UVE trades 2.4% below Wall Street's consensus target of $45.00.
Last 12 months price action with 12-month analyst target path
The base valuation assumes UVE achieves its forward estimates and maintains a stable P/E multiple of 9.1x. This scenario reflects the blended consensus of 4 Wall Street analysts, balancing both positive catalysts and macroeconomic headwinds over the next 12 months.
As of October 3, 2026, Universal Insurance Holdings, Inc. (UVE) has a Wall Street consensus price target of $45.00, based on estimates from 4 covering analysts. With the stock currently trading at $43.95, this represents a potential upside of +2.4%. The company has a market capitalization of $1.22B.
Analyst price targets range from a low of $45.00 to a high of $45.00, representing a 0% spread in expectations. The median target of $45.00 aligns closely with the consensus average. The tight target dispersion indicates high conviction among analysts.
The current analyst consensus rating is Hold, with 1 analysts rating the stock as a Buy or Strong Buy,2 rating it Hold, and 1 rating it Sell or Strong Sell. The bearish sentiment suggests caution about the stock at current levels.
From a valuation perspective, UVE trades at a trailing P/E of 7.0x and forward P/E of 9.1x. The forward PEG ratio of 0.15 suggests the stock may be undervalued relative to its growth. Analysts expect EPS to grow -36.5% over the next year.
Our proprietary valuation model, which blends historical multiples with forward estimates, suggests a base-case price target of $48.81, with bear and bull scenarios of $30.75 and $64.31 respectively. Model confidence stands at 49/100, suggesting limited visibility into future performance.
| Company | Market Cap | Price | Target | Upside Potential | Rating | Fwd P/E | Analysts |
|---|---|---|---|---|---|---|---|
 HCIHCI Group, Inc. | $2.4B | $184.25 | $230.00 | +24.8% | Buy | 9.6x | 14 |
 HRTGHeritage Insurance Holdings, Inc. | $1.0B | $33.99 | $36.50 | +7.4% | Buy | 6.4x | 9 |
 ALLThe Allstate Corporation | $57.6B | $223.74 | $268.00 | +19.8% | Hold | 6.3x | 45 |
 TRVThe Travelers Companies, Inc. | $75.2B | $360.38 | $351.11 | -2.6% | Hold | 10.6x | 44 |
 CBChubb Limited | $128.3B | $330.89 | $357.45 | +8.0% | Buy | 11.9x | 43 |
 PGRThe Progressive Corporation | $123.4B | $210.31 | $222.62 | +5.9% | Hold | 11.6x | 42 |
 CINFCincinnati Financial Corporation | $24.9B | $161.95 | $198.00 | +22.3% | Hold | 19.2x | 17 |
 KMPRKemper Corporation | $1.5B | $25.67 | $35.50 | +38.3% | Buy | 12.8x | 12 |
 RNRRenaissanceRe Holdings Ltd. | $13.5B | $325.53 | $336.38 | +3.3% | Hold | 7.4x | 28 |
 AXSAXIS Capital Holdings Limited | $6.9B | $94.88 | $118.50 | +24.9% | Buy | 7.7x | 29 |
Quick answers to the most common questions about buying UVE stock.
The consensus price target for UVE is $45, close to the current price of $43.95 (2.4% implied move). Based on 4 analyst estimates, the stock appears fairly valued near current levels.
UVE has a consensus rating of "Hold" based on 4 Wall Street analysts. The rating breakdown is mixed, with 2 Hold ratings making up the largest segment. The consensus 12-month price target of $45 implies 2.4% upside from current levels.
With a forward P/E of 9.0619x, UVE trades at a relatively low valuation. The consensus target of $45 implies 2.4% appreciation, suggesting the market may be pricing in risks.
The most bullish Wall Street analyst has a price target of $45 for UVE, while the most conservative target is $45. The consensus of $45 represents the median expectation. Our quantitative valuation model projects a bull case target of $64 based on optimistic growth and margin assumptions. These targets typically reflect 12-month expectations.
UVE is lightly followed, with 4 analysts providing price targets and ratings. Of these, 0 have Strong Buy ratings, 1 have Buy ratings, 2 recommend Hold, and 1 have Sell or Strong Sell ratings. Higher analyst coverage generally indicates greater institutional interest and more reliable consensus estimates.
The 12-month UVE stock forecast based on 4 Wall Street analysts shows a consensus price target of $45, with estimates ranging from $45 (bear case) to $45 (bull case). The median consensus rating is "Hold". Our proprietary valuation model produces a base case fair value of $49, with bear/bull scenarios of $31/$64.
Our quantitative valuation model calculates UVE's fair value at $49 (base case), with a bear case of $31 and bull case of $64. The model uses discounted cash flow analysis, historical growth rates, and margin mean-reversion to project FY+2 earnings, then applies an appropriate P/E multiple. The model confidence score is 49/100.
UVE trades at a forward P/E ratio of 9.1x based on next-twelve-months earnings estimates compared to a trailing P/E of 7.0x. The higher forward P/E suggests near-term earnings pressure. A forward P/E is useful for comparing valuations when earnings are expected to change significantly.
UVE appears fairly valued according to analysts, with a "Hold" rating and minimal upside to the $45 target. Consider your investment thesis and risk tolerance. This information is for educational purposes only. Always conduct your own research, consider your financial situation, and consult a financial advisor before making investment decisions.
UVE analyst price targets range from $45 to $45, a 0% tight range reflecting strong analyst consensus. Differences stem from varying assumptions about revenue growth, profit margins, competitive dynamics, and valuation multiples. The $45 consensus represents the middle ground. Our model's $31-$64 range provides an independent fundamental perspective.
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