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Universal Insurance Holdings Inc (DE:5UI)
FRANKFURT:5UI
Germany Market
5UI
Universal Insurance Holdings
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Universal Insurance Holdings (5UI) Ratios

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Universal Insurance Holdings Ratios

DE:5UI's free cash flow for Q2 2026 was $0.42. For the 2026 fiscal year, DE:5UI's free cash flow was decreased by $ and operating cash flow was $0.19. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 76.09 0.58 2.54 0.80 963.94
Quick Ratio
 76.09 0.58 2.54 2.08 299.92
Cash Ratio
 32.43 0.19 0.41 0.65 254.39
Solvency Ratio
 0.09 0.08 0.03 0.04 >-0.01
Operating Cash Flow Ratio
 20.99 0.18 0.22 0.12 212.38
Short-Term Operating Cash Flow Coverage
 0.00 0.00 93.38 4.86 220.61
Net Current Asset Value
$ -1.42B$ -1.05B$ -859.52M$ -1.48B$ -1.13B
Leverage Ratios
Debt-to-Assets Ratio
 0.03 0.04 0.04 0.05 0.04
Debt-to-Equity Ratio
 0.15 0.18 0.27 0.34 0.36
Debt-to-Capital Ratio
 0.13 0.15 0.21 0.25 0.26
Long-Term Debt-to-Capital Ratio
 0.13 0.15 0.21 0.23 0.26
Financial Leverage Ratio
 5.19 5.15 7.61 6.79 10.04
Debt Service Coverage Ratio
 42.04 40.65 9.78 3.92 -1.23
Interest Coverage Ratio
 52.65 50.30 14.67 15.17 -4.61
Debt to Market Cap
 0.08 0.11 0.17 0.24 0.32
Interest Debt Per Share
 3.71 3.78 3.76 4.10 3.53
Net Debt to EBITDA
 -1.42 -1.20 -1.64 -2.77 20.36
Profitability Margins
Gross Profit Margin
37.71%38.21%13.14%13.72%5.73%
EBIT Margin
18.43%15.64%5.94%6.77%-1.75%
EBITDA Margin
18.86%16.08%6.35%7.29%-1.15%
Operating Profit Margin
18.02%15.23%5.56%6.35%-2.23%
Pretax Profit Margin
18.02%15.23%5.56%6.35%-2.23%
Net Profit Margin
13.55%11.47%3.88%4.80%-1.82%
Continuous Operations Profit Margin
13.55%11.47%3.88%4.80%-1.82%
Net Income Per EBT
75.17%75.27%69.65%75.64%81.69%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
6.65%6.44%2.07%2.88%-0.77%
Return on Equity (ROE)
38.78%33.20%15.79%19.58%-7.73%
Return on Capital Employed (ROCE)
8.89%35.07%3.83%5.19%-0.94%
Return on Invested Capital (ROIC)
7.43%26.40%5.52%3.69%-1.41%
Return on Tangible Assets
6.94%6.75%2.17%3.03%-0.80%
Earnings Yield
18.12%19.43%9.82%14.02%-6.83%
Efficiency Ratios
Receivables Turnover
 18.98 5.17 2.16 4.70 17.57
Payables Turnover
 1.61 3.83 5.99 5.64 2.86
Inventory Turnover
 0.00 0.00 0.00 -1.52 1.14
Fixed Asset Turnover
 33.38 32.33 31.25 29.22 23.79
Asset Turnover
 0.49 0.56 0.54 0.60 0.42
Working Capital Turnover Ratio
 9.85 46.68 2.59 2.06 1.39
Cash Conversion Cycle
 -207.35 -24.64 108.48 -226.49 214.43
Days of Sales Outstanding
 19.23 70.60 169.37 77.68 20.77
Days of Inventory Outstanding
 0.00 0.00 0.00 -239.47 321.29
Days of Payables Outstanding
 226.58 95.24 60.89 64.70 127.63
Operating Cycle
 19.23 70.60 169.37 -161.79 342.06
Cash Flow Ratios
Operating Cash Flow Per Share
 12.37 13.70 4.82 2.38 10.55
Free Cash Flow Per Share
 12.20 13.54 4.56 2.24 10.39
CapEx Per Share
 0.17 0.16 0.26 0.13 0.16
Free Cash Flow to Operating Cash Flow
 0.99 0.99 0.95 0.94 0.98
Dividend Paid and CapEx Coverage Ratio
 12.83 14.33 4.63 2.60 11.31
Capital Expenditure Coverage Ratio
 73.03 85.96 18.64 17.66 66.24
Operating Cash Flow Coverage Ratio
 3.52 3.80 1.36 0.61 3.16
Operating Cash Flow to Sales Ratio
 0.21 0.24 0.09 0.05 0.27
Free Cash Flow Yield
28.01%40.05%21.66%14.05%98.15%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 5.51 5.15 10.17 7.13 -14.63
Price-to-Sales (P/S) Ratio
 0.75 0.59 0.39 0.34 0.27
Price-to-Book (P/B) Ratio
 1.90 1.71 1.61 1.40 1.13
Price-to-Free Cash Flow (P/FCF) Ratio
 3.57 2.50 4.62 7.12 1.02
Price-to-Operating Cash Flow Ratio
 3.52 2.47 4.37 6.72 1.00
Price-to-Earnings Growth (PEG) Ratio
 0.02 0.02 -1.34 -0.02 0.07
Price-to-Fair Value
 1.90 1.71 1.61 1.40 1.13
Enterprise Value Multiple
 2.54 2.47 4.58 1.93 -2.83
Enterprise Value
 778.26M 632.98M 441.97M 195.96M 39.72M
EV to EBITDA
 2.54 2.47 4.58 1.93 -2.83
EV to Sales
 0.48 0.40 0.29 0.14 0.03
EV to Free Cash Flow
 2.29 1.68 3.40 2.93 0.12
EV to Operating Cash Flow
 2.26 1.66 3.22 2.76 0.12
Tangible Book Value Per Share
 17.94 15.17 8.85 7.75 5.99
Shareholders’ Equity Per Share
 22.88 19.79 13.10 11.44 9.36
Tax and Other Ratios
Effective Tax Rate
 0.25 0.25 0.30 0.24 0.18
Revenue Per Share
 58.29 57.29 53.36 46.65 39.76
Net Income Per Share
 7.90 6.57 2.07 2.24 -0.72
Tax Burden
 0.75 0.75 0.70 0.76 0.82
Interest Burden
 0.98 0.97 0.94 0.94 1.28
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.06 0.00 0.07 0.07 0.07
Stock-Based Compensation to Revenue
 <0.01 <0.01 <0.01 <0.01 <0.01
Income Quality
 1.55 2.09 2.33 1.06 -14.58
Currency in USD