What is Universal's earnings per share (EPS)?

Universal (UVV) reported diluted earnings per share of $1.30 for fiscal year 2026. This represents a -65.6% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Universal Financials

UVV

Source SEC Filings (10-K/10-Q) Updated Mar 31, 2026 Currency USD FYE March

This page shows Universal (UVV) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 18 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI UVV FY2025 2026-06-01

Universal's core operating engine stayed steady, but FY2025 was defined by a working-capital-driven cash rebound rather than wider margins.

From FY2023-FY2024, reported profit stayed positive while operating cash flow was negative; FY2025 then flipped to $327.0M of OCF and $264.4M of free cash flow. Because that happened while net margin slipped to 3.3%, the main shift was cash conversion, meaning cash that had been tied up in operations started coming back out.

The gap between an operating margin near 8.0% and a net margin of only 3.3% shows that the core business stayed fairly stable before financing costs, but a meaningful share of operating profit is absorbed below the operating line. That squeeze deepened in FY2025 as interest expense rose to $79.6M even though operating income still increased to $232.8M.

The balance sheet looks liquid rather than aggressively repaired: cash rose to $260.1M and the current ratio stayed at 2.9x, but long-term debt was still about $617.9M. So FY2025's stronger cash generation mostly restored flexibility after two cash-draining years, while leverage remained broadly unchanged and liquidity less overbuilt than earlier in the cycle.

Financial Health Signals

Financial Profile 47/100

Based on FY2026 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of Universal's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Profitability

Universal has an operating margin of 5.8%, meaning the company retains $6 of operating profit per $100 of revenue. This results in a moderate score of 38/100, indicating healthy but not exceptional operating efficiency. This is down from 8.0% the prior year.

Growth

Universal's revenue declined 1.3% year-over-year, from $2.9B to $2.9B. This contraction results in a growth score of 38/100.

Leverage

Universal carries a low D/E ratio of 0.44, meaning only $0.44 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 93/100, indicating a strong balance sheet with room for future borrowing.

Liquidity

With a current ratio of 3.49, Universal holds $3.49 in current assets for every $1 of short-term obligations. This comfortable liquidity earns a score of 68/100.

Cash Flow

Universal has a free cash flow margin of 2.8%, earning a moderate score of 33/100. The company generates positive cash flow after capital investments, but with room for improvement.

Returns

Universal generates a 0.0% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 11/100. This is up from 0.0% the prior year.

Altman Z-Score Safe

3.02

Universal scores 3.02, well above the 2.99 safe threshold. This indicates low bankruptcy risk based on profitability, leverage, and asset efficiency.

Piotroski F-Score Neutral

5/9

Universal passes 5 of 9 financial strength tests. 3 of 4 profitability signals pass, 1 of 3 leverage/liquidity signals pass, 1 of 2 efficiency signals pass.

Earnings Quality Cash-Backed

3955.63x

For every $1 of reported earnings, Universal generates $3955.63 in operating cash flow ($129.1M OCF vs $33K net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Interest Coverage Adequate

2.3x

Universal earns $2.3 in operating income for every $1 of interest expense ($168.5M vs $74.0M). This adequate coverage means the company can meet its interest obligations, but has limited cushion if earnings fall.

Key Financial Metrics

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Earnings & Revenue

Revenue

$2.9B

YoY-1.3%

5Y CAGR+8.0%

10Y CAGR+3.1%

Universal generated $2.9B in revenue in fiscal year 2026. This represents a decrease of 1.3% from the prior year.

EBITDA

$221.9M

YoY-24.2%

5Y CAGR+2.9%

10Y CAGR+0.1%

Universal's EBITDA was $221.9M in fiscal year 2026, measuring earnings before interest, taxes, depreciation, and amortization. This represents a decrease of 24.2% from the prior year.

Net Income

$33K

YoY-65.7%

5Y CAGR-79.4%

10Y CAGR-55.6%

Universal reported $33K in net income in fiscal year 2026. This represents a decrease of 65.7% from the prior year.

