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Universal Insurance (UVE)
NYSE:UVE
UVE Stock Chart & Stats
$35.17
-$0.19(-0.94%)
At close: 4:00 PM EST
$35.17
-$0.19(-0.94%)
Day’s Range― - ―
52-Week Range$20.32 - $35.84
Previous CloseN/A
Volume19.60K
Average Volume (3M)162.08K
Market Cap
$986.48M
Enterprise Value$609.12M
Total Cash (Recent Filing)$477.84M
Total Debt (Recent Filing)$100.48M
Price to Earnings (P/E)5.6
Beta0.32
Next Earnings
Apr 23, 2026EPS Estimate
1.39Next Dividend Ex-DateN/A
Dividend Yield2.18%
Share Statistics
EPS (TTM)2.17
Shares Outstanding28,048,882
10 Day Avg. Volume175,720
30 Day Avg. Volume162,081
Financial Highlights & Ratios
PEG Ratio0.02
Price to Book (P/B)1.71
Price to Sales (P/S)0.59
P/FCF Ratio2.50
Enterprise Value/Market Cap0.62
Enterprise Value/Revenue0.38
Enterprise Value/Gross Profit1.00
Enterprise Value/Ebitda2.44
Forecast
1Y Price Target
$40.00Price Target Upside13.73% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)3.17
Revenue Forecast (FY)$2.21B
Bulls Say, Bears Say
Bulls Say
Underwriting ImprovementThe sharp reduction in combined and loss ratios indicates durable underwriting and claims management improvements. Sustained lower loss costs and tighter pricing discipline support margin sustainability, reduce capital strain from claims volatility, and materially enhance long‑term underwriting profitability.
Stronger Reinsurance & ReservesSubstantial reinsurance placement combined with record reserve levels materially lowers catastrophe tail risk and capital volatility. Multiyear capacity for 2027 and a well‑funded reserve posture stabilize loss absorption, enabling more predictable underwriting and capacity to grow selectively without draining capital.
Robust Cash Generation & Improved LeverageStrong operating and free cash flow, together with lower leverage, provide durable capital flexibility. Reliable cash generation funds reinsurance buys, reserve builds, dividends and buybacks, reduces reliance on external financing, and underpins the company’s ability to execute strategic capital management over the medium term.
Bears Say
Earnings & Cash‑flow VolatilityHistoric swings in profitability and cash flow highlight cyclical risk in underwriting outcomes. Such volatility can force reactive capital measures, constrain long‑term investment or expansion plans, and complicate reserve forecasting, increasing the probability of capital or pricing adjustments in stressed years.
Florida Exposure And Premium DeclineA meaningful presence in Florida remains a structural vulnerability given hurricane risk and regulatory scrutiny. A decline in Florida premiums reduces top‑line and concentration relief, and ongoing regulatory or affordability pressures in the state can materially constrain pricing power and long‑term earnings stability.
Competitive & Regulatory Pressure; Rising Expense RatioRising expense ratio and acknowledged industry competition and regulatory risks pose structural margin pressure. Persistent price competition or regulatory actions limiting rate adequacy could erode underwriting margins over time, requiring continued operational discipline to maintain recent profitability levels.
Universal Insurance Holdings News
UVE FAQ
What was Universal Insurance’s price range in the past 12 months?
Universal Insurance lowest stock price was $20.32 and its highest was $35.84 in the past 12 months.
What is Universal Insurance’s market cap?
Universal Insurance’s market cap is $986.48M.
When is Universal Insurance’s upcoming earnings report date?
Universal Insurance’s upcoming earnings report date is Apr 23, 2026 which is in 52 days.
How were Universal Insurance’s earnings last quarter?
Universal Insurance released its earnings results on Feb 24, 2026. The company reported $2.17 earnings per share for the quarter, beating the consensus estimate of $1.287 by $0.883.
Is Universal Insurance overvalued?
According to Wall Street analysts Universal Insurance’s price is currently Undervalued.
Does Universal Insurance pay dividends?
Universal Insurance pays a Notavailable dividend of $0.29 which represents an annual dividend yield of 2.18%. See more information on Universal Insurance dividends here
What is Universal Insurance’s EPS estimate?
Universal Insurance’s EPS estimate is 1.39.
How many shares outstanding does Universal Insurance have?
Universal Insurance has 28,048,882 shares outstanding.
What happened to Universal Insurance’s price movement after its last earnings report?
Universal Insurance reported an EPS of $2.17 in its last earnings report, beating expectations of $1.287. Following the earnings report the stock price went up 2.476%.
Which hedge fund is a major shareholder of Universal Insurance?
Currently, no hedge funds are holding shares in UVE
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Universal Insurance Holdings Stock Smart Score
Outperform
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$40.00 (13.73% Upside)
$40.00 (13.73% Upside)
Blogger Sentiment
Neutral
UVE Sentiment 50%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 347.1K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $2.4M over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Very Negative
Last 7 Days ▼ 1.2%
Last 30 Days ▼ 2.4%
Last 30 Days ▼ 2.4%
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
65.12%
12-Months-Change
Fundamentals
Return on Equity
39.59%
Trailing 12-Months
Asset Growth
18.38%
Trailing 12-Months
Company Description
Universal Insurance
Universal Insurance Holdings, Inc., together with its subsidiaries, operates as an integrated insurance holding company in the United States. The company develops, markets, and underwrites insurance products for personal residential insurance, such as homeowners, renters/tenants, condo unit owners, and dwelling/fire; and offers allied lines, coverage for other structures, and personal property, liability, and personal articles coverages. It also advises on actuarial issues, oversees distribution, administers claims payments, performs policy administration and underwriting, and assists with reinsurance negotiations; places and manages reinsurance programs for the insurance entities; and operates Clovered.com, an online platform in which consumers receive side-by-side quotes from various carriers across multiple states, as well as educational materials about homeowners' insurance policies. It offers its products through a network of independent agents, as well as Universal Direct, a direct-to-consumer online platform, which enables homeowners to directly purchase, pay for, and bind homeowners' policies. The company was formerly known as Universal Heights, Inc. and changed its name to Universal Insurance Holdings, Inc. in January 2001. Universal Insurance Holdings, Inc. was incorporated in 1990 and is headquartered in Fort Lauderdale, Florida.
UVE Company Deck
UVE Earnings Call
Q4 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call emphasized strong profitability and improving underwriting metrics (adjusted ROE >46%, adjusted EPS up materially, lower combined and loss ratios), robust capital and reinsurance positioning, and geographic growth outside Florida. Offsetting items include a modest decline in Florida premiums, a slight rise in the expense ratio, and the fact some improvement is aided by favorable prior-year comparables (Hurricane Milton). Management portrayed a favorable competitive position and high retention but acknowledged industry-wide competition and regulatory risks. Overall, positives materially outweigh the negatives.View all UVE earnings summariesUVE Stock 12 Month Forecast
Average Price Target
$40.00
▲(13.73% Upside)
Technical Analysis
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Ownership Overview
9.11% Insiders
17.93% Mutual Funds
15.12% Other Institutional Investors
40.27% Public Companies and
Individual Investors