Universal Insurance (DE:5UI)
NYSE:5UI
5UI Stock Chart & Stats
€29.40
€0.30(1.60%)
At close: 4:00 PM EST
€29.40
€0.30(1.60%)
Day’s Range― - ―
52-Week Range€19.40 - €35.00
Previous CloseN/A
Volume0.00
Average Volume (3M)52.00
Market Cap
€899.79M
Enterprise Value€537.79M
Total Cash (Recent Filing)€740.55M
Total Debt (Recent Filing)€100.29M
Price to Earnings (P/E)5.3
Beta0.19
Next Earnings
Jul 23, 2026EPS Estimate
1.34Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)7.02
Shares Outstanding27,911,118
10 Day Avg. Volume0
30 Day Avg. Volume52
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 CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
€34.44Price Target Upside17.16% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)3.97
Revenue Forecast (FY)€1.89B
Bulls Say, Bears Say
Bulls Say
High Return On EquityA ~37.5% trailing ROE signals durable capital efficiency from underwriting and investment results. Sustained high ROE allows the insurer to retain earnings, support dividends and repurchases, and better absorb underwriting volatility, strengthening long-term shareholder returns and capital flexibility.
Strong Cash GenerationRobust free cash flow that closely tracks reported earnings indicates high-quality profitability. Reliable cash generation funds reinsurance premiums, claims, capital returns and operations, reducing reliance on external funding and improving resilience across multiple underwriting cycles.
Expanded Multiyear ReinsuranceSecuring a completed 2026–2027 catastrophe program with multi-year capacity materially lowers earnings volatility from hurricanes. Multi-year layers and FHCF support enhance solvency protection, underwriteable capacity and strategic ability to grow outside Florida with less capital strain.
Bears Say
Sharp Revenue Decline (TTM)A ~21% TTM revenue decline and margin compression signal weakening top-line scale and possible adverse mix or ceded premium effects. Persistent revenue contraction can erode underwriting leverage, limit investment income growth and make sustaining margins harder without consistent rate increases or product repricing.
Minimal Earned Premium Growth & Rising ExpensesNearly flat net premiums earned paired with a rising expense ratio reduces operating leverage. Higher acquisition and ceded premium costs can compress underwriting margins over time, making profitable growth more challenging absent sustained rate actions or improved expense efficiency.
Catastrophe Concentration & Balance-Sheet VolatilityHeavy exposure to catastrophe-prone regions (notably Florida) and material year-to-year asset/equity swings increase capital sensitivity. Even with reinsurance, geographic concentration and balance-sheet volatility raise reliance on reinsurers and elevate the risk that large events or reserve shifts strain capital over multiple underwriting cycles.
Universal Insurance Holdings News
5UI FAQ
What was Universal Insurance’s price range in the past 12 months?
Universal Insurance lowest stock price was €19.40 and its highest was €35.00 in the past 12 months.
What is Universal Insurance’s market cap?
Universal Insurance’s market cap is €899.79M.
When is Universal Insurance’s upcoming earnings report date?
Universal Insurance’s upcoming earnings report date is Jul 23, 2026 which is in 42 days.
How were Universal Insurance’s earnings last quarter?
Universal Insurance released its earnings results on Apr 23, 2026. The company reported €1.717 earnings per share for the quarter, beating the consensus estimate of €1.221 by €0.496.
Is Universal Insurance overvalued?
According to Wall Street analysts Universal Insurance’s price is currently Undervalued.
Does Universal Insurance pay dividends?
Universal Insurance does not currently pay dividends.
What is Universal Insurance’s EPS estimate?
Universal Insurance’s EPS estimate is 1.34.
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 €1.717 in its last earnings report, beating expectations of €1.221. Following the earnings report the stock price went up 6.204%.
Which hedge fund is a major shareholder of Universal Insurance?
Currently, no hedge funds are holding shares in DE:5UI
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:
€34.44 (17.16% Upside)
€34.44 (17.16% Upside)
Blogger Sentiment
Neutral
DE:5UI Sentiment 50%
Sector Average ―
Sector Average ―
Insider Transactions
Sold Shares
Worth €2.3M over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 99%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
41.75%
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., along with its subsidiaries, operates as a comprehensive integrated insurance holding company across the United States. The firm is responsible for crafting, promoting, and evaluating a diverse array of personal residential insurance products. These offerings encompass policies for homeowners, renters/tenants, condominium unit owners, and dwelling/fire, in addition to coverage for allied lines, other structures, personal belongings, liability, and specified personal articles. Beyond its core insurance functions, the company offers expertise in actuarial guidance, supervises its distribution networks, administers claims, manages policy administration and underwriting, and facilitates reinsurance negotiations. It also establishes and oversees reinsurance programs for its various insurance entities. Notably, Universal Insurance Holdings, Inc. operates Clovered.com, an online platform designed to provide consumers with comparative quotes from multiple carriers across several states, alongside educational content about homeowners' insurance. Its products reach customers through an extensive network of independent agents, as well as via Universal Direct. This proprietary online platform empowers homeowners to directly acquire, pay for, and finalize their homeowners' insurance policies. Originally incorporated in 1990 as Universal Heights, Inc., the company officially adopted the name Universal Insurance Holdings, Inc. in January 2001. Its main corporate office is situated in Fort Lauderdale, Florida.
5UI Company Deck
5UI 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 DE:5UI earnings summaries5UI Stock 12 Month Forecast
Average Price Target
€34.44
▲(17.16% Upside)
Technical Analysis
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Options Prices
Currently, No data available
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