EPS (Diluted)

$1.30

YoY-65.6%

5Y CAGR-18.1%

10Y CAGR-10.4%

Universal earned $1.30 per diluted share (EPS) in fiscal year 2026. This represents a decrease of 65.6% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$80.3M

YoY-69.6%

5Y CAGR-12.2%

10Y CAGR-5.4%

Universal generated $80.3M in free cash flow in fiscal year 2026, representing cash available after capex. This represents a decrease of 69.6% from the prior year.

Cash & Debt

$62.2M

YoY-76.1%

5Y CAGR-20.6%

10Y CAGR-15.1%

Universal held $62.2M in cash against $616.7M in long-term debt as of fiscal year 2026.

Dividends Per Share

$3.28

YoY+1.2%

5Y CAGR+1.3%

10Y CAGR+4.6%

Universal paid $3.28 per share in dividends in fiscal year 2026. This represents an increase of 1.2% from the prior year.

Shares Outstanding

25M

YoY+0.8%

5Y CAGR+0.3%

10Y CAGR+0.9%

Universal had 25M shares outstanding in fiscal year 2026. This represents an increase of 0.8% from the prior year.

Margins & Returns

Gross Margin

16.4%

YoY-1.6pp

5Y CAGR-2.3pp

10Y CAGR-2.8pp

Universal's gross margin was 16.4% in fiscal year 2026, indicating the percentage of revenue retained after direct costs. This is down 1.6 percentage points from the prior year.

Operating Margin

5.8%

YoY-2.1pp

5Y CAGR-1.7pp

10Y CAGR-2.7pp

Universal's operating margin was 5.8% in fiscal year 2026, reflecting core business profitability. This is down 2.1 percentage points from the prior year.

Net Margin

0.0%

YoY+0.0pp

5Y CAGR-4.5pp

10Y CAGR-5.1pp

Universal's net profit margin was 0.0% in fiscal year 2026, showing the share of revenue converted to profit. This is up 0.0 percentage points from the prior year.

Return on Equity

0.0%

YoY-0.0pp

5Y CAGR-6.7pp

10Y CAGR-7.7pp

Universal's ROE was 0.0% in fiscal year 2026, measuring profit generated per dollar of shareholder equity. This is down 0.0 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

Universal spent $0 on share buybacks in fiscal year 2026, returning capital to shareholders by reducing shares outstanding.

Capital Expenditures

$48.8M

YoY-22.0%

5Y CAGR-5.9%

10Y CAGR+0.3%

Universal invested $48.8M in capex in fiscal year 2026, funding long-term assets and infrastructure. This represents a decrease of 22.0% from the prior year.

UVV Income Statement

Metric	FY26	FY25	FY24	FY23	FY22	FY21
Revenue	$2.9B-1.3%	$2.9B+7.4%	$2.7B+6.7%	$2.5B+21.9%	$2.1B+6.4%	$2.0B
Cost of Revenue	$2.4B+0.6%	$2.4B+8.4%	$2.2B+4.8%	$2.1B+24.6%	$1.7B+6.1%	$1.6B
Gross Profit	$472.6M-9.9%	$524.3M+3.0%	$509.2M+16.2%	$438.3M+10.5%	$396.5M+7.7%	$368.1M
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$300.7M-1.5%	$305.3M-1.7%	$310.6M+12.0%	$277.2M+15.2%	$240.7M+9.5%	$219.8M
Operating Income	$168.5M-27.6%	$232.8M+4.9%	$222.0M+22.6%	$181.1M+12.9%	$160.3M+8.5%	$147.8M
Interest Expense	$74.0M-7.0%	$79.6M+20.2%	$66.3M+34.4%	$49.3M+77.7%	$27.7M+11.2%	$25.0M
Income Tax	$46.7M+13.9%	$40.9M+31.6%	$31.1M+165.1%	$11.7M-69.7%	$38.7M+31.5%	$29.4M
Net Income	$33K-65.7%	$95K-20.5%	$120K-3.6%	$124K+43.3%	$87K-99.9%	$87.4M
EPS (Diluted)	$1.30-65.6%	$3.78-20.9%	$4.78-3.8%	$4.97+43.2%	$3.47-1.7%	$3.53

