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Universal Insurance Holdings, Inc. (UVE) Total Return Calculator with Dividends Reinvested

Universal Insurance Holdings, Inc.

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The total return for Universal Insurance Holdings, Inc. (UVE) stock is +63.18% over the past 12 months. So far it's up 28.32% this year. The 5-year total return is +202.73%, meaning $10,000 invested in UVE stock 5 years ago would be worth $30,273 today. Total return includes price appreciation plus reinvesting any dividends paid out.

If you invested $10,000 in UVE 1 year ago, it would be worth $16,437 today — you'd have gained $6,437 with dividends reinvested.

With Dividends Reinvested$16,437+64.37%

Price Only (No DRIP)$15,938+59.38%

Dividend Boost+$4995 payments · +4.99% extra

Period2025-05-08 → 2026-05-07

Price

Total Return (DRIP)

Dividends

S&P 500

If You Invested $10,000 in UVE

1Y$16,318+$6,318 (+63.2%)63.2% CAGR

3Y$27,028+$17,028 (+170.3%)39.3% CAGR

5Y$30,273+$20,273 (+202.7%)24.8% CAGR

10Y$26,576+$16,576 (+165.8%)10.3% CAGR

15Y$89,556+$79,556 (+795.6%)15.7% CAGR

20Y$478,530+$468,530 (+4685.3%)21.3% CAGR

30Y$417,603+$407,603 (+4076.0%)13.2% CAGR

Dividend Reinvestment History (5)▲ Hide

Ex-Date	Dividend	Reinvest Price	Shares Added
2025-05-09	$0.16	$26.01	+0.006151
2025-08-01	$0.16	$23.00	+0.006999
2025-12-05	$0.29	$31.13	+0.009438
2026-03-06	$0.16	$35.18	+0.004651
2026-05-08	$0.16	$40.53	+0.004055

Loading UVE total return...

As of 2026-05-08

Returns at a Glance

Period	Total Return	CAGR	Price Only	Div. Contrib.	$10K →
YTD	+28.32%	—	+27.81%	+0.50 pp	$12,832
1Y	+63.18%	63.18%	+60.13%	+3.04 pp	$16,318
3Y	+170.28%	39.30%	+155.71%	+14.57 pp	$27,028
5Y	+202.73%	24.80%	+176.47%	+26.26 pp	$30,273
10Y	+165.76%	10.27%	+124.17%	+41.59 pp	$26,576
15Y	+795.56%	15.74%	+619.89%	+175.67 pp	$89,556
20Y	+4685.30%	21.34%	+3618.32%	+1066.97 pp	$478,530
30Y	+4076.03%	13.25%	+3142.43%	+933.60 pp	$417,603

Risk & Highlights

Best Year+1611.11%2005

Worst Year-70.59%2002

Max Drawdown-18.95%2025-06-02 → 2025-07-25 · Recovered 2025-10-03

Annual Returns

Year	Total Return	Price Return	Div.	S&P 500	vs S&P
2026YTD	+11.42%	+10.91%	+0.5pp	+0.41%	+11.0pp
2025	+67.90%	+64.16%	+3.7pp	+16.64%	+51.3pp
2024	+34.50%	+29.76%	+4.7pp	+24.00%	+10.5pp
2023	+63.73%	+56.21%	+7.5pp	+24.81%	+38.9pp
2022	-33.26%	-37.78%	+4.5pp	-19.95%	-13.3pp

UVE outperformed the S&P 500 by 32.80pp over the past year (+63.18% vs +30.37%).

