UNIVERSAL INSURANCE (UVE) Stock Price, News & Analysis

Company Overview

Universal Insurance Holdings, Inc. (NYSE: UVE) is a Jacksonville, Florida–based insurance holding company focused on niche property and casualty products in coastal and catastrophe-exposed regions of the United States. Through its wholly owned subsidiaries, including Universal Property & Casualty Insurance Company and Universal North America Insurance Company, the firm designs, underwrites and administers a suite of homeowner’s, landlord’s and commercial residential insurance policies. Coverage offerings range from dwelling fire and windstorm protection to personal liability, with optional endorsements such as water backup, equipment breakdown and flood insurance in select territories.

Since its founding in 1999, Universal Insurance has grown both organically and through targeted acquisitions, building a distribution network of independent insurance agents across Florida and other southeastern states. The company seeks to leverage sophisticated underwriting models and catastrophe-management tools to manage exposure in hurricane-prone coastal markets. Universal Insurance also employs a reinsurance program to mitigate risk, securing treaties with major reinsurers to protect capital and maintain financial stability through severe weather events.

Universal Insurance’s leadership team comprises seasoned property and casualty executives with deep regional expertise. The board of directors and senior management drive strategic initiatives aimed at expanding market share and enhancing policyholder services through digital platforms and streamlined claims processing. The company places strong emphasis on customer service, regularly investing in technology and agent relationships to shorten turnaround times and improve claims resolution.

Looking ahead, Universal Insurance continues to explore opportunities to broaden its geographic footprint while maintaining disciplined underwriting practices. With its dual focus on growth and risk management in coastal markets, the company aims to provide homeowners and property investors with tailored insurance solutions backed by responsive service and a commitment to financial strength.

Key Stats

• Today's Range: $25.40 to $25.76
• 50-Day Range: $23.68 to $28.26
• 52-Week Range: $16.50 to $28.49
• Volume: 207,827 shs
• Average Volume: 202,036 shs
• Market Capitalization: $723.88 million
• P/E Ratio: 11.23
• Dividend Yield: 2.49%
• Price Target: N/A
• Consensus Rating: N/A

UNIVERSAL INSURANCE Stock Analysis - MarketRank™

UNIVERSAL INSURANCE scored higher than 77% of companies evaluated by MarketBeat, and ranked 477th out of 913 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for UNIVERSAL INSURANCE.

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 59.64%

Earnings Growth

Earnings for UNIVERSAL INSURANCE are expected to grow by 59.64% in the coming year, from $1.66 to $2.65 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of UNIVERSAL INSURANCE is 11.24, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 26.40.

Price to Earnings Ratio vs. Sector

The P/E ratio of UNIVERSAL INSURANCE is 11.24, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.22.

Price to Book Value per Share Ratio

UNIVERSAL INSURANCE has a P/B Ratio of 1.95. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

148.38% of the float of UNIVERSAL INSURANCE has been sold short.

Short Interest Ratio / Days to Cover

UNIVERSAL INSURANCE has a short interest ratio ("days to cover") of 3.3, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in UNIVERSAL INSURANCE has recently increased by 10,493.07%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

UNIVERSAL INSURANCE pays a meaningful dividend of 2.54%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

UNIVERSAL INSURANCE does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of UNIVERSAL INSURANCE is 27.95%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, UNIVERSAL INSURANCE will have a dividend payout ratio of 24.15% next year. This indicates that UNIVERSAL INSURANCE will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: 1.9 / 5
• Environmental Score: -1.23

Percentage of Shares Shorted

148.38% of the float of UNIVERSAL INSURANCE has been sold short.

Short Interest Ratio / Days to Cover

UNIVERSAL INSURANCE has a short interest ratio ("days to cover") of 3.3, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in UNIVERSAL INSURANCE has recently increased by 10,493.07%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 2.7 / 5
• News Sentiment: 0.90

News Sentiment

UNIVERSAL INSURANCE has a news sentiment score of 0.90. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.79 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 3 news articles for UNIVERSAL INSURANCE this week, compared to 4 articles on an average week.

