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UNIVERSAL INSURANCE HLDG, INC. (UVE)
Price$35.55
Favorite Metrics
Price vs S&P 500 (26W)15.07%
Price vs S&P 500 (4W)-4.16%
Market Capitalization$990.93M
P/E Ratio (Annual)5.42x
Indicated Dividend Yield (Annual)1.80%
All Metrics
P/CF (Annual)2.60x
Book Value / Share (Quarterly)$19.67
P/TBV (Annual)1.71x
Indicated Dividend (Annual)$0.64
Revenue Growth (3Y)9.47%
Cash Flow / Share (Quarterly)$13.46
Payout Ratio (TTM)12.12%
Price vs S&P 500 (YTD)1.22%
Net Profit Margin (TTM)11.41%
EPS (TTM)$6.32
10-Day Avg Trading Volume0.17M
EPS Excl Extra (TTM)$6.32
Revenue Growth (5Y)8.38%
EPS (Annual)$6.32
Dividend / Share (Annual)$0.79
ROI (Annual)28.08%
Net Profit Margin (5Y Avg)4.02%
Cash / Share (Quarterly)$11.77
P/E Basic Excl Extra (TTM)5.42x
Revenue Growth QoQ (YoY)6.01%
EPS Growth (5Y)60.30%
P/E Normalized (Annual)5.42x
ROA (Last FY)6.44%
Revenue Growth TTM (YoY)5.48%
EBITD / Share (TTM)$8.62
ROE (5Y Avg)13.11%
Operating Margin (TTM)15.15%
Cash Flow / Share (Annual)$13.46
P/B Ratio1.80x
P/B Ratio (Quarterly)1.72x
Net Income / Employee (Annual)$0
EV / Revenue (TTM)0.43x
Net Interest Coverage (TTM)-0.67x
ROA (TTM)6.14%
EPS Growth QoQ (YoY)1001.69%
EV / EBITDA (TTM)2.74x
EPS Incl Extra (Annual)$6.32
Current Ratio (Annual)4.05x
Quick Ratio (Quarterly)0.08x
3-Month Avg Trading Volume0.19M
52-Week Price Return53.45%
EV / Free Cash Flow (Annual)1.81x
P/E Incl Extra (TTM)5.42x
Revenue / Employee (TTM)$2
Tangible BV / Share (Quarterly)$10.33
P/S Ratio (Annual)0.62x
Asset Turnover (Annual)0.56x
52-Week High$36.68
Operating Margin (5Y Avg)5.47%
EPS Excl Extra (Annual)$6.32
CapEx CAGR (5Y)-23.73%
Tangible BV CAGR (5Y)-8.13%
26-Week Price Return21.96%
Quick Ratio (Annual)0.08x
13-Week Price Return18.82%
Total Debt / Equity (Annual)0.18x
Current Ratio (Quarterly)4.13x
Enterprise Value$682.543
Revenue / Share Growth (5Y)10.56%
Asset Turnover (TTM)0.54x
Book Value / Share Growth (5Y)6.38%
Revenue / Employee (Annual)$2
Pretax Margin (Annual)15.15%
Cash / Share (Annual)$12.79
3-Month Return Std Dev32.34%
Net Income / Employee (TTM)$0
EBITDA CAGR (5Y)54.15%
ROE (Last FY)33.20%
Net Interest Coverage (Annual)29.30x
EPS Basic Excl Extra (Annual)$6.32
P/FCF (TTM)2.63x
EV / Free Cash Flow (TTM)1.81x
Total Debt / Equity (Quarterly)0.18x
EPS Incl Extra (TTM)$6.32
ROI (TTM)31.30%
Dividend Growth Rate (5Y)0.46%
P/S Ratio (TTM)0.62x
Pretax Margin (5Y Avg)5.47%
Revenue / Share (Annual)$55.39
Tangible BV / Share (Annual)$9.47
Forward P/E8.88x
Free OCF CAGR (5Y)98.94%
Price vs S&P 500 (52W)18.82%
P/E Ratio (TTM)5.42x
EPS Growth TTM (YoY)217.55%
Year-to-Date Return5.15%
5-Day Price Return4.10%
EPS Normalized (Annual)$6.32
ROA (5Y Avg)2.32%
Net Profit Margin (Annual)11.41%
Month-to-Date Return4.04%
Cash Flow / Share (TTM)$2.38
EBITD / Share (Annual)$8.84
EPS Growth (3Y)45.63%
Operating Margin (Annual)15.15%
LT Debt / Equity (Annual)0.00x
P/CF (TTM)2.60x
ROI (5Y Avg)10.60%
P/E Excl Extra (TTM)5.42x
LT Debt / Equity (Quarterly)0.18x
EPS Basic Excl Extra (TTM)$6.32
P/TBV (Quarterly)1.63x
Payout Ratio (Annual)12.12%
P/B Ratio (Annual)1.72x
Dividend / Share (TTM)$0.79
Pretax Margin (TTM)15.15%
Book Value / Share (Annual)$19.67
Price vs S&P 500 (13W)16.44%
Net Margin Growth (5Y)45.00%
Dividend Yield (TTM)2.24%
Beta0.71x
P/FCF (Annual)2.63x
Revenue / Share (TTM)$55.09
ROE (TTM)37.99%
52-Week Low$21.96
Analyst Recommendations
Jan 2026
Feb 2026
Mar 2026
Apr 2026
4.00
4.00
4.00
4.00
Industry Peers — Property & Casualty Insurance(68)
| Symbol | P/B Ratio (Quarterly) | ROE (TTM) | Indicated Dividend Yield (Annual) | Operating Margin (TTM) | Price |
|---|---|---|---|---|---|
UVEUNIVERSAL INSURANCE HLDG, INC. | 1.72x | 37.99% | 1.80% | 15.15% | $35.55 |
BRK.ABerkshire Hathaway Inc. | 1.51x | 9.78% | — | 12.04% | $706750.01 |
BRK.BBERKSHIRE HATHAWAY Class B | 1.51x | 9.78% | — | 12.04% | $472.08 |
CBChubb Limited | 1.67x | 14.69% | 1.18% | 22.32% | $327.35 |
PGRProgressive Corporation | 3.62x | 35.45% | 0.20% | 16.59% | $203.78 |
TRVThe Travelers Companies, Inc. | 1.94x | 24.14% | 1.66% | 20.20% | $300.78 |
ALLThe Allstate Corporation | 1.78x | 39.47% | 2.01% | 19.44% | $215.15 |
AIGAmerican International Group, Inc. | 1.12x | 7.50% | 2.29% | 15.97% | $78.56 |
HIGThe Hartford Insurance Group, Inc. | 2.02x | 21.37% | 1.73% | 17.34% | $138.94 |
ACGLArch Capital Group Ltd | 1.44x | 19.02% | — | 23.57% | $97.49 |
ACGLNArch Capital Group Ltd. Depositary Shares, each Representing a 1/1,000th Interest in a 4.550% Non-Cumulative Preferred Share, Series G | 1.44x | 19.02% | — | 23.57% | $17.27 |
About
Universal Insurance Holdings Inc is a property and casualty insurance company specializing in personal residential homeowners coverage. The company offers homeowners, renters, condo unit owners, and dwelling/fire insurance products across multiple U.S. states through independent agents and online distribution channels. Universal provides comprehensive insurance services including underwriting, claims management, and risk management for its insurance entities.