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Intrinsic value of UNIVERSAL INSURANCE HOLDINGS INC (UVE)

Previous Close$12.62
Intrinsic Value
Upside potential
Previous Close
$12.62
* Our model cannot be used “out of the box” for the valuation of this stock. You can still do your own valuation by changing the valuation input parameters.
Use floor (the cash flow based valuation has rendered a result, which is lower than an estimated minimum value derived from the company’s balance sheet analysis)

VALUATION INPUT DATA (original, your and others' valuations)

ParameterOrig.Your
Date of valuation (DoV)  
Intrinsic value (IV) at DoV, $/sh  
IV at current val. algorithm, $/sh40.98 

The original valuation is based on fiscal year data as of 2021-12-31 and quarterly data as of 2022-03-31.

Registered users can save their valuation input data

  1. Annual
  2. Quarterly YoY
  3. Quarterly QoQ

Annual revenue growth rates, % (past and forecasted)

NOTE: The bar chart shows historic and forecasted yearly revenue growth rates. Its purpose is to help you in determining what initial revenue rate you want to base your stock valuation on. Please make sure that you are confident in the value you select - for most stocks it is by far the most important parameter in valuation.

Company description

Universal Insurance Holdings, Inc., together with its subsidiaries, operates as an integrated insurance holding company in the United States. The company develops, markets, and underwrites insurance products for personal residential homeowner's insurance. It also offers personal residential insurance, such as homeowners, renters/tenants, condo unit owners, and dwelling/fire, and commercial residential multi-peril; and allied lines, coverage for other structures, and personal property, as well as liability and personal articles coverages. In addition, the company provides policy and claims administration, and reinsurance intermediary services, as well as operates Universal Direct, a direct-to-consumer online platform, which enables homeowners to directly purchase, pay for, and bind homeowners' policies. It offers its products through a network of independent agents. The company was formerly known as Universal Heights, Inc. and changed its name to Universal Insurance Holdings, Inc. in January 2001. Universal Insurance Holdings, Inc. was founded in 1990 and is headquartered in Fort Lauderdale, Florida.

show cash flow forecast

FINANCIAL STATEMENTS FORECAST and PRESENT VALUE CALCULATION

Fiscal year2021(a)2022202320242025202620272028202920302031203220332034203520362037203820392040204120422043204420452046

INCOME STATEMENT

Revenue growth rate, %4.6NaN
Revenue, $1122NaN
Variable operating expenses, $mNaN
Fixed operating expenses, $mNaN
Total operating expenses, $m1094NaN
Operating income, $m28NaN
EBITDA, $m45NaN
Interest expense (income), $mNaN
Earnings before tax, $m28NaN
Tax expense, $m8NaN
Net income, $m20NaN

BALANCE SHEET

Cash and short-term investments, $m253NaN
Total assets, $m1657NaN
Adjusted assets (=assets-cash), $m1404NaN
Average production assets, $m55NaN
Working capital, $m-728NaN
Total debt, $m131NaN
Total liabilities, $m1227NaN
Total equity, $m430NaN
Debt-to-equity ratio0.304NaN
Adjusted equity ratio0.145NaN

CASH FLOW

Net income, $m20NaN
Depreciation, amort., depletion, $m17NaN
Funds from operations, $mNaN
Change in working capital, $mNaN
Cash from operations, $m234NaN
Maintenance CAPEX, $mNaN
New CAPEX, $mNaN
Total CAPEX, $m2NaN
Free cash flow, $m232NaN
Issuance/(repurchase) of shares, $mNaN
Retained Cash Flow, $mNaN
Pot'l extraordinary dividend, $m-728
Cash available for distribution, $mNaN
Discount rate, %NaN
PV of cash for distribution, $mNaN
Current shareholders' claim on cash, %NaN
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