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
Industry
Insurance
Headquarters
Employees
1,068
ISIN
US91359V1070
UVE Metrics
BasicAdvanced
$707M
10.96
$2.29
0.83
$0.77
2.55%
Price and volume
Market cap
$707M
Beta
0.83
52-week high
$28.49
52-week low
$20.32
Average daily volume
271K
Dividend rate
$0.77
Financial strength
Current ratio
0.581
Quick ratio
0.218
Long term debt to equity
23.924
Total debt to equity
23.924
Dividend payout ratio (TTM)
33.77%
Interest coverage (TTM)
15.32%
Profitability
EBITDA (TTM)
106.649
Gross margin (TTM)
29.06%
Net profit margin (TTM)
4.31%
Operating margin (TTM)
6.40%
Effective tax rate (TTM)
27.95%
Revenue per employee (TTM)
$1,450,000
Management effectiveness
Return on assets (TTM)
2.56%
Return on equity (TTM)
16.95%
Valuation
Price to earnings (TTM)
10.956
Price to revenue (TTM)
0.459
Price to book
1.68
Price to tangible book (TTM)
1.68
Price to free cash flow (TTM)
3.014
Free cash flow yield (TTM)
33.18%
Free cash flow per share (TTM)
833.48%
Dividend yield (TTM)
3.07%
Forward dividend yield
2.55%
Growth
Revenue change (TTM)
7.24%
Earnings per share change (TTM)
-10.27%
3-year revenue growth (CAGR)
10.51%
10-year revenue growth (CAGR)
14.52%
3-year earnings per share growth (CAGR)
83.78%
10-year earnings per share growth (CAGR)
-0.13%
10-year dividend per share growth (CAGR)
4.30%
Bulls say / Bears say
Universal Insurance Holdings (UVE) has consistently surpassed earnings and revenue estimates in recent quarters, indicating strong financial performance and operational efficiency. (Nasdaq)
The company offers a competitive dividend yield of approximately 3.17%, appealing to income-focused investors and reflecting financial stability. (FullRatio)
Analysts project a 16% upside in UVE's stock price over the next 12 months, suggesting potential for capital appreciation. (Alpha Spread)
UVE's heavy concentration in Florida exposes it to significant risks from natural disasters, as evidenced by recent hurricanes impacting the region. (Seeking Alpha)
Despite increased revenues, the company's operating income has declined due to higher weather-related losses and expansion costs outside Florida, raising concerns about profitability. (Seeking Alpha)
The combined ratio remains unprofitable, indicating that the company's underwriting expenses and claims are exceeding premiums earned, which could impact future financial performance. (Seeking Alpha)
Data summarised monthly by Lightyear AI. Last updated on 12 Jul 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.
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.
Capital at risk
Upcoming events
Aug1
Universal Insurance
Dividend·Ex-dividend
Aug8
Universal Insurance
Dividend·Payment
$0.16Per share
FAQs
What’s the current market cap for Universal Insurance stock?
Universal Insurance (UVE) has a market cap of $707M as of July 19, 2025.
What is the P/E ratio for Universal Insurance stock?
The price to earnings (P/E) ratio for Universal Insurance (UVE) stock is 10.96 as of July 19, 2025.
Does Universal Insurance stock pay dividends?
Yes, the Universal Insurance (UVE) stock pays dividends to shareholders. As of July 19, 2025, the dividend rate is $0.77 and the yield is 2.55%. Universal Insurance has a payout ratio of 33.77% on a trailing twelve-month basis.
When is the next Universal Insurance dividend payment date?
The next Universal Insurance (UVE) dividend payment is scheduled for August 08, 2025.
What is the beta indicator for Universal Insurance?
Universal Insurance (UVE) has a beta rating of 0.83. 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.