Search Interest

8 people have searched for UVE on MarketBeat in the last 30 days. This is an increase of 60% compared to the previous 30 days.

Company Ownership

• Score: 3.3 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, UNIVERSAL INSURANCE insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $2,687,275.00 in company stock.

Percentage Held by Insiders

17.50% of the stock of UNIVERSAL INSURANCE is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

66.61% of the stock of UNIVERSAL INSURANCE is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

UVE Stock Analysis - Frequently Asked Questions

How have UVE shares performed this year?

UNIVERSAL INSURANCE's stock was trading at $21.06 at the beginning of the year. Since then, UVE stock has increased by 22.1% and is now trading at $25.7120.

How were UNIVERSAL INSURANCE's earnings last quarter?

UNIVERSAL INSURANCE HOLDINGS INC (NYSE:UVE) released its quarterly earnings results on Thursday, April, 24th. The insurance provider reported $1.44 EPS for the quarter, topping analysts' consensus estimates of $1.12 by $0.32. The insurance provider earned $394.87 million during the quarter, compared to analysts' expectations of $354.97 million. UNIVERSAL INSURANCE had a trailing twelve-month return on equity of 15.73% and a net margin of 4.31%.
Read the conference call transcript.

Who are UNIVERSAL INSURANCE's major shareholders?

UNIVERSAL INSURANCE's top institutional shareholders include A&I Financial Services LLC (0.07%), Mirae Asset Global Investments Co. Ltd. (0.07%) and Empirical Financial Services LLC d.b.a. Empirical Wealth Management (0.03%). Insiders that own company stock include Sean P Downes, Stephen Donaghy, Jon Springer, Michael Pietrangelo, Scott P Callahan, Francis Xavier Mccahill III and Gary Lloyd Ropiecki.
View institutional ownership trends.

How do I buy shares of UNIVERSAL INSURANCE?

Shares of UVE stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of UNIVERSAL INSURANCE own?

Based on aggregate information from My MarketBeat watchlists, some other companies that UNIVERSAL INSURANCE investors own include NVIDIA (NVDA), Meta Platforms (META), Advanced Micro Devices (AMD), Broadcom (AVGO), Netflix (NFLX), Palo Alto Networks (PANW) and Invesco QQQ (QQQ).

Company Calendar

• Last Earnings: 4/24/2025
• Record date for 5/16 Dividend: 5/09/2025
• Ex-Dividend for 5/16 Dividend: 5/09/2025
• Dividend Payable: 5/16/2025
• Today: 7/22/2025
• Next Earnings (Estimated): 7/24/2025
• Record date for 8/8 Dividend: 8/01/2025
• Ex-Dividend for 8/8 Dividend: 8/01/2025
• Dividend Payable: 8/08/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: INS - PROP&CASLTY
• Sub-Industry: Property & Casualty Insurance
• Current Symbol: NYSE:UVE
• CIK: 891166
• Web: www.universalinsuranceholdings.com
• Phone: (954) 958-1200
• Fax: 302-636-5454
• Employees: 1,068
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): $2.29
• Trailing P/E Ratio: 11.22
• Forward P/E Ratio: 15.47
• P/E Growth: N/A
• Net Income: $58.93 million
• Net Margins: 4.31%
• Pretax Margin: 5.98%
• Return on Equity: 15.73%
• Return on Assets: 2.30%

Debt

• Debt-to-Equity Ratio: 0.24
• Current Ratio: 0.50
• Quick Ratio: 0.50

Sales & Book Value

• Annual Sales: $1.52 billion
• Price / Sales: 0.48
• Cash Flow: $2.27 per share
• Price / Cash Flow: 11.33
• Book Value: $13.19 per share
• Price / Book: 1.95

Miscellaneous

• Outstanding Shares: 28,150,000
• Free Float: 23,220,000
• Market Cap: $723.03 million
• Optionable: Optionable
• Beta: 0.86