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UNIVERSAL INSURANCE HOLDINGS INC UVE

Financial — Insurance Property & Casualty

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Insider Decisions

Total sells
10.96
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — — — — — — — —
Sell 2 2 3 — — 5 1 2 1 — 1 1
Insider Ownership
8.39%

Capital & Financial Ratios

Market Cap
1,240.00
Revenue
1,629.51
Net Income
182.95
Free Cash Flow
339.76
Net Debt
(502.94)
Current Ratio
0.57
Debt/Equity
0.15
P/E ratio
5.65
P/S ratio
0.75
P/B ratio
1.91
Past 5Y EPS Growth
8.18%
This Y EPS Growth
(21.77%)
Next Y EPS Growth
(2.06%)
Next 5Y EPS Growth
(3.91%)
in millions of $

Dividends

Payout Ratio
3.20
Annual Dividend Rate
0.64
Annual Dividend Yield
4.00%
total individual payouts
2026 0.48
—
—
—
2025 0.64
—
—
—
—
2024 0.64
—
—
—
—
2023 0.48
—
—
—
—
2022 0.64
—
—
—
—
2021 0.64
—
—
—
—
2020 0.64
—
—
—
—
2019 0.48
—
—
—
—
2018 0.60
—
—
—
—
2017 0.42
—
—
—
—
2016 0.56
—
—
—
—
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 399.94 262.08 477.84 600.80
Receivables 532.42 968.27 599.67 824.53
Inventory — — — —
Other — — — —
932.36 1,230.35 1,077.51 1,425.33
2023 2024 2025 Q'26
Payables 1,741.19 2,286.30 2,091.76 2,489.84
ST’ Debt 14.60 — — —
Other — — — —
1,755.78 2,286.30 2,091.76 2,489.84
in millions of $

Compound Annual Growth

10y 5y 3y
Sales ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Cash Flow ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Earnings ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡
Book Value ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡

Revenue

Mar Jun Sep Dec Year
’26 393.57 427.03 — —
—
’25 394.87 400.14 400.98 407.93
1,603.92
’24 367.96 380.21 387.55 384.81
1,520.54
’23 316.51 339.57 360.05 375.46
1,391.58
’22 287.48 292.01 312.81 330.36
1,222.66
’21 262.76 279.18 287.25 292.66
1,121.85
’20 235.28 252.70 311.67 273.13
1,072.77
in millions of $

Operating Cash Flow

Mar Jun Sep Dec Year
’26 154.82 101.08 — —
—
’25 186.77 106.22 62.42 26.08
381.49
’24 82.92 73.16 82.62 (101.34)
137.36
’23 (50.26) 51.66 69.23 0.34
70.97
’22 (27.08) 252.51 (2.27) 101.36
324.52
’21 61.27 195.86 16.86 (39.60)
234.38
’20 45.64 145.20 (17.30) (144.20)
29.35
in millions of $

Free Cash Flow

Mar Jun Sep Dec Year
’26 153.28 100.19 — —
—
’25 185.55 105.25 61.28 25.02
377.10
’24 79.67 71.68 80.97 (102.22)
130.10
’23 (50.94) 50.50 68.23 (0.80)
66.99
’22 (29.26) 250.90 (2.80) 100.88
319.71
’21 60.07 194.05 23.86 (41.38)
236.61
’20 40.95 139.71 (21.55) (146.79)
12.31
in millions of $

EPS

Mar Jun Sep Dec Year
’26 1.88 2.04 — —
—
’25 1.44 1.21 1.38 2.28
6.32
’24 1.14 1.21 (0.57) 0.21
2.01
’23 0.79 0.93 (0.20) 0.68
2.22
’22 0.56 0.24 (2.36) 0.82
(0.72)
’21 0.84 0.70 0.64 (1.54)
0.65
’20 0.61 0.62 (0.10) (0.57)
0.60

