Universal Insurance Holdings, Inc. (UVE) AI Stock Analysis

Universal Insurance Holdings, Inc. operates as an integrated insurance holding company in the United States, providing personal residential coverage. Founded in 1990 and based in Fort Lauderdale, Florida, the company develops, markets, and underwrites homeowners, renters, condo unit owners, and dwelling fire insurance policies. It also provides allied lines and additional coverages, including liability, personal property, and personal articles. The company manages the full insurance lifecycle, spanning policy administration, underwriting, claims processing, and reinsurance negotiations. Distribution is managed through independent agents and Universal Direct, its direct-to-consumer online platform, alongside consumer educational resources offered through Clovered.com.

Universal Insurance Holdings increased annual revenue from $1.12B in FY2021 to $1.60B in FY2025, producing a five-year revenue compound annual growth rate of 8.3%. Profitability recovered from net income of -$22.3M in FY2022 to $183.0M in FY2025, as gross margin reached 38.2% and operating margin rose to 15.2%. In FY2025, diluted earnings per share expanded to $6.20. Over the trailing twelve months ending June 30, 2026, revenue stood at $1.63B with a profit margin of 13.5% and diluted earnings per share of $7.60. For the latest quarter, revenue grew 6.7% year-over-year while earnings rose 68.6%.

As of June 30, 2026, Universal Insurance Holdings had $703.8M in cash and short-term investments against $97.9M in total debt, resulting in net cash of $606.0M. Shareholders' equity stood at $637.2M alongside total assets of $3.31B, yielding a debt-to-equity ratio of 0.15 and a current ratio of 76.09. During FY2025, the business generated $381.5M in operating cash flow, allocating $4.4M toward capital expenditures, $22.4M toward share buybacks, and $22.2M to dividends paid.

At $47.12 per share, Universal Insurance Holdings has a market capitalization of $1.31B and an enterprise value of $747.6M. The stock trades at a trailing P/E of 6.2x and a forward P/E of 10.0x, both below the median of its US-listed Financial Services peers at 12.1x and 10.8x, respectively. Its price-to-sales ratio of 0.8x is also below the peer median of 3.2x. Over the past year, the shares returned 71.5%, outperforming the S&P 500 ETF (SPY) return of 16.8%.

Universal Insurance Holdings pays a quarterly dividend of $0.64 per share annualized, yielding 1.36%. The company has paid consecutive dividends for 21 years with a five-year annualized dividend growth rate of 3.8%. Its payout ratio stands at 10.4%, and its most recent ex-dividend date was July 31, 2026.

Wall Street analyst coverage consists of 1 Hold rating, with 0 Buy and 0 Sell recommendations. The mean price target is $45.00, representing a 4.5% decline from the closing price of $47.12. For FY2026 ending December 31, 2026, consensus estimates project revenue of $1.59B and EPS of $6.51. The company has beaten EPS expectations in each of the past 4 quarters, with its next earnings report scheduled for October 22, 2026.

This page is an AI-written research summary of Universal Insurance Holdings, Inc. (UVE). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

Related: UVE income statement, UVE balance sheet, UVE key metrics, UVE analyst forecast, UVE chart. See the UVE stock overview for the latest quote and news.