Based on the aggregated intelligence of 145,000-plus investors participating in Motley Fool CAPS, the Fool's free investing community, homeowners' insurance specialist Universal Insurance Holdings (NYSE:UVE) has earned a respected four-star ranking.

With that in mind, let's take a closer look at Universal's business and see what CAPS investors are saying about the stock right now.

Universal Insurance facts

Headquarters (Founded)

Fort Lauderdale, Fla. (1990)

Market Cap

$218.7 million


Property and casualty insurance

Trailing-12-Month Revenue

$196.0 million


CEO Bradley Meier (since inception)
CFO James Lynch (since 1998)

Return on Equity (Average, Past 3 Years)



$275.0 million / $45.3 million

Dividend Yield


Other Highly Rated Insurance Stocks

Berkshire Hathaway (NYSE:BRK-A) (NYSE:BRK-B)
Chubb (NYSE:CB)

CAPS Members Bullish on UVE Also Bullish on

Johnson & Johnson (NYSE:JNJ)

CAPS Members Bearish on UVE Also Bearish on

Assured Guaranty (NYSE:AGO)

Sources: Capital IQ (a division of Standard & Poor's) and Motley Fool CAPS.

On CAPS, 96% of the 455 members who have rated Universal believe the stock will outperform the S&P 500 going forward. These bulls include LibbyLoo00 and All-Star kkotwani, who is ranked in the top 0.25% of our community.

Late last month, LibbyLoo00 kindly informed Fools that Universal "is doing great in [Florida] and now that they are expanding into other states all the better." Our CAPS member continues: 

Super low PE ... plus super low price to book, sales & cash flow. Strong past growth and hefty free cash flow for its size. I'm concerned about this year's earnings slip and will watch it. But the company appears well managed and adds policies in large numbers (again, for its size).

In a pitch from earlier that month, kkotwani chipped in with some bullish ratios, which remain relatively unchanged:

Current market cap is just 200 Million dollars. Very small company with huge room for growth.

Now some valuation numbers
Current P/E: 6.1
P/B: 1.69
P/S: 1.09

Wow, ideal from all perspectives. Cheap, with huge cash in hands and sales equal to its market value.

What do you think about Universal, or any other stock for that matter? If you want to retire rich, you need to put together the best portfolio you can. Owning exceptional stocks is a surefire way to secure your financial future, and on Motley Fool CAPS, thousands of investors are working every day to find them. CAPS is 100% free, so get started!  

Fool contributor Brian Pacampara owns no position in any of the companies mentioned. Johnson & Johnson is a Motley Fool Income Investor pick. Berkshire is a selection of both Stock Advisor and Inside Value, and the Fool owns shares of it. The Fool's disclosure policy always gets a perfect score.