UVE
Universal Insurance Holdings, Inc.
Price Chart
Latest Quote
$37.49
-0.21 (-0.56%)
Current Price
| Previous Close | $37.70 |
| Open | $37.73 |
| Day High | $38.08 |
| Day Low | $37.46 |
| Volume | 20,128 |
Stock Information
| Quarterly Dividend / Yield | $0.64 / 1.70% |
| Shares Outstanding | 27.91M |
| Quarterly Dividend Yield | 1.70% |
| Quarterly Dividend | $0.64 |
| Total Debt | $100.29M |
| Cash Equivalents | $595.77M |
| Revenue | $1.60B |
| Net Income | $195.79M |
| Sector | Financial Services |
| Industry | Insurance - Property & Casualty |
| Market Cap | $1.05B |
| P/E Ratio | 5.55 |
| EPS (TTM) | $6.76 |
| Exchange | NYQ |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $556.77M |
| Sales | $1.60B |
| Income | $195.79M |
| Book/sh | $19.67 |
| Cash/sh | $21.35 |
| Employees | 929 |
Financial Ratios
| Quick Ratio | 0.37 |
| Current Ratio | 0.55 |
| Debt/Eq | 17.15 |
| EPS Growth TTM | 31.00% |
Returns & Margins
| ROA | 6.06% |
| ROE | 38.88% |
| Gross Margin | 24.03% |
| Operating Margin | 18.62% |
| Profit Margin | 12.22% |
Ownership
| Insider Ownership | 11.28% |
| Institutional Ownership | 75.70% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 8.52 |
| P/S | 0.65 |
| P/B | 1.91 |
Analyst Data
| Recommendation | none |
| Target Price | $44.00 |
Technical Indicators
| SMA20 | $37.55 |
| SMA50 | $37.56 |
| SMA200 | $32.47 |
| RSI | 49.51 |
| ATR | 1.0754 |
| Shares Float | 25.34M |
| Short Float | 2.13% |
| Short Ratio | 2.56 |
| Volatility | 0.75 |
| Rel Volume | 0.13 |
Performance History
| Week | -0.95% |
| Month | -5.21% |
| Quarter | +12.93% |
| 6 Months | +15.03% |
| YTD | +19.24% |
| Year | +43.82% |
| 3 Years | +159.14% |
| 5 Years | +230.79% |
| 10 Years | +196.94% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-17 | $37.49 | 20,128 |
| 2026-06-16 | $37.70 | 135,400 |
| 2026-06-15 | $37.06 | 110,100 |
| 2026-06-12 | $37.95 | 98,000 |
| 2026-06-11 | $38.08 | 146,600 |
| 2026-06-10 | $37.85 | 211,000 |
| 2026-06-09 | $37.20 | 130,300 |
| 2026-06-08 | $36.57 | 307,800 |
| 2026-06-05 | $37.34 | 205,100 |
| 2026-06-04 | $35.48 | 161,500 |
| 2026-06-03 | $35.68 | 142,100 |
| 2026-06-02 | $36.27 | 128,600 |
| 2026-06-01 | $36.24 | 185,100 |
| 2026-05-29 | $37.02 | 157,800 |
| 2026-05-28 | $37.57 | 163,900 |
| 2026-05-27 | $38.16 | 200,900 |
| 2026-05-26 | $38.66 | 116,600 |
| 2026-05-22 | $38.98 | 132,600 |
| 2026-05-21 | $39.70 | 137,000 |
| 2026-05-20 | $39.92 | 134,700 |
| 2026-05-19 | $39.43 | 211,900 |
| 2026-05-18 | $39.55 | 218,600 |
About Universal Insurance Holdings, Inc.
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.
