Profitability
Weight: 25%
A+
100
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 2.2%
- Operating Margin Trend +3.32 pp/yr
UVE
Universal Insurance Holdings, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
A-
86
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 14.5%
- 5yr Share-Count CAGR -2.1%
Growth Quality
Weight: 10%
A+
96
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 20.8%
- 5yr EPS CAGR 76.6%
- Positive-EPS Years (5) 4/5
Cash Generation
Weight: 5%
A
90
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI 4.24x
Balance Sheet
Weight: 30%
A+
100
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 19.4%
- Interest Coverage (EBIT/Int) 51.63x
Stability
Weight: 10%
C
56
- EPS Volatility (σ/μ) 0.65
- Piotroski F-Score 7
- Negative-Revenue Years (5) 0/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.3 of 3 gurus held; 1 new buy; 1 added; 1 trimmed.
- Holders
- 3 +1
- Avg Δ position
- +24.8%
- New buys
- 1
- Full exits
- 0