Universal Insurance Holdings, Inc. UVE R2K
Financial Services · Insurance - Property & Casualty · United States
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.
READ MORE ›$37.02
+39.77% 1Y
Market & Price
Market Cap
$1.03B
Current Price
$37.02
High / Low (52W)
$41.10 / $22.38
Beta
0.79
Valuation
Stock P/E
5.48
Industry PE
12.01
Forward P/E
8.41
PEG Ratio
-
Book Value
$19.67
Price to Book
1.88
P/S
0.64
EV/EBITDA
1.98
Dividend Yield
1.73%
Profitability & Returns
ROCE
-
ROE
38.88%
ROA
6.06%
Profit Margin
12.22%
Op Margin
18.62%
EPS (Latest Qtr)
$1.88
EPS (TTM)
$6.76
Balance Sheet & Liquidity
Debt/Equity
0.17
Quick Ratio
0.37
Current Ratio
0.55
Debt
$100.29M
Total Assets
$2.84B
Current Assets
-
Working Capital
-
Ownership
Promoter Holding
11.24%
Chg in Prom Hold
-
FII / Inst Holding
75.71%
Chg in FII Hold
0.02%
Financial Snapshot
Enterprise Value
$537.79M
Total Revenue (TTM)
$1.60B
EBITDA
$272.13M
Free Cash Flow
$338.45M
Operating Cash Flow
$349.55M
Shares Outstanding
27.91M
Gross Margin
24.03%
Payout Ratio
9.47%
Growth (CAGR)
Revenue 5Y
9.47%
Profit 5Y
307.33%
Revenue (YoY)
-0.30%
Earnings (YoY)
30.60%
PROS
- Strong return on equity of 38.9%.
- Profit CAGR of 307.3% over 5 years.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth
No fundamental data available for this stock.
Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | UVE Universal Insurance Holdings, Inc. R2K | 37.02 | 5.48 | $1.03B | 1.73% | - | 38.88% | 9.47% | 307.33% |
| 2 | JPM JPMorgan Chase & Co. SPX | 299.31 | 14.33 | $802.00B | 2.00% | - | 16.47% | 12.50% | 14.83% |
| 3 | V Visa Inc. SPX | 326.36 | 28.48 | $620.65B | 0.82% | 38.38% | 60.35% | 10.92% | 10.28% |
| 4 | MA Mastercard Incorporated SPX | 493.98 | 28.57 | $436.47B | 0.70% | 61.47% | - | 13.82% | 14.66% |
| 5 | MS Morgan Stanley SPX | 208.00 | 18.84 | $328.08B | 1.92% | - | 16.39% | 9.52% | 15.20% |
| 6 | GS The Goldman Sachs Group, Inc. SPX | 1,025.56 | 18.73 | $302.55B | 1.76% | - | 14.55% | 7.16% | 15.11% |
| 7 | WFC Wells Fargo & Company SPX | 77.54 | 11.98 | $237.29B | 2.32% | - | 12.03% | 4.02% | 15.98% |
| 8 | BLK BlackRock, Inc. SPX | 1,046.88 | 26.32 | $162.51B | 2.19% | 4.89% | 11.90% | 10.65% | 2.36% |
| 9 | SCHW The Charles Schwab Corporation SPX | 87.35 | 17.37 | $151.91B | 1.47% | - | 19.08% | 4.83% | 7.21% |
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Quarterly Results
Figures in USD.