đ° Latest News
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Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $1,603,915,000 | $1,520,536,000 | $1,391,582,000 | $1,222,658,000 |
| Operating Revenue | $1,603,915,000 | $1,520,536,000 | $1,391,582,000 | $1,222,658,000 |
| Expenses | ||||
| Interest Expense | $5,714,000 | $5,768,000 | $5,823,000 | $5,906,000 |
| Total Expenses | $1,360,846,000 | $1,435,925,000 | $1,303,233,000 | $1,249,905,000 |
| Other Income Expense | $8,316,000 | $8,412,000 | $7,441,000 | $7,694,000 |
| Net Non Operating Interest Income Expense | $-6,422,000 | $-6,476,000 | $-6,531,000 | $-6,609,000 |
| Total Other Finance Cost | $708,000 | $708,000 | $708,000 | $703,000 |
| Interest Expense Non Operating | $5,714,000 | $5,768,000 | $5,823,000 | $5,906,000 |
| General And Administrative Expense | $118,300,000 | $108,639,000 | $96,055,000 | $90,638,000 |
| Loss Adjustment Expense | $985,878,000 | $1,087,366,000 | $992,636,000 | $938,399,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $182,951,000 | $58,928,000 | $66,823,000 | $-22,257,000 |
| Net Interest Income | $-6,422,000 | $-6,476,000 | $-6,531,000 | $-6,609,000 |
| Normalized Income | $182,951,000 | $58,928,000 | $66,823,000 | $-22,257,000 |
| Net Income From Continuing And Discontinued Operation | $182,951,000 | $58,928,000 | $66,823,000 | $-22,257,000 |
| Net Income Common Stockholders | $182,941,000 | $58,918,000 | $66,813,000 | $-22,267,000 |
| Net Income | $182,951,000 | $58,928,000 | $66,823,000 | $-22,257,000 |
| Net Income Including Noncontrolling Interests | $182,951,000 | $58,928,000 | $66,823,000 | $-22,257,000 |
| Net Income Continuous Operations | $182,951,000 | $58,928,000 | $66,823,000 | $-22,257,000 |
| Pretax Income | $243,069,000 | $84,611,000 | $88,349,000 | $-27,247,000 |
| Per Share | ||||
| Diluted EPS | $6.32 | $2.01 | $2.22 | $-0.72 |
| Basic EPS | $6.56 | $2.07 | $2.24 | $-0.72 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Reconciled Depreciation | $6,444,000 | $6,117,000 | $7,313,000 | $7,296,000 |
| EBIT | $248,783,000 | $90,379,000 | $94,172,000 | $-21,341,000 |
| Diluted Average Shares | $28,956,000 | $29,274,000 | $30,147,000 | $30,751,000 |
| Basic Average Shares | $27,890,000 | $28,498,000 | $29,829,000 | $30,751,000 |
| Diluted NI Availto Com Stockholders | $182,941,000 | $58,918,000 | $66,813,000 | $-22,267,000 |
| Preferred Stock Dividends | $10,000 | $10,000 | $10,000 | $10,000 |
| Tax Provision | $60,118,000 | $25,683,000 | $21,526,000 | $-4,990,000 |
| Selling General And Administration | $118,300,000 | $108,639,000 | $96,055,000 | $90,638,000 |
| Other Gand A | $118,300,000 | $108,639,000 | $96,055,000 | $90,638,000 |
| Net Policyholder Benefits And Claims | $985,878,000 | $1,087,366,000 | $992,636,000 | $938,399,000 |
| Policyholder Benefits Gross | $1,001,269,000 | $1,785,133,000 | $1,046,854,000 | $1,972,541,000 |
| Policyholder Benefits Ceded | $15,391,000 | $697,767,000 | $54,218,000 | $1,034,142,000 |
Fetched: 2026-06-17
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $551,035,000 | $373,250,000 | $341,297,000 | $287,896,000 |
| Total Assets | $2,839,695,000 | $2,841,861,000 | $2,316,561,000 | $2,890,154,000 |
| Prepaid Assets | $291,031,000 | $262,716,000 | $236,254,000 | $282,427,000 |
| Receivables | $308,639,000 | $705,553,000 | $296,166,000 | $879,952,000 |
| Accounts Receivable | $308,639,000 | $705,553,000 | $296,166,000 | $878,424,000 |
| Cash Cash Equivalents And Short Term Investments | $571,786,000 | $1,528,520,000 | $1,461,636,000 | $1,403,332,000 |
| Cash And Cash Equivalents | $408,868,000 | $259,441,000 | $397,306,000 | $388,706,000 |
| Taxes Receivable | - | - | $0 | $1,528,000 |
| Debt | ||||
| Total Debt | $100,481,000 | $101,243,000 | $102,006,000 | $102,769,000 |
| Long Term Debt And Capital Lease Obligation | $100,481,000 | $101,243,000 | $102,006,000 | $102,769,000 |
| Long Term Debt | $100,481,000 | $101,243,000 | $102,006,000 | $102,769,000 |
