UIHC Stock Overview
United Insurance Holdings Corp. operates as a property and casualty insurance holding company that sources, writes, and services residential personal and commercial property, and casualty insurance policies in the United States.
United Insurance Holdings Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||US$1.71|
|52 Week High||US$6.34|
|52 Week Low||US$1.29|
|1 Month Change||-36.67%|
|3 Month Change||-52.37%|
|1 Year Change||-69.74%|
|3 Year Change||-87.82%|
|5 Year Change||-89.46%|
|Change since IPO||-62.83%|
Recent News & Updates
|UIHC||US Insurance||US Market|
Return vs Industry: UIHC underperformed the US Insurance industry which returned 2.5% over the past year.
Return vs Market: UIHC underperformed the US Market which returned -13.2% over the past year.
|UIHC Average Weekly Movement||13.0%|
|Insurance Industry Average Movement||5.1%|
|Market Average Movement||7.8%|
|10% most volatile stocks in US Market||16.8%|
|10% least volatile stocks in US Market||2.9%|
Stable Share Price: UIHC is more volatile than 75% of US stocks over the past 3 months, typically moving +/- 13% a week.
Volatility Over Time: UIHC's weekly volatility (13%) has been stable over the past year, but is still higher than 75% of US stocks.
About the Company
United Insurance Holdings Corp. operates as a property and casualty insurance holding company that sources, writes, and services residential personal and commercial property, and casualty insurance policies in the United States. The company offers structure, content, and liability coverage for standard single-family homeowners, renters, and condominium unit owners. It also provides commercial multi-peril property insurance for residential condominium associations, as well as loss or damage to buildings, inventory, and equipment caused by fire, wind, hail, water, theft, and vandalism.
United Insurance Holdings Fundamentals Summary
|UIHC fundamental statistics|
Is UIHC overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|UIHC income statement (TTM)|
|Cost of Revenue||US$556.49m|
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
|Earnings per share (EPS)||-1.69|
|Net Profit Margin||-12.75%|
How did UIHC perform over the long term?See historical performance and comparison
14.0%Current Dividend Yield
Is United Insurance Holdings undervalued compared to its fair value and its price relative to the market?
Valuation Score 1/6
Below Fair Value
Significantly Below Fair Value
PE vs Industry
PE vs Market
PB vs Industry
Price to Book (PB) ratio
Share Price vs. Fair Value
Below Fair Value: Insufficient data to calculate UIHC's fair value for valuation analysis.
Significantly Below Fair Value: Insufficient data to calculate UIHC's fair value for valuation analysis.
Price To Earnings Ratio
PE vs Industry: UIHC is unprofitable, so we can't compare its Price-To-Earnings Ratio to the US Insurance industry average.
PE vs Market: UIHC is unprofitable, so we can't compare its Price-To-Earnings Ratio to the US market.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate UIHC's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: UIHC is good value based on its Price-To-Book Ratio (0.3x) compared to the US Insurance industry average (1x).
How is United Insurance Holdings forecast to perform in the next 1 to 3 years based on estimates from 2 analysts?
Future Growth Score0/6
Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: UIHC is forecast to remain unprofitable over the next 3 years.
Earnings vs Market: UIHC is forecast to remain unprofitable over the next 3 years.
High Growth Earnings: UIHC is forecast to remain unprofitable over the next 3 years.
Revenue vs Market: UIHC's revenue is expected to decline over the next 3 years (-6.4% per year).
High Growth Revenue: UIHC's revenue is forecast to decline over the next 3 years (-6.4% per year).
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: Insufficient data to determine if UIHC's Return on Equity is forecast to be high in 3 years time
How has United Insurance Holdings performed over the past 5 years?
Past Performance Score0/6
Past Performance Score 0/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: UIHC is currently unprofitable.
Growing Profit Margin: UIHC is currently unprofitable.
Past Earnings Growth Analysis
Earnings Trend: UIHC is unprofitable, and losses have increased over the past 5 years at a rate of 58% per year.
Accelerating Growth: Unable to compare UIHC's earnings growth over the past year to its 5-year average as it is currently unprofitable
Earnings vs Industry: UIHC is unprofitable, making it difficult to compare its past year earnings growth to the Insurance industry (-2.6%).
Return on Equity
High ROE: UIHC has a negative Return on Equity (-26.97%), as it is currently unprofitable.
How is United Insurance Holdings's financial position?
Financial Health Score3/6
Financial Health Score 3/6
Short Term Liabilities
Long Term Liabilities
Stable Cash Runway
Forecast Cash Runway
Financial Position Analysis
Short Term Liabilities: UIHC's short term assets ($1.6B) do not cover its short term liabilities ($1.8B).
Long Term Liabilities: UIHC's short term assets ($1.6B) exceed its long term liabilities ($309.4M).
Debt to Equity History and Analysis
Debt Level: UIHC has more cash than its total debt.
Reducing Debt: UIHC's debt to equity ratio has increased from 21.5% to 56.4% over the past 5 years.
Cash Runway Analysis
For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.
Stable Cash Runway: UIHC has sufficient cash runway for more than a year based on its current free cash flow.
Forecast Cash Runway: UIHC has less than a year of cash runway if free cash flow continues to reduce at historical rates of 46.1% each year
What is United Insurance Holdings's current dividend yield, its reliability and sustainability?
Dividend Score 3/6
Future Dividend Coverage
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: UIHC's dividend (14.04%) is higher than the bottom 25% of dividend payers in the US market (1.57%).
High Dividend: UIHC's dividend (14.04%) is in the top 25% of dividend payers in the US market (4.06%)
Stability and Growth of Payments
Stable Dividend: UIHC's dividend payments have been volatile in the past 10 years.
Growing Dividend: UIHC's dividend payments have increased over the past 10 years.
Earnings Payout to Shareholders
Earnings Coverage: UIHC is paying a dividend but the company is unprofitable.
Cash Payout to Shareholders
Cash Flow Coverage: UIHC is paying a dividend but the company has no free cash flows.
Discover strong dividend paying companies
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Dan Peed (58 yo)
Mr. Robert Daniel Peed, also known as Dan, has served as UPC Insurance's Chief Executive Officer and Chairman of the Board since July of 2020. Mr. Peed has served as a Member of the Board since 2017. Mr. P...
Experienced Management: UIHC's management team is considered experienced (2.1 years average tenure).
Experienced Board: UIHC's board of directors are seasoned and experienced ( 10.2 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: UIHC insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
United Insurance Holdings Corp.'s employee growth, exchange listings and data sources
- Name: United Insurance Holdings Corp.
- Ticker: UIHC
- Exchange: NasdaqCM
- Founded: 1999
- Industry: Property and Casualty Insurance
- Sector: Insurance
- Implied Market Cap: US$74.080m
- Shares outstanding: 43.32m
- Website: https://www.upcinsurance.com
Number of Employees
- United Insurance Holdings Corp.
- 800 2nd Avenue South
- Saint Petersburg
- United States
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/05/25 00:00|
|End of Day Share Price||2022/05/25 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.