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UVEUniversal Insurance Holdings, Inc.
$43.13$1.2B
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
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Analyst TargetsPrice History
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UVE logo

Universal Insurance Holdings, Inc.

UVE
NYSE · Property & Casualty Insurance
$43.13
At close - Oct 1, 4:00 PM EDT - USD
Market Cap$1.2B
P/E6.8x
52W High$45.15
Volume124.08K
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q2

Underwriting Turnaround Drives Strong Cash Generation

Universal Insurance Holdings has executed a remarkable underwriting turnaround, with the combined ratio improving from 104.7% in 2024Q3 to 81.3% in 2026Q2, driving EPS growth of 68.6% year-over-year in 2026Q2. The company benefits from accelerating premium gro...

GrowthAccelerating
ProfitabilityStrong
ValuationAttractive
TechnicalsStrong
Explore valuation models
MARKET ACTION

UVE price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

12/12 Beats

EPS beat 12 of last 12 quarters

02

Valuation risk

-39% Peers

P/E is 39% below peer median

03

Market leadership

RS 78 · Avg

Average momentum (RS Rating: 78)

04

Strong Uptrend

Strong Trend

Price > 20DMA > 50DMA > 200DMA

Next CatalystEstimated earnings · Oct 23

Market performance

Price History →

Trailing total returns as of 10/2/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
UVE+37.53%
S&P 500 (^GSPC)+11.83%
1-Year Return
UVE+70.16%
S&P 500 (^GSPC)+14.29%
3-Year Return
UVE+232.89%
S&P 500 (^GSPC)+83.91%
5-Year Return
UVE+261.94%
S&P 500 (^GSPC)+81.48%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y Low
7.0x
Forward P/E
8.9x
EV/EBITDA50th %ile
3.7x
FCF YieldCash Flow
30.8%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
7.0x
10.5x
25th· Low
EV/EBITDA
3.7x
5.1x
50th· Fair
Price/FCF
3.2x
2.6x
60th· Fair
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
Bear$61.34+42.2%
Base (Fair)$106.13+151.9%
Bull$162.98+277.9%
$61.34 Bear$106.13 Base$162.98 Bull
Current Market Price: $43.13
Trades at a 59.4% discount to Base DCF ($106.13)
Open DCF & Valuation Models →Chart Terminal ↗

Growth & profitability

Annual revenue & EPS trend
Revenue
$1.6B+4.9% YoY
Net income
$183M+210.5% YoY
Free cash flow
$377M+190.1% YoY
Operating margin
15.2%+9.7 pts YoY
ROIC (TTM)79.7%
Avg ROIC 5Y-
ROE (TTM)39.6%
Piotroski Score8 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate12/12 (100%)
Revenue Beat Rate11/12 (92%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q3 2026Latest
Jul 23, 2026
$1.84+28.7%
vs $1.43
$621M+1.1%
vs $615M
Q2 2026
Apr 23, 2026
$2.00+43.9%
vs $1.39
$507M+5.3%
vs $481M
Q1 2026
Feb 24, 2026
$2.17+66.9%
vs $1.30
$484M-0.3%
vs $485M
Q4 2025
Oct 23, 2025
$1.36+23.6%
vs $1.10
$401M+7.5%
vs $373M
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

5 Stories
Zacks Investment Research·Sep 24, 2026
Global Commercial Pricing Soft: 4 P&C Insurers to Protect Portfolio

Global commercial insurance rates are falling, but TRV, UVE, UFCS and AII offer portfolio resilience through disciplined underwriting and diversification.

Zacks Investment Research·Sep 24, 2026
Are Investors Undervaluing Universal Insurance Holdings (UVE) 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.

Defense World·Sep 17, 2026
Squarepoint Ops LLC Buys New Position in Universal Insurance Holdings Inc $UVE

Squarepoint Ops LLC bought a new position in shares of Universal Insurance Holdings Inc (NYSE: UVE) in the undefined quarter, according to the company in its most recent disclosure with the Securities and Exchange Commission. The firm bought 33,399 shares of the insurance provider's stock, valued at approximately $1,381,000. Squarepoint Ops LLC owned

Defense World·Sep 17, 2026
Universal Insurance (NYSE:UVE) vs. Assured Guaranty (NYSE:AGO) Critical Comparison

Assured Guaranty (NYSE: AGO - Get Free Report) and Universal Insurance (NYSE: UVE - Get Free Report) are both finance companies, but which is the superior investment? We will compare the two companies based on the strength of their earnings, risk, valuation, dividends, profitability, analyst recommendations and institutional ownership. Earnings and Valuation This table compares Assured Guaranty

Filtered for Universal Insurance Holdings, Inc.More Headlines
04

Compare before deciding

Benchmark UVE against direct peers instead of judging its metrics in isolation.

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
$43.13$1.2B6.824.94%11.47%39.59%1.78%
HCI logoHCIHCI Group, Inc.
$181.39$2.32B7.2920.21%32.6%28.69%—
HRTG logoHRTGHeritage Insurance Holdings, Inc.
$33.83$1.02B5.353.71%27.54%42.41%—
ALL logoALLThe Allstate Corporation
$224.41$57.77B5.884.64%19.24%43.16%—
TRV logoTRVThe Travelers Companies, Inc.
$361.64$75.43B13.185.17%16.95%25.62%—
CB logoCBChubb Limited
$331.30$128.5B12.886.47%18.06%14.09%—

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

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

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

Jul 23, 2026·SEC

Material company update

Jul 8, 2026·SEC

Material company update

Jun 18, 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

Jul 30, 2026·SEC

FY 2026

Apr 29, 2026·SEC

FY 2025

Oct 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 $219.9M 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 1.78%. 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 →