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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 $40.52, about 56.1% overvalued vs fair value, +70.2% 1Y return, ranked 478/1037 in sector.
Metrics Rev Growth 5.5% ROE 39.6% Gross Margin 38.0% Div Yield 0.00%
$40.52
1.83%
As of April 28, 2026
Previous close • Vol 90d: 40.9%
52-Week Range
Market Cap
$1.13B
Enterprise Value
$757.54M
Overall Score
View breakdown
Overall
Growth
Good
Profitability
Good
Health
Fair
Efficiency
Good
Valuation
Weak
Growth
Good
Profitability
Good
Health
Fair
Efficiency
Good
Valuation
Weak
Completeness: 82%
Confidence: 89%
Updated: Mar 8
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: $40.52 -56% 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
$-108.6M
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

$21.9M
12.0% of Net Income

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
1
Active Leaks
0/1
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
55
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Underwriting Discipline

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

Insurance (Life, P&C, Reinsurance) vs Industry Peers 100% Coverage
Trade-Off Triangle Visualization A ternary plot showing UVE's balance between Growth (18.1%), Profitability (38.0%), and Safety (44.0%). Growth 18% Safety 44% Profitability 38%

Click axes to expand details. Marker shows current allocation.

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Growth

31th percentile vs peers
32
Key Signals
Revenue CAGR 3Y 9.5% 48p Rev Growth YoY 5.5% 26p Equity Growth YoY 9.4% 37p EPS Growth YoY -9.2% 14p Asset Growth YoY -46.1% 4p
Strengths
  • ROE in top 20% of peers (39.6%, 91th percentile)
  • Financial Leverage in top 20% of peers (7.22, 88th percentile)
  • Interest Coverage (EBITDA) in top 20% of peers (51.63, 84th percentile)
Risks
  • EPS Growth YoY in bottom 20% of peers (-9.2%)
  • Growth below peer median (percentile: 31)

Profitability

66th percentile vs peers
66
Key Signals
Strengths
Risks
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Safety

76th percentile vs peers
77
Key Signals
Strengths
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Two Futures

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

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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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Bear
-
- - -
- upside
-
Base
$17.79
- - -
-56.1% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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