Stewart Information Services Corporation (STC) vs UNIVERSAL INSURANCE HOLDINGS INC (UVE)

Stewart Information Services Corporation and UNIVERSAL INSURANCE HOLDINGS INC are both Insurance Property & Casualty companies. Stewart Information Services Corporation is the larger, with a market value of $1.6B against $1.3B — 1.2× the size. UNIVERSAL INSURANCE HOLDINGS INC trades at the lower P/E: 6.0× against 11.5×. Stewart Information Services Corporation grew revenue faster over the last twelve months: 22.5% against 3.96%. UNIVERSAL INSURANCE HOLDINGS INC has the higher net margin (13.5% vs 4.12%) and the higher return on invested capital (139.4% vs 9.12%). Both pay a dividend; Stewart Information Services Corporation yields more (4.04% vs 1.36%). Across the 21 metrics below, UNIVERSAL INSURANCE HOLDINGS INC leads on 15 and Stewart Information Services Corporation on 6.

Valuation

Metric STC UVE Insurance Property & Casualty median
P/E 11.52 6.03 10.75
P/S 0.49 0.80 1.21
P/B 0.96 2.04 1.99
Price to free cash flow 10.87 3.83 7.76
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.68% 16.59% 9.08%
Free cash flow yield 9.20% 26.13% 12.11%

Profitability

Metric STC UVE Insurance Property & Casualty median
Gross margin 64.35% 25.87% 41.16%
Operating margin 9.19% 18.37% 15.09%
Net margin 4.12% 13.49% 11.51%
Free cash flow margin 4.50% 20.85% 17.46%
Return on equity 8.64% 40.16% 17.34%
Return on assets 4.44% 6.68% 3.74%
Return on invested capital 9.12% 139.39% 12.06%

Growth

Metric STC UVE Insurance Property & Casualty median
Revenue growth (TTM) 22.49% 3.96% 8.02%
EPS growth (last fiscal year) 55.17% 214.43% 39.61%
Revenue growth, 5-year CAGR 5.01% 8.38% 9.23%
Net income growth, 5-year CAGR (5.70%) 57.14% 10.09%

Health

Metric STC UVE Insurance Property & Casualty median
Debt to equity 0.39 0.15 0.25
Current ratio 1.81 0.57 0.42
Net debt to EBITDA 0.99 (1.47) 0.08

Dividend

Metric STC UVE Insurance Property & Casualty median
Dividend yield 4.04% 1.36% 1.50%
Payout ratio 0.47 0.08 0.14

Size

Metric STC UVE Insurance Property & Casualty median
Market cap 1.59b 1.30b 2.67b

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