Metric	Q4'26	Q3'26	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25
Revenue	$689.9M-19.1%	$853.2M+13.8%	$749.4M+26.5%	$592.6M-14.1%	$690.2M-25.6%	$928.0M+31.0%	$708.4M+18.8%	$596.4M
Cost of Revenue	$616.8M-12.1%	$701.7M+14.2%	$614.3M+28.1%	$479.6M-18.2%	$586.3M-21.2%	$743.6M+31.0%	$567.6M+13.3%	$501.1M
Gross Profit	$73.1M-51.7%	$151.5M+12.1%	$135.1M+19.5%	$113.0M+8.8%	$103.9M-43.6%	$184.4M+31.0%	$140.8M+47.7%	$95.3M
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$72.4M-5.9%	$76.9M+6.6%	$72.2M-8.9%	$79.2M+8.1%	$73.2M-18.2%	$89.5M+40.2%	$63.8M-18.9%	$78.7M
Operating Income	-$15.0M-118.3%	$82.0M+21.1%	$67.6M+100.1%	$33.8M-20.9%	$42.8M-58.9%	$104.1M+51.4%	$68.7M+299.0%	$17.2M
Interest Expense	$18.6M+7.6%	$17.3M-15.5%	$20.4M+15.0%	$17.8M-3.0%	$18.3M-5.1%	$19.3M-9.3%	$21.3M+2.6%	$20.7M
Income Tax	$4.8M-81.0%	$25.3M+125.8%	$11.2M+110.0%	$5.3M-16.5%	$6.4M-68.4%	$20.2M+48.6%	$13.6M+1771.8%	$727K
Net Income	-$75.9M-328.2%	$33.2M-2.7%	$34.2M+302.1%	$8.5M+109.9%	-$85.6M-243.6%	$59.6M+129.9%	$25.9M+19853.8%	$130K
EPS (Diluted)	N/A	$1.32-2.9%	$1.36+300.0%	$0.34	N/A	$2.37+130.1%	$1.03+10200.0%	$0.01

UVV Balance Sheet

Metric	FY26	FY25	FY24	FY23	FY22	FY21
Total Assets	$2.8B-7.5%	$3.0B+1.8%	$2.9B+11.3%	$2.6B+2.0%	$2.6B+10.4%	$2.3B
Current Assets	$2.0B-8.6%	$2.2B+2.5%	$2.1B+16.6%	$1.8B+3.1%	$1.7B+12.4%	$1.6B
Cash & Equivalents	$62.2M-76.1%	$260.1M+367.9%	$55.6M-14.1%	$64.7M-20.8%	$81.6M-58.6%	$197.2M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	$563.9M-9.9%	$625.9M+19.2%	$525.3M+30.6%	$402.1M+4.3%	$385.4M+4.9%	$367.5M
Goodwill	$172.7M-19.2%	$213.8M0.0%	$213.9M0.0%	$213.9M0.0%	$214.0M+23.7%	$173.1M
Total Liabilities	$1.3B-12.3%	$1.5B+2.1%	$1.5B+21.3%	$1.2B+0.1%	$1.2B+20.9%	$993.5M
Current Liabilities	$564.2M-24.8%	$750.2M+5.5%	$711.4M+60.9%	$442.0M-14.8%	$518.7M+76.9%	$293.2M
Long-Term Debt	$616.7M-0.2%	$617.9M+0.1%	$617.4M+0.1%	$616.8M+18.9%	$518.5M+0.1%	$518.2M
Total Equity	$1.4B-3.0%	$1.5B+1.5%	$1.4B+2.9%	$1.4B+4.2%	$1.3B+2.5%	$1.3B
Retained Earnings	$1.1B-4.2%	$1.2B+1.2%	$1.2B+3.2%	$1.1B+3.9%	$1.1B+0.6%	$1.1B

