Universal Insurance Holdings (UVE) Stock Overview
Operates as an integrated insurance holding company in the United States. More details
| Snowflake Score | |
|---|---|
| Valuation | 5/6 |
| Future Growth | 0/6 |
| Past Performance | 6/6 |
| Financial Health | 4/6 |
| Dividends | 5/6 |
Rewards
Risk Analysis
UVE Community Fair Values
Create NarrativeSee what 10 others think this stock is worth. Follow their fair value or set your own to get alerts.
Analyst Price Targets
Universal Insurance Holdings, Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$37.02 |
| 52 Week High | US$41.96 |
| 52 Week Low | US$21.96 |
| Beta | 0.78 |
| 1 Month Change | -6.75% |
| 3 Month Change | 1.84% |
| 1 Year Change | 36.40% |
| 3 Year Change | 138.84% |
| 5 Year Change | 165.00% |
| Change since IPO | 94.84% |
Recent News & Updates
Narrative Update • May 21
UVE: Ongoing Buybacks And Stable Assumptions Will Shape Future Returns
Analysts have kept their $44.00 price target for Universal Insurance Holdings unchanged, citing stable fair value estimates, a steady discount rate of 7.108% and modest tweaks to long term revenue growth, profit margin and future P/E assumptions. What's in the News From January 1, 2026 to March 31, 2026, Universal Insurance Holdings repurchased 7,114 shares, representing 0.03%, for US$0.24 million under the buyback announced on May 1, 2025.Seeking Alpha • May 14
Universal Insurance: Valuation, Fundamentals Show Assurance, But Headwinds May Squeeze Growth Opportunities
Summary Universal Insurance Holdings remains operationally resilient, with disciplined underwriting, prudent risk diversification, and a strong balance sheet supporting performance. Revenue growth has slowed, reflecting conservative risk transfer, lower pricing to drive volume, and macroeconomic headwinds such as inflation and a weak housing market. Valuation is still attractive at 5.83x P/E, with a target price of $46.24, but upside is narrowing as the stock approaches fair value and growth plateaus. I maintain a hold rating as technicals flatten, overbought signals emerge, and returns may plateau despite continued operational strength. Read the full article on Seeking AlphaNarrative Update • May 06
UVE: Share Repurchases And Higher P/E Assumptions Will Shape Future Returns
Analysts now cite a higher assumed future P/E multiple and a revised fair value estimate in updating their price target on Universal Insurance Holdings from $40 to $44, while also reflecting a slightly higher discount rate, softer revenue growth assumptions, and a lower profit margin outlook. What's in the News From January 1, 2026 to March 31, 2026, the company repurchased 7,114 shares, representing 0.03%, for $0.24 million under the buyback announced on May 1, 2025.Recent updates
Narrative Update • May 21
UVE: Ongoing Buybacks And Stable Assumptions Will Shape Future Returns
Analysts have kept their $44.00 price target for Universal Insurance Holdings unchanged, citing stable fair value estimates, a steady discount rate of 7.108% and modest tweaks to long term revenue growth, profit margin and future P/E assumptions. What's in the News From January 1, 2026 to March 31, 2026, Universal Insurance Holdings repurchased 7,114 shares, representing 0.03%, for US$0.24 million under the buyback announced on May 1, 2025.Seeking Alpha • May 14
Universal Insurance: Valuation, Fundamentals Show Assurance, But Headwinds May Squeeze Growth Opportunities
Summary Universal Insurance Holdings remains operationally resilient, with disciplined underwriting, prudent risk diversification, and a strong balance sheet supporting performance. Revenue growth has slowed, reflecting conservative risk transfer, lower pricing to drive volume, and macroeconomic headwinds such as inflation and a weak housing market. Valuation is still attractive at 5.83x P/E, with a target price of $46.24, but upside is narrowing as the stock approaches fair value and growth plateaus. I maintain a hold rating as technicals flatten, overbought signals emerge, and returns may plateau despite continued operational strength. Read the full article on Seeking AlphaNarrative Update • May 06
UVE: Share Repurchases And Higher P/E Assumptions Will Shape Future Returns
Analysts now cite a higher assumed future P/E multiple and a revised fair value estimate in updating their price target on Universal Insurance Holdings from $40 to $44, while also reflecting a slightly higher discount rate, softer revenue growth assumptions, and a lower profit margin outlook. What's in the News From January 1, 2026 to March 31, 2026, the company repurchased 7,114 shares, representing 0.03%, for $0.24 million under the buyback announced on May 1, 2025.Narrative Update • Apr 21
