5UI Stock Chart & Stats
€38.60
€0.80(2.12%)
At close: 4:00 PM EDT
€38.60
€0.80(2.12%)
Day’s Range― - ―
52-Week Range€19.70 - €38.60
Previous CloseN/A
Volume0.00
Average Volume (3M)0.00
Market Cap
€1.08B
Enterprise Value€1.30K
Total Cash (Recent Filing)€740.55M
Total Debt (Recent Filing)€100.29M
Price to Earnings (P/E)11.6
Beta0.26
Next Earnings
Oct 22, 2026EPS Estimate
0.03Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)7.02
Shares Outstanding27,911,118
10 Day Avg. Volume0
30 Day Avg. Volume0
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
€39.43Price Target Upside2.15% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)4.06
Revenue Forecast (FY)€1.96B
Bulls Say, Bears Say
Bulls Say
High Cash GenerationSustained operating and free cash flow at scale, with FCF roughly equal to net income, indicates high earnings quality and internal funding for reinsurance, reserves, dividends and share repurchases, reducing reliance on external capital across underwriting cycles.
Strong Underwriting Returns And MarginsHigh adjusted ROE and a sub-100 combined ratio reflect durable underwriting discipline and pricing power. Improved loss trends and margin recovery suggest sustainable profitability if management maintains rate adequacy and reserve discipline across policy cycles.
Multi-state Diversification And Strengthened ReinsuranceExpanding multi-state premiums alongside an enlarged, partially multi-year reinsurance program reduces concentration and frequency risk. Multi-year capacity and diversification support capital stability and underwriting capacity over multiple seasons.
Bears Say
Sharp Recent Revenue DeclineA marked TTM revenue drop signals potential underwriting contraction or adverse pricing/mix. If persistent, scale erosion can pressure fixed-cost absorption, limit reinsurance buying power and make it harder to sustain margin and growth over the next several quarters.
Catastrophe Exposure And Reinsurance SensitivityProperty P&C economics hinge on catastrophe frequency and reinsurance markets. Severe events or tighter reinsurance pricing materially raise loss volatility and capital strain, making underwriting results and returns cyclical and sensitive to external market conditions.
Balance-sheet VolatilityMaterial swings in assets and equity increase capital volatility and complicate long-term planning. For insurers this can force reserve adjustments, constrain dividends or trigger capital raises when adverse events or reserve developments occur.
Universal Insurance Holdings News
5UI FAQ
What was Universal Insurance Holdings Inc’s price range in the past 12 months?
Universal Insurance Holdings Inc lowest stock price was €19.70 and its highest was €38.60 in the past 12 months.
What is Universal Insurance Holdings Inc’s market cap?
Universal Insurance Holdings Inc’s market cap is €1.08B.
When is Universal Insurance Holdings Inc’s upcoming earnings report date?
Universal Insurance Holdings Inc’s upcoming earnings report date is Oct 22, 2026 which is in 84 days.
How were Universal Insurance Holdings Inc’s earnings last quarter?
Universal Insurance Holdings Inc released its earnings results on Jul 23, 2026. The company reported €1.618 earnings per share for the quarter, beating the consensus estimate of €1.42 by €0.198.
Is Universal Insurance Holdings Inc overvalued?
According to Wall Street analysts Universal Insurance Holdings Inc’s price is currently Undervalued.
Does Universal Insurance Holdings Inc pay dividends?
Universal Insurance Holdings Inc does not currently pay dividends.
What is Universal Insurance Holdings Inc’s EPS estimate?
Universal Insurance Holdings Inc’s EPS estimate is 0.03.
How many shares outstanding does Universal Insurance Holdings Inc have?
Universal Insurance Holdings Inc has 27,911,118 shares outstanding.
What happened to Universal Insurance Holdings Inc’s price movement after its last earnings report?
Universal Insurance Holdings Inc reported an EPS of €1.618 in its last earnings report, beating expectations of €1.42. Following the earnings report the stock price went up 0.61%.
Which hedge fund is a major shareholder of Universal Insurance Holdings Inc?
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
Outperform
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Hold
Average Price Target:
€39.43 (2.15% Upside)
€39.43 (2.15% Upside)
Blogger Sentiment
Bullish
DE:5UI Sentiment 60%
Sector Average 58%
Sector Average 58%
Insider Transactions
Sold Shares
Worth $2.6M over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
72.12%
12-Months-Change
Fundamentals
Return on Equity
1.73%
Trailing 12-Months
Asset Growth
13.85%
Trailing 12-Months
Company Description
Universal Insurance Holdings Inc
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.
5UI Earnings Call
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call was largely positive: the company reported strong profitability (33.2% adjusted ROE), sizable EPS improvement (~49.6%), steady top-line premium and revenue growth, and meaningful underwriting improvement (combined ratio down 6.2 pts, loss ratio down 7.5 pts). Favorable developments in Florida (legislative reforms), improved reinsurance pricing, and robust growth outside Florida underpin expectations for sustained profitable growth. Offsetting items are modest: a 1.3-pt rise in the net expense ratio driven by acquisition costs, relatively muted Florida premium growth (+0.8%), and a limited remaining buyback authorization. Overall, highlights materially outweigh the lowlights.View all DE:5UI earnings summaries5UI Stock 12 Month Forecast
Average Price Target
€39.43
▲(2.15% Upside)
Technical Analysis
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