| Current Debt And Capital Lease Obligation | - | - | $14,597,000 | $0 |
| Current Debt | - | - | $14,597,000 | $0 |
| Other Current Borrowings | - | - | $14,597,000 | $0 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $2,288,660,000 | $2,468,611,000 | $1,975,264,000 | $2,602,258,000 |
| Payables And Accrued Expenses | $312,103,000 | $252,820,000 | $233,322,000 | $403,045,000 |
| Payables | $312,103,000 | $252,820,000 | $233,322,000 | $403,045,000 |
| Other Payable | $26,307,000 | $25,931,000 | $35,586,000 | $18,541,000 |
| Total Tax Payable | $28,554,000 | $6,561,000 | $5,886,000 | $0 |
| Income Tax Payable | $28,554,000 | $6,561,000 | $5,886,000 | $0 |
| Accounts Payable | $257,242,000 | $220,328,000 | $191,850,000 | $384,504,000 |
| Equity | ||||
| Common Stock Equity | $551,035,000 | $373,250,000 | $341,297,000 | $287,896,000 |
| Total Equity Gross Minority Interest | $551,035,000 | $373,250,000 | $341,297,000 | $287,896,000 |
| Stockholders Equity | $551,035,000 | $373,250,000 | $341,297,000 | $287,896,000 |
| Gains Losses Not Affecting Retained Earnings | $-26,151,000 | $-63,166,000 | $-74,172,000 | $-103,782,000 |
| Other Equity Adjustments | $-26,151,000 | $-63,166,000 | $-74,172,000 | $-103,782,000 |
| Retained Earnings | $757,449,000 | $596,853,000 | $560,690,000 | $517,455,000 |
| Long Term Equity Investment | $10,693,000 | $16,123,000 | $10,434,000 | $0 |
| Investments In Other Ventures Under Equity Method | $10,693,000 | $16,123,000 | $10,434,000 | $0 |
| Other | ||||
| Treasury Shares Number | $20,226,000 | $19,382,000 | $18,303,000 | $16,790,000 |
| Ordinary Shares Number | $28,008,000 | $28,096,000 | $28,966,000 | $30,389,000 |
| Share Issued | $48,234,000 | $47,478,000 | $47,269,000 | $47,179,000 |
| Tangible Book Value | $551,035,000 | $373,250,000 | $341,297,000 | $287,896,000 |
| Invested Capital | $651,516,000 | $474,493,000 | $443,303,000 | $390,665,000 |
| Total Capitalization | $651,516,000 | $474,493,000 | $443,303,000 | $390,665,000 |
| Treasury Stock | $305,064,000 | $282,693,000 | $260,779,000 | $238,758,000 |
| Additional Paid In Capital | $124,319,000 | $121,781,000 | $115,086,000 | $112,509,000 |
| Capital Stock | $482,000 | $475,000 | $472,000 | $472,000 |
| Common Stock | $482,000 | $475,000 | $472,000 | $472,000 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Investments And Advances | $1,527,141,000 | $1,362,954,000 | $1,155,259,000 | $1,100,095,000 |
| Net PPE | $49,349,000 | $48,653,000 | $47,628,000 | $51,404,000 |
| Other Short Term Investments | $162,918,000 | $1,269,079,000 | $1,064,330,000 | $1,014,626,000 |
| Preferred Shares Number | - | - | - | $10,000 |
Fetched: 2026-06-17
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $377,055,000 | $129,990,000 | $66,952,000 | $319,616,000 |
| Operating Activities | ||||
| Operating Cash Flow | $381,493,000 | $137,358,000 | $70,971,000 | $324,515,000 |
| Cash Flow From Continuing Operating Activities | $381,493,000 | $137,358,000 | $70,971,000 | $324,515,000 |
| Operating Gains Losses | $-5,956,000 | $1,871,000 | $1,517,000 | $62,000 |
| Investing Activities | ||||
| Capital Expenditure | $-4,438,000 | $-7,368,000 | $-4,019,000 | $-4,899,000 |
| Investing Cash Flow | $-113,608,000 | $-228,092,000 | $-15,251,000 | $-148,861,000 |
| Cash Flow From Continuing Investing Activities | $-113,608,000 | $-228,092,000 | $-15,251,000 | $-148,861,000 |
| Net Other Investing Changes | - | - | - | - |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-22,370,000 | $-21,914,000 | $-22,021,000 | $-11,643,000 |
| Financing Cash Flow | $-52,123,000 | $-47,131,000 | $-47,120,000 | $-37,456,000 |
| Cash Flow From Continuing Financing Activities | $-52,123,000 | $-47,131,000 | $-47,120,000 | $-37,456,000 |
| Net Other Financing Charges | $-6,107,000 | $-1,420,000 | $-339,000 | $-558,000 |
| Cash Dividends Paid | $-22,175,000 | $-22,326,000 | $-23,289,000 | $-23,784,000 |
