Universal Insurance/$UVE
1D1W1MYTD1Y5YMAX
Capital at risk
About Universal Insurance
Universal Insurance Holdings Inc is an insurance holding company. Through its subsidiaries, the company mainly offers property and casualty insurance and value-added insurance services. It develops, markets, and underwrites insurance products for consumers predominantly in the personal residential homeowners lines of business and performs all other insurance-related services for its primary insurance entities, including risk management, claims management, and distribution. The group offers the following types of personal residential insurance: homeowners, renters/tenants, condo unit owners, and dwelling/fire, through an independent agent network and online distribution channels across multiple states in the United States of America.
- Ticker
- $UVE
- Sector
- Finance
- Primary listing
- NYSE
- Employees
- 929
- Headquarters
- Fort Lauderdale, United States
UVE Metrics
BasicAdvanced
$1.2B
5.79
$7.61
0.73
$0.77
1.45%
Price and volume
Market cap
$1.2B
Beta
0.73
52-week high
$45.15
52-week low
$24.50
Average daily volume
171K
Dividend rate
$0.77
Financial strength
Current ratio
0.55
Quick ratio
0.251
Long term debt to equity
0.153
Total debt to equity
0.154
Dividend payout ratio (TTM)
10.07%
Interest coverage (TTM)
44.07%
Profitability
EBITDA (TTM)
305.723
Gross margin (TTM)
25.87%
Net profit margin (TTM)
13.49%
Operating margin (TTM)
18.37%
Effective tax rate (TTM)
24.83%
Revenue per employee (TTM)
$1,750,000
Management effectiveness
Return on assets (TTM)
5.68%
Return on equity (TTM)
40.17%
Valuation
Price to earnings (TTM)
5.792
Price to revenue (TTM)
0.748
Price to book
1.93
Price to tangible book (TTM)
1.93
Price to free cash flow (TTM)
3.588
Free cash flow yield (TTM)
27.87%
Free cash flow per share (TTM)
12.284
Dividend yield (TTM)
1.75%
Forward dividend yield
1.45%
Growth
Revenue change (TTM)
3.96%
Earnings per share change (TTM)
232.78%
3-year revenue growth (CAGR)
7.84%
10-year revenue growth (CAGR)
9.57%
3-year earnings per share growth (CAGR)
246.50%
10-year earnings per share growth (CAGR)
8.68%
10-year dividend per share growth (CAGR)
2.10%
Bulls say / Bears say
Underwriting performance strengthened as UVE’s net combined ratio improved by 6.2 percentage points to 91.6% in Q2 2026, reflecting disciplined underwriting and lower loss costs (The Insurer)
UVE delivered adjusted earnings of $1.84 per share in Q2 2026, a 49.6% year-over-year increase that significantly outpaced consensus estimates of $1.57, underscoring strong revenue and loss management (Investing.com)
Capital efficiency was robust, with UVE reporting an annualized return on common equity of 38.8% in Q2 2026, demonstrating strong profit generation relative to shareholder equity (MarketChameleon)
High geographic concentration in Florida exposes UVE to hurricane volatility and potential catastrophic losses, and even with a $2.623 billion reinsurance tower, an extreme event could strain surplus and earnings (MetaTrader)
Premium growth in UVE's largest market decelerated, with Florida premiums rising just 0.8% year-over-year in Q2 2026, raising concerns about top-line momentum as rate adequacy levels off (EveryTicker)
UVE remains exposed to potential future regulatory changes and an evolving Florida litigation environment, which could increase claims costs and pressure underwriting margins (MetaTrader)
Data summarised monthly by Lightyear AI. Last updated on 20 Aug 2026.
Upcoming events
No upcoming events
UVE News
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Funds containing UVE
AllEURUSDGBP
Fund name | Fund size | $UVE weighting |
|---|---|---|
SPDR Russell 2000 US Small Cap€R2US | €4.8B | 0.04% |
iShares MSCI World Small Cap$WSML | $9B | 0.01% |
iShares MSCI World Small Cap€IUSN | €7.8B | 0.01% |
iShares MSCI USA Small Cap ESG Enhanced CTB€SXRG | €2.8B | 0.01% |
iShares MSCI USA Small Cap CTB Enhanced ESG£CUS1 | £2.4B | 0.01% |
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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