UNIVERSAL INSURANCE HLDG, INC. (UVE) Stock Price

UVEStock

$43.29+77.31%52W

Market Cap$1.20B

P/E6.48x

PEG Ratio0.09

Div yield3.80%

Beta0.70

UVE Share Price Chart

Favorite Metrics

Price vs S&P 500 (26W)28.01%

Price vs S&P 500 (4W)-4.45%

PEG Ratio0.09

VGM Score76.30

P/E Ratio (Annual)6.48x

Indicated Dividend Yield (Annual)3.80%

P/CF (Annual)3.11x

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)17.04%

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)5.39x

Revenue Growth QoQ (YoY)6.72%

EPS Growth (5Y)60.30%

P/E Normalized (Annual)6.48x

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 Ratio1.86x

P/B Ratio (Quarterly)1.81x

Net Income / Employee (Annual)$196,900

EV / Revenue (TTM)0.46x

Net Interest Coverage (TTM)-0.67x

ROA (TTM)7.33%

EPS Growth QoQ (YoY)68.83%

EV / EBITDA (TTM)2.57x

EPS Incl Extra (Annual)$6.32

Current Ratio (Annual)4.05x

Quick Ratio (Quarterly)0.08x

3-Month Avg Trading Volume0.22M

52-Week Price Return77.31%

EV / Free Cash Flow (Annual)1.99x

P/E Incl Extra (TTM)5.39x

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

Tangible BV / Share (Quarterly)$10.33

P/S Ratio (Annual)0.74x

Asset Turnover (Annual)0.56x

52-Week High$45.15

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 Return39.25%

Quick Ratio (Annual)0.08x

13-Week Price Return9.82%

Total Debt / Equity (Annual)0.18x

Current Ratio (Quarterly)4.13x

Enterprise Value$750.57M

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 Dev40.78%

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)3.49x

EV / Free Cash Flow (TTM)2.21x

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)0.73x

Pretax Margin (5Y Avg)5.47%

Revenue / Share (Annual)$55.39

Tangible BV / Share (Annual)$9.47

Forward P/E9.43x

Free OCF CAGR (5Y)98.94%

Price vs S&P 500 (52W)59.00%

P/E Ratio (TTM)5.39x

EPS Growth TTM (YoY)232.46%

Year-to-Date Return28.99%

5-Day Price Return1.61%

EPS Normalized (Annual)$6.32

ROA (5Y Avg)2.32%

Net Profit Margin (Annual)11.41%

Month-to-Date Return-0.25%

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)3.44x

ROI (5Y Avg)10.60%

P/E Excl Extra (TTM)5.39x

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)7.03%

Net Margin Growth (5Y)45.00%

Dividend Yield (TTM)1.87%

Beta0.70x

P/FCF (Annual)3.14x

Revenue / Share (TTM)$56.11

ROE (TTM)38.78%

52-Week Low$24.03

vGradeB

gGradeB

mGradeA

vgmGradeB

UVE Earnings Surprise History

Q2 251.23est. 1.09

Q3 251.36est. -0.58

Q4 252.17est. 1.30

Q1 262.00est. 1.39

Q2 261.84est. 1.43

UVE Analyst Recommendations

May 2026

Jun 2026

Jul 2026

Aug 2026

3.83

2.33

Industry Peers — Property & Casualty Insurance(74)

Symbol	Value Score	Growth Score	Momentum Score	Price
UVEUNIVERSAL INSURANCE HLDG, INC.	B	B	A	$43.29
BRK.BBERKSHIRE HATHAWAY Class B	D	C	D	$504.32
BRK.ABerkshire Hathaway Inc.	D	C	D	$755365.00
CBChubb Limited	D	C	C	$343.11
PGRProgressive Corporation	C	C	C	$222.09
TRVThe Travelers Companies, Inc.	C	C	A	$369.66
ALLThe Allstate Corporation	B	B	B	$257.62
AIGAmerican International Group, Inc.	C	D	D	$76.38
HIGThe Hartford Insurance Group, Inc.	C	C	D	$138.22
ACGLArch Capital Group Ltd	C	C	C	$100.56
CINFCincinnati Financial Corp	D	C	C	$171.42
WRBW.R. Berkley Corporation	D	C	D	$68.48
LLoews Corporation	D	C	C	$110.81
MKLMarkel Group Inc.	C	C	D	$1808.90
EGEverest Group, Ltd.	B	C	C	$375.39
RNRRenaissanceRe Holdings Ltd.	B	C	B	$329.20
CNACNA Financial Corporation	B	C	C	$49.14
AFGAmerican Financial Group, Inc.	C	D	C	$143.66
KNSLKinsale Capital Group, Inc.	F	B	C	$387.95
THGThe Hanover Insurance Group, Inc.	C	C	B	$227.12
AXSAxis Capital Holders Limited	B	B	D	$99.41
RLIRLI Corp.	D	B	B	$64.90
MCYMercury General Corp.	B	B	B	$104.48
SIGISelective Insurance Group	C	C	C	$91.91
WTMWhite Mountains Insurance Group Ltd.	C	B	C	$2141.20
LMNDLemonade, Inc.	F	A	D	$54.42
PLMRPalomar Holdings, Inc. Common stock	F	A	C	$131.75
HGHamilton Insurance Group, Ltd. Class B Common Shares	B	A	B	$35.04
SPNTSiriusPoint Ltd.	C	B	B	$23.96
SLDESlide Insurance Holdings, Inc. Common Stock	B	A	A	$23.06
SKWDSkyward Specialty Insurance Group, Inc. Common Stock	D	B	B	$57.40
HCIHCI Group, Inc.	C	B	B	$185.69
HMNHorace Mann Educators Corporation	C	C	C	$51.02
PLGOPelagos Insurance Capital Limited	B	C	B	$24.16
KMPRKemper Corporation	B	F	D	$27.78
SAFTSafety Insurance Group Inc	D	C	A	$103.69
UFCSUnited Fire Group Inc.	C	B	B	$53.51
ASICAtegrity Specialty Insurance Company Holdings	D	A	A	$26.90
BOWBowhead Specialty Holdings Inc.	D	B	B	$33.60
HRTGHERITAGE INSURANCE HOLDINGS INC	B	B	A	$34.20
MHLAMaiden Holdings, Ltd.	C	D	F	$10.61
ROOTRoot, Inc. Class A Common Stock	B	C	D	$57.70
HIPOHippo Holdings Inc.	D	A	B	$33.60
DGICBDonegal Group Inc	C	D	C	$23.71
EIGEmployers Holdings, Inc.	D	D	B	$48.80
DGICADonegal Group Inc	C	D	C	$19.13
TIPTTiptree Inc. Common Stock	B	C	C	$18.40
AIIAmerican Integrity Insurance Group, Inc.	B	C	A	$26.34
GLREGreenlight Captial RE, LTD. Class A	B	B	C	$15.48
AMSFAMERISAFE, Inc.	D	D	F	$26.18
ACICAmerican Coastal Insurance Corporation Common Stock	B	C	F	$9.40

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.