United Fire Group vs Universal Insurance Holdings
Universal Insurance Holdings is the larger business, with $1.60bn of revenue in fiscal 2025 against $1.39bn for United Fire Group (1.2 times as much). United Fire Group grew faster (10.6% against 5.5%). Universal Insurance Holdings kept more of each dollar of sales as profit: a net margin of 11.4% against 8.5%. United Fire Group carries less debt relative to equity (15.5% against 18.3%).
| Latest fiscal year | United Fire GroupUFCS, 2025 | Universal Insurance HoldingsUVE, 2025 |
|---|---|---|
| Revenue | $1.39bn | $1.60bn |
| Revenue growth | 10.6% | 5.5% |
| Net income | $118m | $183m |
| Operating margin | — | — |
| Net margin | 8.5% | 11.4% |
| Return on equity | 13.7% | 39.6% |
| Free cash flow | — | $377m |
| Cash | $156m | $409m |
| Total debt | $146m | $101m |
| Debt to equity | 15.5% | 18.3% |
| Dividend per share | $0.64 | $0.77 |
| Dividend yield | 1.3% | 1.6% |
| Share buybacks | — | $22.4m |
| Employees | — | 929 |
| Market value | $1.47bn | $1.34bn |
| Price vs our value range | — | — |
| Moat score | 43 (Weak) | 60 (Moderate) |
| Insider trades, 12 months | 1 buys, 5 sales | 0 buys, 21 sales |