Symbols / UVE Stock $39.70 +0.18% Universal Insurance Holdings, Inc.

Financial Services • Insurance - Property & Casualty • United States • NYQ
UVE (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Insurance - Property & Casualty
CEO Mr. Stephen Joseph Donaghy
Exch · Country NYQ · United States
Market Cap 1.11B
Enterprise Value 612.59M
Income 195.79M
Sales 1.60B
FCF (ttm) 338.45M
Book/sh 19.67
Cash/sh 21.34
Employees 929
Insider 10d —
IPO Jun 06, 2003
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 9.47%
P/E 5.87
Forward P/E 9.02
PEG —
P/S 0.69
P/B 2.02
P/C —
EV/EBITDA 2.25
EV/Sales 0.38
Quick Ratio 0.37
Current Ratio 0.55
Debt/Eq 17.15
LT Debt/Eq —
EPS (ttm) 6.76
EPS next Y 4.40
EPS Growth 30.60%
Revenue Growth -0.30%
EPS Gr Q/Q 31.00%
Rev Gr Q/Q —
Earnings (next) 2026-07-23
Earnings (prior) 2026-04-23
ROA 6.06%
ROE 38.88%
ROIC —
Gross Margin 24.03%
Oper. Margin 18.62%
Profit Margin 12.22%
Shs Outstand 27.91M
Shs Float 25.30M
Insider Own 11.34%
Instit Own 74.25%
Short Float 1.71%
Short Ratio 2.67
Short Interest 436.63K
52W High 41.96
vs 52W High -5.39%
52W Low 21.96
vs 52W Low 80.78%
Beta 0.70
Impl. Vol. 63.50%
Rel Volume 0.77
Avg Volume 199.25K
Volume 154.09K
Target (mean) $44.00
Tgt Median $44.00
Tgt Low $44.00
Tgt High $44.00
# Analysts 1
Recom Buy
Prev Close $39.63
Price $39.70
Change 0.18%
About

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.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$44.00
Mean price target
2. Current target
$39.70
Latest analyst target
3. DCF / Fair value
$218.27
Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$39.70
Low
$44.00
High
$44.00
Mean
$44.00

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2025-12-22 main Piper Sandler Overweight → Overweight $40
2024-04-01 main Piper Sandler Overweight → Overweight $25
2023-10-30 main Piper Sandler Overweight → Overweight $21
2023-10-06 main Piper Sandler Overweight → Overweight $20
2023-07-06 main Piper Sandler Overweight → Overweight $22
2023-05-01 main Piper Sandler — → Overweight $23
2023-04-04 main Piper Sandler — → Overweight $20
2023-02-27 up Piper Sandler Neutral → Overweight $19
2022-10-17 main Piper Sandler — → Neutral $12
2020-09-24 main Piper Sandler — → Neutral $16
2020-05-28 init Piper Sandler — → Neutral $19
2019-11-04 down Keefe, Bruyette & Woods Market Perform → Underperform $27
2018-07-27 down Keefe, Bruyette & Woods Outperform → Market Perform $44
2015-11-23 up Keefe, Bruyette & Woods Market Perform → Outperform —
2015-02-26 main Keefe, Bruyette & Woods — → Market Perform $21
2014-12-03 main Keefe, Bruyette & Woods — → Outperform $21
2014-11-11 main Keefe, Bruyette & Woods — → Market Perform $20
2014-09-02 init Keefe, Bruyette & Woods — → Outperform $17
