Universal Insurance Holdings Inc (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)177.78K
Market Cap
$1.09B
Enterprise Value$611.91M
Total Cash (Recent Filing)$740.55M
Total Debt (Recent Filing)$100.29M
Price to Earnings (P/E)4.4
Beta0.38
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. Volume155,531
30 Day Avg. Volume177,785
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 Cap0.56
Enterprise Value/Revenue0.38
Enterprise Value/Gross Profit1.20
Enterprise Value/Ebitda2.25
Forecast
1Y Price Target
$40.00Price Target Upside12.42% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)4.38
Revenue Forecast (FY)$2.20B
Bulls Say, Bears Say
Bulls Say
Cash Generation & FCF QualityUniversal's free cash flow (~$345M) closely tracks reported earnings (~99% of net income), providing a durable internal funding source for reinsurance, dividends, and buybacks. Strong cash conversion reduces reliance on capital markets and buffers the company against underwriting volatility over the next several quarters.
Very High Adjusted ROE And Improved UnderwritingA 38.5% adjusted ROE alongside improved combined and loss ratios indicates strong capital efficiency and underwriting discipline. Durable elevated returns suggest management can generate shareholder value from existing capital while retaining flexibility to reinvest or return capital, assuming underwriting trends remain favorable.
Multiyear Reinsurance Protection SecuredSecuring $352M of multiyear reinsurance and maintaining retention structures materially lowers earnings volatility from catastrophic events. This structural protection preserves capital and underwriting capacity, enabling the company to pursue measured growth and sustain capital returns across upcoming treaty years.
Bears Say
Sharp Recent Revenue DeclineA 21% TTM revenue drop signals weakening scale that can reduce investment income and compress operating leverage. If driven by pricing mix, ceded premiums, or reduced earned premium, the decline could limit margin sustainability and constrain capital deployment decisions over the next several quarters.
Limited Premiums And Core Revenue GrowthNearly flat net premiums earned and minimal core revenue growth indicate top-line expansion is weak, limiting organic earnings momentum. Over 2-6 months this forces reliance on underwriting margin improvements or investment returns to drive earnings, and leaves little room for scaling fixed costs without pressuring combined ratios.
Rising Expense Ratio And Competitive PressureAn increasing net expense ratio driven by higher ceded premium and acquisition costs, together with management's note of pervasive competition, suggests margin pressure risks. If sustained, higher expense levels can erode recent combined-ratio gains and reduce free-cash-flow conversion, limiting durable profitability.
Universal Insurance Holdings News
UVE FAQ
What was Universal Insurance Holdings Inc’s price range in the past 12 months?
Universal Insurance Holdings Inc lowest stock price was $21.96 and its highest was $41.96 in the past 12 months.
What is Universal Insurance Holdings Inc’s market cap?
Universal Insurance Holdings Inc’s market cap is $1.09B.
When is Universal Insurance Holdings Inc’s upcoming earnings report date?
Universal Insurance Holdings Inc’s upcoming earnings report date is Jul 23, 2026 which is in 77 days.
How were Universal Insurance Holdings Inc’s earnings last quarter?
Universal Insurance Holdings Inc 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 Holdings Inc overvalued?
According to Wall Street analysts Universal Insurance Holdings Inc’s price is currently Undervalued.
Does Universal Insurance Holdings Inc pay dividends?
Universal Insurance Holdings Inc pays a Notavailable dividend of $0.29 which represents an annual dividend yield of 2.18%. See more information on Universal Insurance Holdings Inc dividends here
What is Universal Insurance Holdings Inc’s EPS estimate?
Universal Insurance Holdings Inc’s EPS estimate is 1.57.
How many shares outstanding does Universal Insurance Holdings Inc have?
Universal Insurance Holdings Inc has 27,911,118 shares outstanding.
What happened to Universal Insurance Holdings Inc’s price movement after its last earnings report?
Universal Insurance Holdings Inc 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 Holdings Inc?
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
Bullish
UVE Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 347.1K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $1.7M over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Very Negative
Last 7 Days ▼ 6.7%
Last 30 Days ▲ 3.4%
Last 30 Days ▲ 3.4%
Technicals
SMA
Positive
20 days / 200 days
Momentum
57.78%
12-Months-Change
Fundamentals
Return on Equity
37.50%
Trailing 12-Months
Asset Growth
14.61%
Trailing 12-Months
Company Description
Universal Insurance Holdings Inc
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
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
9.28% Insiders
18.42% Mutual Funds
1.71% Other Institutional Investors
53.21% Public Companies and
Individual Investors