United Fire vs Universal Insurance
UFCS 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 UFCS and UVE compare
United Fire and Universal Insurance are about the same size, with market caps of $1.5B and $1.3B.
On earnings, Universal Insurance is cheaper: it trades at 6.1× trailing earnings, against 10.6× for United Fire.
United Fire grew revenue faster over the last twelve months (11.4% 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 9.6% at United Fire.
Both pay dividends: United Fire yields 1.3% and Universal Insurance 1.6%.
Universal Insurance scores higher on the StockData Score (15 against 10 for United Fire), 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 | UFCS | UVE |
|---|---|---|
| Size and price | ||
| Market cap | $1.5B | $1.3B |
| Share price | $56.83 | $48.50 |
| Change, 1 year | 89.2% | 54.3% |
| Change, 5 years | 155% | 218% |
| Beta (5Y) | 0.46 | 0.44 |
| Employees | 1,173 | 929 |
| StockData Score | ||
| Total score | 10 | 15 (better) |
| Valuation score | 3 | 4 (better) |
| Growth score | 3 (better) | 1 |
| Performance score | 2 | 6 (better) |
| Health score | 0 | 0 |
| Dividend score | 2 | 4 (better) |
| Valuation | ||
| P/E | 10.6× | 6.1× (better) |
| P/S | 1.0× | 0.8× (better) |
| P/B | 1.5× (better) | 2.1× |
| EV/EBITDA | 6.6× | – |
| P/FCF | – | 3.7× |
| PEG | 0.11 | – |
| FCF yield | – | 26.7% |
| Fair value | $52.46 | $56.78 |
| Margin of safety | −8.3% | 14.6% (better) |
| Growth | ||
| Revenue growth (TTM) | 11.4% (better) | 5.5% |
| Revenue growth, 5Y average | 5.3% | 8.4% (better) |
| Net income growth (TTM) | 53.5% | 90.0% (better) |
| EPS growth (TTM) | 53.3% | 88.7% (better) |
| EPS growth, 5Y average | – | 60.1% |
| Profitability | ||
| Net margin | 9.6% | 13.9% (better) |
| FCF margin | – | 21.6% |
| Return on equity | 15.5% | 40.8% (better) |
| Financial health | ||
| Altman Z-score | 0.93 | 1.24 (better) |
| Piotroski F-score | 5 | 6 (better) |
| Dividends and buybacks | ||
| Dividend yield | 1.3% | 1.6% (better) |
| Payout ratio | 13.1% | 9.5% |
| Years of dividend growth | 0 | 0 |
| Dividend growth, 5Y average | −10.9% | 0.00% (better) |
| Buyback yield | 0.14% | 1.9% (better) |
| Shareholder yield | 1.5% | 3.5% (better) |
| Ownership | ||
| Held by institutions | 68.4% | 77.6% |
| Held by insiders | 16.4% | 14.6% |
| Insider net buying, 12 months | −$994K (better) | −$9.2M |
| Short interest, % of float | 2.2% | 5.0% |
Go deeper
- UFCS stock overview
- UFCS income statement
- UFCS 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.