2014-04-03 init Sidoti & Co. — → Buy $21
News
RSS: Latest UVE news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-04-29 DOWNES SEAN P Officer and Director — 20,000 $39.25 $793,765
2026-03-31 CAMPOS KIMBERLY D Chief Technology Officer — 946 $34.12 $32,278
2026-03-30 PETERSON RICHARD D Director — 2,000 $34.10 $68,207
2026-03-27 DONAGHY STEPHEN J Chief Executive Officer — 14,598 — —
2026-03-27 WILCOX FRANK C Chief Financial Officer — 2,503 — —
2026-03-27 CAMPOS KIMBERLY D Chief Technology Officer — 1,251 — —
2026-03-27 DOWNES SEAN P Officer and Director — 8,342 — —
2026-03-26 CAMPOS KIMBERLY D Chief Technology Officer — 879 $33.84 $29,745
2026-03-25 DOWNES SEAN P Officer and Director — 20,000 $34.60 $692,072
2026-03-19 DONAGHY STEPHEN J Chief Executive Officer — 13,566 — —
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
1,603.91
+5.48%
1,520.54
+9.27%
1,391.58
+13.82%
1,222.66
Operating Revenue
1,603.91
+5.48%
1,520.54
+9.27%
1,391.58
+13.82%
1,222.66
Selling General And Administration
118.30
+8.89%
108.64
+13.10%
96.06
+5.98%
90.64
General And Administrative Expense
118.30
+8.89%
108.64
+13.10%
96.06
+5.98%
90.64
Other Gand A
118.30
+8.89%
108.64
+13.10%
96.06
+5.98%
90.64
Total Expenses
1,360.85
-5.23%
1,435.92
+10.18%
1,303.23
+4.27%
1,249.90
Reconciled Depreciation
6.44
+5.35%
6.12
-16.35%
7.31
+0.23%
7.30
EBIT
248.78
+175.27%
90.38
-4.03%
94.17
+541.27%
-21.34
Net Income
182.95
+210.47%
58.93
-11.81%
66.82
+400.23%
-22.26
Pretax Income
243.07
+187.28%
84.61
-4.23%
88.35
+424.25%
-27.25
Net Non Operating Interest Income Expense
-6.42
+0.83%
-6.48
+0.84%
-6.53
+1.18%
-6.61
Interest Expense Non Operating
5.71
-0.94%
5.77
-0.94%
5.82
-1.41%
5.91
Net Interest Income
-6.42
+0.83%
-6.48
+0.84%
-6.53
+1.18%
-6.61
Interest Expense
5.71
-0.94%
5.77
-0.94%
5.82
-1.41%
5.91
Other Income Expense
8.32
-1.14%
8.41
+13.05%
7.44
-3.29%
7.69
Tax Provision
60.12
+134.08%
25.68
+19.31%
21.53
+531.38%
-4.99
Tax Rate For Calcs
0.00
-18.75%
0.00
+24.59%
0.00
+33.33%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
182.95
+210.47%
58.93
-11.81%
66.82
+400.23%
-22.26
Net Income From Continuing Operation Net Minority Interest
182.95
+210.47%
58.93
-11.81%
66.82
+400.23%
-22.26
Net Income From Continuing And Discontinued Operation
182.95
+210.47%
58.93
-11.81%
66.82
+400.23%
-22.26
Net Income Continuous Operations
182.95
+210.47%
58.93
-11.81%
66.82
+400.23%
-22.26
Normalized Income
182.95
+210.47%
58.93
-11.81%
66.82
+400.23%
-22.26
Net Income Common Stockholders
182.94
+210.50%
58.92
-11.82%
66.81
+400.05%
-22.27
Diluted EPS
6.32
+214.43%
2.01
-9.46%
2.22
+408.33%
-0.72
Basic EPS
6.56
+216.91%
2.07
-7.59%
2.24
+411.11%
-0.72
Basic Average Shares
27.89
-2.13%
28.50
-4.46%
29.83
-3.00%
30.75
Diluted Average Shares
