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Universal Insurance Holdings, Inc. UVE R2KR3KFINANCIAL

Financial Services · Insurance - Property & Casualty · United States
https://www.universalinsuranceholdings.com
Company Profile ↓
$44.76
+86.15% 1Y
Mkt Cap$1.25B
P/E5.88
P/B2.11
Div. Yield1.42%
52W High$45.08
52W Low$23.10
Book Value$20.95
EPS (TTM)$7.61

Company Overview

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.

Why Investors Should Care

Strong Return on Equity

Generates a return on equity of 40.2%, reflecting efficient use of shareholder capital.

Consistent Profit Growth

Net profit has compounded at 12.2% per year over the last five years.

Steady Revenue Expansion

Revenue has grown at a 13.5% CAGR over the past five years.

Reasonable Valuation

Trades at a P/E of 5.9, below the sector median of 14.5.

Healthy Margins

Operating margin of 19.1% supports profitability.

Conservative Balance Sheet

Carries low leverage with a debt-to-equity ratio of 0.15.

Recent Developments

  • Dec 2025 Revenue of $1.60B (+5.5% YoY); net profit $182.95M.
  • Trailing 12 Months Year-on-year growth — revenue +6.7%, earnings +68.6%.
  • 5-Year Trend Long-term compounding — revenue CAGR 13.5%, profit CAGR 12.2%.

Growth & Price Performance

Compounded Sales Growth

5 Years:13.53%
1 Year:6.70%

Compounded Profit Growth

5 Years:12.25%
1 Year:68.60%

Stock Price Performance

1 Year:+86.15%
6 Months:+28.20%
3 Months:+20.31%
1 Month:-0.71%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 99% of range
$23.10 $45.08
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)62.12 · Neutral
Price Performance
1M-0.71%
3M+20.31%
6M+28.20%
1Y+86.15%
Valuation vs Sector

P/E of 5.88 is below the sector median of 14.52 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Strong return on equity of 40.2%.
  • Compounding revenue at 13.5% over 5 years.
  • Profit CAGR of 12.2% 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.

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Valuation

Stock P/E
5.88
Industry PE
14.52
Forward P/E
9.95
PEG Ratio
-
Book Value
$20.95
Price to Book
2.11
P/S
0.75
EV/EBITDA
2.60
Dividend Yield
1.42%

Growth (CAGR)

Revenue 5Y
13.53%
Profit 5Y
12.25%
Revenue (YoY)
6.70%
Earnings (YoY)
68.60%

Profitability & Returns

ROCE
-
ROE
40.16%
ROA
5.68%
Profit Margin
13.49%
Op Margin
19.11%
Gross Margin
25.87%
EPS (Latest Qtr)
$2.04
EPS (TTM)
$7.61

Balance Sheet & Liquidity

Debt/Equity
0.15
Quick Ratio
0.24
Current Ratio
0.55
Debt
$97.85M
Total Assets
$3.31B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
11.16%
Chg in Prom Hold
-0.07%
FII / Inst Holding
77.66%
Chg in FII Hold
-0.06%

Financial Snapshot

Enterprise Value
$1.25B
Total Revenue (TTM)
$1.63B
EBITDA
$305.72M
Free Cash Flow
$313.72M
Operating Cash Flow
$344.40M
Shares Outstanding
27.83M
Gross Margin
25.87%
Payout Ratio
8.41%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 UVE Universal Insurance Holdings, Inc. R2KR3KFINANCIAL 44.76 5.88 $1.25B 1.42% - 40.16% 13.53% 12.25%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 358.64 15.37 $953.34B 1.68% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 506.03 15.07 $707.59B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 374.00 31.86 $637.34B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 579.21 31.82 $503.60B 0.60% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPXR3KFINANCIAL 62.68 14.48 $438.31B 2.03% - 11.20% 3.14% 4.27%
7 BRK-A Berkshire Hathaway Inc. FINANCIAL 759,350.00 15.07 $384.00B 0.00% - 10.50% 7.60% 10.02%
8 HSBC HSBC Holdings plc FINANCIAL 107.11 15.30 $367.34B 3.62% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 217.72 17.59 $342.26B 2.15% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue 172.44M178.60M174.87M185.49M190.24M201.31M191.50M209.79M206.16M216.37M236.59M233.72M229.64M239.40M235.28M252.70M311.67M273.13M262.76M279.18M287.25M292.66M287.48M292.01M312.81M330.36M316.51M339.57M360.05M375.46M367.96M380.21M387.55M384.81M394.87M400.14M400.98M407.93M393.56M427.03M
Net Income 26.88M13.65M31.20M29.38M9.96M36.40M40.05M46.08M37.38M-6.47M40.15M37.29M20.15M-51.07M20.07M19.88M-3.17M-17.68M26.41M21.94M20.18M-48.12M17.54M7.37M-72.28M25.11M24.17M28.57M-5.92M20.00M33.66M35.42M-16.16M6.02M41.44M35.09M39.83M66.59M54.29M59.19M
Diluted EPS 0.750.380.860.820.281.031.121.291.04-0.191.141.080.59-1.550.610.62-0.10-0.570.840.700.64-1.540.560.24-2.360.820.790.93-0.200.681.141.21-0.570.211.441.211.382.281.882.04

