Compare
Root, Inc. vs Universal Insurance Holdings, Inc. vs Skyward Specialty Insurance Group, Inc. vs United Fire Group Inc
| Latest fiscal year | Root, Inc. ROOT | Universal Insurance Holdings, Inc. UVE | Skyward Specialty Insurance Group, Inc. SKWD | United Fire Group Inc UFCS |
|---|---|---|---|---|
| Year ended | 2025-12-31 | 2025-12-31 | 2025-12-31 | 2025-12-31 |
| Revenue | $1.52B | $1.60B | $1.42B | $1.39B |
| Revenue growth (YoY) | +29.0% | +5.5% | +23.2% | +10.6% |
| Gross margin | n/a | n/a | n/a | n/a |
| Operating margin | 4.1% | n/a | n/a | n/a |
| Net margin | 2.7% | 11.4% | 12.0% | 8.5% |
| Net income | $40.30M | $182.95M | $170.03M | $118.19M |
| EPS (Diluted) | $2.36 | $6.32 | $4.07 | $4.48 |
| Operating cash flow | $206.50M | $381.49M | $408.08M | $269.74M |
| Free cash flow | $206.50M | $377.06M | $402.62M | n/a |
| Cash & equivalents | $669.30M | $408.87M | $168.54M | $156.33M |
| Total assets | $1.67B | $2.84B | $4.79B | $3.84B |
| Total liabilities | $1.28B | $2.29B | $3.78B | $2.90B |
| Shareholders' equity | $284.30M | $551.03M | $1.01B | $941.17M |
| Return on year-end equity | 14.2% | 33.2% | 16.8% | 12.6% |
| Shares outstanding | n/a | 28.01M | 40.51M | 25.52M |
Revenue, most recent five fiscal years
| Fiscal year | Root, Inc. | Universal Insurance Holdings, Inc. | Skyward Specialty Insurance Group, Inc. | United Fire Group Inc |
|---|---|---|---|---|
| Latest | $1.52B Ended 2025-12-31 | $1.60B Ended 2025-12-31 | $1.42B Ended 2025-12-31 | $1.39B Ended 2025-12-31 |
| 1 year earlier | $1.18B Ended 2024-12-31 | $1.52B Ended 2024-12-31 | $1.15B Ended 2024-12-31 | $1.25B Ended 2024-12-31 |
| 2 years earlier | $455.00M Ended 2023-12-31 | $1.39B Ended 2023-12-31 | $885.97M Ended 2023-12-31 | $1.10B Ended 2023-12-31 |
| 3 years earlier | $310.80M Ended 2022-12-31 | $1.22B Ended 2022-12-31 | $642.42M Ended 2022-12-31 | $980.29M Ended 2022-12-31 |
| 4 years earlier | $345.40M Ended 2021-12-31 | $1.12B Ended 2021-12-31 | $550.18M Ended 2021-12-31 | $1.07B Ended 2021-12-31 |