Target Price Range

High
‡‡‡‡‡
‡‡‡‡
Average
‡‡‡‡‡
‡‡‡‡
Low
‡‡‡‡‡
‡‡‡‡

Recommendation Rating

2
1
Buy
2
3
Hold
4
5
Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 8.39 10.17 15.78 18.72 — — —
Low Price
‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 19.64 20.15 23.39 35.84 — — —
High Price
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1,223 1,244 1,068 929 — — —
Employees
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.00 1.12 1.42 1.73 — — —
Revenue/Emp
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1,222.66 1,391.58 1,520.54 1,603.92 ‡‡‡‡‡ ‡‡‡‡‡ —
Revenue
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 23.25% 13.72% 13.14% 22.93% — — —
Gross Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (27.25) 88.35 84.61 243.07 — — —
EBT
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (2.23%) 6.35% 5.56% 15.15% ‡‡‡ ‡‡‡ —
EBT Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (22.26) 66.82 58.93 182.95 ‡‡‡‡‡ ‡‡‡‡‡ —
Net Income
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 16.12 14.58 10.58 7.78 — — —
Depreciation
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 39.76 46.65 53.36 57.51 ‡‡‡‡‡ ‡‡‡‡‡ —
Revenue/Sh
‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡ ‡‡‡‡ (0.72) 2.24 2.07 6.32 ‡‡‡‡ ‡‡‡ —
Earnings/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 10.55 2.38 4.82 13.68 — — —
Cash Flow/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (0.16) (0.13) (0.25) (0.16) ‡‡‡ ‡‡‡ —
Capex/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 10.40 2.25 4.57 13.52 — — —
Free CF/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 9.36 11.44 13.10 19.76 — — —
Book Value/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 30.75 29.83 28.50 27.89 ‡‡‡‡‡ ‡‡‡‡‡ —
Shares
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.00 7.28 10.27 5.25 ‡‡‡‡ ‡‡‡‡ —
PE Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.26 0.35 0.39 0.59 ‡‡‡ ‡‡‡ —
PS Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.09 1.42 1.61 1.71 ‡‡‡ ‡‡‡ —
PB Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.02 0.14 0.30 0.36 ‡‡‡‡ ‡‡‡‡ —
EV/Sales
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.09 3.00 3.49 1.52 — — —
EV/FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 324.52 70.97 137.36 381.49 ‡‡‡ ‡‡‡ —
Op' Cash Flow
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (4.80) (3.98) (7.26) (4.40) — — —
Capex
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 319.71 66.99 130.10 377.10 — — —
FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (869.92) (823.42) (1,055.96) (1,014.25) — — —
Working Cap'
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 102.77 116.60 101.24 100.48 — — —
Total Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (288.57) (283.34) (160.83) (377.36) — — —
Net Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 287.90 341.30 373.25 551.04 — — —
Sh' Equity
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (0.90%) 2.57% 2.28% 6.44% — — —
ROA
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.00% 102.31% 26.80% 89.78% — — —
ROIC
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (6.21%) 21.24% 16.49% 39.59% — — —
ROE
predictions in italic, sparklines do not include predictions

Analyst Commentary (Summary)

Universal Insurance Holdings Inc. (UVE), a Florida-focused property and casualty insurer, has achieved impressive revenue growth from $685 million in 2016 to $1.52 billion in 2024, with a CAGR over 10%, driven by expanding policies and rate hikes amid hurricane risks. However, profitability has eroded sharply, with gross margins halving to 28-29% due to surging claims costs, exemplified by the $22 million net loss from Hurricane Ian in 2022. Revenue per share surged 172% thanks to share buybacks, but liquidity strains persist with negative working capital at -$1.06 billion, and EPS remains volatile—from a 2017 peak of $3.36 to -$0.72 in 2022 before rebounding to $2.07 in 2024.

Looking ahead, analysts forecast revenues stabilizing at $1.55-1.57 billion through 2027, with a dramatic 2025 net income surge to $154 million (EPS $5.33), potentially lifting ROE above 20% if catastrophes are contained and Florida reforms hold. Valuation metrics scream value: forward PE at 5.9x, PS below 0.4x, and 28% upside to consensus targets, trading at a discount to historical multiples amid book value growth to $15.50.

Yet risks abound—heavy insider selling exceeding $10 million with no buys signals caution, while persistent low margins, hurricane exposure, and liquidity pressures could derail the rebound. UVE embodies the high-beta Florida insurance play: resilient top-line growth tethered to weather and regulation, offering tactical upside for patient investors but demanding hedges and close monitoring.

Read full commentary →

UNIVERSAL INSURANCE HOLDINGS INC (UVE) Latest News

News by impact score

Fine-tune

1 Sep

3 , 12:54 PM
Universal Insurance Holdings Inc reports boosted earnings driven by stronger underwriting results, premium growth and diversification initiatives. Core operational improvements in underwriting and premiums support UVE earnings growth and competitive stance without indicating transformative shifts.

