UNIVERSAL INSURANCE HLDG, INC. (UVE) Stock Price

UVEStock

$47.12+68.59%52W

Market Cap$1.31B

P/E7.17x

PEG Ratio0.10

Div yield3.80%

Beta0.66

UVE Share Price Chart

Favorite Metrics

Price vs S&P 500 (26W)28.11%

Price vs S&P 500 (4W)9.35%

PEG Ratio0.10

VGM Score76.00

P/E Ratio (Annual)7.17x

Indicated Dividend Yield (Annual)3.80%

P/CF (Annual)3.44x

Book Value / Share (Quarterly)$22.89

P/TBV (Annual)1.71x

Indicated Dividend (Annual)$0.64

Revenue Growth (3Y)9.47%

Cash Flow / Share (Quarterly)$12.21

Payout Ratio (TTM)10.07%

Price vs S&P 500 (YTD)27.48%

Net Profit Margin (TTM)13.49%

EPS (TTM)$7.59

10-Day Avg Trading Volume0.21M

EPS Excl Extra (TTM)$7.59

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)5.96x

Revenue Growth QoQ (YoY)6.72%

EPS Growth (5Y)60.30%

P/E Normalized (Annual)7.17x

ROA (Last FY)6.44%

Revenue Growth TTM (YoY)3.96%

EBITD / Share (TTM)$10.11

ROE (5Y Avg)13.11%

Operating Margin (TTM)17.95%

Cash Flow / Share (Annual)$13.46

P/B Ratio2.06x

P/B Ratio (Quarterly)1.81x

Net Income / Employee (Annual)$196,900

EV / Revenue (TTM)0.54x

Net Interest Coverage (TTM)-0.67x

ROA (TTM)7.33%

EPS Growth QoQ (YoY)68.83%

EV / EBITDA (TTM)3.00x

EPS Incl Extra (Annual)$6.32

Current Ratio (Annual)4.05x

Quick Ratio (Quarterly)0.08x

3-Month Avg Trading Volume0.20M

52-Week Price Return68.59%

EV / Free Cash Flow (Annual)2.33x

P/E Incl Extra (TTM)5.96x

Revenue / Employee (TTM)$1,754,000

Tangible BV / Share (Quarterly)$10.33

P/S Ratio (Annual)0.82x

Asset Turnover (Annual)0.56x

52-Week High$47.69

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 Return38.02%

Quick Ratio (Annual)0.08x

13-Week Price Return21.10%

Total Debt / Equity (Annual)0.18x

Current Ratio (Quarterly)4.13x

Enterprise Value$877.06M

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 Dev31.45%

Net Income / Employee (TTM)$236,700

EBITDA CAGR (5Y)53.48%

EBITDA Interim CAGR (5Y)21.47%

ROE (Last FY)33.20%

Net Interest Coverage (Annual)29.30x

EPS Basic Excl Extra (Annual)$6.32

P/FCF (TTM)3.86x

EV / Free Cash Flow (TTM)2.58x

Total Debt / Equity (Quarterly)0.15x

EPS Incl Extra (TTM)$7.59

ROI (TTM)32.90%

Dividend Growth Rate (5Y)0.46%

P/S Ratio (TTM)0.80x

Pretax Margin (5Y Avg)5.47%

Revenue / Share (Annual)$55.39

Tangible BV / Share (Annual)$9.47

Forward P/E8.99x

Free OCF CAGR (5Y)98.94%

Price vs S&P 500 (52W)53.05%

P/E Ratio (TTM)5.96x

EPS Growth TTM (YoY)232.46%

Year-to-Date Return39.41%

5-Day Price Return1.73%

EPS Normalized (Annual)$6.32

ROA (5Y Avg)2.32%

Net Profit Margin (Annual)11.41%

Month-to-Date Return11.95%

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)3.81x

ROI (5Y Avg)10.60%

P/E Excl Extra (TTM)5.96x

LT Debt / Equity (Quarterly)0.15x

EPS Basic Excl Extra (TTM)$7.59

P/TBV (Quarterly)1.63x

Payout Ratio (Annual)12.12%

P/B Ratio (Annual)1.72x

Dividend / Share (TTM)$0.79

Pretax Margin (TTM)17.95%

Book Value / Share (Annual)$19.67

Price vs S&P 500 (13W)18.41%

Net Margin Growth (5Y)45.00%

Dividend Yield (TTM)1.69%

Beta0.66x

P/FCF (Annual)3.48x

Revenue / Share (TTM)$56.11

ROE (TTM)38.78%

52-Week Low$27.89

vGradeB

gGradeB

mGradeA

vgmGradeB

UVE Earnings Surprise History

Quarter	Report date	EPS estimate	EPS actual	Surprise
Q2 2026	Jul 23, 2026	$1.43	$1.84	+28.67%(+$0.41)
Q1 2026	Apr 23, 2026	$1.39	$2.00	+43.88%(+$0.61)
Q4 2025	Feb 24, 2026	$1.30	$2.17	+66.99%(+$0.87)
Q3 2025	Oct 23, 2025	-$0.58	$1.36	+334.48%(+$1.94)
Q2 2025	Jul 24, 2025	$1.09	$1.23	+12.84%(+$0.14)

UVE Analyst Recommendations

Jun 2026

Jul 2026

Aug 2026

Sep 2026

3.83

2.33

Industry Peers — Property & Casualty Insurance(74)