28.96
-1.09%
29.27
-2.90%
30.15
-1.96%
30.75
Diluted NI Availto Com Stockholders
182.94
+210.50%
58.92
-11.82%
66.81
+400.05%
-22.27
Loss Adjustment Expense
985.88
-9.33%
1,087.37
+9.54%
992.64
+5.78%
938.40
Net Policyholder Benefits And Claims
985.88
-9.33%
1,087.37
+9.54%
992.64
+5.78%
938.40
Policyholder Benefits Ceded
15.39
-97.79%
697.77
+1186.97%
54.22
-94.76%
1,034.14
Policyholder Benefits Gross
1,001.27
-43.91%
1,785.13
+70.52%
1,046.85
-46.93%
1,972.54
Preferred Stock Dividends
0.01
+0.00%
0.01
+0.00%
0.01
+0.00%
0.01
Total Other Finance Cost
0.71
+0.00%
0.71
+0.00%
0.71
+0.71%
0.70
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
2,839.70
-0.08%
2,841.86
+22.68%
2,316.56
-19.85%
2,890.15
Cash Cash Equivalents And Short Term Investments
571.79
-62.59%
1,528.52
+4.58%
1,461.64
+4.15%
1,403.33
Cash And Cash Equivalents
408.87
+57.60%
259.44
-34.70%
397.31
+2.21%
388.71
Other Short Term Investments
162.92
-87.16%
1,269.08
+19.24%
1,064.33
+4.90%
1,014.63
Receivables
308.64
-56.26%
705.55
+138.23%
296.17
-66.34%
879.95
Accounts Receivable
308.64
-56.26%
705.55
+138.23%
296.17
-66.28%
878.42
Taxes Receivable
—
—
0.00
-100.00%
1.53
Prepaid Assets
291.03
+10.78%
262.72
+11.20%
236.25
-16.35%
282.43
Net PPE
49.35
+1.43%
48.65
+2.15%
47.63
-7.35%
51.40
Investments And Advances
1,527.14
+12.05%
1,362.95
+17.98%
1,155.26
+5.01%
1,100.10
Long Term Equity Investment
10.69
-33.68%
16.12
+54.52%
10.43
0.00
Total Liabilities Net Minority Interest
2,288.66
-7.29%
2,468.61
+24.98%
1,975.26
-24.09%
2,602.26
Payables And Accrued Expenses
312.10
+23.45%
252.82
+8.36%
233.32
-42.11%
403.05
Payables
312.10
+23.45%
252.82
+8.36%
233.32
-42.11%
403.05
Accounts Payable
257.24
+16.75%
220.33
+14.84%
191.85
-50.10%
384.50
Other Payable
26.31
+1.45%
25.93
-27.13%
35.59
+91.93%
18.54
Total Tax Payable
28.55
+335.21%
6.56
+11.47%
5.89
0.00
Income Tax Payable
28.55
+335.21%
6.56
+11.47%
5.89
0.00
Current Debt And Capital Lease Obligation
—
—
14.60
0.00
Current Debt
—
—
14.60
0.00
Other Current Borrowings
—
—
14.60
0.00
Long Term Debt And Capital Lease Obligation
100.48
-0.75%
101.24
-0.75%
102.01
-0.74%
102.77
Long Term Debt
100.48
-0.75%
101.24
-0.75%
102.01
-0.74%
102.77
Stockholders Equity
551.03
+47.63%
373.25
+9.36%
341.30
+18.55%
287.90
Common Stock Equity
551.03
+47.63%
373.25
+9.36%
341.30
+18.55%
287.90
Capital Stock
0.48
+1.47%
0.47
+0.64%
0.47
+0.00%
0.47
Common Stock
0.48
+1.47%
0.47
+0.64%
0.47
+0.00%
0.47
Preferred Stock
0.00
0.00
0.00
0.00
Share Issued
48.23
+1.59%
47.48
+0.44%
47.27
+0.19%
47.18
Ordinary Shares Number
28.01
-0.31%
28.10
-3.00%
28.97
-4.68%
30.39
Treasury Shares Number
20.23
+4.35%
19.38
+5.90%
18.30
+9.01%
16.79
Additional Paid In Capital
124.32
+2.08%
121.78
+5.82%
