Universal Insurance/$UVE
1D1W1M3M6MYTD1Y5YMAX
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
$1.3B
6.05
$8.02
0.70
$0.77
1.32%
Price and volume
Market cap
$1.3B
Beta
0.7
52-week high
$50.75
52-week low
$28.32
Average daily volume
210K
Dividend rate
$0.77
Financial strength
Current ratio
0.531
Quick ratio
0.275
Total debt to equity
0.151
Interest coverage (TTM)
43.63%
Profitability
EBITDA (TTM)
323.575
Gross margin (TTM)
26.61%
Net profit margin (TTM)
13.94%
Operating margin (TTM)
19.02%
Effective tax rate (TTM)
24.95%
Revenue per employee (TTM)
$1,800,000
Management effectiveness
Return on assets (TTM)
6.32%
Return on equity (TTM)
40.76%
Valuation
Price to earnings (TTM)
6.05
Price to revenue (TTM)
0.802
Price to book
2.08
Price to tangible book (TTM)
2.08
Dividend yield (TTM)
1.59%
Forward dividend yield
1.32%
Growth
Revenue change (TTM)
5.51%
Earnings per share change (TTM)
89.54%
3-year revenue growth (CAGR)
7.40%
10-year revenue growth (CAGR)
9.57%
3-year earnings per share growth (CAGR)
50.01%
10-year earnings per share growth (CAGR)
9.51%
10-year dividend per share growth (CAGR)
1.71%
What the Analysts think about UVE
Analyst ratings (Buy, Hold, Sell) for Universal Insurance stock.
Analyst projections of the future price of Universal Insurance stock.
Bulls say / Bears say
Universal’s net combined ratio improved by 6.2 percentage points to 91.6% in Q2, as the loss ratio fell to 64.8%. That points to stronger underwriting margins and helped lift adjusted earnings per share to $1.84. (SEC)
Direct premiums written rose 4.1% and policies in force grew 7.1% in Q2, with premiums outside Florida up 14.4%. That faster growth beyond its home state offers a path to broaden the business geographically. (SEC)
Universal’s new catastrophe programme provides up to $2.623 billion of first-event cover above a $45 million retention, and it secured $352 million of multi-year capacity. This gives the insurer substantial protection against severe events and some visibility into future cover. (SEC)
UVE’s roughly 3,000 claims from about 20,000 Panhandle policies after Hurricane Isaias underline its exposure to severe weather. Reinsurance reduces the hit, but the company remains responsible for retained losses and losses outside its cover. (Insurance Journal, SEC)
Florida homeowners pricing is weakening: the state’s average requested rate change was a 4.8% cut in September. UVE’s Florida direct premiums grew just 0.8% in Q2, which could make continued growth harder if competition and rate reductions persist. (The Florida Press, SEC)
The faster-growing business outside Florida is adding cost: the net expense ratio rose 1.3 percentage points to 26.8%, mainly because of higher acquisition costs on that growth. If those costs persist, they could erode some of the benefit from lower claims. (SEC)
Data summarised monthly by Lightyear AI. Last updated on 13 Oct 2026.
UVE Financial Performance
Revenues and expenses
UVE Earnings Performance
Company profitability
Upcoming events
No upcoming events
UVE News
AllArticlesVideos
Funds containing UVE
Fund name | Fund size | $UVE weighting |
|---|---|---|
SPDR Russell 2000 US Small Cap£R2SC | $5.3B | 0.04% |
SPDR Russell 2000 US Small Cap€R2US | $5.3B | 0.04% |
SPDR MSCI USA Small Cap Value Weighted$USSC | $1.1B | 0.03% |
Xtrackers MSCI World Small Cap$XSWC | $183M | 0.01% |
iShares MSCI World Small Cap£WLDS | $9B | 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.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.