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Universal Insurance Holdings (UVE) Ratios
Universal Insurance Holdings Ratios
UVE's free cash flow for Q3 2026 was $81.95M. For the 2026 fiscal year, UVE's free cash flow was decreased by $-1.08M and operating cash flow was $83.03M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.58 | 2.54 | 0.80 | 963.94 | 2.33 |
| Quick Ratio | 0.58 | 2.54 | 2.08 | 299.92 | 4.04 |
| Cash Ratio | 0.19 | 0.41 | 0.65 | 254.39 | 1.16 |
| Solvency Ratio | 0.08 | 0.03 | 0.04 | -0.01 | 0.02 |
| Operating Cash Flow Ratio | 0.18 | 0.22 | 0.12 | 212.38 | 1.09 |
| Short-Term Operating Cash Flow Coverage | 0.00 | 93.38 | 4.86 | 220.61 | 8.76 |
| Net Current Asset Value | $ -1.05B | $ -859.52M | $ -1.48B | $ -1.13B | $ -1.13B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.04 | 0.04 | 0.05 | 0.04 | 0.06 |
| Debt-to-Equity Ratio | 0.18 | 0.27 | 0.34 | 0.36 | 0.30 |
| Debt-to-Capital Ratio | 0.15 | 0.21 | 0.25 | 0.26 | 0.23 |
| Long-Term Debt-to-Capital Ratio | 0.15 | 0.21 | 0.23 | 0.26 | 0.19 |
| Financial Leverage Ratio | 5.15 | 7.61 | 6.79 | 10.04 | 4.79 |
| Debt Service Coverage Ratio | 40.65 | 9.78 | 3.92 | -1.23 | 1.02 |
| Interest Coverage Ratio | 50.30 | 14.67 | 15.17 | -4.61 | 48.82 |
| Debt to Market Cap | 0.11 | 0.17 | 0.24 | 0.32 | 0.25 |
| Interest Debt Per Share | 3.78 | 3.76 | 4.10 | 3.53 | 4.20 |
| Net Debt to EBITDA | -1.20 | -1.64 | -2.77 | 20.36 | -3.34 |
| Profitability Margins | |||||
| Gross Profit Margin | 38.21% | 13.14% | 13.72% | 5.73% | 10.38% |
| EBIT Margin | 15.64% | 5.94% | 6.77% | -1.75% | 2.58% |
| EBITDA Margin | 16.08% | 6.35% | 7.29% | -1.15% | 3.20% |
| Operating Profit Margin | 15.23% | 5.56% | 6.35% | -2.23% | 2.53% |
| Pretax Profit Margin | 15.23% | 5.56% | 6.35% | -2.23% | 2.53% |
| Net Profit Margin | 11.47% | 3.88% | 4.80% | -1.82% | 1.82% |
| Continuous Operations Profit Margin | 11.47% | 3.88% | 4.80% | -1.82% | 1.82% |
| Net Income Per EBT | 75.27% | 69.65% | 75.64% | 81.69% | 71.82% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 6.44% | 2.07% | 2.88% | -0.77% | 0.99% |
| Return on Equity (ROE) | 33.20% | 15.79% | 19.58% | -7.73% | 4.75% |
| Return on Capital Employed (ROCE) | 35.07% | 3.83% | 5.19% | -0.94% | 1.54% |
| Return on Invested Capital (ROIC) | 26.40% | 5.52% | 3.69% | -1.41% | 1.40% |
| Return on Tangible Assets | 6.75% | 2.17% | 3.03% | -0.80% | 1.05% |
| Earnings Yield | 19.43% | 9.82% | 14.02% | -6.83% | 3.85% |
| Efficiency Ratios | |||||
| Receivables Turnover | 5.17 | 2.16 | 4.70 | 17.57 | 4.48 |
| Payables Turnover | 3.83 | 5.99 | 5.64 | 2.86 | 5.33 |
