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UNIVERSAL INSURANCE HOLDINGS INC

UVE Financial Insurance Property & Casualty

UNIVERSAL INSURANCE HOLDINGS INC’s revenue for fiscal 2025 (year ended December 2025) was $1.6 billion, up 5.48% from fiscal 2024. In the quarter to June 2026, revenue grew 6.72%, EPS grew 71.2%, free cash flow fell 4.81% and total debt fell 2.98%, each against the same quarter a year earlier. Revenue growth for ten consecutive years.

47.09 0.25 +0.53%
Market cap
$1.3B
P/E
6.0×
Fwd P/E
8.1×
Dividend yield
1.36%
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total sells 9.22
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — — — — — — — — — —
Sell 2 3 — — 5 1 2 1 — 1 1 —
Insider Ownership 8.32%

Capital & Financial Ratios $m

Market Cap 1,300.00
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 6.03
Fwd P/E 8.06
P/S ratio 0.80
P/B ratio 2.04
Past 5Y EPS Growth 60.14% (at or above 15%: strong)
This Y EPS Growth (1.13%) (below 0%: weak)
Next Y EPS Growth (22.51%) (below 0%: weak)
Next Y revenue growth (0.68%) (below 0%: weak)
Next 5Y EPS Growth (3.91%) (below 0%: weak)

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 13.18%
10-year low 10-year high
P/S against its own 10 years 61.41%
10-year low 10-year high
P/B against its own 10 years 75.53%
10-year low 10-year high

Dividends

Payout Ratio 0.08
Annual Dividend Rate 0.64
Annual Dividend Yield 1.36%
total individual payouts
2026 0.48
0.16
0.16
0.16
2025 0.64
0.16
0.16
0.16
0.16
2024 0.64
0.16
0.16
0.16
0.16
2023 0.48
0.16
0.16
0.16
0.13
2022 0.64
0.16
0.16
0.16
0.16
2021 0.64
0.16
0.16
0.16
0.16
2020 0.64
0.16
0.16
0.16
0.16
2019 0.48
0.16
0.16
0.16
0.13
2018 0.60
0.14
0.14
0.16
0.16
2017 0.42
0.14
0.14
0.14
0.13
2016 0.56
0.14
0.14
0.14
0.14
special payouts not included in total or ratios

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 400 262 478 601
Receivables 532 968 600 825
Inventory — — — —
Other — — — —
932 1,230 1,078 1,425
2023 2024 2025 Q'26
Payables 1,741 2,286 2,092 2,490
ST’ Debt 15 — — —
Other — — — —
1,756 2,286 2,092 2,490

Compound Annual Growth %

10y 5y 3y
Sales 11.37% 8.38% 9.47%
Cash Flow 5.69% 67.03% 5.54%
Earnings 5.56% 57.14% 0.00%
Book Value 6.52% 4.17% 24.16%

Revenue $m

Mar Jun Sep Dec Year
’26 394 427 — — —
’25 395 400 401 408 1,604
’24 368 380 388 385 1,521
’23 317 340 360 375 1,392
’22 287 292 313 330 1,223
’21 263 279 287 293 1,122
’20 235 253 312 273 1,073
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 155 101 — — —
’25 187 106 62 26 381
’24 83 73 83 (101) 137
’23 (50) 52 69 0 71
’22 (27) 253 (2) 101 325
’21 61 196 17 (40) 234
’20 46 145 (17) (144) 29
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 153 100 — — —
’25 186 105 61 25 377
’24 80 72 81 (102) 130
’23 (51) 51 68 (1) 67
’22 (29) 251 (3) 101 320
’21 60 194 24 (41) 237
’20 41 140 (22) (147) 12
Fiscal quarters ending in the months shown.

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
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 15.86 15.08 26.75 23.57 10.84 12.62 8.39 10.17 15.78 18.72

