Bowhead Specialty Holdings Inc. (BOW) vs UNIVERSAL INSURANCE HOLDINGS INC (UVE)

Bowhead Specialty Holdings Inc. and UNIVERSAL INSURANCE HOLDINGS INC are both Insurance Property & Casualty companies. UNIVERSAL INSURANCE HOLDINGS INC is the larger, with a market value of $1.3B against $1.1B — 1.2× the size. UNIVERSAL INSURANCE HOLDINGS INC trades at the lower P/E: 5.7× against 19.1×. Bowhead Specialty Holdings Inc. grew revenue faster over the last twelve months: 23.8% against 5.51%. UNIVERSAL INSURANCE HOLDINGS INC has the higher net margin (13.9% vs 9.32%) and the higher return on invested capital (188.2% vs 16.5%). Across the 18 metrics below, UNIVERSAL INSURANCE HOLDINGS INC leads on 13 and Bowhead Specialty Holdings Inc. on 5.

Valuation

Metric BOW UVE Insurance Property & Casualty median
P/E 19.05 5.70 12.17
P/S 1.75 0.78 1.26
P/B 2.49 2.02 1.85
Price to free cash flow 2.77 3.61 8.04
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 5.25% 17.55% 8.20%
Free cash flow yield 36.13% 27.69% 11.86%

Profitability

Metric BOW UVE Insurance Property & Casualty median
Gross margin 29.81% 26.61% 37.39%
Operating margin 13.36% 19.02% 14.67%
Net margin 9.32% 13.94% 10.16%
Free cash flow margin 63.24% 21.63% 18.60%
Return on equity 13.60% 40.76% 16.59%
Return on assets 2.42% 7.41% 3.38%
Return on invested capital 16.51% 188.21% 9.43%

Growth

Metric BOW UVE Insurance Property & Casualty median
Revenue growth (TTM) 23.83% 5.51% 5.70%
EPS growth (last fiscal year) 23.26% 214.43% 39.61%
Revenue growth, 5-year CAGR — 8.38% 9.23%
Net income growth, 5-year CAGR — 57.14% 10.09%

Health

Metric BOW UVE Insurance Property & Casualty median
Debt to equity 0.33 0.15 0.25
Current ratio 0.50 0.56 0.49
Net debt to EBITDA (1.19) (1.47) 0.08

Dividend

Metric BOW UVE Insurance Property & Casualty median
Dividend yield — 1.36% 1.56%
Payout ratio — 0.08 0.15

Size

Metric BOW UVE Insurance Property & Casualty median
Market cap 1.13b 1.31b 2.64b

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack