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 $1.5B against $1.3B — 1.1× the size. UNIVERSAL INSURANCE HOLDINGS INC trades at the lower P/E: 5.7× against 12.2×. Stewart Information Services Corporation grew revenue faster over the last twelve months: 20.6% against 5.51%. UNIVERSAL INSURANCE HOLDINGS INC has the higher net margin (13.9% vs 3.58%) and the higher return on invested capital (188.2% vs 8.33%). Both pay a dividend; Stewart Information Services Corporation yields more (4.37% 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 12.20 5.70 12.17
P/S 0.44 0.78 1.26
P/B 0.88 2.02 1.85
Price to free cash flow 10.07 3.61 8.04
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.20% 17.55% 8.20%
Free cash flow yield 9.93% 27.69% 11.86%

Profitability

Metric STC UVE Insurance Property & Casualty median
Gross margin 64.86% 26.61% 37.39%
Operating margin 8.64% 19.02% 14.67%
Net margin 3.58% 13.94% 10.16%
Free cash flow margin 0.00% 21.63% 18.60%
Return on equity 7.63% 40.76% 16.59%
Return on assets 3.93% 7.41% 3.38%
Return on invested capital 8.33% 188.21% 9.43%

Growth

Metric STC UVE Insurance Property & Casualty median
Revenue growth (TTM) 20.55% 5.51% 5.70%
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 1.63 0.56 0.49
Net debt to EBITDA 0.99 (1.47) 0.08

Dividend

Metric STC UVE Insurance Property & Casualty median
Dividend yield 4.37% 1.36% 1.56%
Payout ratio 0.53 0.08 0.15

Size

Metric STC UVE Insurance Property & Casualty median
Market cap 1.50b 1.31b 2.64b

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