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UVE Peers' Total Return

Accurate peer set · 10 comparable names

Name	Mkt Cap	30D Rtn	YTD Total Rtn	1Y Total Rtn	Div Contrib	3Y Total Rtn	5Y Total Rtn	10Y Total Rtn
UVEUniversal Insurance Holdings, Inc.	$1.1B	+18.8%	+28.3%	+63.2%	+3.0pp	+170.3%	+202.7%	+165.8%
HCIHCI Group, Inc.	$2.0B	-1.1%	-16.7%	+2.4%	+1.1pp	+209.6%	+105.3%	+436.8%
HRTGHeritage Insurance Holdings, Inc.	$861M	+5.5%	+2.7%	+15.3%	—	+585.3%	+201.4%	+119.4%
ALLThe Allstate Corporation	$55.0B	+1.5%	+5.4%	+6.7%	+2.0pp	+93.9%	+75.3%	+258.7%
TRVThe Travelers Companies, Inc.	$64.6B	+1.3%	+5.2%	+12.8%	+1.6pp	+70.6%	+98.2%	+201.4%
CBChubb Limited	$125.4B	-1.9%	+3.9%	+12.0%	+1.3pp	+66.4%	+92.1%	+187.6%
PGRThe Progressive Corporation	$114.7B	-0.6%	-1.3%	-26.8%	+4.9pp	+60.9%	+107.3%	+593.7%
CINFCincinnati Financial Corporation	$25.2B	+1.2%	+0.9%	+14.0%	+2.4pp	+62.2%	+47.4%	+180.5%
KMPRKemper Corporation	$1.7B	-7.6%	-24.9%	-50.2%	+2.1pp	-29.0%	-55.2%	+31.6%
RNRRenaissanceRe Holdings Ltd.	$13.0B	-0.6%	+10.6%	+21.9%	+0.6pp	+45.7%	+87.1%	+176.9%
AXSAXIS Capital Holdings Limited	$7.3B	-1.8%	-4.3%	+1.0%	+1.8pp	+90.0%	+86.4%	+112.7%

Compare:UVE vs HCI UVE vs HRTG UVE vs ALL UVE vs HCI vs HRTG

About UVE Dividend Returns

Universal Insurance Holdings, Inc. (UVE) is a dividend-paying stock. When dividends are reinvested through a DRIP (Dividend Reinvestment Plan), they purchase additional shares, which then generate their own dividends—creating a compounding effect that can significantly boost long-term returns.

How We Calculate Total Return

Our total return calculator simulates dividend reinvestment (DRIP) by assuming each dividend payment is used to purchase additional shares at the closing price on the ex-dividend date. This methodology provides an accurate representation of how a dividend reinvestment plan would perform.

Frequently Asked Questions

Q1What is the total return of UVE over the past year?

Universal Insurance Holdings, Inc. (UVE) delivered a total return of 63.18% over the past year when dividends are reinvested. The price-only return was 60.13%, meaning dividends contributed an additional 3.04 percentage points to total returns.

Q2How much would $10,000 invested in UVE be worth today?

A $10,000 investment in Universal Insurance Holdings, Inc. one year ago would be worth $16,318 today with dividends reinvested (DRIP). Without reinvesting dividends, the same investment would be worth $16,013. Dividend reinvestment added $304 to the portfolio value.

Q3Does UVE pay dividends?

Yes, Universal Insurance Holdings, Inc. (UVE) pays dividends. In the last year, UVE paid approximately $0.77 per share in dividends (1.90% yield). Reinvesting these dividends through a DRIP can significantly boost long-term returns — over 20+ years, dividend compounding can account for 30–50% of total returns for dividend-paying stocks.

Q4Did UVE beat the S&P 500?

Yes, Universal Insurance Holdings, Inc. (UVE) outperformed the S&P 500 by 32.80 percentage points over the past year. UVE delivered a total return of 63.18%, compared to the S&P 500's 30.37%. This 32.80pp alpha means investors in UVE earned more than a passive S&P 500 index fund.

Q5What is UVE's worst drawdown?

Universal Insurance Holdings, Inc. (UVE) experienced a maximum drawdown of -18.95% over the past year, declining from its peak on 2025-06-02 to its trough on 2025-07-25. The stock recovered to its prior peak by 2025-10-03. Maximum drawdown measures the worst peak-to-trough decline and is an important risk metric for investors.

Q6What is UVE's long-term total return over 10, 20, or 30 years?

Here are Universal Insurance Holdings, Inc. (UVE)'s long-term returns with dividends reinvested. Over 10 years, the total return is 165.8% (10.3% CAGR) — $10,000 would have grown to $26,576. Over 20 years: 4685.3% total return (21.3% CAGR) — $10,000 → $478,530. Over 30 years: 4076.0% total return (13.2% CAGR) — $10,000 → $417,603. Long-term investors benefit from compounding: dividends buy additional shares, which generate their own dividends, creating an exponential growth effect.

Q7What was UVE's best and worst year?

Universal Insurance Holdings, Inc.'s best calendar year was 2005 with a total return of 1611.1%. Its worst year was 2002 with a total return of -70.6%. This range shows the volatility investors should expect — the difference between the best and worst year is 1681.7 percentage points.