| Metric | Jun 2016 | Sep 2016 | Dec 2016 | Mar 2017 | Jun 2017 | Sep 2017 | Dec 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 169.80M | 172.44M | 178.60M | 174.87M | 185.49M | 190.24M | 201.31M | 191.50M | 209.79M | 206.16M | 216.37M | 236.59M | 233.72M | 229.64M | 239.40M | 235.28M | 252.70M | 311.67M | 273.13M | 262.76M | 279.18M | 287.25M | 292.66M | 287.48M | 292.01M | 312.81M | 330.36M | 316.51M | 339.57M | 360.05M | 375.46M | 367.96M | 380.21M | - | - | 394.87M | 400.14M | 400.98M | 407.93M | 393.56M |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 56.89M | 47.82M | 54.20M | 89.87M | 73.11M |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 1.44M | 1.43M | 1.43M | 1.42M | 1.42M |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 55.46M | 46.39M | 52.78M | 88.45M | 71.69M |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 14.02M | 11.29M | 12.95M | 21.86M | 17.40M |
| Net Income | 33.65M | 26.88M | 13.65M | 31.20M | 29.38M | 9.96M | 36.40M | 40.05M | 46.08M | 37.38M | -6.47M | 40.15M | 37.29M | 20.15M | -51.07M | 20.07M | 19.88M | -3.17M | -17.68M | 26.41M | 21.94M | 20.18M | -48.12M | 17.54M | 7.37M | -72.28M | 25.11M | 24.17M | 28.57M | -5.92M | 20.00M | 33.66M | 35.42M | - | - | 41.44M | 35.09M | 39.83M | 66.59M | 54.29M |
| Diluted EPS | 0.94 | 0.75 | 0.38 | 0.86 | 0.82 | 0.28 | 1.03 | 1.12 | 1.29 | 1.04 | -0.19 | 1.14 | 1.08 | 0.59 | -1.55 | 0.61 | 0.62 | -0.10 | -0.57 | 0.84 | 0.70 | 0.64 | -1.54 | 0.56 | 0.24 | -2.36 | 0.82 | 0.79 | 0.93 | -0.20 | 0.68 | 1.14 | 1.21 | - | - | 1.44 | 1.21 | 1.38 | 2.28 | 1.88 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 210.64M | 239.92M | 225.86M | 269.94M | 301.16M | 369.28M | 546.54M | 685.29M | 751.92M | 823.82M | 939.35M | 1.07B | 1.12B | 1.22B | 1.39B | 1.52B | 1.60B |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - | - | - | - | - | - | - | - | -21.34M | 94.17M | 90.38M | 248.78M |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | 5.91M | 5.82M | 5.77M | 5.71M |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | - | - | - | -27.25M | 88.35M | 84.61M | 243.07M |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | - | - | - | -4.99M | 21.53M | 25.68M | 60.12M |
| Net Income | 28.79M | 36.98M | 20.11M | 30.31M | 58.98M | 72.99M | 106.48M | 99.41M | 106.94M | 117.05M | 46.51M | 19.11M | 20.41M | -22.26M | 66.82M | 58.93M | 182.95M |
| Diluted EPS | 0.71 | 0.91 | 0.50 | 0.75 | 1.56 | 2.08 | 2.97 | 2.79 | 2.99 | 3.27 | 1.36 | 0.60 | 0.65 | -0.72 | 2.22 | 2.01 | 6.32 |
Compounded Sales Growth
| 5 Years: | 9.47% |
| 1 Year: | -0.30% |
Compounded Profit Growth
| 5 Years: | 307.33% |
| 1 Year: | 30.60% |
Stock Price Performance
| 1 Year: | +39.77% |
| 6 Months: | +13.28% |
| 3 Months: | +6.16% |
| 1 Month: | -5.14% |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2008 | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | - | - | 803.84M | 894.03M | 925.74M | 920.09M | 911.77M | 993.55M | 1.06B | 1.45B | 1.86B | 1.72B | 1.76B | - | 2.89B | 2.32B | 2.84B | 2.84B |
| Current Assets | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Cash & Equivalents | 254.37M | 173.81M | 133.65M | 229.69M | 347.39M | 117.28M | 115.40M | 197.01M | 105.73M | 213.49M | 166.43M | 182.11M | 167.16M | - | 388.71M | 397.31M | 259.44M | 408.87M |