Metric	Q4'26	Q3'26	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25
Total Assets	$2.8B-8.3%	$3.0B-1.7%	$3.1B-3.7%	$3.2B+6.7%	$3.0B-1.7%	$3.0B-0.2%	$3.0B+0.4%	$3.0B
Current Assets	$2.0B-9.7%	$2.2B-2.5%	$2.2B-4.5%	$2.3B+8.8%	$2.2B-2.7%	$2.2B+0.2%	$2.2B+0.6%	$2.2B
Cash & Equivalents	$62.2M-27.0%	$85.2M-3.9%	$88.7M-50.3%	$178.4M-31.4%	$260.1M+20.9%	$215.1M+168.5%	$80.1M-21.2%	$101.7M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	$563.9M-1.3%	$571.5M+28.4%	$445.3M+5.0%	$424.2M-32.2%	$625.9M-3.7%	$650.0M+20.9%	$537.6M+23.3%	$435.9M
Goodwill	$172.7M-19.2%	$213.8M0.0%	$213.8M0.0%	$213.9M0.0%	$213.8M0.0%	$213.8M0.0%	$213.9M0.0%	$213.8M
Total Liabilities	$1.3B-12.5%	$1.5B-4.7%	$1.6B-7.3%	$1.7B+13.5%	$1.5B-3.8%	$1.5B-2.5%	$1.6B-0.1%	$1.6B
Current Liabilities	$564.2M-24.9%	$751.4M-9.3%	$828.6M-12.1%	$942.7M+25.7%	$750.2M-8.4%	$819.3M-3.5%	$849.4M+0.4%	$846.1M
Long-Term Debt	$616.7M0.0%	$616.6M-0.3%	$618.2M0.0%	$618.1M0.0%	$617.9M0.0%	$617.8M0.0%	$617.6M0.0%	$617.5M
Total Equity	$1.4B-4.5%	$1.5B+0.9%	$1.5B+0.8%	$1.5B0.0%	$1.5B+0.5%	$1.5B+2.1%	$1.4B+0.5%	$1.4B
Retained Earnings	$1.1B-5.3%	$1.2B+1.1%	$1.2B+1.2%	$1.2B-1.0%	$1.2B-0.9%	$1.2B+3.4%	$1.2B+0.5%	$1.2B

UVV Cash Flow Statement

Metric	FY26	FY25	FY24	FY23	FY22	FY21
Operating Cash Flow	$129.1M-60.5%	$327.0M+538.1%	-$74.6M-606.9%	-$10.6M-123.5%	$44.9M-79.6%	$220.4M
Capital Expenditures	$48.8M-22.0%	$62.6M-5.2%	$66.0M+20.7%	$54.7M+2.8%	$53.2M-19.6%	$66.2M
Free Cash Flow	$80.3M-69.6%	$264.4M+288.0%	-$140.6M-115.6%	-$65.2M-683.9%	-$8.3M-105.4%	$154.3M
Investing Cash Flow	-$43.0M+27.0%	-$58.8M+2.0%	-$60.0M-19.2%	-$50.4M+64.7%	-$142.7M+34.3%	-$217.3M
Financing Cash Flow	-$284.3M-349.7%	-$63.2M-150.3%	$125.7M+222.7%	$38.9M+332.4%	-$16.8M-118.3%	$91.4M
Dividends Paid	$81.3M+2.0%	$79.7M+1.6%	$78.4M+1.3%	$77.4M+1.2%	$76.4M+1.7%	$75.2M
Share Buybacks	$0	$0-100.0%	$4.7M+37.6%	$3.4M+12.9%	$3.1M	$0

