Last 47 quarters of trend data · Financial Services · Insurance - Property & Casualty
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 6.95 | 5.07 | 4.54 | 3.66 | 4.76 | 5.73 | 4.11 | 25.07 | — | 3.88 | 4.46 | 5.88 | — | 4.15 | 5.77 | 3.23 | — | 13.57 | 6.02 | — | 5.09 |
| — | -11.5% | +10.4% | -85.4% | — | +47.8% | -7.7% | +326.7% | — | -6.6% | -22.7% | +82.0% | — | -69.4% | -4.3% | — | — | +173.8% | +41.1% | — | — | |
| P/S Ratio | 0.77 | 0.70 | 0.63 | 0.60 | 0.47 | 0.50 | 0.43 | 0.40 | 0.41 | 0.36 | 0.41 | 0.31 | 0.29 | 0.35 | 0.44 | 0.24 | 0.24 | 0.34 | 0.37 | 0.45 | 0.36 |
| — | +40.6% | +45.5% | +50.5% | +16.5% | +37.9% | +6.4% | +27.0% | +40.6% | +3.8% | -7.9% | +28.2% | +19.7% | +1.1% | +20.3% | -46.0% | -32.3% | -11.5% | -14.2% | +4.6% | +1.2% | |
| P/B Ratio | 2.30 | 1.87 | 1.68 | 1.77 | 1.53 | 1.74 | 1.61 | 1.64 | 1.57 | 1.40 | 1.64 | 1.38 | 1.38 | 1.41 | 1.73 | 1.12 | 1.16 | 1.10 | 1.06 | 1.23 | 0.83 |
| — | +7.3% | +4.2% | +7.6% | -2.5% | +24.7% | -1.4% | +19.0% | +14.0% | -1.1% | -5.5% | +22.9% | +19.1% | +28.8% | +63.1% | -8.9% | +39.9% | +21.5% | +7.7% | +17.2% | -10.4% | |
| P/FCF | 3.24 | 2.97 | 1.61 | 9.74 | 3.09 | 1.90 | 0.92 | — | 1.94 | 2.01 | 1.88 | — | 1.52 | 2.34 | — | 0.80 | — | 0.40 | — | — | 6.81 |
| — | +56.9% | +74.7% | — | +59.3% | -5.7% | -51.0% | — | +27.5% | -14.1% | — | — | — | +484.2% | — | — | — | -28.4% | — | — | — | |
| EV / EBITDA | 3.66 | 2.32 | 1.67 | 1.74 | 2.09 | 2.78 | 1.69 | 12.96 | — | 1.92 | 1.59 | 1.44 | — | 2.16 | 2.98 | 0.23 | — | 3.85 | 3.99 | — | 1.80 |
| — | -16.6% | -1.5% | -86.6% | — | +44.8% | +6.1% | +799.7% | — | -11.3% | -46.5% | +526.4% | — | -43.8% | -25.3% | — | — | +197.8% | +58.8% | — | — | |
| EV / EBIT | 3.76 | 2.32 | 1.67 | 1.85 | 2.09 | 2.78 | 1.69 | 12.96 | — | 1.87 | 1.55 | 1.74 | — | 2.16 | 2.98 | 0.27 | — | 3.85 | 3.76 | — | 1.80 |
| — | -16.6% | -1.5% | -85.7% | — | +49.1% | +9.3% | +644.2% | — | -13.8% | -48.0% | +538.2% | — | -43.8% | -20.7% | — | — | +197.8% | +49.4% | — | — |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 38.2% | 42.5% | 41.7% | 45.1% | 21.2% | 19.5% | 21.2% | 9.0% | 3.1% | 21.0% | 19.8% | 13.2% | 5.2% | 18.8% | 18.5% | 17.3% | -23.1% | 12.9% | 16.6% | -14.9% | 14.8% |
| — | +117.9% | +96.8% | +398.9% | +589.3% | -7.4% | +7.0% | -31.4% | -41.3% | +12.0% | +7.0% | -23.5% | +122.7% | +46.0% | +11.8% | +215.6% | -255.7% | -34.9% | -30.1% | -215.0% | +114.1% | |
| Operating Margin | 15.2% | 18.7% | 18.3% | 21.8% | 13.2% | 11.6% | 14.0% | 1.9% | -4.7% | 12.6% | 12.9% | 6.9% | -2.2% | 11.1% | 10.4% | 9.9% | -29.8% | 3.7% | 7.8% | -22.0% | 9.2% |
| — | +61.6% | +30.4% | +1041.5% | +381.5% | -8.0% | +8.8% | -72.3% | -113.7% | +14.0% | +24.6% | -30.6% | +92.7% | +202.3% | +32.5% | +145.1% | -423.5% | -66.0% | -43.5% | -122.8% | +857.2% | |
| Net Margin | 11.5% | 13.9% | 13.9% | 16.4% | 9.9% | 8.8% | 10.5% | 1.6% | -4.2% | 9.3% | 9.1% | 5.3% | -1.6% | 8.4% | 7.6% | 7.6% | -23.1% | 2.5% | 6.1% | -16.4% | 7.0% |
| — | +58.8% | +32.1% | +948.8% | +338.2% | -5.8% | +14.7% | -70.6% | -153.9% | +10.7% | +19.8% | -29.9% | +92.9% | +233.3% | +25.2% | +146.2% | -428.8% | -67.9% | -39.3% | -154.1% | +791.0% |
