Universal Insurance Holdings, Inc.
UVE · Price history
Price at last available close
$45.85
+$1.63 (+3.69%) 1M
2026-10-09
Tap or drag sideways to inspect a price. Use two fingers to compare automatically. Release to scroll. Use Shift + arrow keys to compare with a keyboard.
Company & revenue
About Universal Insurance Holdings, Inc.
Who they are
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.
Detailed revenue, brand and relationship research has not yet been completed for UVE.
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
80
Strong
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
79
Strong
Financial Strength
87
Business Quality / Moat
90
Management
100
Growth Quality
29
Risk / Durability
64
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
75
Fair
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
73/100
Building Historical Record
Model Score 73/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
Click for full breakdown →
WSS View
The quick read
The overall Wall Street Score is strong across its combined quality, valuation and risk inputs. Review Company Quality separately to assess the business without its share price.
At today’s price, the WSS valuation framework currently reads as relatively attractive.
The model outlook is currently positive.
- •Strong overall Wall Street Score
- •Balance-sheet / debt profile scores strongly
- •Valuation scores attractively
- •Recent buyback activity is present
- •Revenue fundamentals are weak
Company-specific research
Questions worth answering for UVE
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •Can UVE maintain its current revenue growth rate and improve the amount of that revenue that turns into earnings and cash?
- •Is UVE's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
- •How is UVE likely to use its cash advantage: reinvestment, acquisitions, debt reduction, dividends or buybacks?
- •Is UVE's valuation discount tied to a temporary concern or to a longer-term business risk?
Essential Investment Snapshot
Wall Street Score
80
Opportunity Score
75
Market Cap
$1.28B
P/E Ratio
5.4
EPS
$7.91
52-Week High
$45.15
52-Week Low
$25.58
Beta
0.73
Intrinsic Value
$214.04
Analyst Target
$45.00
Shares Outstanding
28.8M
Total Revenue
$1.62B
Total Debt
$97.9M
Reported Dividend Yield
1.85%
Liquidation Value / Share
$22.12
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Building upward momentum
Low movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for UVE
Detected from reported data — verify before acting.Dividend history reported
The provider reports a dividend yield. Confirm the latest declaration before treating it as a current payment.
Historical repurchase activity
Reported cash flows or share-count measures indicate past repurchase activity. This does not verify an active buyback authorization or future purchases.
Community Sentiment
0 active · 0 total callsNo personal call yet on UVE.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Positive free cash flow may provide capacity to invest in growth.
Potential downside factors
- −Key risks may include competition, margin pressure, debt levels, valuation risk, and changes in demand within the Insurance - Property & Casualty industry.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
Create a free account to make a call.
Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
2 historical score records availablePrevious Score
79
Jul 24, 2026
Change
+1.3
points
Current Score
80
Oct 1, 2026
Category Changes
UVE increased 1.3 points because Valuation improved by 15 points.
Positive Contributors
- + Valuation improved by 15 points
Negative Contributors
- − Revenue declined by 2.1 points
Projected Score
Projected Score
85
Projected Change
+4.8%
Preliminary comparable-period financial changes suggest improvement of approximately 4.8 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
Review model assumptionsThis model estimate is more than three times the share price.
For insurers, earnings can vary sharply with claims and investment gains. Review normalized earnings and book value before relying on this growth-based estimate.
Stored EPS: $7.91 · Growth assumption: 7.1% · Earnings multiplier: 22.7×.
Current Price
$45.85
Model Intrinsic Value
$214.04
Difference
−$168.19
-78.6% vs IV
Margin of Safety
78.6%
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.62B | $1.60B | $1.52B | $1.39B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Cost of Revenue | $1.01B | $985.9M | $1.32B | $1.20B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Gross Profit | $612.2M | $609.7M | $199.7M | $190.9M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Research & Development | $0.00 | $0.00 | $0.00 | $0.00 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| SG&A Expenses | $100.9M | $0.00 | $108.6M | $96.1M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Expenses | $319.6M | $366.7M | $115.1M | $102.6M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| EBITDA | $306.2M | $256.6M | $96.5M | $101.5M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Income | $292.5M | $243.1M | $84.6M | $88.3M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Interest Expense | $5.6M | $4.8M | $5.8M | $5.8M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Before Tax | $292.5M | $243.1M | $84.6M | $88.3M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Tax Expense | $72.6M | $60.1M | $25.7M | $21.5M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Net Income | $219.9M | $183.0M | $58.9M | $66.8M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic EPS | $7.91 | $6.56 | $2.07 | $2.24 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic Shares | 27.85M | 27.85M | 28.50M | 29.83M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Diluted Shares | 28.81M | 28.81M | 29.27M | 30.15M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
Earnings Summary
Earnings analysis is not currently available.
Insider Activity
Guru / Smart Money
Guru Score
Smart Money
Number of Gurus
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
A dividend is reported, but detailed payment history is temporarily unavailable or awaiting refresh.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium unlocks the full historical outperformance record: completed predictions, results chart, win rate, and calibration statistics.
Start 7-Day Free TrialHistorical Trends
2 historical records2 historical score records available.
Historical Score Chart
2 of 2 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
Related Companies
Insurance - Property & CasualtyCINF
Cincinnati Financial Corporation
SLDE
Slide Insurance Holdings, Inc. Common Stock
ALL
The Allstate Corporation
PGR
The Progressive Corporation
MKL
Markel Corporation
HRTG
Heritage Insurance Holdings, Inc.
News
Bank of America Corp DE Purchases New Stake in Universal Insurance Holdings Inc $UVE
UVE Near 52-Week High: Time to Buy, Sell or Hold the Stock?
Global Commercial Pricing Soft: 4 P&C Insurers to Protect Portfolio
Are Investors Undervaluing Universal Insurance Holdings (UVE) Right Now?
Related Stock Research
Continue researching this company with related Wall Street Score rankings and investing guides.
Score Alerts
Premium unlocks alerts when a score rises, falls, or reaches your target price.
Start 7-Day Free TrialPortfolio Score
Premium unlocks portfolio scoring, strongest and weakest holdings, and overall margin of safety.
Start 7-Day Free Trial