Universal Insurance/$UVE
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About Universal Insurance
Universal Insurance Holdings Inc is a private personal residential homeowner insurance company. The company develops, markets, and underwrites insurance products for consumers predominantly in the personal residential homeowners' lines of business and performs substantially all other insurance-related services for its primary insurance entities, including risk management, claims management, and distribution. The company generates revenue from the collection of premiums, earned net interest and dividend income from the investment portfolio, the collection of reinsurance recoverable and financing fees. The company's primary insurance subsidiaries, (UPCIC) and (APPCIC) provide insurance for personal residential: homeowners, renters/tenants, condo unit owners, and other related coverages.
Ticker
$UVE
Sector
Primary listing
NYSE
Employees
1,068
Headquarters
UVE Metrics
BasicAdvanced
$811M
12.55
$2.28
0.79
$0.77
2.24%
Price and volume
Market cap
$811M
Beta
0.79
52-week high
$30.48
52-week low
$20.32
Average daily volume
185K
Dividend rate
$0.77
Financial strength
Current ratio
0.576
Quick ratio
0.172
Long term debt to equity
22.032
Total debt to equity
22.032
Dividend payout ratio (TTM)
33.75%
Interest coverage (TTM)
15.12%
Profitability
EBITDA (TTM)
103.689
Gross margin (TTM)
28.19%
Net profit margin (TTM)
4.24%
Operating margin (TTM)
6.22%
Effective tax rate (TTM)
27.10%
Revenue per employee (TTM)
$1,470,000
Management effectiveness
Return on assets (TTM)
2.05%
Return on equity (TTM)
15.60%
Valuation
Price to earnings (TTM)
12.552
Price to revenue (TTM)
0.514
Price to book
1.75
Price to tangible book (TTM)
1.76
Price to free cash flow (TTM)
2.992
Free cash flow yield (TTM)
33.42%
Free cash flow per share (TTM)
9.569
Dividend yield (TTM)
2.69%
Forward dividend yield
2.24%
Growth
Revenue change (TTM)
5.64%
Earnings per share change (TTM)
-19.14%
3-year revenue growth (CAGR)
10.57%
10-year revenue growth (CAGR)
13.67%
3-year earnings per share growth (CAGR)
185.60%
10-year earnings per share growth (CAGR)
-1.01%
10-year dividend per share growth (CAGR)
3.82%
Bulls say / Bears say
In Q1 2025, Universal delivered adjusted diluted EPS of $1.44 and an adjusted return on common equity of 36.4%, driven by lower net loss ratios and higher investment income, underscoring strong profitability momentum (Business Wire).
In Q2 2025, the company reported a 29.4% adjusted ROCE and diluted adjusted EPS of $1.23, reflecting robust capital efficiency and resilient earnings amid market volatility (Business Wire).
Subsidiaries completed the 2025–2026 reinsurance program, establishing a $2.526 billion reinsurance tower and adding $352 million of multi-year capacity through 2026–2027, significantly enhancing catastrophe risk protection (Reuters).
Net combined ratio rose to 97.8% in Q2 2025, up 1.9 percentage points year-over-year, indicating underperforming underwriting margins and rising cost pressures (Investing.com).
Direct premiums written in Florida fell 2.5% year-over-year in Q2 2025, highlighting intensifying competition and pricing challenges in its core market (Reinsurance News).
Q2 2025 revenue significantly underperformed expectations, with core revenue of $400.9 million falling well below forecasts, raising concerns about the sustainability of premium growth (Investing.com).
Data summarised monthly by Lightyear AI. Last updated on 5 Oct 2025.
UVE News
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Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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FAQs
What’s the current market cap for Universal Insurance stock?
Universal Insurance (UVE) has a market cap of $811M as of October 27, 2025.
What is the P/E ratio for Universal Insurance stock?
The price to earnings (P/E) ratio for Universal Insurance (UVE) stock is 12.55 as of October 27, 2025.
Does Universal Insurance stock pay dividends?
Yes, the Universal Insurance (UVE) stock pays dividends to shareholders. As of October 27, 2025, the dividend rate is $0.77 and the yield is 2.24%. Universal Insurance has a payout ratio of 33.75% on a trailing twelve-month basis.
When is the next Universal Insurance dividend payment date?
The next Universal Insurance (UVE) dividend payment date is unconfirmed.
What is the beta indicator for Universal Insurance?
Universal Insurance (UVE) has a beta rating of 0.79. This means that it is less volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 0.5 would mean it moves half as much as the market.