UNIVERSAL INSURANCE HLDG, INC. (UVE)

Price$37.34

Value ScoreB

Growth ScoreB

Momentum ScoreB

Favorite Metrics

Price vs S&P 500 (26W)4.78%

Price vs S&P 500 (4W)-5.32%

VGM Score74.72

Market Capitalization$995.87M

P/E Ratio (Annual)5.44x

Indicated Dividend Yield (Annual)1.63%

All Metrics

P/CF (Annual)2.61x

Book Value / Share (Quarterly)$20.95

P/TBV (Annual)1.71x

Indicated Dividend (Annual)$0.64

Revenue Growth (3Y)9.47%

Cash Flow / Share (Quarterly)$12.35

Payout Ratio (TTM)11.36%

Price vs S&P 500 (YTD)2.32%

Net Profit Margin (TTM)12.22%

EPS (TTM)$6.76

10-Day Avg Trading Volume0.16M

EPS Excl Extra (TTM)$6.76

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)5.09x

Revenue Growth QoQ (YoY)-0.33%

EPS Growth (5Y)60.30%

P/E Normalized (Annual)5.44x

ROA (Last FY)6.44%

Revenue Growth TTM (YoY)3.57%

EBITD / Share (TTM)$8.96

ROE (5Y Avg)13.11%

Operating Margin (TTM)16.18%

Cash Flow / Share (Annual)$13.46

P/B Ratio1.70x

P/B Ratio (Quarterly)1.63x

Net Income / Employee (Annual)$196,900

EV / Revenue (TTM)0.31x

Net Interest Coverage (TTM)-0.67x

ROA (TTM)6.54%

EPS Growth QoQ (YoY)30.78%

EV / EBITDA (TTM)1.93x

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 Return36.13%

EV / Free Cash Flow (Annual)1.33x

P/E Incl Extra (TTM)5.09x

Revenue / Employee (TTM)$1,725,100

Tangible BV / Share (Quarterly)$10.33

P/S Ratio (Annual)0.62x

Asset Turnover (Annual)0.56x

52-Week High$41.96

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 Return12.71%

Quick Ratio (Annual)0.08x

13-Week Price Return5.51%

Total Debt / Equity (Annual)0.18x

Current Ratio (Quarterly)4.13x

Enterprise Value$500.39M

Revenue / Share Growth (5Y)10.56%

Asset Turnover (TTM)0.54x

Book Value / Share Growth (5Y)6.38%

Revenue / Employee (Annual)$1,726,500

Pretax Margin (Annual)15.15%

Cash / Share (Annual)$12.79

3-Month Return Std Dev38.95%

Net Income / Employee (TTM)$210,800

EBITDA CAGR (5Y)53.48%

EBITDA Interim CAGR (5Y)14.52%

ROE (Last FY)33.20%

Net Interest Coverage (Annual)29.30x

EPS Basic Excl Extra (Annual)$6.32

P/FCF (TTM)2.89x

EV / Free Cash Flow (TTM)1.45x

Total Debt / Equity (Quarterly)0.17x

EPS Incl Extra (TTM)$6.76

ROI (TTM)31.36%

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/E7.96x

Free OCF CAGR (5Y)98.94%

Price vs S&P 500 (52W)11.76%

P/E Ratio (TTM)5.09x

EPS Growth TTM (YoY)195.90%

Year-to-Date Return10.47%

5-Day Price Return3.04%

EPS Normalized (Annual)$6.32

ROA (5Y Avg)2.32%

Net Profit Margin (Annual)11.41%

Month-to-Date Return0.86%

Cash Flow / Share (TTM)$2.38

EBITD / Share (Annual)$8.62

EPS Growth (3Y)45.63%

Operating Margin (Annual)15.15%

LT Debt / Equity (Annual)0.00x

P/CF (TTM)2.85x

ROI (5Y Avg)10.60%

P/E Excl Extra (TTM)5.09x

LT Debt / Equity (Quarterly)0.17x

EPS Basic Excl Extra (TTM)$6.76

P/TBV (Quarterly)1.63x

Payout Ratio (Annual)12.12%

P/B Ratio (Annual)1.72x

Dividend / Share (TTM)$0.79

Pretax Margin (TTM)16.18%

Book Value / Share (Annual)$19.67

Price vs S&P 500 (13W)-2.74%

Net Margin Growth (5Y)45.00%

Dividend Yield (TTM)2.23%

Beta0.75x

P/FCF (Annual)2.64x

Revenue / Share (TTM)$55.59

ROE (TTM)37.50%

52-Week Low$21.96

vGradeB

gGradeB

mGradeB

vgmGradeB

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Earnings Surprise History

Q1 262.00est. 1.40

Analyst Recommendations

Feb 2026

Mar 2026

Apr 2026

May 2026

4.00

3.83

Industry Peers — Property & Casualty Insurance(73)

Symbol	Value Score	Growth Score	Momentum Score	Price
UVEUNIVERSAL INSURANCE HLDG, INC.	B	B	B	$37.34
BRK.ABerkshire Hathaway Inc.	F	C	C	$733550.00
BRK.BBERKSHIRE HATHAWAY Class B	F	C	C	$488.13
CBChubb Limited	D	B	B	$326.27
PGRProgressive Corporation	C	B	D	$204.02
TRVThe Travelers Companies, Inc.	C	B	B	$303.25
ALLThe Allstate Corporation	B	B	B	$221.01
AIGAmerican International Group, Inc.	C	D	D	$75.49
HIGThe Hartford Insurance Group, Inc.	C	B	C	$132.14
ACGLArch Capital Group Ltd	C	B	D	$91.19
ACGLNArch Capital Group Ltd. Depositary Shares, each Representing a 1/1,000th Interest in a 4.550% Non-Cumulative Preferred Share, Series G	C	B	D	$16.36

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.