Universal Insurance (UVE) Competitors

Universal Insurance (NYSE:UVE) and Hilltop (NYSE:HTH) are both finance companies, but which is the better business? We will contrast the two companies based on the strength of their risk, analyst recommendations, institutional ownership, valuation, profitability, media sentiment, earnings and dividends.

Which has more volatility & risk, UVE or HTH?

Universal Insurance has a beta of 0.86, suggesting that its stock price is 14% less volatile than the S&P 500. Comparatively, Hilltop has a beta of 0.87, suggesting that its stock price is 13% less volatile than the S&P 500.

Does the media refer more to UVE or HTH?

In the previous week, Hilltop had 3 more articles in the media than Universal Insurance. MarketBeat recorded 5 mentions for Hilltop and 2 mentions for Universal Insurance. Universal Insurance's average media sentiment score of 0.86 beat Hilltop's score of 0.52 indicating that Universal Insurance is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Universal Insurance	1 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
Hilltop	2 Very Positive mention(s)	0 Positive mention(s)	3 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Which has preferable earnings and valuation, UVE or HTH?

Hilltop has higher revenue and earnings than Universal Insurance. Universal Insurance is trading at a lower price-to-earnings ratio than Hilltop, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Universal Insurance	$1.52B	0.47	$58.93M	$2.29	11.00
Hilltop	$1.61B	1.25	$113.21M	$1.97	15.85

Do analysts recommend UVE or HTH?

Hilltop has a consensus target price of $33.00, suggesting a potential upside of 5.67%. Given Hilltop's stronger consensus rating and higher probable upside, analysts plainly believe Hilltop is more favorable than Universal Insurance.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Universal Insurance	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00
Hilltop	0 Sell rating(s)	3 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00

Is UVE or HTH more profitable?

Hilltop has a net margin of 7.87% compared to Universal Insurance's net margin of 4.31%. Universal Insurance's return on equity of 15.73% beat Hilltop's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Universal Insurance	4.31%	15.73%	2.30%
Hilltop	7.87%	5.79%	0.80%

Is UVE or HTH a better dividend stock?

Universal Insurance pays an annual dividend of $0.64 per share and has a dividend yield of 2.5%. Hilltop pays an annual dividend of $0.72 per share and has a dividend yield of 2.3%. Universal Insurance pays out 27.9% of its earnings in the form of a dividend. Hilltop pays out 36.5% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Hilltop has raised its dividend for 8 consecutive years. Universal Insurance is clearly the better dividend stock, given its higher yield and lower payout ratio.

Do institutionals and insiders hold more shares of UVE or HTH?

66.6% of Universal Insurance shares are held by institutional investors. Comparatively, 57.1% of Hilltop shares are held by institutional investors. 16.6% of Universal Insurance shares are held by insiders. Comparatively, 29.9% of Hilltop shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Summary

Hilltop beats Universal Insurance on 11 of the 18 factors compared between the two stocks.