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UVE Stock Chart & Stats
$41.61
$2.62(6.30%)
At close: 4:00 PM EDT
$41.61
$2.62(6.30%)
Day’s Range― - ―
52-Week Range$23.25 - $45.15
Previous CloseN/A
Volume33.28K
Average Volume (3M)221.49K
Market Cap
$1.22B
Enterprise Value$1.30K
Total Cash (Recent Filing)$703.84M
Total Debt (Recent Filing)$97.85M
Price to Earnings (P/E)5.5
Beta0.37
Next Earnings
Oct 22, 2026EPS Estimate
-0.29Next Dividend Ex-DateN/A
Dividend Yield1.76%
Share Statistics
EPS (TTM)7.91
Shares Outstanding27,830,355
10 Day Avg. Volume238,254
30 Day Avg. Volume221,493
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$45.00Price Target Upside8.15% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)4.63
Revenue Forecast (FY)$2.23B
Bulls Say, Bears Say
Bulls Say
Underwriting Improvement & Strong ROESubstantially improved combined and loss ratios alongside a 33.2% adjusted ROE indicate underwriting discipline and profitable core operations. These metrics point to sustainable earnings capacity over the coming months if current underwriting, pricing, and claims trends persist.
Strengthened Catastrophe Reinsurance ProgramA larger, multi-year catastrophe program with substantial coverage and FHCF support materially reduces capital volatility from hurricanes and multiple events. This lowers tail risk, stabilizes capital needs, and supports predictable underwriting results over the policy and treaty cycle.
Conservative Balance Sheet And Capital BaseVery low leverage and expanding equity provide financial flexibility to absorb adverse loss years, fund growth, and support reinsurance and regulatory requirements. The stronger capital base also underpins capacity to pursue multi-state expansion without over-reliance on short-term borrowing.
Bears Say
Rising Expense RatioA rising expense ratio, driven by higher acquisition costs, compresses underwriting margins and reduces the buffer between premiums and combined ratio improvements. If acquisition cost inflation persists, it will require higher rate adequacy or efficiency gains to sustain current profitability levels.
Sluggish Florida Premium GrowthModest growth in Florida—historically a core market—limits upside from a market where reform tailwinds are expected. Continued slow expansion in Florida increases reliance on other states for growth and may constrain scale benefits or pricing power in the company’s largest exposure geography.
Higher-cost Unsecured Debt With CovenantsReplacing near-term maturities with higher-coupon unsecured notes improves maturity profile but raises interest expense and adds covenants that can restrict dividends or actions under stress. This increases fixed obligations and can limit financial flexibility in adverse underwriting cycles.
Universal Insurance Holdings News
UVE FAQ
What was Universal Insurance’s price range in the past 12 months?
Universal Insurance lowest stock price was $23.25 and its highest was $45.15 in the past 12 months.
What is Universal Insurance’s market cap?
Universal Insurance’s market cap is $1.22B.
When is Universal Insurance’s upcoming earnings report date?
Universal Insurance’s upcoming earnings report date is Oct 22, 2026 which is in 73 days.
How were Universal Insurance’s earnings last quarter?
Universal Insurance released its earnings results on Jul 23, 2026. The company reported $1.84 earnings per share for the quarter, beating the consensus estimate of $1.615 by $0.225.
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 Quarterly dividend of $0.16 which represents an annual dividend yield of 1.76%. See more information on Universal Insurance dividends here
What is Universal Insurance’s EPS estimate?
Universal Insurance’s EPS estimate is -0.29.
How many shares outstanding does Universal Insurance have?
Universal Insurance has 27,830,355 shares outstanding.
What happened to Universal Insurance’s price movement after its last earnings report?
Universal Insurance reported an EPS of $1.84 in its last earnings report, beating expectations of $1.615. Following the earnings report the stock price went up 10.431%.
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
Neutral
1
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8
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10
Analyst Consensus
Hold
Average Price Target:
$45.00 (8.15% Upside)
$45.00 (8.15% Upside)
Blogger Sentiment
Bullish
UVE Sentiment 60%
Sector Average 56%
Sector Average 56%
Hedge Fund Trend
Increased
By 25.0K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $2.7M over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Positive
Last 7 Days ▼ 1.3%
Last 30 Days ▲ 4.7%
Last 30 Days ▲ 4.7%
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
72.12%
12-Months-Change
Fundamentals
Return on Equity
1.76%
Trailing 12-Months
Asset Growth
13.85%
Trailing 12-Months
Company Description
Universal Insurance
Universal Insurance Holdings, Inc. (UVE) is an insurance holding company focused on personal lines property and casualty insurance in the United States, with an emphasis on homeowners and dwelling/fire coverage in coastal and catastrophe-exposed markets. Through its operating insurance entities and related services, the company underwrites and services residential property insurance policies and uses reinsurance to manage exposure to large losses from events such as hurricanes.
UVE Earnings Call
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call was largely positive: the company reported strong profitability (33.2% adjusted ROE), sizable EPS improvement (~49.6%), steady top-line premium and revenue growth, and meaningful underwriting improvement (combined ratio down 6.2 pts, loss ratio down 7.5 pts). Favorable developments in Florida (legislative reforms), improved reinsurance pricing, and robust growth outside Florida underpin expectations for sustained profitable growth. Offsetting items are modest: a 1.3-pt rise in the net expense ratio driven by acquisition costs, relatively muted Florida premium growth (+0.8%), and a limited remaining buyback authorization. Overall, highlights materially outweigh the lowlights.View all UVE earnings summariesUVE Stock 12 Month Forecast
Average Price Target
$45.00
▲(8.15% Upside)
Technical Analysis
American Coastal Insurance
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HCI Group
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Bowhead Specialty Holdings Inc.
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Ategrity Specialty Holdings LLC
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Ownership Overview
9.09% Insiders
18.57% Mutual Funds
4.52% Other Institutional Investors
48.58% Public Companies and
Individual Investors