On the stock market since 2007, it operates in the world of money and finance. It has 269 employees. Now — the numbers.
This is an established company with proven profits.
The biggest line carries real weight, but it doesn’t decide everything on its own.
An average decline of 15% a year over the last 4 years — the most striking risk in this picture. Red columns mark years that ended in a loss.
Executives buying with their own money is usually read as confidence in the company’s future.
angles, checked one by one.
The 2 that stand out are on screen; the rest came back neutral.
The council scores out of 10; report-card grades are out of 100.
Revenue Growth: Sales are growing slowly.
The stock trades near its peak today. For long-term holders the ride has paid off so far — though past performance guarantees nothing about the future.
The net profit margin is 32% — still a thick cushion, though costs have been eating into it lately.
Over the last 12 months, company executives reported 48 buys and 14 sells. Management buying with its own money is usually read as a good sign.
It pays out $2.30 per share each year — regular cash for whoever holds the stock.
Over the last 3 years, sales fell about 10% a year on average. Profit is holding up, but a shrinking business is a risk worth watching.
The stock trades 76% above the average analyst price target.
On our five-subject report card, UIHC sits behind the class. A low grade doesn’t mean “doomed” — it means “big claim, small proof.”
The takeaway: UIHC is an established business that has proven its profits for years. The real debate isn’t the quality of the business — it’s whether the price paid for the stock is too high.