115.09
+2.29%
112.51
Retained Earnings
757.45
+26.91%
596.85
+6.45%
560.69
+8.36%
517.46
Gains Losses Not Affecting Retained Earnings
-26.15
+58.60%
-63.17
+14.84%
-74.17
+28.53%
-103.78
Treasury Stock
305.06
+7.91%
282.69
+8.40%
260.78
+9.22%
238.76
Other Equity Adjustments
-26.15
+58.60%
-63.17
+14.84%
-74.17
+28.53%
-103.78
Total Equity Gross Minority Interest
551.03
+47.63%
373.25
+9.36%
341.30
+18.55%
287.90
Total Capitalization
651.52
+37.31%
474.49
+7.04%
443.30
+13.47%
390.67
Invested Capital
651.52
+37.31%
474.49
+7.04%
443.30
+13.47%
390.67
Total Debt
100.48
-0.75%
101.24
-0.75%
102.01
-0.74%
102.77
Net Tangible Assets
551.03
+47.63%
373.25
+9.36%
341.30
+18.55%
287.90
Tangible Book Value
551.03
+47.63%
373.25
+9.36%
341.30
+18.55%
287.90
Investments In Other Ventures Under Equity Method
10.69
-33.68%
16.12
+54.52%
10.43
0.00
Preferred Shares Number
—
—
—
0.01
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
381.49
+177.74%
137.36
+93.54%
70.97
-78.13%
324.51
Cash Flow From Continuing Operating Activities
381.49
+177.74%
137.36
+93.54%
70.97
-78.13%
324.51
Net Income From Continuing Operations
182.95
+210.47%
58.93
-11.81%
66.82
+400.23%
-22.26
Depreciation And Amortization
6.44
+5.35%
6.12
-16.35%
7.31
+0.23%
7.30
Other Non Cash Items
3.49
+124.87%
-14.05
-193.03%
15.10
+157.97%
-26.05
Stock Based Compensation
8.65
+6.59%
8.12
+178.36%
2.92
-38.31%
4.73
Asset Impairment Charge
—
—
—
—
Deferred Tax
2.57
+200.00%
-2.57
-158.29%
4.41
+136.36%
-12.13
Deferred Income Tax
2.57
+200.00%
-2.57
-158.29%
4.41
+136.36%
-12.13
Operating Gains Losses
-5.96
-418.33%
1.87
+23.34%
1.52
+2346.77%
0.06
Gain Loss On Investment Securities
-6.08
-444.31%
1.77
+101.94%
0.88
+954.22%
0.08
Unrealized Gain Loss On Investment Securities
1.18
+111.85%
-9.94
+17.52%
-12.05
-191.64%
13.14
Gain Loss On Sale Of PPE
0.13
+23.08%
0.10
-83.80%
0.64
+3157.14%
-0.02
Change In Working Capital
181.94
+118.64%
83.21
+472.94%
-22.31
-106.36%
350.67
Change In Receivables
394.78
+196.30%
-409.95
-170.28%
583.30
+195.09%
-613.42
Changes In Account Receivables
394.78
+196.30%
-409.95
-170.47%
581.76
+192.55%
-628.62
Change In Prepaid Assets
-28.32
-7.00%
-26.46
-157.31%
46.17
+211.44%
-41.43
Change In Payables And Accrued Expense
60.39
+83.62%
32.89
+117.84%
-184.32
-195.97%
192.07
Change In Payable
60.39
+83.62%
32.89
+117.84%
-184.32
-195.97%
192.07
Change In Account Payable
36.91
+29.63%
28.48
+114.78%
-192.65
-198.37%
195.84
Change In Other Current Assets
4.89
+160.83%
-8.04
-168.03%
-3.00
-251.70%
-0.85
Change In Other Current Liabilities
-8.95
+1.53%
-9.09
-128.88%
31.46
+0.62%
31.27
Investing Cash Flow
-113.61
+50.19%
-228.09
-1395.59%
-15.25
+89.75%
-148.86
Cash Flow From Continuing Investing Activities
