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Screener Weekly Summary Pricing

United Fire Group, Inc (UFCS) vs UNIVERSAL INSURANCE HOLDINGS INC (UVE)

United Fire Group, Inc and UNIVERSAL INSURANCE HOLDINGS INC are both Insurance Property & Casualty companies. United Fire Group, Inc is the larger, with a market value of $1.4B against $1.2B — 1.2× the size. UNIVERSAL INSURANCE HOLDINGS INC trades at the lower P/E: 5.4× against 9.9×. United Fire Group, Inc grew revenue faster over the last twelve months: 11.4% against 3.96%. UNIVERSAL INSURANCE HOLDINGS INC has the higher net margin (13.5% vs 9.57%) and the higher return on invested capital (139.4% vs 12.0%). Both pay a dividend; UNIVERSAL INSURANCE HOLDINGS INC yields more (4.00% vs 2.93%). Across the 23 metrics below, UNIVERSAL INSURANCE HOLDINGS INC leads on 19 and United Fire Group, Inc on 4.

Valuation

Metric UFCS UVE Insurance Property & Casualty median
P/E 9.91 5.40 10.29
P/S 0.93 0.71 1.17
P/B 1.40 1.83 1.83
Price to free cash flow 5.10 3.43 7.48
EV/EBITDA 6.85 2.23 7.49
EV/Sales 0.93 0.41 1.13
Earnings yield 10.09% 18.53% 9.50%
Free cash flow yield 19.60% 29.19% 13.29%

Profitability

Metric UFCS UVE Insurance Property & Casualty median
Gross margin 35.24% 25.87% 41.16%
Operating margin 12.87% 18.37% 15.09%
Net margin 9.57% 13.49% 11.51%
Free cash flow margin 18.22% 20.85% 17.59%
Return on equity 15.46% 40.16% 18.19%
Return on assets 3.67% 6.68% 3.74%
Return on invested capital 12.03% 139.39% 12.06%

Growth

Metric UFCS UVE Insurance Property & Casualty median
Revenue growth (TTM) 11.36% 3.96% 8.69%
EPS growth (last fiscal year) 87.45% 214.43% —
Revenue growth, 5-year CAGR 5.34% 8.38% 9.23%
Net income growth, 5-year CAGR 0.00% 57.14% 10.09%

Health

Metric UFCS UVE Insurance Property & Casualty median
Debt to equity 0.15 0.15 0.25
Current ratio 0.34 0.57 0.42
Net debt to EBITDA (0.06) (1.47) 0.08

Dividend

Metric UFCS UVE Insurance Property & Casualty median
Dividend yield 2.93% 4.00% 2.79%
Payout ratio 0.30 3.20 0.27

Size

Metric UFCS UVE Insurance Property & Casualty median
Market cap 1.37b 1.18b 2.44b

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