Financials / Insurance - Property & CasualtyUpdated 2026-05-10 22:07 UTC

UVE stock hub

Universal Insurance Holdings, Inc. has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

1.1B

NYSE

Market data

Live price

Current market quote for this ticker.

Current price

UVE

In the news

Latest news · UVE

Recent company headlines from major financial publishers.

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Fetching the latest headlines.

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Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/E8.9

P25 8.8P50 10.4P75 13.1

Trailing P/E5.8

P25 10.9P50 14.7P75 36.2

ROE38.9

P25 4.9P50 10.4P75 15

ROIC30

P25 -1.3P50 6.6P75 12.7

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All UVE market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

261

Groups with data

Currency

USD

Showing 261 of 261 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Cik	0000891166
Company name	Universal Insurance Holdings, Inc.
Country	United States
Country code	US
Cusip	91359V107
Employees	929
Employees Change	-139%
Employees Change Percent	-13.01
Enterprise value	$605.3M
Exchange	NYSE
Financial currency	USD
First seen	2026-05-09
Industry	Insurance - Property & Casualty
IPO Date	1992-12-14
Isin	US91359V1070
Last refreshed	2026-05-10
Market cap	$1.1B
Market cap category	Small-Cap
Price	$39.44
Price currency	USD
Rev Per Employee	1,725,094.73x
Sector	Financials
Sic	6331
Symbol	UVE
Website	https://www.universalinsuranceholdings.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	17.79%
EV Earnings	3.09x
EV Sales Forward	0.39x
EV/EBIT	2.28x
EV/EBITDA	2.22x
EV/FCF	1.76x
EV/Sales	0.38x
FCF yield	31.32%
Forward P/E	8.94x
P/B ratio	1.88x
P/E ratio	5.84x
P/S ratio	0.69x
PE Ratio10 Y	15.18x
PE Ratio3 Y	14.01x
PE Ratio5 Y	15.9x
PS Forward	0.71x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT Margin	16.58%
EBITDA Margin	16.98%
FCF margin	21.51%
Gross margin	24.03%
Gross Profit	$385M
Net Income	$195.8M
Net Income Growth	193.51%
Net Income Growth Q	31.01%
Net Income Growth Quarters	3%
Net Income Growth Years	1%
Net Income Growth5 Y	50.41%
Pretax Margin	16.18%
Profit Margin	12.22%
Profit Per Employee	$210,757
Profitable Years	3
ROA	6.06
Roa5y	2.08
ROCE	27.86
ROE	38.88
Roe5y	15.15
ROIC	30.02
Roic5y	12.68

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr10y	12.49%
Cagr15y	19.88%
Cagr1y	60.73%
Cagr20y	26.3%
Cagr3y	41.55%
Cagr5y	27.59%
Div CAGR10	1.4%
Div CAGR3	0%
Div CAGR5	0%
EPS Growth	194.7
EPS Growth Q	30.56
EPS Growth Quarters	3
EPS Growth Years	1
EPS Growth5 Y	52.98
FCF Growth	46.14%
FCF Growth Q	-17.41%
FCF Growth3 Y	4.99%
FCF Growth5 Y	61.64%
OCF Growth	44.91%
OCF Growth Q	-17.11%
OCF Growth10 Y	5.62%
OCF Growth3 Y	5.07%
OCF Growth5 Y	50.7%
Revenue Growth	3.57x
Revenue Growth Q	-0.33x
Revenue Growth Years	14x
Revenue Growth3 Y	8.59x
Revenue Growth5 Y	7.81x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Asset Turnover	$0.58
Assets	$2.8B
Cash	$595.8M
Debt	$100.3M
Debt EBITDA	$0.37
Debt Equity	$0.17
Debt FCF	$0.29
Equity	$584.7M
Interest Coverage	41.48
Liabilities	$2.2B
Net Cash	$495.5M
Net Cash By Market Cap	$45.01
Net Cash Growth	67.87%
Net Debt EBITDA	$-1.82
Net Debt Equity	$-0.85
Net Debt FCF	$-1.44
Tangible Book Value	$584.7M
Tangible Book Value Per Share	$20.95
WACC	8.25

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Current ratio	0.55
Net Working Capital	$-1.3B
Quick ratio	0.37
Working Capital	$-822.4M

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	0.51%
Dividend Growth	0%
Dividend Growth Years	0%
Dividend per share	$0.77
Dividend Years	21
Dividend Yield	1.95%
Ex Div Date	2026-05-08
Last Dividend	$0.16
Payout Frequency	Quarterly
Payout Ratio	11.39%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y total return	224.41%
1Y total return	60.68%
200-day SMA	30.86
3Y total return	183.68%
50-day SMA	35.64
50-day SMA vs 200-day SMA	50over200
5Y total return	238.04%
All Time High	50.5
All Time High Change	-21.9%
All Time High Date	2018-09-26
All Time Low	0
All Time Low Change	1,314,566.67%
All Time Low Date	2002-12-10
ATR	1.42
Beta	0.78
Beta1y	0.28
Beta2y	0.38
Ch YTD	16.69
High	40.17
High52	41.96
High52 Date	2026-04-28
High52ch	-6.01%
Low	38.75
Low52	21.96
Low52 Date	2025-07-28
Low52ch	79.6%
Ma50ch	10.66%
Price vs 200-day SMA	27.82%
RSI	59.87
RSI Monthly	71.61
RSI Weekly	70.51
Sharpe ratio	1.37x
Sortino ratio	2.41
Total Return	2.46%
Tr YTD	17.68
Tr15y	1,417.85%
Tr1m	16.02%
Tr1w	-0.26%
Tr3m	25.44%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Analyst Count	1
Analyst Count Top	1
Analyst Price Target Top	$40
Analyst Ratings	Buy
Analyst Ratings Top	Buy
Earnings EPS Estimate	$1.39
Earnings EPS Estimate Growth	-3.47
Earnings Revenue Estimate	369,491,600x
Earnings Revenue Estimate Growth	-6.43x
Operating Income	$265.7M
Operating margin	16.58
Price target	$40
Price Target Change	$1.42
Price Target Change Top	$1.42

