Profitability
Weight: 25%
F
26
Scored using loss ratio — insurer-archetype substitution.
- Loss Ratio 68.5%
- Loss Ratio Trend +4.59 pp/yr
UVE
Universal Insurance Holdings, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 15%
B+
79
- 5yr Avg ROE 13.1%
- 5yr Share-Count CAGR -2.1%
Growth Quality
Weight: 10%
C+
59
Scored using premium growth cross-checked against loss-ratio trend — insurer-archetype substitution.
- 5yr Premium CAGR 9.3%
- Loss Ratio Trend (growth quality check) +4.59 pp/yr
- Revenue-Growth Years (5) 5/5
Cash Generation
Weight: 15%
D
39
Scored using reserve development and loss-ratio stability — insurer-archetype substitution.
- Reserve Development -1.8%
- Loss Ratio Stability (σ) 0.17
Balance Sheet
Weight: 25%
A
89
Scored using premiums-to-surplus — insurer-archetype substitution.
- Premiums / Surplus 2.61x
- Interest Coverage (EBIT/Int) 51.63x
Stability
Weight: 10%
C
56
- EPS Volatility (σ/μ) 0.65
- Negative-Revenue Years (5) 0/5
- Piotroski F-Score 7
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.2 of 3 gurus held; 2 added; 1 full exit.
- Holders
- 2 -1
- Avg Δ position
- +7.1%
- New buys
- 0
- Full exits
- 1