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 39.6% | 9.7% | 9.6% | 12.7% | 8.4% | 8.0% | 10.4% | 1.6% | -4.1% | 9.3% | 9.5% | 6.2% | -1.9% | 8.7% | 7.9% | 9.2% | -23.0% | 1.9% | 4.2% | -10.4% | 4.1% |
| — | +21.5% | -8.2% | +718.1% | +305.2% | -14.7% | +9.2% | -75.0% | -119.1% | +7.4% | +20.2% | -32.0% | +91.9% | +350.4% | +86.7% | +187.9% | -656.8% | -58.8% | -27.3% | -172.3% | +754.8% | |
| ROA | 6.4% | 1.9% | 1.9% | 2.2% | 1.3% | 1.2% | 1.5% | 0.2% | -0.6% | 1.5% | 1.5% | 0.8% | -0.2% | 1.0% | 0.9% | 0.8% | -2.6% | 0.4% | 0.9% | -2.3% | 0.9% |
| — | +66.3% | +29.8% | +925.1% | +306.3% | -20.6% | -1.7% | -73.3% | -180.8% | +41.3% | +70.8% | -1.7% | +91.8% | +192.8% | -3.6% | +136.4% | -391.5% | -67.0% | -39.3% | -147.0% | +681.8% | |
| ROIC | 79.7% | 40.9% | 32.4% | 30.6% | 20.7% | 22.0% | 24.4% | 2.9% | -7.2% | 25.5% | 54.5% | 29.2% | -4.4% | 15.2% | 28.3% | 80.4% | -66.0% | 3.3% | 5.5% | -17.3% | 8.3% |
| — | +86.2% | +32.5% | +964.7% | +389.3% | -13.9% | -55.1% | -90.2% | -64.6% | +68.1% | +92.5% | -63.7% | +93.4% | +361.3% | +418.1% | +565.6% | -895.7% | -58.1% | -27.7% | -82.8% | +513.4% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.18 | 0.15 | 0.17 | 0.18 | 0.20 | 0.22 | 0.24 | 0.27 | 0.25 | 0.26 | 0.28 | 0.34 | 0.38 | 0.47 | 0.56 | 0.36 | 0.41 | 0.28 | 0.26 | 0.24 | 0.01 |
| — | -30.3% | -28.3% | -32.8% | -19.8% | -14.7% | -14.3% | -20.6% | -33.2% | -44.6% | -50.2% | -4.3% | -6.8% | +65.9% | +114.7% | +48.0% | +2635.7% | +1652.7% | +1366.3% | +59.7% | -20.0% | |
| Debt / EBITDA | 0.40 | 1.20 | 1.37 | 1.05 | 1.86 | 2.11 | 1.78 | 11.53 | — | 2.12 | 2.14 | 3.53 | — | 4.01 | 5.26 | 2.53 | — | 8.43 | 4.59 | — | 0.28 |
| — | -43.2% | -23.0% | -90.9% | — | -0.5% | -17.1% | +227.0% | — | -47.1% | -59.3% | +39.6% | — | -52.5% | +14.6% | — | — | +3186.4% | +1966.2% | — | — | |
| Current Ratio | 0.58 | 76.09 | 0.56 | 0.58 | 0.61 | 0.65 | 0.58 | 2.54 | 2.11 | — | — | — | — | — | — | 963.94 | — | — | — | 7.23 | — |
| — | +11564.7% | -3.5% | -77.2% | -70.9% | — | — | — | — | — | — | — | — | — | — | +13224.6% | — | — | — | — | — | |
| Quick Ratio | 0.58 | 76.09 | 0.56 | 0.58 | 0.61 | 0.65 | 0.58 | 2.54 | 2.08 | — | — | — | — | — | — | 299.92 | — | — | — | 4.04 | — |
| — | +11564.7% | -3.5% | -77.2% | -70.5% | — | — | — | — | — | — | — | — | — | — | +7317.0% | — | — | — | — | — | |
| Interest Coverage | 51.63 | 40.91 | 45.95 | 166.76 | 38.01 | 33.42 | 39.65 | 6.12 | -11.57 | 34.13 | 33.86 | 18.76 | -4.42 | 26.85 | 23.47 | 23.45 | -63.08 | 7.87 | 16.68 | -115.15 | 913.55 |
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Includes 30+ ratios · 47 years · Updated daily
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Quick answers to the most common questions about buying UVE stock.
Universal Insurance Holdings, Inc.'s current P/E is 7.0x. The average P/E over the last 4 quarters is 4.5x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Universal Insurance Holdings, Inc.'s current operating margin is 15.2%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Universal Insurance Holdings, Inc.'s business trajectory between earnings reports.