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	25,321,867%
Float Percent	90.72%
Net Borrowing	-1,472,000
Shares Insiders	9.28%
Shares Institutions	76.28%
Shares Out	27,911,118
Shares Qo Q	-1.13%
Shares Yo Y	-0.51%
Short Float	1.72%
Short Ratio	2.67
Short Shares	1.56

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Adjusted FCF	$336.1M
Average Volume	242,795.4x
Bv Per Share	20.95
CAPEX	$-4.8M
Ch10y	121.3
Ch15y	664.3
Ch1m	15.56
Ch1w	-0.65
Ch1y	55.83
Ch20y	3,390.3
Ch3m	24.38
Ch3y	153.1
Ch5y	169
Ch6m	17.35
Change	-2.3%
Change From Open	-1.65
Close	40.37
Days Gap	-0.67
Dollar Volume	7,996,302.2
Earnings Date	2026-04-23
Earnings Time	amc
EBIT	$265.7M
EBITDA	$272.1M
EPS	$6.76
F Score	4
FCF	$344.8M
FCF EV Yield	56.95x
FCF Per Share	$12.35
Financing CF	-59,783,000
Fiscal Year End	December
Founded	1,990
Graham Number	56.44572
Graham Upside	43.12
Income Tax	$63.5M
Investing CF	-92,176,000
Is Primary Listing	1
Is Spac	No
Last Earnings Date	2026-04-23
Last Report Date	2026-03-31
Last Split Date	1994-12-06
Last Split Type	Reverse
Last10k Filing Date	2026-02-27
Lynch Fair Value	$169
Lynch Upside	328.4
Ma150	32.95
Ma150ch	19.7%
Ma20	37.59
Ma20ch	4.93%
Net CF	197,587,000
Next Earnings Date	2026-07-23
Open	40.1
Optionable	Yes
P FCF Ratio	3.19
P OCF Ratio	3.15
Payment Date	2026-05-15
Position In Range	48.59
Post Close	39.44
Postmarket Change Percent	-1.52
Postmarket Price	$38.84
Ppne	49,346,000
Price Date	2026-05-08
Price EBITDA	$4.05
Ptbv Ratio	1.88
Relative Volume	0.84x
Revenue	1,602,613,000x
SBC By Revenue	0.54x
Share Based Comp	8,652,000
Tax By Revenue	3.96x
Tax Rate	24.49%
Tr20y	10,559.55%
Tr6m	19.42%
Us State	Florida
Volume	202,746

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

UVE dividend yield, growth & safety

Yield, payout sustainability, and the multi-year growth streak.

Dividend yield

+2.0%

$0.77 annual per share

Payout ratio

+11.4%

Share of earnings returned as dividends. Below 60% is generally sustainable.

5Y dividend CAGR

0.0%

0 consecutive years of growth

Total shareholder yield

+2.5%

Next ex-dividend date: 2026-05-08

Performance

UVE stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns UVE?

Insider, institutional, and short-interest positioning.

Institutional ownership

+76.3%

Float: +90.7% of shares outstanding

Insider ownership

+9.3%

Stake held by company insiders. Higher generally signals alignment.

Negative means the company is buying back shares.

Technical

UVE momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

59.9

Neutral momentum band

Price vs 200-day MA

+27.8%

50/200-day relationship not available

Beta (5Y)

0.78

Less volatile than the market

Sharpe ratio

1.37

Risk-adjusted return — higher is better; >1.0 is solid.

Peers

UVE vs. sector cohort

Currency-neutral comparison: P/E, P/S, ROIC, 5Y revenue CAGR, and 1Y total return. Market-cap column appears only when every peer reports in the same currency.

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
AXP	American Express Company	215.6B	19.7x	3.1x	11.5%	+15.5%	+15.6%	Azalt
BAC	Bank of America Corporation	364.1B	12.7x	3.3x	—	+6.3%	+28.2%	Azalt
BK	The Bank of New York Mellon Corporation	89.6B	16.2x	4.3x	—	+6.0%	+58.4%	Azalt

Questions

About UVE

Hub-level FAQ points readers to the deeper analysis pages.

What is the current UVE stock rating?

Universal Insurance Holdings, Inc. is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full UVE analysis?

The full report lives at /stocks/UVE/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for UVE?

The latest report frames UVE around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the UVE page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.