UVE Stock - Universal Insurance Holdings, Inc.
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Financial Statements
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $1.52B | $1.39B | $1.22B | $1.12B | $1.07B |
| Gross Profit | $199.73M | $190.94M | $70.00M | $116.48M | $114.86M |
| Gross Margin | 13.1% | 13.7% | 5.7% | 10.4% | 10.7% |
| Operating Income | $84.61M | $88.35M | $-27,247,000 | $28.41M | $24.23M |
| Net Income | $58.93M | $66.82M | $-22,257,000 | $20.41M | $19.11M |
| Net Margin | 3.9% | 4.8% | -1.8% | 1.8% | 1.8% |
| EPS | $2.07 | $2.24 | $-0.72 | $0.65 | $0.60 |
Universal Insurance Holdings, Inc., together with its subsidiaries, operates as an integrated insurance holding company in the United States. The company develops, markets, and underwrites insurance products for personal residential insurance, such as homeowners, renters/tenants, condo unit owners, and dwelling/fire; and offers 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; places and manages reinsurance programs for the insurance entities; and operates Clovered.com, an online platform in which consumers receive side-by-side quotes from various carriers across multiple states, as well as educational materials about homeowners' insurance policies. It offers its products through a network of independent agents, as well as Universal Direct, a direct-to-consumer online platform, which enables homeowners to directly purchase, pay for, and bind homeowners' policies. 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.
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Price Targets
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| February 27th 2023 | Piper Sandler | Upgrade | Overweight | $19← $11 |
Earnings History & Surprises
UVEEPS Surprise History
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | Apr 22, 2026 | — | — | — | — |
Q1 2026 | Feb 24, 2026 | $0.60 | — | — | — |
Q4 2025 | Oct 23, 2025 | $1.10 | $1.36 | +23.6% | ✓ BEAT |
Q3 2025 | Jul 24, 2025 | $1.09 | $1.23 | +12.8% | ✓ BEAT |
Q2 2025 | Apr 24, 2025 | $1.12 | $1.44 | +28.6% | ✓ BEAT |
Q1 2025 | Feb 25, 2025 | $0.09 | $0.25 | +177.8% | ✓ BEAT |
Q4 2024 | Oct 24, 2024 | $-1.03 | $-0.73 | +29.1% | ✓ BEAT |
Q3 2024 | Jul 25, 2024 | $1.02 | $1.18 | +15.7% | ✓ BEAT |
Q2 2024 | Apr 25, 2024 | $1.05 | $1.07 | +1.9% | ✓ BEAT |
Q1 2024 | Feb 22, 2024 | $0.23 | $0.43 | +87.0% | ✓ BEAT |
Q4 2023 | Oct 26, 2023 | $-0.28 | $-0.16 | +42.9% | ✓ BEAT |
Q3 2023 | Jul 27, 2023 | $0.77 | $0.87 | +13.0% | ✓ BEAT |
Q2 2023 | Apr 27, 2023 | $0.74 | $0.79 | +6.8% | ✓ BEAT |
Q1 2023 | Feb 23, 2023 | $-0.49 | $0.72 | +246.9% | ✓ BEAT |
Q4 2022 | Oct 27, 2022 | $-2.51 | $-2.27 | +9.6% | ✓ BEAT |
Q3 2022 | Jul 27, 2022 | $0.38 | $0.47 | +23.7% | ✓ BEAT |
Q2 2022 | Apr 28, 2022 | $0.57 | $0.64 | +12.3% | ✓ BEAT |
Q1 2022 | Feb 24, 2022 | $-1.61 | $-1.53 | +5.0% | ✓ BEAT |
Q4 2021 | Oct 27, 2021 | $0.50 | $0.63 | +26.0% | ✓ BEAT |
Q3 2021 | Jul 28, 2021 | $0.56 | $0.65 | +16.1% | ✓ BEAT |
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