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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 Framework: Insurance & Reinsurance Small Cap
Universal Insurance Holdings, Inc. (UVE), is a Small Cap company, in the Insurance - Property & Casualty industry, last closed at $49.03, about 53.7% overvalued vs fair value, +49.6% 1Y return, ranked 348/1078 in sector.
Metrics P/E 5.3× Rev Growth 5.5% ROE 39.6% Gross Margin 38.0% Div Yield 2.34%
USD 49.03
1.09%
(Delayed)
• Vol 90d: 35.0%
52-Week Range
Market Cap
$1.36B
Enterprise Value
$922.36M
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Fair
Health
Fair
Efficiency
Good
Valuation
Weak
Growth
Fair
Profitability
Fair
Health
Fair
Efficiency
Good
Valuation
Weak
Completeness: 100%
Confidence: 96%
Updated: Oct 31
Top Beats

Quick Facts

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

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$13
$23
$43
Current: $49.03 -54% vs base

Engine Room Money Flow™

Small Cap

Insurance & Reinsurance - Where revenue goes and how value is created

Flow Steps
Total Revenue
$1.6B
5.5%%
Claims & Losses
-$985.9M
-25.4%%
Acquisition & Admin Expenses
$118.3M
Underwriting Result
$254.0M
200.2%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Insurance & Reinsurance

Quality & Reliability Indicators

Loss Ratio
61.5%
Good

Claims & Losses / Revenue — core underwriting discipline metric; lower is better

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$44.5M
24.3% 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 Insurance & Reinsurance

Competitive Advantage Assessment

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

Overall Moat Strength
56
/100
Moderate
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Strong Return on Equity ROE signal is strong (score 0.91), with ROE at 39.6% — indicating efficient capital deployment.
  • Improving Expense Discipline Over Time Efficiency trend is positive (score 0.73), suggesting improving operational cost discipline.

Key risks

  • Volatile Capital Returns Signal Cat Exposure Capital adequacy stability is low (score 0.25), indicating elevated catastrophe or reserve cycle exposure.

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Underwriting Discipline

Developing
47
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Signals, strengths and risks for Underwriting Discipline

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Signals, strengths and risks for Float Investment Quality

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Signals, strengths and risks for Pricing Power

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Signals, strengths and risks for Capital Strength & Solvency

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Signals, strengths and risks for Operational Efficiency

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Signals, strengths and risks for Scale & Diversification

Trade-Off Ledger™

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

Insurance (Life, P&C, Reinsurance) vs Industry Peers 100% Coverage
Trade-Off Triangle Visualization A ternary plot showing UVE's balance between Growth (32.0%), Profitability (41.9%), and Safety (26.1%). Growth 32% Safety 26% Profitability 42%

Click axes to expand details. Marker shows current allocation.

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Growth

57th percentile vs peers
58
Key Signals
Equity Growth YoY 47.6% 94p EPS Growth YoY 2.14 89p Rev Growth YoY 5.5% 37p Revenue CAGR 3Y 9.5% 47p Asset Growth YoY -0.1% 16p
Strengths
  • Equity Growth YoY in top 20% of peers (47.6%, 94th percentile)
  • EPS Growth YoY in top 20% of peers (2.14, 89th percentile)
  • ROE in top 20% of peers (39.6%, 95th percentile)
  • ROA in top 20% of peers (6.4%, 80th percentile)
  • Interest Coverage (EBITDA) in top 20% of peers (43.66, 88th percentile)
Risks

No significant risks identified for this axis.

Profitability

75th percentile vs peers
76
Key Signals
Strengths
Risks
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Safety

47th percentile vs peers
47
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
  • Companies that haven't filed recent financials
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Bear
-
- - -
- upside
-
Base
$22.71
- - -
-53.7% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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