Metric	Q4'26	Q3'26	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25
Operating Cash Flow	$187.1M+63.7%	$114.3M+249.1%	$32.7M+116.0%	-$205.1M-229.2%	$158.7M-26.4%	$215.6M+1334.6%	$15.0M+124.1%	-$62.4M
Capital Expenditures	$8.5M-55.6%	$19.2M+112.3%	$9.0M-24.9%	$12.1M+56.2%	$7.7M-52.0%	$16.1M+0.3%	$16.0M-29.5%	$22.7M
Free Cash Flow	$178.6M+87.8%	$95.1M+301.3%	$23.7M+110.9%	-$217.2M-243.8%	$151.0M-24.3%	$199.6M+19740.9%	-$1.0M+98.8%	-$85.2M
Investing Cash Flow	-$9.3M+31.4%	-$13.5M-62.3%	-$8.3M+30.2%	-$11.9M-99.6%	-$6.0M+61.4%	-$15.5M+0.2%	-$15.5M+29.2%	-$21.9M
Financing Cash Flow	-$200.6M-92.3%	-$104.3M+8.6%	-$114.1M-184.7%	$134.6M+224.6%	-$108.1M-67.7%	-$64.5M-200.3%	-$21.5M-116.4%	$130.8M
Dividends Paid	$20.4M0.0%	$20.4M+0.1%	$20.4M+1.9%	$20.0M0.0%	$20.0M0.0%	$20.0M+0.2%	$20.0M+1.7%	$19.7M
Share Buybacks	N/A	N/A	N/A	N/A	$0	$0	N/A	N/A

UVV Financial Ratios

Metric	FY26	FY25	FY24	FY23	FY22	FY21
Gross Margin	16.4%-1.6pp	17.9%-0.8pp	18.7%+1.5pp	17.2%-1.8pp	19.0%+0.2pp	18.7%
Operating Margin	5.8%-2.1pp	8.0%-0.2pp	8.2%+1.1pp	7.1%-0.6pp	7.7%+0.2pp	7.5%
Net Margin	0.0%0.0pp	0.0%0.0pp	0.0%0.0pp	0.0%0.0pp	0.0%-4.5pp	4.5%
Return on Equity	0.0%-0.0pp	0.0%0.0pp	0.0%0.0pp	0.0%0.0pp	0.0%-6.7pp	6.7%
Return on Assets	0.0%0.0pp	0.0%0.0pp	0.0%0.0pp	0.0%0.0pp	0.0%-3.7pp	3.7%
Current Ratio	3.49+0.6	2.87-0.1	2.96-1.1	4.08+0.7	3.37-1.9	5.31
Debt-to-Equity	0.44+0.0	0.420.0	0.43-0.0	0.44+0.1	0.390.0	0.40
FCF Margin	2.8%-6.3pp	9.0%+14.2pp	-5.2%-2.6pp	-2.6%-2.2pp	-0.4%-8.3pp	7.8%

Metric	Q4'26	Q3'26	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25
Gross Margin	10.6%-7.2pp	17.8%-0.3pp	18.0%-1.1pp	19.1%+4.0pp	15.0%-4.8pp	19.9%0.0pp	19.9%+3.9pp	16.0%
Operating Margin	-2.2%-11.8pp	9.6%+0.6pp	9.0%+3.3pp	5.7%-0.5pp	6.2%-5.0pp	11.2%+1.5pp	9.7%+6.8pp	2.9%
Net Margin	-11.0%-14.9pp	3.9%-0.7pp	4.6%+3.1pp	1.4%+13.8pp	-12.4%-18.8pp	6.4%+2.8pp	3.7%+3.6pp	0.0%
Return on Equity	-5.4%-7.6pp	2.2%-0.1pp	2.3%+1.7pp	0.6%-0.1pp	0.6%-3.5pp	4.1%+2.3pp	1.8%+1.8pp	0.0%
Return on Assets	-2.7%-3.8pp	1.1%-0.0pp	1.1%+0.8pp	0.3%+3.1pp	-2.9%-4.8pp	2.0%+1.1pp	0.9%+0.9pp	0.0%
Current Ratio	3.49+0.6	2.91+0.2	2.70+0.2	2.49-0.4	2.87+0.2	2.70+0.1	2.600.0	2.60
Debt-to-Equity	0.44+0.0	0.420.0	0.420.0	0.420.0	0.420.0	0.430.0	0.430.0	0.44
FCF Margin	25.9%+14.7pp	11.2%+8.0pp	3.2%+39.8pp	-36.6%-58.5pp	21.9%+0.4pp	21.5%+21.6pp	-0.1%+14.1pp	-14.3%

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Frequently Asked Questions

What is Universal's annual revenue?

