Root vs Universal Insurance Holdings
Root and Universal Insurance Holdings are similar in size: $1.52bn and $1.60bn of revenue in their latest fiscal years. Root grew faster (29.0% against 5.5%). Universal Insurance Holdings kept more of each dollar of sales as profit: a net margin of 11.4% against 2.7%. Universal Insurance Holdings carries less debt relative to equity (18.3% against 70.5%).
| Latest fiscal year | RootROOT, 2025 | Universal Insurance HoldingsUVE, 2025 |
|---|---|---|
| Revenue | $1.52bn | $1.60bn |
| Revenue growth | 29.0% | 5.5% |
| Net income | $40.3m | $183m |
| Operating margin | 4.1% | — |
| Net margin | 2.7% | 11.4% |
| Return on equity | 16.5% | 39.6% |
| Free cash flow | $207m | $377m |
| Cash | $669m | $409m |
| Total debt | $200m | $101m |
| Debt to equity | 70.5% | 18.3% |
| Dividend per share | — | $0.77 |
| Dividend yield | — | 1.6% |
| Share buybacks | — | $22.4m |
| Employees | 1,256 | 929 |
| Market value | $879m | $1.36bn |
| Price vs our value range | — | — |
| Moat score | 27 (Weak) | 60 (Moderate) |
| Insider trades, 12 months | 0 buys, 13 sales | 0 buys, 21 sales |