RLI vs Universal Insurance
RLI 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 RLI and UVE compare
RLI is the larger company, worth 4.8 times as much as Universal Insurance ($6.4B against $1.3B).
On earnings, Universal Insurance is cheaper: it trades at 6.1× trailing earnings, against 16.2× for RLI.
Universal Insurance grew revenue faster over the last twelve months (5.5% versus 4.6% for RLI).
RLI keeps more of each dollar of sales as profit, with a net margin of 20.3% compared with 13.9% at Universal Insurance.
Both pay dividends: RLI yields 6.7% and Universal Insurance 1.6%.
Universal Insurance scores higher on the StockData Score (16 against 10 for RLI), 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 | RLI | UVE |
|---|---|---|
| Size and price | ||
| Market cap | $6.4B | $1.3B |
| Share price | $69.65 | $48.57 |
| Change, 1 year | 12.0% | 40.8% |
| Change, 5 years | 25.6% | 217% |
| Beta (5Y) | 0.32 | 0.45 |
| Employees | 1,193 | 929 |
| StockData Score | ||
| Total score | 10 | 16 (better) |
| Valuation score | 1 | 4 (better) |
| Growth score | 0 | 2 (better) |
| Performance score | 5 | 6 (better) |
| Health score | 0 | 0 |
| Dividend score | 4 | 4 |
| Valuation | ||
| P/E | 16.2× | 6.1× (better) |
| P/S | 3.3× | 0.8× (better) |
| P/B | 3.8× | 2.1× (better) |
| P/FCF | 12.0× | 3.7× (better) |
| FCF yield | 8.3% | 26.8% (better) |
| Fair value | $58.62 | $56.96 |
| Margin of safety | −18.8% | 14.7% (better) |
| Growth | ||
| Revenue growth (TTM) | 4.6% | 5.5% (better) |
| Revenue growth, 5Y average | 13.9% (better) | 8.4% |
| Net income growth (TTM) | 11.9% | 90.0% (better) |
| EPS growth (TTM) | 12.6% | 88.7% (better) |
| EPS growth, 5Y average | 20.4% | 60.1% (better) |
| Profitability | ||
| Net margin | 20.3% (better) | 13.9% |
| FCF margin | 27.4% (better) | 21.6% |
| Return on equity | 22.1% | 40.8% (better) |
| Financial health | ||
| Altman Z-score | 1.53 (better) | 1.24 |
| Piotroski F-score | 6 | 6 |
| Dividends and buybacks | ||
| Dividend yield | 6.7% (better) | 1.6% |
| Payout ratio | 109% | 9.5% |
| Years of dividend growth | 2 (better) | 0 |
| Dividend growth, 5Y average | 22.0% (better) | 0.00% |
| Buyback yield | – | 1.9% |
| Shareholder yield | 6.7% (better) | 3.5% |
| Ownership | ||
| Held by institutions | 95.6% | 78.0% |
| Held by insiders | 1.6% | 14.5% |
| Insider net buying, 12 months | $1.5M (better) | −$10.7M |
| Superinvestors holding | 1 | – |
| Short interest, % of float | 9.4% | 4.4% |
Go deeper
- RLI stock overview
- RLI income statement
- RLI valuation and score
- UVE stock overview
- UVE income statement
- UVE valuation and score
Other comparisons
For information only, not investment advice. Check the source filings before relying on any figure.