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Universal Insurance Holdings, Inc.
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NYSE: UVE Financials Insurance 🔎 Screen
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$1.3B
Market Cap
5.3
P/E
0.09
PEG
33.4%
ROCE
39.6%
ROE
0.18
D/E
15.6%
OPM
0.0%
% from 52W High
86
α RS
🔍 UVE is showing a multi-screen setup because it matches 12 of 39 tracked screener presets, Sector RRG has Financials in the Improving quadrant with the trail still strengthening, RS Rating is 86, and it has maintained a 20-day Near 52-Week High momentum persistence. The main caution: the Bulletproof Quality preset's Backtest win rate is only 48%. Net: Mixed signal stack, not a recommendation. ? Conviction RRG RS Rating Momentum Streaks Backtest
Sources
Conviction 12/39 · Financials in Improving quadrant · RS Rating 86 · Near 52-Week High streak: 20d · Backtest win rate 48%
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🌏 Global Investor Returns
Currency-adjusted total returns for UVE including FX impact
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📈 Price History
Ratio Health
— Excellent
— Good
— Average
— Poor
By Category
📊 Peer Medians
About

Universal Insurance Holdings, Inc., together with its subsidiaries, operates as an integrated insurance holding company in the United States. The company offers insurance products for personal residential insurance, such as homeowners, renters and tenants, condo unit owners, and dwelling and fire; and 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; evaluates insurance risk and exposures on an individual and portfolio basis and assists the insurance entities with pricing risks; places and manages its reinsurance programs; and operates its digital insurance agency, Clovered.com. It offers its products through its independent agency network, direct-to-consumer online distribution, and digital insurance agency platform. 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.

Key Ratios Snapshot
📈 Growth Pattern
📊 Quick Scorecard
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⭐ Superinvestors Holding UVE
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Manager Shares Value % of Fund Period
Jim Simons Renaissance Technologies LLC 233.4K $8.0M 0.01% Mar 2026
Steve Cohen Point72 Asset Management 63.5K $2.2M 0.00% Mar 2026

SEC Form 13F data. 45-day lag from quarter end.

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✓ 📞 Earnings Call Transcripts (5 quarters) submit a missing quarter
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📞 Earnings Call Transcripts (5)
Q2 2026 Q2 2026 2026-07-24
Delivered strong financial results with a 33.2% annualized adjusted ROE, improved loss ratios, and 4.1% growth in direct premiums written. Favorable claims trends and legislative reforms in Florida support a positive outlook for sustained profitable growth.
Q1 2026 Q1 2026 2026-04-24
Q1 2026 delivered strong growth with a 38.5% adjusted ROE, higher EPS, and robust premium increases across states. The reinsurance program is fully secured through 2027-2028, and capital management remains focused on supporting insurance entities and shareholder returns.
Q4 2025 Q4 2025 2026-02-25
Adjusted EPS surged to $2.17 from $0.25 year-over-year, driven by higher premiums and lower loss ratios. Robust capital, strong retention, and favorable legislative reforms support a positive outlook, with new share repurchase and dividend programs announced.
Q3 2025 Q3 2025 2025-10-24
Reported strong Q3 results with a 30.6% adjusted ROE and $1.36 adjusted EPS, driven by improved loss ratios and premium growth outside Florida. Booked $3.9 million in prior year catastrophe development and continued share repurchases and dividends.
Q2 2025 Q2 2025 2025-07-25
Reported strong 29.4% adjusted ROE and $1.23 adjusted EPS, with revenue and premium growth driven by expansion outside Florida. Reinsurance costs remained stable despite recent storms, and share repurchases and dividends continued.
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📊 Analysis Methodology

This comprehensive investment analysis was conducted using The Finmagine™ Stock Analysis & Ranking Methodology, a proprietary framework that systematically evaluates stocks across five critical dimensions: Financial Health, Growth Prospects, Competitive Positioning, Management Quality, and Valuation.

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Financial Model
Projections are built from each company's audited annual financials (Income Statement, Balance Sheet, Cash Flow) over the last 5 fiscal years. Forward assumptions — revenue growth %, EBITDA margin, D&A (USD millions), interest expense, tax rate, and capex — are AI-generated using historical context and refreshed twice a year: after the December results season and after the September/Q4 results season.

DCF Valuation
Fair Value = Σ(FCFt / (1+WACC)t) + Terminal Value. Terminal Value uses the Gordon Growth Model: FCF5 × (1+g) / (WACC−g). Default WACC: 10% (US risk-free ~4.5%, equity risk premium ~5.5%). Default terminal growth: 3% (long-run US nominal GDP proxy).

CAGR Tracker
Expected 5-year CAGR = (DCF Fair Value / Current Price)1/5 − 1. Assumes fair value is reached in exactly 5 years — a mechanical estimate only.

Data Sources & Limitations
Financial statements sourced from public filings. Prices updated daily. Forward assumptions are AI-generated. All monetary values in USD millions. Non-US ADR companies may have currency conversion inaccuracies. Models are point-in-time and do not update intra-quarter or account for M&A, macro shocks, or extraordinary items.

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Investment Risk:
Investing in securities, including US equities and ETFs, involves inherent risks including the potential loss of principal. All investments are subject to market fluctuations, economic conditions, regulatory changes, and other factors that may affect their value. Past performance is not indicative of future results. This analysis is provided for informational and educational purposes only and should not be construed as investment advice under any circumstances.

No Investment Recommendation:
This analysis does not constitute, nor should it be interpreted as, an offer, solicitation, or recommendation to buy, sell, or hold any securities or financial products. Investors are strongly advised to conduct their own independent research and due diligence and to consult with a licensed financial advisor or an SEC-registered investment adviser before making any investment decisions, taking into account their individual financial situation, risk tolerance, and investment objectives.

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Conflict of Interest Disclosure:
The author and/or analyst may currently hold or have previously held positions in the securities discussed. Any such positions are not intended to influence the objectivity or independence of the analysis. This research is produced independently and is not sponsored, endorsed, or commissioned by any company or institution.

Information Sources:
The analysis is based on publicly available information including SEC filings (10-K, 10-Q), annual reports, management commentary, and publicly available financial data. Information is believed to be accurate as of the date of publication but may be subject to change without notice. Readers are encouraged to independently verify all information before acting upon it.

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