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