Universal Insurance (UVE)
NYSE:UVE
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UVE Stock Chart & Stats
$35.58
-$0.19(-0.94%)
At close: 4:00 PM EST
$35.58
-$0.19(-0.94%)
Day’s Range― - ―
52-Week Range$21.96 - $41.96
Previous CloseN/A
Volume19.60K
Average Volume (3M)218.78K
Market Cap
$1.01B
Enterprise Value$537.79M
Total Cash (Recent Filing)$740.55M
Total Debt (Recent Filing)$100.29M
Price to Earnings (P/E)5.2
Beta0.34
Next Earnings
Jul 23, 2026EPS Estimate
1.57Next Dividend Ex-DateN/A
Dividend Yield2.18%
Share Statistics
EPS (TTM)7.02
Shares Outstanding27,911,118
10 Day Avg. Volume165,958
30 Day Avg. Volume218,782
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 Cap0.53
Enterprise Value/Revenue0.34
Enterprise Value/Gross Profit1.06
Enterprise Value/Ebitda1.97
Forecast
1Y Price Target
$40.00Price Target Upside12.42% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)4.63
Revenue Forecast (FY)$2.20B
Bulls Say, Bears Say
Bulls Say
Strong Cash GenerationHigh and consistent cash generation (TTM OCF ~$350M, FCF ~$345M, FCF ≈99% of net income) implies underwriting profits convert to cash, supporting capital returns, reinsurance funding and reserves. This durable cash conversion underpins financial flexibility and reduces reliance on external financing over the medium term.
Very Strong ROE & Underwriting ImprovementSustained high adjusted ROE and materially improved combined and loss ratios indicate disciplined underwriting, effective pricing and claims management. These structural improvements tend to persist through underwriting cycles if maintained, supporting durable profitability and internal capital generation.
Expanded Multiyear Reinsurance ProtectionA strengthened, partially multi-year reinsurance tower and added $352M capacity reduce earnings volatility from multiple catastrophic events and support capital stability. Durable reinsurance relationships and extended coverage lower tail risk and permit measured growth in catastrophe-prone markets.
Bears Say
Top-line Growth WeaknessA pronounced TTM revenue decline and minimal net premiums earned growth reflect constrained premium momentum and potential market or retention challenges. Over months this can limit scale economics, constrain investment income growth from float, and reduce room for expense leverage absent sustained premium recovery.
Rising Expense RatioAn increasing net expense ratio, driven by higher ceded premiums and acquisition costs, compresses underwriting margins even with improved loss experience. If expense pressures persist, they erode the sustainability of underwriting profits and require higher rate or retention discipline to maintain returns.
Balance-sheet Volatility & Catastrophe SensitivityMaterial year-to-year asset and equity swings, combined with concentration in catastrophe-exposed markets, create sensitivity to underwriting results and investment mark-to-market moves. This structural volatility can strain capital ratios and force reactive reinsurance, rate or reserve actions during adverse catastrophe periods.
Universal Insurance Holdings News
UVE FAQ
What was Universal Insurance’s price range in the past 12 months?
Universal Insurance lowest stock price was $21.96 and its highest was $41.96 in the past 12 months.
What is Universal Insurance’s market cap?
Universal Insurance’s market cap is $1.01B.
When is Universal Insurance’s upcoming earnings report date?
Universal Insurance’s upcoming earnings report date is Jul 23, 2026 which is in 49 days.
How were Universal Insurance’s earnings last quarter?
Universal Insurance released its earnings results on Apr 23, 2026. The company reported $2 earnings per share for the quarter, beating the consensus estimate of $1.422 by $0.578.
Is Universal Insurance overvalued?
According to Wall Street analysts Universal Insurance’s price is currently Undervalued.
Does Universal Insurance pay dividends?
Universal Insurance pays a Notavailable dividend of $0.29 which represents an annual dividend yield of 2.18%. See more information on Universal Insurance dividends here
What is Universal Insurance’s EPS estimate?
Universal Insurance’s EPS estimate is 1.57.
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 $2 in its last earnings report, beating expectations of $1.422. Following the earnings report the stock price went up 12.223%.
Which hedge fund is a major shareholder of Universal Insurance?
Currently, no hedge funds are holding shares in UVE
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:
$40.00 (12.42% Upside)
$40.00 (12.42% Upside)
Blogger Sentiment
Neutral
UVE Sentiment 50%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 25.0K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $2.7M over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Positive
Last 7 Days ▼ 3.8%
Last 30 Days ▲ 6.4%
Last 30 Days ▲ 6.4%
News Sentiment
Very Bullish
Bullish news 99%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
31.37%
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., together with its subsidiaries, operates as an integrated insurance holding company in the United States. The company develops, markets, and underwrites insurance products for personal residential insurance, such as homeowners, renters/tenants, condo unit owners, and dwelling/fire; and offers 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; places and manages reinsurance programs for the insurance entities; and operates Clovered.com, an online platform in which consumers receive side-by-side quotes from various carriers across multiple states, as well as educational materials about homeowners' insurance policies. It offers its products through a network of independent agents, as well as Universal Direct, a direct-to-consumer online platform, which enables homeowners to directly purchase, pay for, and bind homeowners' policies. 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.
UVE Company Deck
UVE 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 UVE earnings summariesUVE Stock 12 Month Forecast
Average Price Target
$40.00
▲(12.42% Upside)
Technical Analysis
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Ownership Overview
9.18% Insiders
18.74% Mutual Funds
13.94% Other Institutional Investors
39.91% Public Companies and
Individual Investors