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UVE

Universal Insurance Holdings, Inc.

UVE

NYSE·Financial Services·Insurance - Property & Casualty·Mkt cap $1.2B

$43.01

▲ +1.82%

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Our plain-language verdict, the thesis, risk factors, and what is changing about the business.

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52-Week Range

$21.96 - $43.93

P/E

6.34

Fwd P/E

9.30

Beta

0.75

Div Yield

1.82%

Avg Vol

202.7K

Shares Out

28.0M

Mkt Cap

$1.2B

Price action

Price chart

Up 62.8% over the trailing year

1W
1M
3M
6M
YTD
1Y
5Y
MAX

Total returns

Price performance

Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.

Why we rate it this way

The thesis at a glance

Bull and bear case · plain-English context across the five lenses we evaluate.

▲

Bull Case

4 reasons

  • Multi-channel distribution network reducing customer acquisition costs and increasing market reach
  • Integrated operations with in-house claims administration, underwriting, and reinsurance management
  • Digital innovation through Clovered.com marketplace and Universal Direct online platform
  • Established brand presence and operational infrastructure in Florida and multi-state markets
▼

Bear Case

1 risk

  • Low volatility (beta 0.7).

Growth

Strong growth ahead

Expansion of digital distribution channels and online insurance marketplaces

Value

Attractively priced below Property & Casualty Insurance peer average

Momentum

Hot

+26.9% over 3m

Quality

Stable

Exceptional business - top-tier fundamentals

Dividend

Modest

1.82% yield

Earnings track record

Latest print - beat on both lines

AI-summarized recap of last quarter, plus the surprise on every print.

Next: Apr 22, 2026

“
Q2 26 RECAP

APR 23, 2026

Reported EPS of $2.00 vs $1.39 consensus (+43.9% surprise). Revenue of $506.5M vs $481.1M expected (+5.3%). Beat on both top and bottom lines.

EPS beat +43.9%
Rev beat +5.3%
Double beat

EPS surprise · last 4Q

1 of 1 beats

Q2 26

+43.9%

Next: Apr 22, 2026

Revenue trend · last 8Q

—

—

+3%

+7%

+5%

+3%

+6%

-0%

Q2 24

Q3 24

Q4 24

Q1 25

Q2 25

Q3 25

Q4 25

Q1 26

$378.8M

$386.1M

$383.4M

$394.9M

$400.1M

$401.0M

$406.0M

$393.6M

Margins · last 8Q

Gross

—

Operating

18.6%

Profit

13.8%

View full earnings history →

Wall Street consensus

Analyst coverage

Live ratings and price targets aggregated across covering analysts.

No analyst coverage on file for this stock yet.

View full analyst page →

vs Industry

How UVE stacks vs Insurance - Property & Casualty

Stock metrics vs industry averages. Green = better than industry.

Industry comparison data unavailable for this stock.