25 Jul

3 , 10:09 PM
Universal Insurance Holdings (UVE) shares rose 6.9% after the company beat Q2 earnings estimates and completed its share buyback program, prompting questions on whether the bull case remains intact. Q2 earnings beat and buyback completion delivered a short-term stock lift without evidence of lasting shifts in operations or competitive position.

3 , 4:07 PM
UVE reported Q2 earnings and launched a share buyback, with analysis questioning if the stock remains undervalued relative to results and capital return plans. Q2 earnings release combined with buyback directly shapes near-term valuation perceptions and capital allocation signals for UVE.

24 Jul

3 , 5:02 PM
UVE reported strong financial results in its Q2 2026 earnings call. Strong Q2 2026 earnings results are likely to influence short-term investor sentiment and stock movement.

3 www.marketbeat.com, 2:02 PM
Universal Insurance Holdings Inc released Q2 earnings call highlights covering financial results, operational metrics and forward outlook for the insurer. Quarterly earnings data offers moderate insight into near-term financial trajectory and investor sentiment.

3 , 10:19 AM
UVE reported Q2 earnings exceeding estimates driven by lower losses and premium growth. Q2 earnings beat combined with premium growth points to improved financial results likely to influence near-term stock performance.

3 app.moby.co, 8:30 AM
Universal Insurance Holdings, Inc. conducted its Q2 2026 earnings call covering financial performance, operational results, and forward outlook for the insurance business. Q2 earnings call delivers financial metrics and guidance that can shift near-term investor views on UVE without guaranteeing major strategic overhaul.

23 Jul

3 , 4:10 PM
Universal Insurance Holdings Inc. reported its second quarter 2026 financial results including revenue, net income, and key operational metrics. Quarterly earnings provide updated financial metrics that can shift short-term investor views on performance.

28 May

3 Business Wire, 4:10 PM
Universal Insurance Holdings Inc's insurance subsidiaries completed their 2026-2027 reinsurance program. Completing the reinsurance program secures multi-year risk coverage and supports operational stability for Universal Insurance Holdings Inc.

30 Apr

4 Business Wire, 5:44 PM
KBRA assigned an issuer rating to Universal Insurance Holdings Inc. (UVE) and preliminary ratings to its senior unsecured note offering. Ratings from KBRA enable UVE's debt financing, potentially improving capital access and market perception.

27 Apr

4 www.marketbeat.com, 5:36 PM
Universal Insurance Holdings Inc. (UVE) Q1 earnings call highlights key financial results, operational updates, and forward guidance. Q1 earnings call highlights reveal financial performance, strategic initiatives, and outlook that significantly influence UVE's trajectory and investor sentiment.

3 Simply Wall St., 10:04 AM
Universal Insurance Holdings, Inc. beat analyst forecasts, leading analysts to update their predictions. Beating analyst forecasts positively influences financial performance and market sentiment without fundamentally altering long-term trajectory.

25 Apr

4 GuruFocus.com, 3:04 AM
Universal Insurance Holdings Inc (UVE) reported strong growth in Q1 2026 earnings call highlights. Strong Q1 2026 growth highlights signal significant positive impact on UVE's financial trajectory and investor sentiment.

24 Apr

4 app.moby.co, 8:30 AM
Universal Insurance Holdings, Inc. (UVE) Q1 2026 earnings call summary details quarterly financial performance, operational updates, and management's outlook. Q1 earnings call summaries disclose key financial metrics, guidance, and strategic insights that significantly influence stock price and future performance.

23 Apr

4 Zacks, 5:55 PM
Universal Insurance Holdings (UVE) surpassed Q1 earnings and revenue estimates. Surpassing Q1 earnings and revenue estimates boosts investor sentiment and signals strong financial performance, significantly impacting future market trajectory.

4 Business Wire, 4:10 PM
Universal Insurance Holdings Inc. (UVE) reported first quarter 2026 results. Quarterly earnings reports like Q1 2026 results typically drive significant shifts in stock performance and investor sentiment for UVE.

25 Mar

4 Zacks, 1:49 PM
Florida's insurance market reset by 2026 casts doubt on its success for Universal Insurance Holdings Inc (UVE), amid ongoing challenges in the state's volatile property insurance sector. Florida's 2026 insurance reset introduces major regulatory and market shifts that could profoundly impact UVE's operations and investor sentiment.

4 Zacks, 1:23 PM
Florida insurance reforms are set to influence Universal Insurance Holdings Inc. (UVE) earnings in 2026, with analysis projecting potential shifts in profitability and operational dynamics. Florida reforms represent major regulatory changes directly impacting UVE's core insurance operations and 2026 earnings trajectory.

