Universal Insurance Holdings, Inc. logo

Universal Insurance Holdings, Inc.

UVE

NYSEFinancial ServicesInsurance - Property & Casualty

Previous close

$42.32

−$0.01 · -0.02%

Aug 21, 4:00 PM ET

Pre-market

$42.32

$0.00 · 0.00%

Aug 24, 6:09 AM ET

UVE company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

100

Deep Value

Momentum

63

Gaining

Sentiment

63

Bullish

Risk resilience

71

Moderate Risk

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Company profile

Company website

Universal Insurance Holdings, Inc., together with its subsidiaries, operates as an integrated insurance holding company in the United States. The company offers insurance products for personal residential insurance, such as homeowners, renters and tenants, condo unit owners, and dwelling and fire; and allied lines, coverage for other structures, and personal property, liability, and personal articles coverages. It also advises on actuarial issues, oversees distribution, administers claims payments, performs policy administration and underwriting, and assists with reinsurance negotiations; evaluates insurance risk and exposures on an individual and portfolio basis and assists the insurance entities with pricing risks; places and manages its reinsurance programs; and operates its digital insurance agency, Clovered.com. It offers its products through its independent agency network, direct-to-consumer online distribution, and digital insurance agency platform. The company was formerly known as Universal Heights, Inc. and changed its name to Universal Insurance Holdings, Inc. in January 2001. Universal Insurance Holdings, Inc. was incorporated in 1990 and is headquartered in Fort Lauderdale, Florida.

Industry
Insurance - Property & Casualty
Sector
Financial Services
Headquarters
US
CEO
Stephen J. Donaghy
Listed since
Jun 6, 2003
Employees
929

Market position

Day range

Current $42.32

52-week range

Current $42.32

Open
$42.82
Previous close
$42.33
Volume
124.44K
0.57× average
Average volume
217.55K
Average daily volume
Market cap
1.18B USD
Beta
0.73
Market reference 1
50-day average
$41.3582
+2.33% above average
200-day average
$35.9606
+17.68% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
632.98M USD
P/E (TTM)
5.35×
P/B (TTM)
1.85×
P/S (TTM)
0.73×
EV / EBITDA
2.47×
Earnings yield
19.43%
Free cash flow yield
40.05%
Dividend yield
1.82%

Profitability & efficiency

Gross margin
37.71%
Operating margin
18.02%
Net margin
13.55%
Return on equity
33.20%
Return on assets
6.44%
Return on invested capital
26.40%

Financial health

Debt / equity
0.15×
Current ratio
0.58×
Altman Z-score
1.87
Piotroski F-score
8 of 9

Earnings

EPS beat rate
100%
11 beats, 0 misses, 0 met estimates
Average EPS surprise
+46.91%
11 comparable reports
Latest EPS result
1.84
Estimate 1.43 · Beat by 28.67%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates2.341.570.80.03Q1 '25BeatQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Feb 25, 2025: actual 0.25, estimate 0.09, surprise +177.78%, Beat. Q2 2025, reported Apr 24, 2025: actual 1.44, estimate 1.12, surprise +28.57%, Beat. Q3 2025, reported Jul 24, 2025: actual 1.23, estimate 1.09, surprise +12.84%, Beat. Q4 2025, reported Oct 23, 2025: actual 1.36, estimate 1.1, surprise +23.64%, Beat. Q1 2026, reported Feb 24, 2026: actual 2.17, estimate 1.3, surprise +66.92%, Beat. Q2 2026, reported Apr 23, 2026: actual 2, estimate 1.39, surprise +43.88%, Beat. Q3 2026, reported Jul 23, 2026: actual 1.84, estimate 1.43, surprise +28.67%, Beat. Q4 2026, reported Oct 22, 2026: actual —, estimate 0.03, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates646.17M539.13M432.09M325.05MQ1 '25BeatQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26MissQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Feb 25, 2025: actual 384.81M USD, estimate 349.91M USD, surprise +9.98%, Beat. Q2 2025, reported Apr 24, 2025: actual 394.87M USD, estimate 354.97M USD, surprise +11.24%, Beat. Q3 2025, reported Jul 24, 2025: actual 400.14M USD, estimate 364.07M USD, surprise +9.91%, Beat. Q4 2025, reported Oct 23, 2025: actual 400.98M USD, estimate 372.99M USD, surprise +7.50%, Beat. Q1 2026, reported Feb 24, 2026: actual 483.68M USD, estimate 485.02M USD, surprise -0.28%, Miss. Q2 2026, reported Apr 23, 2026: actual 506.55M USD, estimate 481.09M USD, surprise +5.29%, Beat. Q3 2026, reported Jul 23, 2026: actual 621.31M USD, estimate 614.62M USD, surprise +1.09%, Beat. Q4 2026, reported Oct 22, 2026: actual —, estimate 610.56M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Rating distribution

4 ratings

Limited analyst sample: 4 ratings. Interpret the distribution with caution.

Strong buy00%
Buy125%
Hold250%
Sell125%
Strong sell00%

Recent analyst actions

1 institution

UVE news

Corporate actions

Corporate action history

Stock split

Effective Dec 8, 1994

1:4

UVE peers

ETFs holding UVE

Funds reporting this stock among their holdings, ordered by reported position size.

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