COMP <GO>
SAFT vs UVE // FORWARD P/E MULTIPLE
Safety Insurance Group Inc. (NASDAQ) VS. UNIVERSAL INSURANCE HOLDINGS INC (NYSE) • 15-METRIC TALLY: SAFT 3
— UVE 4
▲ FORWARD P/E MULTIPLE LEADER: UVE
LAST: $103.95 (0.00%) • MKT CAP: $1.53B
forward-pe
12.9x
LAST: $47.56 (+3.44%) • MKT CAP: $1.32B
forward-pe
6.7x
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (SAFT VS. UVE)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | SAFT | UVE | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 11.10% | 33.20% | -22.10 | UVE | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 12.58% | — | — | TIE | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 7.90% | 11.40% | -3.50 | UVE | /net-margins <GO> |
| Revenue Growth (YoY) | 12.80% | 5.50% | +7.30 | SAFT | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 3.53% | 1.67% | +1.86 | SAFT | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 6/9 | 6/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 55.3 | 62.1 | -6.74 | UVE | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple ACTIVE | 12.9x | 6.7x | +6.20 | UVE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $1.53B | $1.32B | $202.4M | SAFT | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | SAFT REV | UVE REV | SAFT GROSS % | UVE GROSS % | SAFT FCF | UVE FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.26B | $1.60B | — | — | $192.0M | $377.1M |
| FY 2024 | $1.12B | $1.52B | — | — | $124.3M | $130.0M |
| FY 2023 | $931.0M | $1.39B | — | — | $52.1M | $71.0M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
SAFT // BETA —
UVE // BETA —