| Inventory Turnover | 0.00 | 0.00 | -1.52 | 1.14 | -2.72 |
| Fixed Asset Turnover | 32.33 | 31.25 | 29.22 | 23.79 | 20.90 |
| Asset Turnover | 0.56 | 0.54 | 0.60 | 0.42 | 0.55 |
| Working Capital Turnover Ratio | 46.68 | 2.59 | 2.06 | 1.39 | 7.86 |
| Cash Conversion Cycle | -24.64 | 108.48 | -226.49 | 214.43 | -121.34 |
| Days of Sales Outstanding | 70.60 | 169.37 | 77.68 | 20.77 | 81.51 |
| Days of Inventory Outstanding | 0.00 | 0.00 | -239.47 | 321.29 | -134.36 |
| Days of Payables Outstanding | 95.24 | 60.89 | 64.70 | 127.63 | 68.49 |
| Operating Cycle | 70.60 | 169.37 | -161.79 | 342.06 | -52.85 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 13.70 | 4.82 | 2.38 | 10.55 | 7.51 |
| Free Cash Flow Per Share | 13.54 | 4.56 | 2.24 | 10.39 | 7.28 |
| Dividend Paid and CapEx Coverage Ratio | 14.33 | 4.63 | 2.60 | 11.31 | 7.46 |
| Capital Expenditure Coverage Ratio | 85.96 | 18.64 | 17.66 | 66.24 | 32.44 |
| Operating Cash Flow Coverage Ratio | 3.80 | 1.36 | 0.61 | 3.16 | 1.80 |
| Operating Cash Flow to Sales Ratio | 0.24 | 0.09 | 0.05 | 0.27 | 0.21 |
| Free Cash Flow Yield | 40.05% | 21.66% | 14.05% | 98.15% | 42.80% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 5.15 | 10.17 | 7.13 | -14.63 | 26.01 |
| Price-to-Sales (P/S) Ratio | 0.59 | 0.39 | 0.34 | 0.27 | 0.47 |
| Price-to-Book (P/B) Ratio | 1.71 | 1.61 | 1.40 | 1.13 | 1.24 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 2.50 | 4.62 | 7.12 | 1.02 | 2.34 |
| Price-to-Operating Cash Flow Ratio | 2.47 | 4.37 | 6.72 | 1.00 | 2.26 |
| Price-to-Earnings Growth (PEG) Ratio | 0.02 | -1.34 | -0.02 | 0.07 | 3.12 |
| Enterprise Value Multiple | 2.47 | 4.58 | 1.93 | -2.83 | 11.44 |
| Enterprise Value | 632.98M | 441.97M | 195.96M | 39.72M | 410.63M |
| EV to EBITDA | 2.47 | 4.58 | 1.93 | -2.83 | 11.44 |
| EV to Sales | 0.40 | 0.29 | 0.14 | 0.03 | 0.37 |
| EV to Free Cash Flow | 1.68 | 3.40 | 2.93 | 0.12 | 1.81 |
| EV to Operating Cash Flow | 1.66 | 3.22 | 2.76 | 0.12 | 1.75 |
| Tangible Book Value Per Share | 15.17 | 8.85 | 7.75 | 5.99 | 10.28 |
| Shareholders’ Equity Per Share | 19.79 | 13.10 | 11.44 | 9.36 | 13.76 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.25 | 0.30 | 0.24 | 0.18 | 0.28 |
| Revenue Per Share | 57.29 | 53.36 | 46.65 | 39.76 | 35.94 |
| Net Income Per Share | 6.57 | 2.07 | 2.24 | -0.72 | 0.65 |
| Tax Burden | 0.75 | 0.70 | 0.76 | 0.82 | 0.72 |
| Interest Burden | 0.97 | 0.94 | 0.94 | 1.28 | 0.98 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.00 | 0.07 | 0.07 | 0.07 | 0.08 |
| Stock-Based Compensation to Revenue | 0.01 | 0.01 | 0.00 | 0.00 | 0.01 |
| Income Quality | 2.09 | 2.33 | 1.06 | -14.58 | 11.49 |
Currency in USD
