HCI vs Universal Insurance
HCI and UVE side by side, both in fire, marine, and casualty insurance. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How HCI and UVE compare
HCI is the larger company, worth 1.8 times as much as Universal Insurance ($2.5B against $1.3B).
On earnings, Universal Insurance is cheaper: it trades at 6.1× trailing earnings, against 8.5× for HCI.
HCI grew revenue faster over the last twelve months (22.8% versus 5.5% for Universal Insurance).
HCI keeps more of each dollar of sales as profit, with a net margin of 32.6% compared with 13.9% at Universal Insurance.
Both pay dividends: HCI yields 0.81% and Universal Insurance 1.6%.
HCI scores higher on the StockData Score (16 against 15 for Universal Insurance), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | HCI | UVE |
|---|---|---|
| Size and price | ||
| Market cap | $2.5B | $1.3B |
| Share price | $197.87 | $48.50 |
| Change, 1 year | −1.6% | 54.3% |
| Change, 5 years | 46.9% | 218% |
| Beta (5Y) | 0.60 | 0.44 |
| Employees | 594 | 929 |
| StockData Score | ||
| Total score | 16 (better) | 15 |
| Valuation score | 3 | 4 (better) |
| Growth score | 3 (better) | 1 |
| Performance score | 6 | 6 |
| Health score | 0 | 0 |
| Dividend score | 4 | 4 |
| Valuation | ||
| P/E | 8.5× | 6.1× (better) |
| P/S | 2.6× | 0.8× (better) |
| P/B | 2.3× | 2.1× (better) |
| EV/EBITDA | 3.6× | – |
| P/FCF | 6.0× | 3.7× (better) |
| FCF yield | 16.6% | 26.7% (better) |
| Fair value | $227.48 | $56.78 |
| Margin of safety | 13.0% | 14.6% (better) |
| Growth | ||
| Revenue growth (TTM) | 22.8% (better) | 5.5% |
| Revenue growth, 5Y average | 23.8% (better) | 8.4% |
| Net income growth (TTM) | 115% (better) | 90.0% |
| EPS growth (TTM) | 106% (better) | 88.7% |
| EPS growth, 5Y average | 45.5% | 60.1% (better) |
| Profitability | ||
| Net margin | 32.6% (better) | 13.9% |
| FCF margin | 43.0% (better) | 21.6% |
| Return on equity | 33.8% | 40.8% (better) |
| Financial health | ||
| Altman Z-score | 1.76 (better) | 1.24 |
| Piotroski F-score | 5 | 6 (better) |
| Dividends and buybacks | ||
| Dividend yield | 0.81% | 1.6% (better) |
| Payout ratio | 6.7% | 9.5% |
| Years of dividend growth | 0 | 0 |
| Dividend growth, 5Y average | 0.00% | 0.00% |
| Buyback yield | 3.1% (better) | 1.9% |
| Shareholder yield | 3.9% (better) | 3.5% |
| Ownership | ||
| Held by institutions | 75.4% | 77.6% |
| Held by insiders | 13.8% | 14.6% |
| Insider net buying, 12 months | – | −$9.2M |
| Short interest, % of float | – | 5.0% |
Go deeper
- HCI stock overview
- HCI income statement
- HCI valuation and score
- UVE stock overview
- UVE income statement
- UVE valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.