Discounted Cash Flow
Universal Insurance Holdings, Inc.
—
—
Average annual growth rates
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Endpoint CAGR (better for long term trend)
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Projected growth rate
—
—
%
%
Historical inputs (10 fiscal years)
| YEAR | Sales | Net Income | Free Cash Flow | Net Margin | EPS (diluted) |
|---|---|---|---|---|---|
| 2016 | $685.3m | $99.4m | $113.2m | 14.5% | $2.85 |
| 2017 | $751.9m (9.7%) | $106.9m (7.6%) | $240.4m (112.4%) | 14.2% (-2.0%) | $3.07 (7.7%) |
| 2018 | $823.8m (9.6%) | $117.1m (9.5%) | $223.4m (-7.1%) | 14.2% (-0.1%) | $3.36 (9.4%) |
| 2019 | $939.4m (14.0%) | $46.5m (-60.3%) | $73.3m (-67.2%) | 5.0% (-65.1%) | $1.37 (-59.2%) |
| 2020 | $1.1b (14.2%) | $19.1m (-58.9%) | $12.1m (-83.4%) | 1.8% (-64.0%) | $0.60 (-56.2%) |
| 2021 | $1.1b (4.6%) | $20.4m (6.8%) | $20.4m (68.2%) | 1.8% (2.1%) | $0.65 (8.3%) |
| 2022 | $1.2b (9.0%) | $-22.3m (-209.1%) | $-22.3m (-209.1%) | -1.8% (-200.1%) | $-0.72 (-210.8%) |
| 2023 | $1.4b (13.8%) | $66.8m (400.2%) | $67.0m (400.8%) | 4.8% (363.8%) | $2.24 (411.1%) |
| 2024 | $1.5b (9.3%) | $58.9m (-11.8%) | $130.0m (94.2%) | 3.9% (-19.3%) | $2.07 (-7.6%) |
| 2025 | $1.6b (5.5%) | $183.0m (210.5%) | $377.1m (190.1%) | 11.4% (194.3%) | $6.56 (216.9%) |
Base FCF: — (latest fiscal year)
Discount rate: % —
Terminal growth: —
Projection period: — years
Alt A decline yrs:
Alt B total yrs:
Projected cash flows
| Year | Projected cash flow | Discount Factor | Present Value |
|---|
PV of projected FCF: —
Terminal FCF: —
Terminal value: —
PV of terminal value: —
Enterprise value (DCF): —
Current price: —
—Alternative DCF Models
| Model | Fair Value | Upside | PV(FCFs) | PV(Terminal) | Total Years |
|---|---|---|---|---|---|
| Standard (10yr→TV) | — | — | — | — | 10 + TV |
| Alt A (Gradual Decline) | — | — | — | — | — |
| Alt B (30yr Hard Stop) | — | — | — | N/A | — |
This is a simplified DCF model for illustration. It uses reported free cash flow, a single growth assumption, fixed WACC, and a Gordon Growth terminal value. It is not investment advice.