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue 210.64M239.92M225.86M269.94M301.16M369.28M546.54M685.29M751.92M823.82M939.35M1.07B1.12B1.22B1.39B1.52B1.60B
Net Income 28.79M36.98M20.11M30.31M58.98M72.99M106.48M99.41M106.94M117.05M46.51M19.11M20.41M-22.26M66.82M58.93M182.95M
Diluted EPS 0.710.910.500.751.562.082.972.792.993.271.360.600.65-0.722.222.016.32

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --803.84M894.03M925.74M920.09M911.77M993.55M1.06B1.45B1.86B1.72B1.76B2.06B2.89B2.32B2.84B2.84B
Total Equity 101.55M113.27M139.79M150.00M163.51M175.61M199.92M293.09M371.19M439.99M501.63M493.90M449.26M429.70M287.90M341.30M373.25M551.03M
Cash & Equivalents 254.37M173.81M133.65M229.69M347.39M117.28M115.40M197.01M105.73M213.49M166.43M182.11M167.16M250.51M388.71M397.31M259.44M408.87M
Long Term Debt --23.16M21.69M20.22M37.24M30.61M24.05M15.03M12.87M11.40M-8.46M103.68M102.77M102.01M101.24M100.48M
Total Liabilities --664.05M744.02M762.22M744.48M692.86M700.46M688.82M1.02B1.36B1.23B1.31B1.63B2.60B1.98B2.47B2.29B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 20.82M-4.06M112.58M142.51M156.96M---245.01M230.10M84.60M29.35M234.38M324.51M70.97M137.36M381.49M
Investing Cash Flow -85.82M-24.63M-2.33M-2.70M-352.68M----85.71M-212.29M28.33M22.04M-229.40M-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-56.26M68.30M-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-7.23M-4.90M-4.02M-7.37M-4.44M
Free Cash Flow 20.05M-5.77M110.19M139.78M155.61M---240.39M223.37M73.28M12.13M227.15M319.62M66.95M129.99M377.06M
Share Buybacks ----32.37M29.74M18.65M8.51M18.14M25.28M66.19M28.92M1.61M11.64M22.02M21.91M22.37M

Ratios (Annual)

Figures in %.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -----------------
Operating Margin % -----------------
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%4.7%-7.7%19.6%15.8%33.2%
ROCE % -----------------

Shareholding Pattern

Insiders
11.16%
Institutions
77.66%
Public Float
87.41%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 9.64% 2.68M $116.56M
2 Dimensional Fund Advisors LP 4.65% 1.29M $56.20M
3 Vanguard Capital Management LLC 3.99% 1.11M $48.25M
4 American Century Companies Inc 3.98% 1.11M $48.12M
5 Vanguard Portfolio Management LLC 3.38% 940.84K $40.86M
6 Geode Capital Management, LLC 3.19% 888.73K $38.60M
7 Donald Smith & Co., Inc. 2.59% 721.69K $31.34M
8 State Street Corporation 2.31% 642.44K $27.90M
9 Two Sigma Investments, LP 2.15% 598.84K $26.01M
10 Morgan Stanley 2.12% 589.14K $25.59M

Analyst View

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Latest News

Recent headlines for UVE

Google News Fri, 04 Sep 2026

Universal Insurance (UVE) Stock Could Be A Bargain Despite A 308% Run - simplywall.st

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Google News Sun, 26 Jul 2026

Universal Insurance Holdings (UVE) Stock Still Looks Undervalued Despite A 261% Five Year Gain - Yahoo Finance

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Google News hu, 03 Sep 2026

Understanding Momentum Shifts in (UVE) - Stock Traders Daily

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Google News hu, 20 Aug 2026

UVE Stock Gains 71.4% in a Year: Time to Add It for Better Returns? - Eastern Progress

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Google News ue, 01 Sep 2026

UVE's Underwriting, Premium Growth and Diversification Boost Earnings - TradingView

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Google News hu, 23 Jul 2026

UNIVERSAL INSURANCE HLDGS ($UVE) Releases Q2 2026 Earnings, Stock Rises - quiverquant.com

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UVE — Frequently Asked Questions

What is the current share price of Universal Insurance Holdings, Inc. (UVE)?

As of 2026-09-07 16:24 PDT, Universal Insurance Holdings, Inc. (UVE) trades at $44.76 on NYSE. Its 52-week range is $23.10 to $45.08.

What is the market capitalisation of UVE?

Universal Insurance Holdings, Inc. (UVE) has a market capitalisation of $1.25B on NYSE.

What is the P/E ratio of UVE?

UVE trades at a trailing price-to-earnings (P/E) ratio of 5.88. The industry average P/E is 14.52. Its price-to-book (P/B) ratio is 2.11.

Does UVE pay a dividend?

Universal Insurance Holdings, Inc. (UVE) currently offers a dividend yield of 1.42%.

What is the return on equity (ROE) of UVE?

UVE has a return on equity (ROE) of 40.16%.

Is UVE a good stock to buy?

This page provides a data-driven analysis of Universal Insurance Holdings, Inc. (UVE), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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