Universal Insurance Holdings (5UI) Stock Price & Analysis
5UI Stock Chart & Stats
- Day’s Range
- EUR 41.20 - EUR 43.00
- 52-Week Range
- EUR 24.20 - EUR 43.40
- Previous Close
- EUR 42.20
- Volume
- 0
- Average Volume (3M)
- 0
- Market Cap
- EUR 1.20B
- Enterprise Value
- EUR 1.33B
- Total Cash (Recent Filing)
- EUR 2.23B
- Total Debt (Recent Filing)
- EUR 97.34M
- Price to Earnings (P/E)
- 5.8
- Beta
- 0.16
- Next Earnings
- Feb 25, 2027 (Est.)
- EPS Estimate
- 0.32
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 1.62%
Bulls Say, Bears Say
Bulls Say
Improved Profitability
The sharp improvement in profitability indicates stronger underwriting and operating performance than in earlier periods. If maintained, these margins can support capital accumulation, fund policy growth, and improve resilience against normal claims variability over the next several quarters.
Organic Policy And Revenue Growth
Growth in policies, core revenue, and earned premiums shows expanding business volume across the company’s multi-state platform. Management’s focus on niches with rate adequacy suggests growth is being pursued selectively, which can make expansion more durable than volume growth alone.
Conservative Balance Sheet And Cash Conversion
Low leverage gives the insurer greater financial flexibility when claims or reinsurance conditions become unfavorable. Strong recent conversion of earnings into free cash flow also supports capitalization, policy growth, dividends, and other capital allocation without relying heavily on debt.
Bears Say
Catastrophe-driven Earnings Volatility
Residential property underwriting can produce materially uneven results because catastrophe losses may quickly overwhelm otherwise sound margins. The company’s recent rebound therefore remains exposed to weather-driven claims variability, making earnings sustainability less certain across future periods.
Florida Premium Contraction
The Florida decline indicates that growth is not uniform across the company’s market footprint and may constrain expansion in a core operating area. Stronger performance elsewhere offsets the weakness, but sustained contraction would reduce premium scale and could pressure operating leverage.
Higher Operating Expense Ratio
A rising expense ratio means more premium revenue is being consumed by acquisition and operating costs, limiting the benefit of premium growth. If cost increases persist as the company expands outside Florida, they could reduce underwriting margin and weaken the sustainability of recent profitability gains.
Universal Insurance Holdings News
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Universal Insurance Holdings Stock Smart Score
Company Description
Universal Insurance Holdings
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.
- Sector
- Financial
- Industry
- Insurance - Property & Casualty
- CEO
- Stephen J. Donaghy
- Employees
- 929
- Website
- www.universalinsuranceholdings.com
- Address
- 1110 West Commercial Boulevard, Fort Lauderdale, FL, 33309, US
Universal Insurance Holdings (5UI) Earnings & Revenues
5UI Earnings Call
Earnings Call SentimentPositive
The call was strongly positive, with substantial earnings, revenue, premium, policy growth, and underwriting improvement, alongside a 32.7% annualized return on common equity and continued shareholder returns. The main challenges were the 3.3% decline in Florida direct premiums written, a modest 0.2-point increase in the net expense ratio, and the post-quarter Hurricane Isaias event, which management described as manageable based on claims activity to date.
View all DE:5UI earnings summaries5UI Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 12 | 5 | 5 |
| Technical Analysis | 5 | 5 | 0 |
| Moving Averages | 7 | 0 | 5 |