Universal Insurance (UVE)
NYSE:UVE
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UVE Stock Chart & Stats
$35.58
-$0.19(-0.94%)
At close: 4:00 PM EST
$35.58
-$0.19(-0.94%)
Day’s Range― - ―
52-Week Range$21.96 - $41.96
Previous CloseN/A
Volume19.60K
Average Volume (3M)171.33K
Market Cap
$1.15B
Enterprise Value$560.40M
Total Cash (Recent Filing)$740.55M
Total Debt (Recent Filing)$100.29M
Price to Earnings (P/E)5.9
Beta0.32
Next Earnings
Jul 23, 2026EPS Estimate
1.57Next Dividend Ex-DateN/A
Dividend Yield2.18%
Share Statistics
EPS (TTM)7.02
Shares Outstanding27,911,118
10 Day Avg. Volume163,653
30 Day Avg. Volume171,332
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 Cap0.49
Enterprise Value/Revenue0.35
Enterprise Value/Gross Profit1.10
Enterprise Value/Ebitda2.06
Forecast
1Y Price Target
$40.00Price Target Upside12.42% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)4.63
Revenue Forecast (FY)$2.20B
Bulls Say, Bears Say
Bulls Say
Cash Generation & Free Cash Flow QualityHigh and consistent operating and free cash flow provides durable internal funding for claims, reinsurance premiums, reserve strengthening, and shareholder returns. This cash-generation quality reduces reliance on external financing and supports capital actions through underwriting cycles.
Underwriting Improvement And Strong ReturnsSustained improvement in loss and combined ratios and very high ROE indicate stronger underwriting discipline and pricing adequacy. These durable improvements drive capital efficiency, allow reinvestment or distributions, and create a buffer against future claim volatility if maintained.
Multi-year Reinsurance Program & Capital ProtectionA broadened, partially multi-year reinsurance structure materially reduces earnings volatility from catastrophes and supports capacity for growth outside Florida. Multi-year layers and FHCF integration provide durable catastrophe protection that stabilizes capital and underwriting continuity.
Bears Say
Sharp TTM Revenue DeclineA substantial trailing-twelve-month revenue contraction reduces scale and premium base, weakening expense absorption and underwriting leverage. If persistent, lower top-line threatens long-term margin sustainability and limits flexibility to grow earned premiums and diversify risk exposure.
Rising Expense Ratio And Limited Premium GrowthAn increasing expense ratio combined with nearly flat earned premiums signals pressure on underwriting margins and poorer operational leverage. Higher acquisition and ceded costs can persistently compress profitability if rate actions are delayed or competitive pressures force below-cost pricing.
Higher-Cost Debt & Balance-Sheet SensitivityIssuing higher-coupon unsecured notes increases fixed financing costs and introduces covenants that can restrict dividends under stress. Coupled with past asset and equity volatility, elevated interest expense and covenant limits can reduce capital flexibility over multiple quarters.
Universal Insurance Holdings News
UVE FAQ
What was Universal Insurance’s price range in the past 12 months?
Universal Insurance lowest stock price was $21.96 and its highest was $41.96 in the past 12 months.
What is Universal Insurance’s market cap?
Universal Insurance’s market cap is $1.15B.
When is Universal Insurance’s upcoming earnings report date?
Universal Insurance’s upcoming earnings report date is Jul 23, 2026 which is in 26 days.
How were Universal Insurance’s earnings last quarter?
Universal Insurance released its earnings results on Apr 23, 2026. The company reported $2 earnings per share for the quarter, beating the consensus estimate of $1.422 by $0.578.
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 $0.16 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 1.57.
How many shares outstanding does Universal Insurance have?
Universal Insurance has 27,911,118 shares outstanding.
What happened to Universal Insurance’s price movement after its last earnings report?
Universal Insurance reported an EPS of $2 in its last earnings report, beating expectations of $1.422. Following the earnings report the stock price went up 12.223%.
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
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Analyst Consensus
Moderate Buy
Average Price Target:
$40.00 (12.42% Upside)
$40.00 (12.42% Upside)
Blogger Sentiment
Neutral
UVE Sentiment 50%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 25.0K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $3.5M over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Very Positive
Last 7 Days ▲ 7.5%
Last 30 Days ▲ 4.5%
Last 30 Days ▲ 4.5%
Technicals
SMA
Positive
20 days / 200 days
Momentum
50.79%
12-Months-Change
Fundamentals
Return on Equity
37.50%
Trailing 12-Months
Asset Growth
14.61%
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 offers insurance products for personal residential insurance, such as homeowners, renters and tenants, condo unit owners, and dwelling and fire; and 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; evaluates insurance risk and exposures on an individual and portfolio basis and assists the insurance entities with pricing risks; places and manages its reinsurance programs; and operates its digital insurance agency, Clovered.com. It offers its products through its independent agency network, direct-to-consumer online distribution, and digital insurance agency platform. 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
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call conveyed strong profitability and capital management positives: very high adjusted ROE (38.5%), a ~38.9% increase in adjusted diluted EPS, improved combined and loss ratios, expanded multiyear reinsurance protection, share repurchases and a dividend. Offsetting items were modest top-line growth (core revenue +0.8%, net premiums earned +0.3%), a higher net expense ratio (+1.3 points) and some competitive and disclosure uncertainties. On balance, the positive operational and capital outcomes outweigh the limited growth and expense pressures.View all UVE earnings summariesUVE Stock 12 Month Forecast
Average Price Target
$40.00
▲(12.42% Upside)
Technical Analysis
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Ownership Overview
9.22% Insiders
18.52% Mutual Funds
13.94% Other Institutional Investors
39.95% Public Companies and
Individual Investors