UVE: Share Repurchases And Steady Assumptions Will Support Higher Future Returns
Analysts kept their $40.00 price target on Universal Insurance Holdings unchanged, reflecting a view that its fair value, discount rate, revenue growth expectations, profit margin outlook and future P/E assumptions are broadly consistent with prior estimates. What's in the News Completed the repurchase of 737,462 shares, representing 2.63% of the company, for a total of $19.76 million under the buyback announced on May 1, 2025 (Key Developments).Narrative Update • Apr 06
UVE: Share Repurchases And Stable Assumptions Will Support Higher Future Returns
Analysts have reaffirmed their $40.00 price target on Universal Insurance Holdings, keeping valuation inputs such as discount rate, revenue growth, profit margin, and forward P/E assumptions effectively unchanged. This indicates that their view of the company’s outlook remains steady.Narrative Update • Mar 23
UVE: Share Repurchases And Stable Assumptions Will Support Higher Future Multiple
Analysts maintained their $40.00 price target for Universal Insurance Holdings, citing consistent fair value estimates supported by stable assumptions for the discount rate, revenue growth, profit margin, and future P/E. What's in the News Universal Insurance Holdings, Inc.Narrative Update • Mar 08
UVE: Multi Year Buybacks Will Support Higher Future Earnings Multiple
Analysts have kept their $40.00 price target on Universal Insurance Holdings unchanged, citing only small tweaks to their revenue growth, profit margin, and P/E assumptions rather than a meaningful shift in their overall view of the company. What's in the News Universal Insurance Holdings, Inc.Narrative Update • Feb 21
UVE: Multi Year Buybacks Will Support Higher Future Earnings Multiple
Analysts have kept their $40.00 price target for Universal Insurance Holdings unchanged, reflecting a steady view on its fair value, discount rate, revenue growth outlook, profit margin and future P/E assumptions. What's in the News The Board of Directors of Universal Insurance Holdings authorized a share buyback plan on January 7, 2026, signaling approval for capital return via repurchases (Key Developments).Analysis Article • Feb 12
Universal Insurance Holdings (NYSE:UVE) Is Due To Pay A Dividend Of $0.16
Universal Insurance Holdings, Inc.'s ( NYSE:UVE ) investors are due to receive a payment of $0.16 per share on 13th of...Narrative Update • Feb 07
UVE: Share Repurchase Plan Will Support Higher Future Earnings Multiple
Analysts have kept their price target on Universal Insurance Holdings steady at US$40.00, with only minor tweaks to inputs such as discount rate, profit margin, and future P/E assumptions shaping this latest update. What's in the News Universal Insurance Holdings, Inc.Narrative Update • Jan 23
UVE: Share Repurchase Program And Special Dividend Will Support Higher Future Earnings Multiple
Analysts have kept their price target for Universal Insurance Holdings steady at US$40.00 per share, citing largely unchanged assumptions regarding the discount rate, revenue growth, profit margin, and future P/E ratio as the main factors behind their maintained view. What's in the News Universal Insurance Holdings announced a share repurchase program of up to US$20 million, with the plan valid through January 8, 2028 (company announcement).Narrative Update • Jan 08
UVE: Share Repurchases And Special Dividend Will Support Higher Future Earnings Multiple
Analysts have maintained their fair value estimate for Universal Insurance Holdings at US$40.00 per share. This reflects largely unchanged assumptions regarding the discount rate, revenue growth, profit margin, and future P/E ratio, which together support keeping their price target at the same level.Narrative Update • Dec 23
UVE: Capital Returns Will Support Higher Future Earnings Multiple And Upside Potential
Analysts have raised their price target on Universal Insurance Holdings by approximately 14 percent, increasing it to about 40 dollars from roughly 35 dollars. They cited slightly improved long term profitability assumptions and a higher expected future earnings multiple.Narrative Update • Dec 08
UVE: Share Repurchases And Special Dividend Will Support Future Upside Potential
Analysts have nudged their price target for Universal Insurance Holdings up slightly to 35.00 dollars. This reflects largely unchanged assumptions on fair value, discount rate, and long term profitability.Analysis Article • Dec 06
Is Now The Time To Put Universal Insurance Holdings (NYSE:UVE) On Your Watchlist?
