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 and UNIVERSAL INSURANCE HOLDINGS INC are of similar size ($1.3B and $1.2B). UNIVERSAL INSURANCE HOLDINGS INC trades at the lower P/E: 5.7× against 9.0×. United Fire Group, Inc grew revenue faster over the last twelve months: 11.6% against 5.51%. UNIVERSAL INSURANCE HOLDINGS INC has the higher net margin (13.9% vs 9.06%) and the higher return on invested capital (188.2% vs 0.00%). Both pay a dividend; United Fire Group, Inc yields more (1.61% vs 1.36%). Across the 21 metrics below, UNIVERSAL INSURANCE HOLDINGS INC leads on 16 and United Fire Group, Inc on 5.

Valuation

Metric UFCS UVE Insurance Property & Casualty median
P/E 9.03 5.70 12.17
P/S 0.80 0.78 1.26
P/B 1.24 2.02 1.85
Price to free cash flow 3.93 3.61 8.04
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 11.08% 17.55% 8.20%
Free cash flow yield 25.45% 27.69% 11.86%

Profitability

Metric UFCS UVE Insurance Property & Casualty median
Gross margin 34.30% 26.61% 37.39%
Operating margin 12.08% 19.02% 14.67%
Net margin 9.06% 13.94% 10.16%
Free cash flow margin 20.42% 21.63% 18.60%
Return on equity 14.90% 40.76% 16.59%
Return on assets 3.49% 7.41% 3.38%
Return on invested capital 0.00% 188.21% 9.43%

Growth

Metric UFCS UVE Insurance Property & Casualty median
Revenue growth (TTM) 11.58% 5.51% 5.70%
EPS growth (last fiscal year) 87.45% 214.43% 39.61%
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 0.00 0.15 0.25
Current ratio 0.34 0.56 0.49
Net debt to EBITDA (0.06) (1.47) 0.08

Dividend

Metric UFCS UVE Insurance Property & Casualty median
Dividend yield 1.61% 1.36% 1.56%
Payout ratio 0.15 0.08 0.15

Size

Metric UFCS UVE Insurance Property & Casualty median
Market cap 1.22b 1.31b 2.64b

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