13 Mar

4 Business Wire, 12:23 PM
AM Best removes One Alliance North America Insurance Company from under review with negative implications and affirms its credit ratings. Lifting negative review status and affirming credit ratings bolsters subsidiary stability, reinsurance access, and investor confidence for UVE.

4 Mar

4 Simply Wall St., 11:09 AM
Universal Insurance Holdings (UVE) shares jumped 12.8% following an earnings rebound and a new $20 million share buyback authorization, raising questions about whether the bull case has strengthened. Earnings rebound and $20M buyback signal improved financials and shareholder value focus, likely boosting investor sentiment and stock trajectory.

2 Mar

4 GuruFocus.com, 8:01 PM
Universal Insurance Holdings Inc (UVE) reported record earnings in Q4 2025 earnings call, driven by strong premium growth, improved underwriting results, and robust financial performance amid favorable market conditions. Record Q4 2025 earnings represent a major financial milestone boosting UVE's trajectory and investor sentiment.

28 Feb

4 www.marketbeat.com, 11:09 PM
Universal Insurance Holdings Inc. (UVE) Q4 earnings call highlights key financial performance, strategic initiatives, and forward guidance for investors. Q4 earnings call highlights reveal critical financial results and outlook that significantly shape investor expectations and company trajectory.

25 Feb

4 app.moby.co, 8:30 AM
Universal Insurance Holdings, Inc. (UVE) released Q4 2025 earnings call summary detailing financial results, operational updates, and future outlook. Q4 2025 earnings disclosure reveals key financial metrics and strategic guidance directly impacting UVE's valuation and market trajectory.

24 Feb

4 Zacks, 10:45 PM
Universal Insurance Holdings Inc (UVE) reported Q4 earnings and revenues that surpassed analyst estimates. Q4 earnings and revenues beating estimates indicates strong financial performance likely to enhance investor sentiment and stock trajectory.

4 Associated Press Finance, 5:12 PM
Universal Insurance Holdings Inc. (UVE) released its Q4 earnings snapshot. Q4 earnings snapshots significantly influence investor sentiment and stock performance due to direct financial reporting.

4 Business Wire, 4:10 PM
Universal Insurance Holdings Inc (UVE) reported fourth quarter 2025 results. Q4 2025 earnings disclosure reveals critical financial metrics shaping UVE's trajectory and market perception.

17 Feb

3 Zacks, 10:00 AM
Universal Insurance Holdings (UVE) earnings expected to grow amid analysis questioning if investors should buy the stock. Expected earnings growth signals moderate positive impact on UVE's financial performance and investor sentiment.

8 Feb

3 Simply Wall St., 7:32 AM
Universal Insurance Holdings Inc. (NYSE: UVE) has announced a dividend payout of $0.16 per share. This dividend will be distributed to shareholders on a specified date, reflecting the company's ongoing commitment to returning value to its investors. The decision to issue a dividend indicates a stable financial position and may enhance investor confidence in the company's performance. The dividend payout suggests a stable financial position, which may positively influence investor sentiment but is not expected to significantly alter the company's trajectory.

29 Jan

4 Simply Wall St., 12:35 PM
Universal Insurance Holdings Inc (UVE) is highlighted as one of three undervalued stocks in the U.S. market, showcasing its potential for growth amid a competitive landscape. The company is noted for its strong fundamentals, including a solid balance sheet and consistent revenue generation. Analysts suggest that UVE's strategic initiatives and market positioning could lead to significant upside for investors. The article emphasizes the importance of recognizing undervalued assets in the current market environment, positioning UVE as a compelling investment opportunity. UVE's recognition as an undervalued stock indicates potential for significant growth and shifts in investor sentiment.

26 Jan

4 Simply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.MT NewswiresSimply Wall St.Simply Wall St.Simply Wall St., 5:51 AM
Investing in Universal Insurance Holdings Inc (NYSE: UVE) three years ago would have yielded a remarkable 168% gain, highlighting the company's strong performance and growth potential in the insurance sector. The stock's impressive return reflects effective management strategies and favorable market conditions that have contributed to its upward trajectory. Investors who recognized the company's value early on have significantly benefited from their investment, showcasing UVE's resilience and ability to capitalize on opportunities within the industry. The substantial gain over three years indicates a significant positive shift in the company's market position and investor sentiment.
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