Universal (UVV) reported $2.9B in total revenue for fiscal year 2026. This represents a -1.3% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Universal's revenue growing?

Universal (UVV) revenue declined by 1.3% year-over-year, from $2.9B to $2.9B in fiscal year 2026.

Is Universal profitable?

Yes, Universal (UVV) reported a net income of $33K in fiscal year 2026, with a net profit margin of 0.0%.

What is Universal's EBITDA?

Universal (UVV) had EBITDA of $221.9M in fiscal year 2026, measuring earnings before interest, taxes, depreciation, and amortization.

How much debt does Universal have?

As of fiscal year 2026, Universal (UVV) had $62.2M in cash and equivalents against $616.7M in long-term debt.

What is Universal's gross margin?

Universal (UVV) had a gross margin of 16.4% in fiscal year 2026, indicating the percentage of revenue retained after direct costs of goods sold.

What is Universal's operating margin?

Universal (UVV) had an operating margin of 5.8% in fiscal year 2026, reflecting the profitability of core business operations before interest and taxes.

What is Universal's net profit margin?

Universal (UVV) had a net profit margin of 0.0% in fiscal year 2026, representing the share of revenue converted into profit after all expenses.

Does Universal pay dividends?

Yes, Universal (UVV) paid $3.28 per share in dividends during fiscal year 2026.

What is Universal's return on equity (ROE)?

Universal (UVV) has a return on equity of 0.0% for fiscal year 2026, measuring how efficiently the company generates profit from shareholder equity.

What is Universal's free cash flow?

Universal (UVV) generated $80.3M in free cash flow during fiscal year 2026. This represents a -69.6% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Universal's operating cash flow?

Universal (UVV) generated $129.1M in operating cash flow during fiscal year 2026, representing cash generated from core business activities.

What are Universal's total assets?

Universal (UVV) had $2.8B in total assets as of fiscal year 2026, including both current and long-term assets.

What are Universal's capital expenditures?

Universal (UVV) invested $48.8M in capital expenditures during fiscal year 2026, funding long-term assets and infrastructure.

How many shares does Universal have outstanding?

Universal (UVV) had 25M shares outstanding as of fiscal year 2026.

What is Universal's current ratio?

Universal (UVV) had a current ratio of 3.49 as of fiscal year 2026, which is generally considered healthy.

What is Universal's debt-to-equity ratio?

Universal (UVV) had a debt-to-equity ratio of 0.44 as of fiscal year 2026, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Universal's return on assets (ROA)?

Universal (UVV) had a return on assets of 0.0% for fiscal year 2026, measuring how efficiently the company uses its assets to generate profit.

What is Universal's Altman Z-Score?

Universal (UVV) has an Altman Z-Score of 3.02, placing it in the Safe Zone (low bankruptcy risk). The Z-Score combines five financial ratios (working capital, retained earnings, EBIT, market capitalization, and revenue relative to total assets) to predict the likelihood of bankruptcy. Scores above 2.99 indicate financial safety while scores below 1.81 suggest financial distress. Learn more in our complete guide to financial health indicators.

What is Universal's Piotroski F-Score?

Universal (UVV) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Universal's earnings high quality?

Universal (UVV) has an earnings quality ratio of 3955.63x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

Can Universal cover its interest payments?

Universal (UVV) has an interest coverage ratio of 2.3x, meaning it can adequately cover its interest obligations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.

How financially healthy is Universal?

Universal (UVV) scores 47 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.