| Inventory | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Receivables | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 878.42M | 296.17M | 705.55M | 308.64M |
| Total Liabilities | - | - | 664.05M | 744.02M | 762.22M | 744.48M | 692.86M | 700.46M | 688.82M | 1.02B | 1.36B | 1.23B | 1.31B | - | 2.60B | 1.98B | 2.47B | 2.29B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Long Term Debt | - | - | 23.16M | 21.69M | 20.22M | 37.24M | 30.61M | 24.05M | 15.03M | 12.87M | 11.40M | - | 8.46M | - | 102.77M | 102.01M | 101.24M | 100.48M |
| Total Debt | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 102.77M | 102.01M | 101.24M | 100.48M |
| Total Equity | 101.55M | 113.27M | 139.79M | 150.00M | 163.51M | 175.61M | 199.92M | 293.09M | 371.19M | 439.99M | 501.63M | 493.90M | 449.26M | - | 287.90M | 341.30M | 373.25M | 551.03M |
| Shares Outstanding | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 47.18M | 47.27M | 47.48M | 48.23M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 20.82M | -4.06M | 112.58M | 142.51M | 156.96M | - | - | - | 245.01M | 230.10M | 84.60M | 29.35M | - | 324.51M | 70.97M | 137.36M | 381.49M |
| Investing Cash Flow | -85.82M | -24.63M | -2.33M | -2.70M | -352.68M | - | - | - | -85.71M | -212.29M | 28.33M | 22.04M | - | -148.86M | -15.25M | -228.09M | -113.61M |
| Financing Cash Flow | -15.55M | -11.47M | -14.21M | -22.10M | -34.39M | - | - | - | -51.55M | -64.88M | -97.24M | -56.26M | - | -37.46M | -47.12M | -47.13M | -52.12M |
| Capital Expenditure | -762.00K | -1.71M | -2.40M | -2.73M | -1.35M | -9.27M | -11.87M | -8.22M | -4.62M | -6.73M | -11.31M | -17.22M | - | -4.90M | -4.02M | -7.37M | -4.44M |
| Free Cash Flow | 20.05M | -5.77M | 110.19M | 139.78M | 155.61M | - | - | - | 240.39M | 223.37M | 73.28M | 12.13M | - | 319.62M | 66.95M | 129.99M | 377.06M |
| Net Change in Cash | - | - | - | - | - | - | - | - | - | - | - | - | - | 138.20M | 8.60M | -137.87M | 215.76M |
| Share Buybacks | - | - | - | - | 32.37M | 29.74M | 18.65M | 8.51M | 18.14M | 25.28M | 66.19M | 28.92M | 1.61M | 11.64M | 22.02M | 21.91M | 22.37M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | -1.7% | 6.8% | 5.9% | 15.5% |
| Net Margin % | 13.7% | 15.4% | 8.9% | 11.2% | 19.6% | 19.8% | 19.5% | 14.5% | 14.2% | 14.2% | 5.0% | 1.8% | 1.8% | -1.8% | 4.8% | 3.9% | 11.4% |
| ROE % | 25.4% | 26.5% | 13.4% | 18.5% | 33.6% | 36.5% | 36.3% | 26.8% | 24.3% | 23.3% | 9.4% | 4.3% | - | -7.7% | 19.6% | 15.8% | 33.2% |
| ROCE % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Shareholding Pattern
Insiders
11.24%
Institutions
75.71%
Public Float
85.30%
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 9.26% | 2.58M | $95.67M |
| 2 | Dimensional Fund Advisors LP | 4.63% | 1.29M | $47.79M |
| 3 | Donald Smith & Co., Inc. | 4.20% | 1.17M | $43.44M |
| 4 | Vanguard Capital Management LLC | 4.00% | 1.12M | $41.30M |
| 5 | American Century Companies Inc | 3.58% | 999.93K | $37.02M |
| 6 | Geode Capital Management, LLC | 3.19% | 891.15K | $32.99M |
| 7 | Vanguard Portfolio Management LLC | 2.73% | 761.99K | $28.21M |
| 8 | Two Sigma Investments, LP | 2.36% | 659.45K | $24.41M |
| 9 | Goldman Sachs Group Inc | 2.34% | 654.20K | $24.22M |
| 10 | State Street Corporation | 2.17% | 605.38K | $22.41M |
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