Valuation
75
UNIVINSURE · Universal Insurance Plc
Accumulate Neutral Quality 3/5Distress proxy: 71.43 (Safe)
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Composite score
62.0
Tier: Accumulate
Last close
₦1
As of latest snapshot
30-day ADV
₦14.1M
Liquidity signal
Market cap
₦14.88B
Financial Services
Financials
71
Technical
28
AI bottom line
UNIVINSURE trades at a significant valuation discount (P/E 3.3x vs 7.8x sector median) while delivering above-median ROE of 23.7%, signaling potential undervaluation in a quality franchise. Monitor cash generation urgently—the -38.5% FCF yield and -24.9% cash burn margin suggest working capital stress that could undermine that profitability signal.
Stock Snowflake 5-axis radar
Blue = UNIVINSURE. Gold dash = Financial Services median. Bigger area = better across the five research dimensions.
What the model is seeing
- Trades at P/E 3.3x — about 58% below the Financial Services median of 7.8x.
- P/B of 0.9x — trading below book value, often a value signal (or a quality flag if persistent).
- ROE of 23.7% — well above Financial Services median of 17.3%. Top-quartile capital efficiency.
- Below both 50-day (-19.6%) and 200-day (-25.0%) moving averages — sustained downtrend.
Risk flags
Moderate liquidity — 30d ADV ≈ ₦14.1M
Cash burn — FCF margin -24.9%
Price & trend
Close price with 50-day and 200-day moving averages, last 12 months.
Composite score history
How the model has rated this stock over the available history. Tier changes happen at 75 / 60 / 40.
Key metrics
Valuation
P/E ratio3.3x
P/B ratio0.9x
P/S ratio0.6x
EV/EBITDA1.3x
FCF yield-38.5%
Financials
ROE23.7%
ROA15.9%
Net margin18.0%
FCF margin-24.9%
Debt / Equity0.0x
Technical
Last close₦1
Above 50d MA-19.6%
Above 200d MA-25.0%
ADX (trend)33.8
RSI34.8
Dividend history
No cash or share dividends recorded in the historical dataset.
Peers in Financial Services
Closest names by composite score within the same sector. Click a symbol to open its detail page.
| Symbol | Composite | P/E | P/B | ROE | Tier |
|---|---|---|---|---|---|
| WEMABANK | 63.0 | 3.5x | 1.7x | 31.3% | Accumulate |
| LINKASSURE | 63.3 | 3.2x | 0.5x | 16.4% | Accumulate |
| CONHALLPLC | 63.6 | 7.5x | 1.5x | 20.0% | Accumulate |
| ETI | 59.3 | 3.6x | 0.6x | 14.6% | Neutral |
| MBENEFIT | 65.1 | 3.3x | 1.0x | 24.6% | Accumulate |
| CORNERST | 65.1 | 8.9x | 1.4x | 15.8% | Accumulate |
Recent news mentioning UNIVINSURE
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