-113.61
+50.19%
-228.09
-1395.59%
-15.25
+89.75%
-148.86
Net PPE Purchase And Sale
-4.40
+39.42%
-7.26
-82.55%
-3.98
+17.18%
-4.80
Purchase Of PPE
-4.44
+39.77%
-7.37
-83.33%
-4.02
+17.96%
-4.90
Sale Of PPE
0.04
-62.96%
0.11
+157.14%
0.04
-56.70%
0.10
Capital Expenditure
-4.44
+39.77%
-7.37
-83.33%
-4.02
+17.96%
-4.90
Net Investment Purchase And Sale
-109.21
+49.92%
-218.07
-1834.26%
-11.27
+92.17%
-144.05
Purchase Of Investment
-460.14
-18.55%
-388.13
-110.17%
-184.67
+33.24%
-276.64
Sale Of Investment
350.93
+106.35%
170.06
-1.92%
173.40
+30.78%
132.59
Net Other Investing Changes
—
—
—
—
Financing Cash Flow
-52.12
-10.59%
-47.13
-0.02%
-47.12
-25.80%
-37.46
Cash Flow From Continuing Financing Activities
-52.12
-10.59%
-47.13
-0.02%
-47.12
-25.80%
-37.46
Net Issuance Payments Of Debt
-1.47
+0.00%
-1.47
+0.00%
-1.47
+0.00%
-1.47
Issuance Of Debt
—
—
0.00
0.00
Repayment Of Debt
-1.47
+0.00%
-1.47
+0.00%
-1.47
+0.00%
-1.47
Long Term Debt Issuance
—
—
0.00
0.00
Long Term Debt Payments
-1.47
+0.00%
-1.47
+0.00%
-1.47
+0.00%
-1.47
Net Long Term Debt Issuance
-1.47
+0.00%
-1.47
+0.00%
-1.47
+0.00%
-1.47
Net Common Stock Issuance
-22.37
-2.08%
-21.91
+0.49%
-22.02
-89.14%
-11.64
Common Stock Payments
-22.37
-2.08%
-21.91
+0.49%
-22.02
-89.14%
-11.64
Common Stock Dividend Paid
-22.16
+0.68%
-22.32
+4.14%
-23.28
+2.08%
-23.77
Cash Dividends Paid
-22.18
+0.68%
-22.33
+4.13%
-23.29
+2.08%
-23.78
Repurchase Of Capital Stock
-22.37
-2.08%
-21.91
+0.49%
-22.02
-89.14%
-11.64
Proceeds From Stock Option Exercised
—
—
—
—
Net Other Financing Charges
-6.11
-330.07%
-1.42
-318.88%
-0.34
+39.25%
-0.56
Changes In Cash
215.76
+256.50%
-137.87
-1703.08%
8.60
-93.78%
138.20
Beginning Cash Position
262.08
-34.47%
399.94
+2.20%
391.34
+54.59%
253.14
End Cash Position
477.84
+82.33%
262.08
-34.47%
399.94
+2.20%
391.34
Free Cash Flow
377.06
+190.06%
129.99
+94.15%
66.95
-79.05%
319.62
Interest Paid Supplemental Data
5.71
-0.94%
5.77
-0.94%
5.82
+0.45%
5.80
Income Tax Paid Supplemental Data
35.56
+28.97%
27.57
+184.17%
9.70
+130.89%
4.20
Amortization Of Securities
0.62
-83.37%
3.75
-42.82%
6.56
-19.22%
8.12
Change In Income Tax Payable
23.10
+4459.06%
-0.53
-109.00%
5.89
0.00
Change In Tax Payable
23.10
+4459.06%
-0.53
-109.00%
5.89
0.00
Excess Tax Benefit From Stock Based Compensation
-1.11
-192.03%
1.21
+6125.00%
-0.02
-109.01%
0.22
Net Investment Properties Purchase And Sale
0.00
+100.00%
-2.76
0.00
+100.00%
-0.01
Preferred Stock Dividend Paid
-0.01
+0.00%
-0.01
+0.00%
-0.01
+0.00%
-0.01
Purchase Of Investment Properties
0.00
+100.00%
-2.76
0.00
+100.00%
-0.01
Sale Of Investment Properties
—
—
0.00
0.00
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

Trades
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