UVE vs THRM

Comparison between Universal Insurance Holdings Inc (UVE, Company) and Gentherm Inc - Class A (THRM, Company).

UVE is from the Financial Services sector, while THRM is from the Consumer Cyclical sector.

5-Year PerformanceUVE has outperformed THRM, delivering a return of +27.1% compared to -13.3%

UVE vs THRM - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	UVE(COMPANY)	THRM(COMPANY)
Market Cap	$1.06B	$1.06B
Max Drawdown	82.74%	97.25%
Sharpe Ratio	0.98	0.85
5Y Beta	0.47	1.04
Industry	Insurance - Property & Casualty	Auto Parts
P/E Ratio	13.41	46.86
Forward P/E	9.98	13.70
PEG Ratio	0.03	1.02
Dividend Yield	1.80%	N/A
5Y Dividends CAGR	3.85%	N/A
5Y EPS CAGR	N/A	-21.27%
Debt to Equity	17.15%	30.57%
Free Cash Flow Yield	32.38%	7.39%
P/S Ratio	0.67	0.69
P/B Ratio	1.82	1.49

Market Cap

Winner

UVE

$1.06B

THRM

$1.06B

Max Drawdown

Winner

UVE

82.74%

THRM

97.25%

Sharpe Ratio

Winner

UVE

0.98

THRM

0.85

5Y Beta

Winner

UVE

0.47

THRM

1.04

Industry

UVE

Insurance - Property & Casualty

THRM

Auto Parts

P/E Ratio

Winner

UVE

13.41

THRM

46.86

Forward P/E

Winner

UVE

9.98

THRM

13.70

PEG Ratio

Winner

UVE

0.03

THRM

1.02

Dividend Yield

UVE

1.80%

THRM

N/A

5Y Dividends CAGR

UVE

3.85%

THRM

N/A

5Y EPS CAGR

UVE

N/A

THRM

-21.27%

Debt to Equity

Winner

UVE

17.15%

THRM

30.57%

Free Cash Flow Yield

Winner

UVE

32.38%

THRM

7.39%

P/S Ratio

Winner

UVE

0.67

THRM

0.69

P/B Ratio

UVE

1.82

Winner

THRM

1.49

UVE vs THRM - Historical Returns

Returns include dividend reinvestment.

Period	UVE	THRM
1 month	-5.73%	+19.09%
3 months	+6.42%	+18.70%
6 months	+20.98%	-0.58%
1 year	+39.55%	+33.91%
5 years(CAGR)	+27.11%	-13.31%
10 years(CAGR)	+10.94%	-0.42%
Max(CAGR)	+41.55%	+9.74%

UVE

-5.73%

Winner

THRM

+19.09%

UVE

+6.42%

Winner

THRM

+18.70%

Winner

UVE

+20.98%

THRM

-0.58%

Winner

UVE

+39.55%

THRM

+33.91%

5Y(CAGR)

Winner

UVE

+27.11%

THRM

-13.31%

10Y(CAGR)

Winner

UVE

+10.94%

THRM

-0.42%

Max(CAGR)

Winner

UVE

+41.55%

THRM

+9.74%

UVE vs THRM - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	UVE	THRM
2026	+18.77%	-1.57%
2025	+69.14%	-7.53%
2024	+34.72%	-23.41%
2023	+63.64%	-20.49%
2022	-33.62%	-25.55%
2021	+18.44%	+36.94%
2020	-42.63%	+41.97%
2019	-23.28%	+9.23%
2018	+41.72%	+24.74%
2017	-2.19%	-6.48%
2016	+30.37%	-25.69%
2015	+20.11%	+27.42%
2014	+52.90%	+40.85%
2013	+241.75%	+95.69%
2012	+33.79%	-5.13%
2011	-21.80%	+28.70%
2010	-14.33%	+29.06%
2009	+158.64%	+146.58%
2008	-62.02%	-84.11%
2007	+165.21%	+116.82%
2006	+256.70%	+75.64%
2005	+1440.00%	+55.53%
2004	+0.00%	-12.41%
2003	+25.00%	+71.51%
2002	N/A	+153.27%
2001	N/A	-40.98%
2000	N/A	-30.31%
1999	N/A	-1.96%

UVE vs THRM Drawdown Comparison

The maximum drawdown for UVE was -80.50%, occurring on Oct 10, 2008. Recovery took 1397 trading sessions.

The maximum drawdown for THRM was -97.25%, occurring on Oct 18, 2001. Recovery took 3473 trading sessions.

The current UVE drawdown is -9.13%. The current THRM drawdown is -63.23%.

Rank	UVE	THRM
#1	-80.50% Oct 8, 2007 - Apr 26, 2013	-97.25% Mar 1, 2000 - Dec 19, 2013
#2	-79.58% Sep 26, 2018 - Apr 24, 2026	-76.34% Jan 14, 2022 - Apr 11, 2025
#3	-66.67% Aug 19, 2003 - Nov 15, 2005	-52.64% Jun 26, 2015 - Dec 3, 2020
#4	-54.13% Oct 23, 2015 - May 9, 2018	-42.89% Nov 19, 1999 - Jan 26, 2000
#5	-50.00% Jun 6, 2003 - Jul 22, 2003	-36.81% Sep 11, 2014 - Apr 9, 2015
#6	-46.15% Jul 6, 2006 - Sep 29, 2006	-33.42% Jan 26, 2000 - Feb 16, 2000
#7	-40.00% Jul 29, 2003 - Aug 19, 2003	-18.99% Mar 16, 2021 - Jul 29, 2021
#8	-36.27% Nov 27, 2006 - Jan 16, 2007	-16.81% Oct 27, 2021 - Nov 22, 2021
#9	-35.71% Nov 18, 2005 - Dec 12, 2005	-16.40% Jan 22, 2014 - Feb 25, 2014
#10	-33.57% Mar 24, 2006 - Jun 7, 2006	-13.98% Jul 23, 2014 - Aug 29, 2014
#11	-30.69% Dec 27, 2013 - Mar 6, 2014	-13.78% Nov 24, 2021 - Jan 10, 2022
#12	-28.62% Jun 21, 2007 - Sep 26, 2007	-13.65% Jan 20, 2021 - Feb 19, 2021
#13	-27.96% Oct 16, 2006 - Nov 24, 2006	-13.54% Nov 2, 1999 - Nov 18, 1999
#14	-24.08% May 5, 2014 - Oct 28, 2014	-11.42% Aug 27, 2021 - Oct 25, 2021
#15	-22.64% Aug 5, 2015 - Oct 5, 2015	-10.03% Dec 31, 2013 - Jan 22, 2014