Universal Insurance (UVE) Stock Price, News & Analysis

Company Overview

Universal Insurance Holdings, Inc. (NYSE: UVE) is an insurance holding company focused primarily on personal residential property and casualty insurance. Through its operating subsidiaries, the company provides coverage designed to protect homeowners and other residential property owners against risks such as wind, fire, theft and other covered losses.

Universal’s products have historically included homeowners, condominium, renters and dwelling-fire insurance, along with related personal lines offerings. Its subsidiaries manage key parts of the insurance process, including policy distribution, underwriting, claims administration and reinsurance. The company primarily serves customers in catastrophe-exposed coastal markets, with a particular concentration in Florida and operations in select additional states.

Based in Fort Lauderdale, Florida, Universal Insurance Holdings was established in 1990. The company is led by Chief Executive Officer Stephen J. Donaghy and operates through a network of agents and other distribution partners. Its business is influenced by weather-related catastrophes, property insurance regulation, reinsurance availability and changing conditions in the residential insurance market.

Key Stats

• Today's Range: $46.10 to $46.86
• 50-Day Range: $42.00 to $46.85
• 52-Week Range: $27.89 to $47.56
• Volume: 179,240 shs
• Average Volume: 180,766 shs
• Market Capitalization: $1.29 billion
• P/E Ratio: 6.12
• Dividend Yield: 1.38%
• Price Target: $45.00
• Consensus Rating: Moderate Buy

Universal Insurance Stock Analysis - MarketRank™

Universal Insurance scored higher than 38% of companies evaluated by MarketBeat, and ranked 688th out of 854 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: 1.7 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Universal Insurance has received a consensus rating of Moderate Buy. The company's average rating score is 2.67, and is based on 1 strong buy rating, no buy ratings, 2 hold ratings, and no sell ratings.

Upside/Downside

The consensus price target for Universal Insurance is close to its current price, suggesting limited near-term upside or downside.

Amount of Analyst Coverage

Universal Insurance has only been the subject of 2 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: -13.16%

Earnings Growth

Earnings for Universal Insurance are expected to decrease by -13.16% in the coming year, from $5.47 to $4.75 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Universal Insurance is 6.12, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 38.91.

Price to Earnings Ratio vs. Sector

The P/E ratio of Universal Insurance is 6.12, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.70.

Price to Book Value per Share Ratio

Universal Insurance has a P/B Ratio of 2.36. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 1.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

5.06% 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 7.03.

Change versus previous month

Short interest in Universal Insurance has recently increased by 83.55%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

Universal Insurance pays a meaningful dividend of 1.36%, 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 8.44%. 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 13.47% next year. This indicates that Universal Insurance will be able to sustain or increase its dividend.

News and Social Media

• Score: 2.7 / 5
• News Sentiment: 0.29

News Sentiment

Universal Insurance has a news sentiment score of 0.29. 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 lower news sentiment than the 0.65 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 6 news articles for Universal Insurance this week, compared to 1 article on an average week.

Search Interest

Only 1 people have searched for UVE on MarketBeat in the last 30 days. This is a decrease of -50% compared to the previous 30 days.

MarketBeat Follows

1 people have added Universal Insurance to their MarketBeat watchlist in the last 30 days.

Company Ownership

• Score: 2.0 / 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 $1,765,000.00 in company stock.

Percentage Held by Insiders

15.00% 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.

Company Calendar

• Last Earnings: 7/23/2026
• Record date for 8/7 Dividend: 7/31/2026
• Ex-Dividend for 8/7 Dividend: 7/31/2026
• Dividend Payable: 8/07/2026
• Today: 10/13/2026
• Next Earnings (Estimated): 10/22/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: Insurance
• Sub-Industry: Property & Casualty Insurance
• Current Symbol: NYSE:UVE
• CIK: 891166
• Web: www.universalinsuranceholdings.com
• Phone: (954) 958-1200
• Fax: 302-636-5454
• Employees: 929
• Year Founded: 1990

Price Target and Rating

• Average Price Target for Universal Insurance: $45.00
• High Price Target: $45.00
• Low Price Target: $45.00
• Potential Upside/Downside: -3.0%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.67
• Research Coverage: 3 Analysts

Profitability

• EPS (Trailing Twelve Months): $7.58
• Trailing P/E Ratio: 6.12
• Forward P/E Ratio: 8.48
• P/E Growth: N/A
• Net Income: $182.95 million
• Net Margins: 13.49%
• Pretax Margin: 17.95%
• Return on Equity: 37.67%
• Return on Assets: 7.12%

Debt

• Debt-to-Equity Ratio: 0.15
• Current Ratio: 0.57
• Quick Ratio: 0.57

Sales & Book Value

• Annual Sales: $1.63 billion
• Price / Sales: 0.79
• Cash Flow: $6.75 per share
• Price / Cash Flow: 6.87
• Book Value: $19.65 per share
• Price / Book: 2.36

Miscellaneous

• Outstanding Shares: 27,830,000
• Free Float: 23,656,000
• Market Cap: $1.29 billion
• Optionable: Optionable
• Beta: 0.69