position

The company has a current ratio of 1.84

Current Ratio	1.84
Quick Ratio	1.09
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 19.96% and return on invested capital (ROIC) is 7.16%.

Return on Equity (ROE)	19.96%
Return on Assets (ROA)	4.87%
Return on Invested Capital (ROIC)	7.16%
Return on Capital Employed (ROCE)	7.86%
Revenue Per Employee	149.04M
Profits Per Employee	18.30M
Employee Count	99
Asset Turnover	1.11
Inventory Turnover	n/a

Taxes

In the past 12 months, NGX:UNIVINSURE has paid 50.16 million in taxes.

Income Tax	50.16M
Effective Tax Rate	1.74%

Stock Price Statistics

The stock price has increased by +265.63% in the last 52 weeks. The beta is 0.11, so NGX:UNIVINSURE's price volatility has been lower than the market average.

Beta (5Y)	0.11
52-Week Price Change	+265.63%
50-Day Moving Average	1.16
200-Day Moving Average	0.82
Relative Strength Index (RSI)	53.23
Average Volume (20 Days)	13,760,129

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 23.10 billion and earned 2.84 billion in profits. Earnings per share was 0.18.

Revenue	23.10B
Gross Profit	5.18B
Operating Income	1.63B
Pretax Income	2.89B
Net Income	2.84B
EBITDA	2.00B
EBIT	1.63B
Earnings Per Share (EPS)	0.18

Balance Sheet

The company has 2.72 billion in cash and n/a in debt, giving a net cash position of 2.72 billion or 0.17 per share.

Cash & Cash Equivalents	2.72B
Total Debt	n/a
Net Cash	2.72B
Net Cash Per Share	0.17
Equity (Book Value)	16.09B
Book Value Per Share	1.01
Working Capital	2.46B

Cash Flow

In the last 12 months, operating cash flow was 861.08 million and capital expenditures -407.93 million, giving a free cash flow of 453.15 million.

Operating Cash Flow	861.08M
Capital Expenditures	-407.93M
Free Cash Flow	453.15M
FCF Per Share	0.03

Margins

Gross margin is 22.42%, with operating and profit margins of 7.04% and 12.28%.

Gross Margin	22.42%
Operating Margin	7.04%
Pretax Margin	12.49%
Profit Margin	12.28%
EBITDA Margin	8.64%
EBIT Margin	7.04%
FCF Margin	1.96%

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	15.15%
FCF Yield	2.42%

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