COMP <GO>
UFCS vs UVE // PIOTROSKI F-SCORE QUALITY
United Fire Group Inc. (NASDAQ) VS. UNIVERSAL INSURANCE HOLDINGS INC (NYSE) • 15-METRIC TALLY: UFCS 2
— UVE 5
■ METRIC PARITY
LAST: $56.99 (+1.19%) • MKT CAP: $1.46B
piotroski-score
6/9
LAST: $47.56 (+3.44%) • MKT CAP: $1.32B
piotroski-score
6/9
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (UFCS VS. UVE)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | UFCS | UVE | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 12.60% | 33.20% | -20.60 | UVE | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 18.41% | — | — | TIE | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 8.50% | 11.40% | -2.90 | UVE | /net-margins <GO> |
| Revenue Growth (YoY) | 10.60% | 5.50% | +5.10 | UFCS | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 1.11% | 1.67% | -0.56 | UVE | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality ACTIVE | 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 | 56.4 | 62.1 | -5.71 | UVE | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 11.5x | 6.7x | +4.80 | UVE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $1.46B | $1.32B | $141.3M | UFCS | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | UFCS REV | UVE REV | UFCS GROSS % | UVE GROSS % | UFCS FCF | UVE FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.39B | $1.60B | — | — | $269.7M | $377.1M |
| FY 2024 | $1.25B | $1.52B | — | — | $340.3M | $130.0M |
| FY 2023 | $1.10B | $1.39B | — | — | $171.7M | $71.0M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
UFCS // BETA —
UVE // BETA —