Symbol	Value Score	Growth Score	Momentum Score	P/B Ratio (Quarterly)	ROE (TTM)	Indicated Dividend Yield (Annual)	Operating Margin (TTM)	Price
UVEUNIVERSAL INSURANCE HLDG, INC.	B	B	A	1.8x	38.8%	3.8%	17.9%	$47.12
BRK.BBERKSHIRE HATHAWAY Class B	F	C	B	1.4x	11.9%	—	13.9%	$532.02
BRK.ABerkshire Hathaway Inc.	F	C	B	1.4x	11.9%	—	13.9%	$798000.00
CBChubb Limited	D	C	B	1.8x	15.2%	1.5%	23.3%	$359.79
PGRProgressive Corporation	C	C	C	3.7x	35.4%	0.2%	16.6%	$218.49
TRVThe Travelers Companies, Inc.	D	C	A	2.1x	25.6%	2.3%	22.0%	$389.54
ALLThe Allstate Corporation	B	B	B	1.8x	43.1%	2.6%	24.2%	$247.88
AIGAmerican International Group, Inc.	C	D	C	1.0x	7.3%	2.2%	15.1%	$80.74
HIGThe Hartford Insurance Group, Inc.	C	C	C	1.9x	23.0%	2.4%	17.6%	$135.12
ACGLArch Capital Group Ltd	C	C	C	1.4x	19.5%	—	23.9%	$101.27
WRBW.R. Berkley Corporation	D	C	C	2.7x	19.7%	0.5%	17.4%	$75.42
CINFCincinnati Financial Corp	D	C	C	1.7x	20.9%	2.9%	16.6%	$171.25
MKLMarkel Group Inc.	C	C	D	1.3x	12.4%	—	18.6%	$1850.13
LLoews Corporation	D	C	C	1.2x	9.0%	0.4%	14.0%	$110.52
EGEverest Group, Ltd.	B	C	B	0.9x	12.4%	1.7%	14.3%	$389.10
RNRRenaissanceRe Holdings Ltd.	B	C	B	1.1x	22.7%	0.7%	42.0%	$351.06
CNACNA Financial Corporation	B	C	D	1.2x	11.0%	4.0%	11.2%	$47.90
AFGAmerican Financial Group, Inc.	D	D	B	2.4x	20.0%	2.5%	14.4%	$149.13
KNSLKinsale Capital Group, Inc.	F	B	C	3.7x	29.1%	0.2%	33.8%	$365.24
THGThe Hanover Insurance Group, Inc.	C	C	A	2.0x	21.2%	2.7%	14.6%	$232.97
AXSAxis Capital Holders Limited	B	B	D	1.2x	17.3%	3.2%	19.7%	$99.63
MCYMercury General Corp.	B	B	C	2.1x	37.2%	3.4%	18.8%	$102.80
RLIRLI Corp.	D	B	C	3.1x	24.4%	0.8%	28.5%	$61.07
SIGISelective Insurance Group	C	C	C	1.6x	13.9%	1.4%	11.9%	$89.16
WTMWhite Mountains Insurance Group Ltd.	C	B	C	1.0x	21.2%	0.0%	46.7%	$2160.31
PLMRPalomar Holdings, Inc. Common stock	F	A	B	3.4x	21.6%	1.5%	24.1%	$139.59
HGHamilton Insurance Group, Ltd. Class B Common Shares	B	B	B	1.2x	21.2%	0.0%	28.2%	$36.21
LMNDLemonade, Inc.	F	A	F	10.0x	-26.8%	—	-13.7%	$44.20
SLDESlide Insurance Holdings, Inc. Common Stock	B	A	A	1.9x	50.7%	1.3%	53.0%	$27.07
SPNTSiriusPoint Ltd.	C	B	C	1.2x	21.8%	—	22.0%	$25.12
SKWDSkyward Specialty Insurance Group, Inc. Common Stock	D	B	B	1.9x	16.8%	—	15.2%	$61.23
