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UVE stock logo

UVE

Universal Insurance Holdings, Inc.

$33.3
0.86
 (2.65%)
Exchange:  NYSE
Market Cap:  934.028M
Shares Outstanding:  21.468M
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Insurance – Property & Casualty
   
CEO:  Stephen Joseph Donaghy
Full Time Employees:  1068
Address: 
1110 West Commercial Boulevard
Fort Lauderdale
FL
33309
US
Website:  https://www.universalinsuranceholdings.com
Universal Insurance Holdings, Inc., together with its subsidiaries, operates as an integrated insurance holding company in the United States. The company develops, markets, and underwrites insurance products for personal residential insurance, such as homeowners, renters/tenants, condo unit owners, and dwelling/fire; and offers 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; places and manages reinsurance programs for the insurance entities; and operates Clovered.com, an online platform in which consumers receive side-by-side quotes from various carriers across multiple states, as well as educational materials about homeowners’ insurance policies. It offers its products through a network of independent agents, as well as Universal Direct, a direct-to-consumer online platform, which enables homeowners to directly purchase, pay for, and bind homeowners’ policies. The company was formerly known as Universal Heights, Inc. and changed its name to Universal Insurance Holdings, Inc. in January 2001. Universal Insurance Holdings, Inc. was incorporated in 1990 and is headquartered in Fort Lauderdale, Florida.

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Revenue Segmentation

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EPS

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Earnings Call

Full text

Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2026/02/25 — 4 quarter 2025

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue1,391,5821,520,5361,595,599
Gross Profit190,935199,726609,721
EBITDA101,48596,496256,559
Operating Income88,34984,611243,069
Net Income66,82358,928182,951

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets2,316,5612,841,8611,532,604
Total Liabilities1,975,2642,468,6112,288,660
Total Stockholders Equity341,297373,250551,035
Total Debt116,603101,2430
Cash and Cash Equivalents397,306259,441477,838

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow70,971137,358381,493
Capital Expenditure-4,019-7,368-4,438
Free Cash Flow66,952129,990377,055
Net Income66,82358,928182,951
Net Change in Cash8,600-137,8650

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2027Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)2,270,598Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)2,270,598Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)2,270,598Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)680,988.239Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)680,988.239Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)680,988.239Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)122,428.242Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)122,428.242Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)122,428.242Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)132,846.984Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)132,846.984Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)132,846.984Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)4.250Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)4.250Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)4.250Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)1Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)1Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
1.521B  ?P/S
 (TTM)
: 
0.62
?Net Income
 (TTM)
: 
58.928M  ?P/E
 (TTM)
: 
5.42
?Enterprise Value
 (TTM)
: 
620.622M  ?EV/FCF
 (TTM)
: 
1.65
?Dividend Yield
 (TTM)
: 
0.02  ?Payout Ratio
 (TTM)
: 
0.12
?ROE
 (TTM)
: 
0.38  ?ROIC
 (TTM)
: 
0.08
?Net Debt
 (TTM)
: 
-160833000  ?Debt/Equity
 (TTM)
: 
0.18
?P/B
 (TTM)
: 
1.8  ?Current Ratio
 (TTM)
: 
19.39

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
8.33Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

Strengths (preview)
  • Robust Financial Performance: UVE reported strong financial results in Q3 2025, with key metrics such as revenue, net income, and EPS showing improvement over prior periods, as highlighted in the earnings call transcript. This indicates operational efficiency and effective cost management.
  • Positive Free Cash Flow: Based on cash flow statements, UVE demonstrates consistent free cash flow generation, with net cash provided by operating activities reflecting a healthy liquidity position to support dividends and reinvestment.
  • Favorable Valuation Metrics: The forward P/E ratio, as per the forward P/E data, suggests UVE is reasonably valued compared to industry averages (industry_avg_priceToEarningsRatioTTM), indicating potential attractiveness to value-focused investors.

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MARKETSnap estimates UVE intrinsic value between $59.22 – $65.34 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.


Calculate UVE Intrinsic Value

Common questions about UVE valuation

Is Universal Insurance Holdings, Inc. (UVE) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for Universal Insurance Holdings, Inc. (UVE) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is UVE a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether UVE trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is UVE’s P/E ratio?

You can see UVE’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for UVE?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is UVE a good long-term investment?

Whether UVE fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

UVE

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

2.65
MARKETSnap

Trading Metrics:

Open: 32.17   Previous Close: 32.44
Day Low: 32.07   Day High: 33.42
Year Low: 20.83   Year High: 36.68
Price Avg 50: 32.69   Price Avg 200: 29.47
Volume: 150079   Average Volume: 189159

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UVE full analysis

24/10/2025

Welcome to MARKETSNAP’s SWOT analysis for Universal Insurance Holdings, a player in the insurance space that might not be on everyone’s radar but definitely deserves a closer look. If you’re a long-term investor hunting for opportunities in niche sectors, stick around because we’re diving deep into what makes this company tick, what’s holding it back, and where it could be headed. Let’s unpack the story behind Universal Insurance Holdings, from its recent performance to a full breakdown of its strengths,…

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See in Nexus

Relevant news

Why Is Universal Insurance (UVE) Up 4.6% Since Last Earnings Report?
26-03-2026 12:32
Why Is Universal Insurance (UVE) Up 4.6% Since Last Earnings Report?
Financial Survey: Universal Insurance (NYSE:UVE) vs. Hagerty (NYSE:HGTY)
23-03-2026 02:56
What Makes Universal Insurance Holdings (UVE) a Strong Momentum Stock: Buy Now?
Principal Financial Group Inc. Has $1.05 Million Stock Position in Universal Insurance Holdings Inc $UVE

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