Universal Insurance Holdings, Inc.

NYSE:UVE Stock Report

Market Cap: US$1.1b

Universal Insurance Holdings Future Growth

Future criteria checks 0/6

Universal Insurance Holdings's revenue and earnings are forecast to decline at 1.1% and 23.5% per annum respectively while EPS is expected to decline by 26.9% per annum.

Key information

-23.5%

Earnings growth rate

-26.93%

EPS growth rate

Insurance earnings growth2.3%
Revenue growth rate-1.1%
Future return on equityn/a
Analyst coverage

Low

Last updated24 Apr 2026

Recent future growth updates

Recent updates

Narrative Update • Jun 07

UVE: Ongoing Share Repurchases And Stable Outlook Will Support Future Upside

Analysts kept their $44.00 price target for Universal Insurance Holdings unchanged, reflecting largely steady assumptions around discount rate, revenue growth, profit margin and future P/E. Recent research has offered limited new catalysts to shift valuation views.
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 Alpha
Narrative 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 Alpha
Seeking 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 Alpha
Analysis 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...

Earnings and Revenue Growth Forecasts

NYSE:UVE - Analysts future estimates and past financials data (USD Millions)
DateRevenueEarningsFree Cash FlowCash from OpAvg. No. Analysts
12/31/20271,568130N/AN/A1
12/31/20261,544134N/AN/A1
3/31/20261,603196345350N/A
12/31/20251,604183377381N/A
9/30/20251,581122250254N/A
6/30/20251,56766270274N/A
3/31/20251,54767236241N/A
12/31/20241,52159130137N/A
9/30/20241,51173231239N/A
6/30/20241,48483219226N/A
3/31/20241,44376198204N/A
12/31/20231,392676771N/A
9/30/20231,34672169172N/A
6/30/20231,299698100N/A
3/31/20231,252-16298301N/A
12/31/20221,223-22320325N/A
9/30/20221,185-96177184N/A
6/30/20221,159-3195203N/A
3/31/20221,14712138146N/A
12/31/20211,12220227234N/A
9/30/20211,10251122130N/A
6/30/20211,127278696N/A
3/31/20211,100253145N/A
12/31/20201,073191229N/A
9/30/20201,039-14185202N/A
6/30/20209579206219N/A
3/31/2020938268999N/A
12/31/201993947N/A85N/A
9/30/201991691N/A62N/A
6/30/2019893108N/A128N/A
3/31/2019869117N/A209N/A
12/31/2018824117N/A230N/A
9/30/2018809160N/A183N/A
6/30/2018793132N/A262N/A
3/31/2018769116N/A225N/A
12/31/2017752107N/A245N/A
9/30/201772984N/A229N/A
6/30/2017711101N/A110N/A
3/31/2017696105N/A150N/A
12/31/201668599N/A121N/A
9/30/2016669115N/A157N/A
6/30/2016653118N/A164N/A
3/31/2016607109N/A202N/A
12/31/2015547106N/A219N/A
9/30/201548998N/A231N/A
6/30/201543589N/A233N/A

Analyst Future Growth Forecasts

Earnings vs Savings Rate: UVE's earnings are forecast to decline over the next 3 years (-23.5% per year).

Earnings vs Market: UVE's earnings are forecast to decline over the next 3 years (-23.5% per year).

High Growth Earnings: UVE's earnings are forecast to decline over the next 3 years.

Revenue vs Market: UVE's revenue is expected to decline over the next 3 years (-1.1% per year).

High Growth Revenue: UVE's revenue is forecast to decline over the next 3 years (-1.1% per year).

Earnings per Share Growth Forecasts

Future Return on Equity

Future ROE: Insufficient data to determine if UVE's Return on Equity is forecast to be high in 3 years time

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/06/11 21:31
End of Day Share Price 2026/06/11 00:00
Earnings2026/03/31
Annual Earnings2025/12/31

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.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* 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

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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.

AnalystInstitution
Jon Paul NewsomePiper Sandler Companies
Robert PaunSidoti & Company, LLC