Universal Insurance (UVE) Stock Price, News & Analysis

Company Overview

Universal Insurance Holdings, Inc. (NYSE: UVE) is a property and casualty insurance holding company headquartered in Jacksonville, Florida. The company underwrites homeowners and other residential property insurance products to protect against natural catastrophes such as hurricanes, windstorms and fires. It distributes policies primarily through a network of independent agents and brokers, offering coverage for primary residences, secondary homes, condominiums, vacant dwellings and rental properties across its service territory.

In addition to personal lines, Universal provides commercial property and casualty insurance tailored to small businesses and institutional clients. Its commercial offerings include premises liability, dwelling fire, commercial residential and umbrella liability protection. The company employs a risk-management approach that combines participation in the Florida Hurricane Catastrophe Fund with a layered reinsurance program to mitigate exposure to severe weather events.

Since its founding, Universal Insurance Holdings has pursued growth through both organic underwriting expansion and strategic acquisitions of smaller carriers. The company’s headquarters in Jacksonville supports a network of regional offices and service centers throughout Florida, enabling local claims handling, customer service and policy administration. Its leadership team brings deep experience in property and casualty underwriting, distribution channel management and catastrophe risk assessment, positioning the company to navigate the complex regulatory and environmental landscape of coastal insurance markets.

Key Stats

• Today's Range: $24.68 to $25.59
• 50-Day Range: $22.93 to $27.74
• 52-Week Range: $16.50 to $28.49
• Volume: 100,277 shs
• Average Volume: 211,269 shs
• Market Capitalization: $717.91 million
• P/E Ratio: 11.07
• Dividend Yield: 2.52%
• Price Target: N/A
• Consensus Rating: N/A

Universal Insurance Stock Analysis - MarketRank™

Universal Insurance scored higher than 83% of companies evaluated by MarketBeat, and ranked 267th out of 927 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 11.07, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 271.85.

Price to Earnings Ratio vs. Sector

The P/E ratio of Universal Insurance is 11.07, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 230.49.

Price to Book Value per Share Ratio

Universal Insurance has a P/B Ratio of 1.57. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

2.28% 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 2.3, 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 1.91%, indicating that investor sentiment is decreasing.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

Universal Insurance pays a meaningful dividend of 2.62%, 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

2.28% 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 2.3, 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 1.91%, indicating that investor sentiment is decreasing.

News and Social Media

• Score: 3.2 / 5
• News Sentiment: 1.70

News Sentiment

Universal Insurance has a news sentiment score of 1.70. 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 0.96 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 7 news articles for Universal Insurance this week, compared to 4 articles on an average week.

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 $672,750.00 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 on January 1st, 2025. Since then, UVE shares have increased by 20.4% and is now trading at $25.35.

How were Universal Insurance's earnings last quarter?

Universal Insurance Holdings Inc (NYSE:UVE) released its quarterly earnings results on Thursday, July, 24th. The insurance provider reported $1.23 earnings per share for the quarter, beating the consensus estimate of $1.09 by $0.14. The insurance provider earned $596.72 million during the quarter, compared to analyst estimates of $359.98 million. Universal Insurance had a trailing twelve-month return on equity of 15.37% and a net margin of 4.24%.
Read the conference call transcript.

Who are Universal Insurance's major shareholders?

Top institutional investors of Universal Insurance include Donald Smith & CO. Inc. (5.52%), American Century Companies Inc. (2.68%), Geode Capital Management LLC (2.41%) and Arrowstreet Capital Limited Partnership (1.60%). 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: 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
• Today: 9/04/2025
• Next Earnings (Estimated): 10/23/2025
• 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: 1990

Profitability

• EPS (Trailing Twelve Months): $2.29
• Trailing P/E Ratio: 10.84
• Forward P/E Ratio: 14.95
• P/E Growth: N/A
• Net Income: $58.93 million
• Net Margins: 4.24%
• Pretax Margin: 5.81%
• Return on Equity: 15.37%
• Return on Assets: 2.21%

Debt

• Debt-to-Equity Ratio: 0.22
• Current Ratio: 0.58
• Quick Ratio: 0.58

Sales & Book Value

• Annual Sales: $1.52 billion
• Price / Sales: 0.46
• Cash Flow: $2.27 per share
• Price / Cash Flow: 10.95
• Book Value: $16.17 per share
• Price / Book: 1.53

Miscellaneous

• Outstanding Shares: 28,320,000
• Free Float: 23,363,000
• Market Cap: $702.87 million
• Optionable: Optionable
• Beta: 0.87