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Company Analysis

UNIVERSAL INSURANCE HOLDINGS IN UVE

A comprehensive view of key metrics, scores, and financial health for UNIVERSAL INSURANCE HOLDINGS IN

Overview of Universal Insurance Holdings, Inc.

UVE NYQ
Financial Services Insurance - Property & Casualty Small Cap
Universal Insurance Holdings, Inc. (UVE), is a Small Cap company, in the Insurance - Property & Casualty industry, last closed at $34.28, about 48.1% overvalued vs fair value, +56.7% 1Y return, ranked 465/1004 in sector.
$34.28
0.73%
As of March 13, 2026
Previous close • Vol 90d: 34.4%
52-Week Range
Market Cap
$985.30M
Enterprise Value
$607.94M
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.universalinsurance...
HQ Fort Lauderdale, FL
Employees 1,068
Fiscal year Dec 31

Next Events

Earnings Apr 23 Estimated

Fair Value Snapshot

Bear Base Bull
$10
$18
$33
Current: $34.28 -48% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Expense
$4.8M
Net Interest Income
$-6.5M
0.8%%
Total Revenue
$1.6B
5.5%%
Fee/Non-Interest Income
$1.6B
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
15.8%
Excellent

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$21.9M
37.2% of Net Income

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
0
Active Leaks
0/0
Improving
0
High Impact
0
Critical
Moat Analysis Corporate Default

Competitive Advantage Assessment

Evaluating UNIVERSAL INSURANCE HOLDINGS IN's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
60
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Developing
49
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Generic Industrial / Default vs Industry Peers 96% Coverage
Trade-Off Triangle Visualization A ternary plot showing UVE's balance between Growth (28.5%), Profitability (35.7%), and Safety (35.9%). Growth 28% Safety 36% Profitability 36%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

42th percentile vs peers
43
Key Signals
EPS CAGR 3Y 45.6% 84p Revenue CAGR 3Y 9.5% 48p Rev Growth YoY 5.5% 26p TSR 60.5% 67p EPS Growth YoY -9.2% 14p
Strengths
  • Eps Cagr 3Y in top 20% of peers (45.6%, 84th percentile)
  • Current Ratio in top 20% of peers (19.39, 85th percentile)
  • Consistently strong margins across 4 metrics
  • Strong liquidity position vs peers
Risks
  • Eps Growth Yoy in bottom 20% of peers (-9.2%)

Profitability

53th percentile vs peers
53
Key Signals
Strengths
Risks
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Safety

53th percentile vs peers
54
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for UNIVERSAL INSURANCE HOLDINGS IN.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
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Bear
-
- - -
- upside
-
Base
$17.79
- - -
-48.1% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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