COMP <GO>
UVE vs UFCS // PIOTROSKI F-SCORE QUALITY
UNIVERSAL INSURANCE HOLDINGS INC (NYSE) VS. United Fire Group Inc. (NASDAQ) • 15-METRIC TALLY: UVE 4
— UFCS 3
■ METRIC PARITY
LAST: $47.56 (+3.44%) • MKT CAP: $1.32B
piotroski-score
6/9
LAST: $56.99 (+1.19%) • MKT CAP: $1.46B
piotroski-score
6/9
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (UVE VS. UFCS)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | UVE | UFCS | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 33.20% | 12.60% | +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 | 11.40% | 8.50% | +2.90 | UVE | /net-margins <GO> |
| Revenue Growth (YoY) | 5.50% | 10.60% | -5.10 | UFCS | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 1.67% | 1.11% | +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 | 56.3 | 57.4 | -1.10 | UFCS | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 6.7x | 11.5x | -4.80 | UVE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $1.32B | $1.46B | -$141.3M | UFCS | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | UVE REV | UFCS REV | UVE GROSS % | UFCS GROSS % | UVE FCF | UFCS FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.60B | $1.39B | — | — | $377.1M | $269.7M |
| FY 2024 | $1.52B | $1.25B | — | — | $130.0M | $340.3M |
| FY 2023 | $1.39B | $1.10B | — | — | $71.0M | $171.7M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
UVE // BETA —
UFCS // BETA —