Investors are often guided by the idea of discovering 'the next big thing', even if that means buying 'story stocks...Narrative Update • Nov 24
UVE: Share Repurchases And Special Dividend Will Sustain Fair Value Outlook
Analysts have reaffirmed their price target for Universal Insurance Holdings at $35.00, reflecting continued confidence in the company's fair value based on stable growth and profitability outlooks. What's in the News The Board of Directors has declared a special cash dividend of 13 cents per share.Analysis Article • Nov 10
Universal Insurance Holdings (NYSE:UVE) Will Pay A Dividend Of $0.29
Universal Insurance Holdings, Inc.'s ( NYSE:UVE ) investors are due to receive a payment of $0.29 per share on 12th of...Narrative Update • Nov 10
UVE: Future Outlook Remains Steady Amid Share Buybacks And Dividend Announcement
Analysts have maintained their price target for Universal Insurance Holdings at $35.00 per share. They cite steady profit margins and a stable outlook, despite a slight increase in the discount rate.Narrative Update • Oct 27
Share Buyback And Data Initiatives Will Strengthen Resilience Going Forward
Analysts have raised their price target for Universal Insurance Holdings from $29 to $35.00. They cite improved revenue growth projections as the primary driver for the upward revision.Analysis Article • Jul 13
Universal Insurance Holdings (NYSE:UVE) Is Paying Out A Dividend Of $0.16
Universal Insurance Holdings, Inc. ( NYSE:UVE ) has announced that it will pay a dividend of $0.16 per share on the 8th...Analysis Article • May 02
Universal Insurance Holdings (NYSE:UVE) Has Affirmed Its Dividend Of $0.16
Universal Insurance Holdings, Inc. ( NYSE:UVE ) will pay a dividend of $0.16 on the 16th of May. This means the annual...Analysis Article • Apr 18
Universal Insurance Holdings' (NYSE:UVE) Dividend Will Be $0.16
The board of Universal Insurance Holdings, Inc. ( NYSE:UVE ) has announced that it will pay a dividend of $0.16 per...Seeking Alpha • Apr 01
Universal Insurance Holdings: Balanced And Strategic Growth, But I'll Wait For A Dip
Summary Universal Insurance Holdings, Inc. remains resilient despite challenges, driven by strategic expansion outside Florida and prudent underwriting policies to manage hurricane risks and roofing scams. Q4 2024 saw increased demand with operating revenue up 2.5% YoY, but higher operating expenses offset revenue growth, impacting net income. UVE's diversification into states like North Carolina, Massachusetts, and Michigan reduces exposure to Florida's high hurricane risk, enhancing growth potential and stability. Despite a sound balance sheet and prudent investment portfolio, UVE's stock appears overpriced; investors should wait for a dip before buying. Read the full article on Seeking AlphaSeeking Alpha • Mar 21
Universal Insurance Holdings: Needs Profitable Underwriting
Summary Universal Insurance Holdings' concentration in Florida poses risks, as evidenced by recent hurricanes. Universal Insurance's Q4 2024 results show increased revenues but declining operating income due to higher weather losses and expansion costs outside Florida. Improved underwriting and a healthy balance sheet are positive, but the company's combined ratio remains unprofitable, impacting the risk-reward assessment. UVE stock's current valuation aligns with tangible book value growth projections, suggesting no significant upside, thus maintaining a Hold rating. Read the full article on Seeking AlphaAnalysis Article • Feb 10
Universal Insurance Holdings (NYSE:UVE) Is Due To Pay A Dividend Of $0.16
The board of Universal Insurance Holdings, Inc. ( NYSE:UVE ) has announced that it will pay a dividend on the 14th of...Shareholder Returns
| UVE | US Insurance | US Market | |
|---|---|---|---|
| 7D | -5.0% | -3.9% | 1.5% |
| 1Y | 36.4% | -12.6% | 28.6% |
Return vs Industry: UVE exceeded the US Insurance industry which returned -12.6% over the past year.
Return vs Market: UVE exceeded the US Market which returned 28.6% over the past year.
Price Volatility
| UVE volatility | |
|---|---|
| UVE Average Weekly Movement | 5.4% |
| Insurance Industry Average Movement | 4.3% |
| Market Average Movement | 7.2% |
| 10% most volatile stocks in US Market | 16.8% |
| 10% least volatile stocks in US Market | 3.0% |
Stable Share Price: UVE has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: UVE's weekly volatility (5%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1990 | 929 | Steve Donaghy | www.universalinsuranceholdings.com |
Universal Insurance Holdings, Inc., together with its subsidiaries, operates as an integrated insurance holding company in the United States. The company offers insurance products for personal residential insurance, such as homeowners, renters and tenants, condo unit owners, and dwelling and fire; and allied lines, coverage for other structures, and personal property, liability, and personal articles coverages. It also advises on actuarial issues, oversees distribution, administers claims payments, performs policy administration and underwriting, and assists with reinsurance negotiations; evaluates insurance risk and exposures on an individual and portfolio basis and assists the insurance entities with pricing risks; places and manages its reinsurance programs; and operates its digital insurance agency, Clovered.com.
Universal Insurance Holdings, Inc. Fundamentals Summary
| UVE fundamental statistics | |
|---|---|
| Market cap | US$1.03b |
| Earnings (TTM) | US$195.79m |
| Revenue (TTM) | US$1.60b |
5.3x
P/E Ratio0.6x
P/S RatioIs UVE overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| UVE income statement (TTM) | |
|---|---|
| Revenue | US$1.60b |
| Cost of Revenue | US$1.22b |
| Gross Profit | US$385.05m |
| Other Expenses | US$189.26m |
| Earnings | US$195.79m |
Last Reported Earnings
Mar 31, 2026
Next Earnings Date
n/a
| Earnings per share (EPS) | 7.01 |
| Gross Margin | 24.03% |
| Net Profit Margin | 12.22% |
| Debt/Equity Ratio | 17.2% |
How did UVE perform over the long term?
See historical performance and comparisonDividends
2.1%
Current Dividend Yield9%
Payout RatioCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/05/31 00:50 |
| End of Day Share Price | 2026/05/29 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
|
|
| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
| |
| Key Developments | 10 years |
|
* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Universal Insurance Holdings, Inc. is covered by 2 analysts. 1 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Jon Paul Newsome | Piper Sandler Companies |
| Robert Paun | Sidoti & Company, LLC |