Root vs Universal Insurance
ROOT 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 ROOT and UVE compare
Universal Insurance is the larger company, worth 2.0 times as much as Root ($1.3B against $681M).
On earnings, Universal Insurance is cheaper: it trades at 6.0× trailing earnings, against 9.3× for Root.
Root grew revenue faster over the last twelve months (7.9% versus 5.5% for Universal Insurance).
Universal Insurance keeps more of each dollar of sales as profit, with a net margin of 13.9% compared with 5.2% at Root.
Universal Insurance pays a dividend yielding 1.6%; Root does not pay one.
Universal Insurance scores higher on the StockData Score (16 against 9 for Root), 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 | ROOT | UVE |
|---|---|---|
| Size and price | ||
| Market cap | $681M | $1.3B |
| Share price | $43.97 | $48.13 |
| Change, 1 year | −51.6% | 39.2% |
| Change, 5 years | −45.6% | 215% |
| Beta (5Y) | 1.85 | 0.45 |
| Employees | 1,256 | 929 |
| StockData Score | ||
| Total score | 9 | 16 (better) |
| Valuation score | 3 | 4 (better) |
| Growth score | 2 | 2 |
| Performance score | 3 | 6 (better) |
| Health score | 1 (better) | 0 |
| Dividend score | 0 | 4 (better) |
| Valuation | ||
| P/E | 9.3× | 6.0× (better) |
| P/S | 0.4× (better) | 0.8× |
| P/B | 2.1× | 2.1× (better) |
| EV/EBITDA | 0.7× | – |
| P/FCF | – | 3.7× |
| FCF yield | – | 27.1% |
| Fair value | $47.16 | $56.77 |
| Margin of safety | 6.8% | 15.2% (better) |
| Growth | ||
| Revenue growth (TTM) | 7.9% (better) | 5.5% |
| Revenue growth, 5Y average | 34.3% (better) | 8.4% |
| Net income growth (TTM) | 41.9% | 90.0% (better) |
| EPS growth (TTM) | 46.7% | 88.7% (better) |
| EPS growth, 5Y average | – | 60.1% |
| Profitability | ||
| Operating margin | 6.7% | – |
| Net margin | 5.2% | 13.9% (better) |
| FCF margin | – | 21.6% |
| Return on equity | 27.4% | 40.8% (better) |
| Financial health | ||
| Interest coverage | 5.9× | – |
| Altman Z-score | 0.16 | 1.24 (better) |
| Piotroski F-score | 6 | 6 |
| Dividends and buybacks | ||
| Dividend yield | – | 1.6% |
| Payout ratio | – | 9.5% |
| Years of dividend growth | – | 0 |
| Dividend growth, 5Y average | – | 0.00% |
| Buyback yield | – | 2.0% |
| Shareholder yield | 0.00% | 3.6% (better) |
| Ownership | ||
| Held by institutions | 60.9% | 78.0% |
| Held by insiders | 40.6% | 14.5% |
| Insider net buying, 12 months | −$3.1M (better) | −$10.7M |
| Short interest, % of float | 22.0% | 4.4% |
Go deeper
- ROOT stock overview
- ROOT income statement
- ROOT 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.