| Preferred Stock Dividend Paid | $-10,000 | $-10,000 | $-10,000 | $-10,000 |
| Common Stock Dividend Paid | $-22,165,000 | $-22,316,000 | $-23,279,000 | $-23,774,000 |
| Net Common Stock Issuance | $-22,370,000 | $-21,914,000 | $-22,021,000 | $-11,643,000 |
| Other | ||||
| Repayment Of Debt | $-1,471,000 | $-1,471,000 | $-1,471,000 | $-1,471,000 |
| Interest Paid Supplemental Data | $5,714,000 | $5,768,000 | $5,823,000 | $5,797,000 |
| Income Tax Paid Supplemental Data | $35,556,000 | $27,570,000 | $9,702,000 | $4,202,000 |
| End Cash Position | $477,838,000 | $262,076,000 | $399,941,000 | $391,341,000 |
| Beginning Cash Position | $262,076,000 | $399,941,000 | $391,341,000 | $253,143,000 |
| Changes In Cash | $215,762,000 | $-137,865,000 | $8,600,000 | $138,198,000 |
| Common Stock Payments | $-22,370,000 | $-21,914,000 | $-22,021,000 | $-11,643,000 |
| Net Issuance Payments Of Debt | $-1,471,000 | $-1,471,000 | $-1,471,000 | $-1,471,000 |
| Net Long Term Debt Issuance | $-1,471,000 | $-1,471,000 | $-1,471,000 | $-1,471,000 |
| Long Term Debt Payments | $-1,471,000 | $-1,471,000 | $-1,471,000 | $-1,471,000 |
| Net Investment Purchase And Sale | $-109,210,000 | $-218,068,000 | $-11,274,000 | $-144,053,000 |
| Sale Of Investment | $350,934,000 | $170,064,000 | $173,399,000 | $132,587,000 |
| Purchase Of Investment | $-460,144,000 | $-388,132,000 | $-184,673,000 | $-276,640,000 |
| Net Investment Properties Purchase And Sale | $0 | $-2,764,000 | $0 | $-6,000 |
| Purchase Of Investment Properties | $0 | $-2,764,000 | $0 | $-6,000 |
| Net PPE Purchase And Sale | $-4,398,000 | $-7,260,000 | $-3,977,000 | $-4,802,000 |
| Sale Of PPE | $40,000 | $108,000 | $42,000 | $97,000 |
| Purchase Of PPE | $-4,438,000 | $-7,368,000 | $-4,019,000 | $-4,899,000 |
| Change In Working Capital | $181,938,000 | $83,214,000 | $-22,313,000 | $350,669,000 |
| Change In Other Current Liabilities | $-8,947,000 | $-9,086,000 | $31,465,000 | $31,272,000 |
| Change In Other Current Assets | $4,891,000 | $-8,041,000 | $-3,000,000 | $-853,000 |
| Change In Payables And Accrued Expense | $60,394,000 | $32,890,000 | $-184,320,000 | $192,068,000 |
| Change In Payable | $60,394,000 | $32,890,000 | $-184,320,000 | $192,068,000 |
| Change In Account Payable | $36,915,000 | $28,478,000 | $-192,654,000 | $195,842,000 |
| Change In Tax Payable | $23,103,000 | $-530,000 | $5,886,000 | $0 |
| Change In Income Tax Payable | $23,103,000 | $-530,000 | $5,886,000 | $0 |
| Change In Prepaid Assets | $-28,315,000 | $-26,462,000 | $46,173,000 | $-41,434,000 |
| Change In Receivables | $394,780,000 | $-409,948,000 | $583,304,000 | $-613,422,000 |
| Changes In Account Receivables | $394,780,000 | $-409,948,000 | $581,756,000 | $-628,619,000 |
| Other Non Cash Items | $3,494,000 | $-14,049,000 | $15,101,000 | $-26,051,000 |
| Excess Tax Benefit From Stock Based Compensation | $-1,109,000 | $1,205,000 | $-20,000 | $222,000 |
| Stock Based Compensation | $8,652,000 | $8,117,000 | $2,916,000 | $4,727,000 |
| Unrealized Gain Loss On Investment Securities | $1,177,000 | $-9,936,000 | $-12,046,000 | $13,145,000 |
| Amortization Of Securities | $624,000 | $3,753,000 | $6,563,000 | $8,125,000 |
| Deferred Tax | $2,570,000 | $-2,570,000 | $4,409,000 | $-12,126,000 |
| Deferred Income Tax | $2,570,000 | $-2,570,000 | $4,409,000 | $-12,126,000 |
| Depreciation And Amortization | $6,444,000 | $6,117,000 | $7,313,000 | $7,296,000 |
| Gain Loss On Investment Securities | $-6,084,000 | $1,767,000 | $875,000 | $83,000 |
| Gain Loss On Sale Of PPE | $128,000 | $104,000 | $642,000 | $-21,000 |
| Net Income From Continuing Operations | $182,951,000 | $58,928,000 | $66,823,000 | $-22,257,000 |
| Issuance Of Debt | - | - | $0 | $0 |
| Long Term Debt Issuance | - | - | $0 | $0 |
| Sale Of Investment Properties | - | - | $0 | $0 |
| Proceeds From Stock Option Exercised | - | - | - | - |
| Asset Impairment Charge | - | - | - | - |
Fetched: 2026-06-17