HCIHCI Group, Inc.	C	B	C	2.1x	30.8%	1.8%	48.8%	$198.55
PLGOPelagos Insurance Capital Limited	B	C	B	0.9x	17.3%	2.5%	19.5%	$25.36
HMNHorace Mann Educators Corporation	B	C	D	1.4x	12.0%	3.9%	14.6%	$46.33
KMPRKemper Corporation	B	F	C	0.7x	-19.3%	2.9%	-10.2%	$29.27
SAFTSafety Insurance Group Inc	D	D	A	1.3x	7.8%	4.7%	6.8%	$104.03
UFCSUnited Fire Group Inc.	C	B	A	1.4x	15.0%	3.0%	12.9%	$56.44
ASICAtegrity Specialty Insurance Company Holdings	D	A	A	1.7x	17.1%	—	20.6%	$27.25
BOWBowhead Specialty Holdings Inc.	D	B	B	2.1x	13.7%	—	14.7%	$34.19
HRTGHERITAGE INSURANCE HOLDINGS INC	B	C	A	1.4x	42.4%	2.8%	34.5%	$35.77
HIPOHippo Holdings Inc.	D	A	B	1.6x	27.4%	—	24.6%	$35.28
EIGEmployers Holdings, Inc.	D	D	B	1.1x	0.8%	2.9%	1.1%	$51.21
ROOTRoot, Inc. Class A Common Stock	B	C	D	2.0x	15.1%	—	5.2%	$50.47
MHLAMaiden Holdings, Ltd.	C	C	F	0.6x	-30.2%	—	-83.3%	$8.93
DGICBDonegal Group Inc	C	D	C	1.1x	11.0%	4.7%	9.2%	$19.09
DGICADonegal Group Inc	C	D	C	1.1x	11.0%	4.7%	9.2%	$18.68
TIPTTiptree Inc. Common Stock	A	C	D	0.7x	68.6%	1.1%	7.7%	$16.46
AIIAmerican Integrity Insurance Group, Inc.	B	C	B	1.0x	25.9%	0.0%	36.2%	$27.50
ACICAmerican Coastal Insurance Corporation Common Stock	C	D	C	1.6x	30.4%	0.0%	40.3%	$11.10
GLREGreenlight Captial RE, LTD. Class A	B	C	D	0.8x	7.3%	—	5.0%	$14.82
AMSFAMERISAFE, Inc.	C	D	F	2.5x	18.4%	2.6%	14.5%	$25.25

About UNIVERSAL INSURANCE HLDG, INC.

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.

UVE Next Earnings Report

Report dateOct 22, 2026

QuarterQ3 2026

Report timeAMC

EPS estimate$1.34

Revenue estimate$385.44M

Also reporting on Oct 22, 2026

Scheduled date with consensus estimates — both can change before the company reports.

Earnings calendar for October 2026

UVE Insider Transactions

SellSep 11, 2026
DOWNES SEAN P
Officer and Director
Shares: 20,000Value: $879,562
SellAug 5, 2026
DOWNES SEAN P
Officer and Director
Shares: 20,000Value: $885,364

Open-market buys and sells filed with the SEC over the last 90 days. Grants, gifts and option exercises are excluded.

All insider transactions for September 2026

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Same SIC sector, outside this company's own industry.

Analyst Sentiment

2.3

Sell

Consensus rating

52-Week Range

Low$27.89

High$47.69