Analyst estimates 2026–2028

Powerpack
High 28.60 29.20 50.50 40.92 28.11 17.47 19.64 20.15 23.39 35.84
People
People Employees 483 558 734 805 909 1,047 1,223 1,244 1,068 929
Revenue/emp, $m 1.42 1.35 1.12 1.17 1.18 1.07 1.00 1.12 1.42 1.73
Income, $m
Income, $m Revenue 685 752 824 939 1,073 1,122 1,223 1,392 1,521 1,604
Gross margin, % 56.04 53.40 49.69 35.76 29.27 30.54 23.25 13.72 13.14 22.93
EBT 163 170 153 64 24 28 (27) 88 85 243
EBT margin, % 23.77 22.67 18.56 6.76 2.26 2.53 (2.23) 6.35 5.56 15.15
Net income 99 107 117 47 19 20 (22) 67 59 183
Depreciation 7 8 6 7 10 17 16 15 11 8
Per share, $
Per share, $ Revenue 19.63 21.58 23.63 27.72 33.65 35.94 39.76 46.65 53.36 57.51
Earnings 2.85 3.07 3.36 1.37 0.60 0.65 (0.72) 2.24 2.07 6.32
Cash flow 3.48 7.03 6.60 2.50 0.92 7.51 10.55 2.38 4.82 13.68
Capex (0.23) (0.13) (0.19) (0.33) (0.53) 0.07 (0.16) (0.13) (0.25) (0.16)
Free cash flow 3.24 6.90 6.41 2.16 0.39 7.58 10.40 2.25 4.57 13.52
Book value 10.63 12.63 14.39 14.57 14.09 13.76 9.36 11.44 13.10 19.76
Shares, m 35 35 35 34 32 31 31 30 28 28
Valuation, ×
Valuation, × P/E 10.09 8.89 11.32 21.53 26.51 25.76 0.00 7.28 10.27 5.25
P/S 1.47 1.27 1.60 1.01 0.45 0.47 0.26 0.35 0.39 0.59
P/B 2.70 2.16 2.63 1.92 1.07 1.24 1.09 1.42 1.61 1.71
EV/Sales 1.33 1.04 1.54 0.92 0.34 0.36 0.02 0.14 0.30 0.36
EV/FCF 8.05 3.26 5.67 11.79 30.03 1.72 0.09 3.00 3.49 1.52
Cash, $m
Cash, $m Operating cash flow 121 245 230 85 29 234 325 71 137 381
Capex (8) (5) (7) (11) (17) 2 (5) (4) (7) (4)
Free cash flow 113 240 223 73 12 237 320 67 130 377
Balance, $m
Balance, $m Working capital (349) (369) (510) (556) (602) (728) (870) (823) (1,056) (1,014)
Total debt 15 50 114 100 68 130 103 117 101 100
Net debt (93) (167) (55) (84) (112) (123) (289) (283) (161) (377)
Shareholders’ equity 371 440 502 494 449 430 288 341 373 551
Returns, %
Returns, % ROA 9.68 8.50 7.06 2.60 1.10 1.07 (0.90) 2.57 2.28 6.44
ROIC 36.64 38.97 21.38 9.69 4.51 5.91 0.00 102.31 26.80 89.78
ROE 29.93 26.36 24.86 9.34 4.05 4.64 (6.21) 21.24 16.49 39.59
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

UNIVERSAL INSURANCE HOLDINGS INC vs peers in Insurance Property & Casualty (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
KMPR Kemper Corporation $1.7B — (loss-making) 14.6× −10.84% (below 0%: shrinking) n/m −76.71% (below 0%: shrinking) 0.17% (41.92%) Compare
STC Stewart Information Services Corporation $1.6B 11.5× 12.3× +24.52% (above 0%: growing) +7.08% (above 0%: growing) −12.37% (below 0%: shrinking) 64.98% 9.41% Compare
SAFT Safety Insurance Group, Inc. $1.5B 22.4× — (loss-making) +2.95% (above 0%: growing) +21.03% (above 0%: growing) +16.88% (above 0%: growing) 14.33% 13.69% Compare
UFCS United Fire Group, Inc $1.4B 10.5× 10.8× +14.38% (above 0%: growing) +48.28% (above 0%: growing) −34.70% (below 0%: shrinking) 33.66% 11.76% Compare
UVE UNIVERSAL INSURANCE HOLDINGS INC $1.3B 6.0× 8.1× +6.72% (above 0%: growing) +71.20% (above 0%: growing) −4.81% (below 0%: shrinking) 26.79% 19.11%
ASIC Ategrity Specialty Insurance Company Holdings $1.3B 12.3× 10.2× +45.89% (above 0%: growing) +75.00% (above 0%: growing) +47.83% (above 0%: growing) 31.87% 31.28% Compare
TRUP Trupanion, Inc. $1.2B 52.1× 40.6× +11.14% (above 0%: growing) −27.27% (below 0%: shrinking) +59.01% (above 0%: growing) 16.58% 1.62% Compare
BOW Bowhead Specialty Holdings Inc. $1.1B 18.5× 12.9× +22.96% (above 0%: growing) +33.33% (above 0%: growing) −13.86% (below 0%: shrinking) 29.19% 13.09% Compare
HRTG Heritage Insurance Holdings, Inc. $1.1B 5.1× 5.1× +2.96% (above 0%: growing) +32.90% (above 0%: growing) +237.57% (above 0%: growing) 50.25% 39.15% Compare
Median of peers $1.4B 12.3× 12.3× +12.76% +32.90% +2.26% 30.53% 12.43%

All 45 Insurance Property & Casualty stocks →

UNIVERSAL INSURANCE HOLDINGS INC (UVE) key facts

  • Strength: UNIVERSAL INSURANCE HOLDINGS INC’s revenue for fiscal 2025 (year ended December 2025) was $1.6 billion, up 5.48% from fiscal 2024.
  • Strength: Net income was $183.0 million, or $6.32 per share (basic), a net margin of 11.4%.
  • UNIVERSAL INSURANCE HOLDINGS INC (UVE) is an Insurance Property & Casualty company in the Financial sector, listed on the New York Stock Exchange.
  • As of October 16, 2026, UVE traded at $47.09, a market capitalization of $1.3 billion.
  • At that price the stock trades at 6.0× trailing-twelve-month earnings and 0.8× sales; its P/E is higher than 13% of its own readings over the past ten years.
  • UNIVERSAL INSURANCE HOLDINGS INC pays an annual dividend of $0.64 per share, a yield of 1.36%, with a payout ratio of 8.44%.
  • Return on equity was 39.6% and debt-to-equity 0.15.
  • Its Piotroski F-score is 7 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

UNIVERSAL INSURANCE HOLDINGS INC (UVE) Latest News

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stockrow.com/UVE · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com