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Universal Insurance Holdings, Inc. UVE R2K

Financial Services · Insurance - Property & Casualty · United States
https://www.universalinsuranceholdings.com
Company Profile ↓
$41.45
+74.92% 1Y
Mkt Cap$1.16B
P/E6.13
P/B1.93
Div. Yield1.69%
52W High$43.01
52W Low$22.38
Book Value$19.67
EPS (TTM)$6.76

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 38.9%, 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 6.1, below the sector median of 13.3.

Healthy Margins

Operating margin of 18.6% supports profitability.

Conservative Balance Sheet

Carries low leverage with a debt-to-equity ratio of 0.17.

Recent Developments

  • Dec 2025 Revenue of $1.60B (+5.5% YoY); net profit $182.95M.
  • Trailing 12 Months Year-on-year growth — revenue -0.3%, earnings +30.6%.
  • 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:-0.30%

Compounded Profit Growth

5 Years:12.25%
1 Year:30.60%

Stock Price Performance

1 Year:+74.92%
6 Months:+37.11%
3 Months:+19.17%
1 Month:+8.85%

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

Technical Snapshot Bullish
52-Week Range 92% of range
$22.38 $43.01
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)55.81 · Neutral
Price Performance
1M+8.85%
3M+19.17%
6M+37.11%
1Y+74.92%
Valuation vs Sector

P/E of 6.13 is below the sector median of 13.30 — 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 38.9%.
  • 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
6.13
Industry PE
13.30
Forward P/E
9.42
PEG Ratio
-
Book Value
$19.67
Price to Book
1.93
P/S
0.66
EV/EBITDA
2.07
Dividend Yield
1.69%

Growth (CAGR)

Revenue 5Y
13.53%
Profit 5Y
12.25%
Revenue (YoY)
-0.30%
Earnings (YoY)
30.60%

Profitability & Returns

ROCE
-
ROE
38.88%
ROA
6.06%
Profit Margin
12.22%
Op Margin
18.62%
Gross Margin
24.03%
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
$2.77B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
11.28%
Chg in Prom Hold
0.04%
FII / Inst Holding
75.72%
Chg in FII Hold
0.01%

Financial Snapshot

Enterprise Value
$1.16B
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%

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. R2K 41.45 6.13 $1.16B 1.69% - 38.88% 13.53% 12.25%
2 JPM JPMorgan Chase & Co. SPX 342.89 16.42 $918.78B 1.87% - 16.47% 5.35% 7.56%
3 BRK-B Berkshire Hathaway Inc. SPX 491.09 14.61 $686.70B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPX 356.02 31.01 $590.89B 0.83% 37.15% 60.35% 14.33% 13.04%
5 MA Mastercard Incorporated SPX 538.02 31.10 $471.86B 0.71% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPX 60.62 15.04 $430.20B 2.00% - 10.64% 6.00% 3.49%
7 MS Morgan Stanley SPX 227.67 20.62 $359.10B 1.87% - 16.39% 3.76% 9.66%
8 GS The Goldman Sachs Group, Inc. SPX 1,140.00 20.83 $336.31B 1.69% - 14.55% - 2.21%
9 WFC Wells Fargo & Company SPX 85.29 13.18 $261.00B 2.11% - 12.03% 4.02% 15.98%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Jun 2016Sep 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 2026
Revenue 169.80M172.44M178.60M174.87M185.49M190.24M201.31M191.50M209.79M206.16M216.37M236.59M233.72M229.64M239.40M235.28M252.70M311.67M273.13M262.76M279.18M287.25M292.66M287.48M292.01M312.81M330.36M316.51M339.57M360.05M375.46M367.96M380.21M387.55M384.81M394.87M400.14M400.98M407.93M393.56M
Net Income 33.65M26.88M13.65M31.20M29.38M9.96M36.40M40.05M46.08M37.38M-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-16.16M6.02M41.44M35.09M39.83M66.59M54.29M
Diluted EPS 0.940.750.380.860.820.281.031.121.291.04-0.191.141.080.59-1.550.610.62-0.10-0.570.840.700.64-1.540.560.24-2.360.820.790.93-0.200.681.141.21-0.570.211.441.211.382.281.88

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
11.28%
Institutions
75.72%
Public Float
85.35%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 9.26% 2.58M $110.19M
2 Dimensional Fund Advisors LP 4.63% 1.29M $55.05M
3 Donald Smith & Co., Inc. 4.20% 1.17M $50.04M
4 Vanguard Capital Management LLC 4.00% 1.12M $47.57M
5 American Century Companies Inc 3.58% 999.93K $42.64M
6 Geode Capital Management, LLC 3.19% 891.15K $38.00M
7 Vanguard Portfolio Management LLC 2.73% 761.99K $32.49M
8 Two Sigma Investments, LP 2.36% 659.45K $28.12M
9 Goldman Sachs Group Inc 2.34% 654.20K $27.89M
10 State Street Corporation 2.17% 605.38K $25.81M

Analyst View

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Latest News

Recent headlines for UVE

Google News ue, 14 Jul 2026

Universal Insurance Sets July 24 Webcast for Q2 Results - Stock Titan

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Google News hu, 02 Jul 2026

UVE Stock Outperforms Industry, Trades Near 52-Week High: Time to Exit? - Yahoo Finance

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Google News Fri, 03 Jul 2026

Universal Insurance Holdings (UVE) Stock May Be Cheap On Fair Value Yet Strong On Earnings - simplywall.st

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Google News Wed, 22 Apr 2026

Is Universal Insurance Holdings (UVE) Stock Undervalued Right Now? - Yahoo Finance

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Google News ue, 24 Feb 2026

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UVE — Frequently Asked Questions

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

As of 2026-07-14 21:23 PDT, Universal Insurance Holdings, Inc. (UVE) trades at $41.45 on NYSE. Its 52-week range is $22.38 to $43.01.

What is the market capitalisation of UVE?

Universal Insurance Holdings, Inc. (UVE) has a market capitalisation of $1.16B on NYSE.

What is the P/E ratio of UVE?

UVE trades at a trailing price-to-earnings (P/E) ratio of 6.13. The industry average P/E is 13.30. Its price-to-book (P/B) ratio is 1.93.

Does UVE pay a dividend?

Universal Insurance Holdings, Inc. (UVE) currently offers a dividend yield of 1.69%.

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

UVE has a return on equity (ROE) of 38.88%.

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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