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UVEUniversal Insurance Holdings, Inc.
$41.13$1.1B
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UVE logoUniversal Insurance Holdings, Inc.(UVE)Earnings, Financials & Key Ratios

UVE•NYSE•Insurance & Managed Care
$39.47
6.2× P/E·Price updated Jun 25, 2026
SectorFinancial ServicesIndustryProperty & Casualty InsuranceSub-IndustryPersonal auto and homeowners insurers
AboutUniversal 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.Show more
  • Revenue$1.6B+4.9%
  • Combined Ratio84.77%-10.2%
  • Net Income$183M+210.5%
  • Return on Equity39.59%+140.0%
  • Medical Cost Ratio61.79%-28.9%
  • Operating Margin15.23%+173.8%
  • Net Margin11.47%+195.9%
  • ROA6.44%+181.9%
  • Equity / Assets19.4%+47.7%

UVE Price & Volume

Universal Insurance Holdings, Inc. (UVE) stock price & volume — 10-year historical chart

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Florida Tort Reform Drives Underwriting Margin Recovery

Investment Thesis • Updated 2026Q1

VerdictNeutral
Growth:Stable
Profitability:Moderate
Financial:Adequate
Cash Flow:Improving
Primary Risk:Florida catastrophe exposure concentration

Key Thesis Takeaways

  • Universal Insurance Holdings is currently benefiting from a significant improvement in underwriting discipline, evidenced by a combined ratio that compressed from 104.7% in 2024Q3 to 81.7% in 2026Q1.
  • While the company has successfully navigated recent legislative tailwinds to stabilize its equity base at $584.7 million, top-line growth has decelerated to -0.9% as management prioritizes profitability over volume.
  • Investors should remain cautious regarding the firm's heavy reliance on third-party reinsurance, which may mask underlying catastrophe risk and pressure future margins if treaty pricing continues to harden.

Verdict Logic

while the stock trades at a compelling 6.51 P/E TTM, the inherent volatility of the Florida property market and the potential for future reinsurance cost spikes warrant a cautious approach despite the recent improvement in the combined ratio to 81.7%.

UVE Growth Metrics

Universal Insurance Holdings, Inc. (UVE) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years11.31%
5 Years8.26%
3 Years9.28%
TTM3.31%

Profit CAGR

10 Years5.56%
5 Years57.12%
3 Years-
TTM193.51%

EPS CAGR

10 Years7.84%
5 Years60.14%
3 Years-
TTM196.07%

Return on Capital

10 Years9.04%
5 Years8.61%
3 Years13.74%
Last Year16.76%

UVE Recent Earnings

Universal Insurance Holdings, Inc. (UVE) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 12/12 qtrs (100%)●Beat Revenue 11/12 qtrs (92%)
Q2 2026Latest
Apr 23, 2026
Metric
Actual
Est
EPS
$2.00+43.9%
$1.39
Rev
$507M+5.3%
$481M
Q1 2026
Feb 24, 2026
Metric
Actual
Est
EPS
$2.17+66.9%
$1.30
Rev
$484M-0.3%
$485M
Q4 2025
Oct 23, 2025
Metric
Actual
Est
EPS
$1.36+23.6%
$1.10
Rev
$401M+7.5%
$373M
Q3 2025
Jul 24, 2025
Metric
Actual
Est
EPS
$1.23+12.8%
$1.09
Rev
$400M+9.9%
$364M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 23, 2026
$2.00vs $1.39+43.9%
$507Mvs $481M+5.3%
Q1 2026Feb 24, 2026
$2.17vs $1.30+66.9%
$484Mvs $485M-0.3%
Q4 2025Oct 23, 2025
$1.36vs $1.10+23.6%
$401Mvs $373M+7.5%
Q3 2025Jul 24, 2025
$1.23vs $1.09+12.8%
$400Mvs $364M+9.9%
Based on last 12 quarters of dataView full earnings history →

Latest UVE News

Recent stock market news and headlines for Universal Insurance Holdings, Inc. (UVE)

Zacks Investment Research·Jun 17, 2026
Is Universal Insurance Holdings (UVE) Stock Undervalued Right Now?

Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.

Peers Comparison

Key metrics vs top competitors for Universal Insurance Holdings, Inc. (UVE)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
UVE logoUVEUniversal Insurance Holdings, Inc.Current
$39.47$1.1B6.254.94%11.47%39.59%1.95%
HCI logoHCIHCI Group, Inc.
$173.17$2.25B6.9620.21%32.64%30.81%—
HRTG logoHRTGHeritage Insurance Holdings, Inc.
$24.33$738.41M3.853.71%25.99%43.68%—
ALL logoALLThe Allstate Corporation
$231.60$59.62B6.064.64%18.09%42.74%—
TRV logoTRVThe Travelers Companies, Inc.
$318.29$67.68B11.605.17%15.54%24.14%—
CB logoCBChubb Limited
$330.82$128.31B12.866.47%18.48%14.49%—

Compare UVE vs Peers

Universal Insurance Holdings, Inc. (UVE) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs HCI

Most directly comparable listed peer for UVE.

Scale Benchmark

vs CB

Larger-name benchmark to compare UVE against a more recognizable public peer.

Peer Set

Compare Top 5

vs HCI, HRTG, ALL, TRV

UVE SEC Filings & Documents

Universal Insurance Holdings, Inc. (UVE) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Jun 18, 2026·SEC

Material company update

Jun 15, 2026·SEC

Material company update

Jun 5, 2026·SEC

10-K Annual Reports

3
FY 2026

Feb 27, 2026·SEC

FY 2025

Feb 28, 2025·SEC

FY 2024

Feb 28, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

Apr 29, 2026·SEC

FY 2025

Oct 30, 2025·SEC

FY 2025

Jul 30, 2025·SEC

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UVE Frequently Asked Questions

Universal Insurance Holdings, Inc. (UVE) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Universal Insurance Holdings, Inc. growing?

Universal Insurance Holdings, Inc. (UVE) grew revenue by 4.9% over the past year. Growth has been modest.

Is UVE profitable?

Yes, Universal Insurance Holdings, Inc. (UVE) is profitable, generating $195.8M in net income for fiscal year 2025 (11.5% net margin).

Dividend & Returns
Does UVE pay dividends?

Yes, Universal Insurance Holdings, Inc. (UVE) pays a dividend with a yield of 1.95%. This makes it attractive for income-focused investors.

What is UVE's return on equity?

Universal Insurance Holdings, Inc. (UVE) has a return on equity (ROE) of 39.6%. This is excellent, indicating efficient use of shareholder capital.

Industry Metrics
What is Universal Insurance Holdings, Inc.'s combined ratio?

Universal Insurance Holdings, Inc. (UVE) has a combined ratio of 84.8%. A ratio below 100% indicates underwriting profitability.

What if you invested $1,000 in UVE back in 1995?

Total return calculator · dividends reinvested · 31+ years of data

See returns →