Universal Insurance Holdings Inc (UVE)

Financial Services Insurance - Property & Casualty

43.70 $

-0.6% vs. previous close

Closing price · As of: 31. Jul 2026

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Quality & Balance Sheet

Institutional Accumulation Pros 80%

Breakout & Setup

ATH Pocket Pivot Strong DCR (≥80) Tight & Near High Tight Weekly Range (WCR≥90)

Earnings & Surprises

Big Earnings Surprise Recent Earnings Winners

Momentum & Trend

21-EMA Trend Above the 50- & 200-SMA Mark Minervini: Trend Criteria — 1 Month Power Trend Stan Weinstein: Stage 2

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Basics

Market Cap

1.2$B

Shares Outstanding

28Mio.

Float

90.8%

Beta

0.7

Performance

Perf. 1M

11.30%

Perf. 3M

24.70%

Perf. 6M

22.20%

YTD Performance (%)

19.30%

52-Week-High Distance

-5.9%

Perf. 1Y

53.02%

Perf. 3Y

178.90%

Perf. 5Y

248.68%

Valuation

P/E

–

Forward P/E

10.0

PEG

–

P/B

–

P/S

0.8

EV/EBITDA

0.0

Price/FCF

3.6

Profitability

Gross Margin

24.0%

EBIT Margin

18.6%

Net Margin

12.2%

Return on Equity

38.9%

Return on Assets

6.1%

Balance Sheet & Safety

Equity Ratio

21.1%

Debt/Equity

–

Altman Z″

2.98

Piotroski

6 out of 9

Growth

Sales Growth Last Quarter

-0.30%

EPS Growth Last Quarter

30.60%

Sales Growth (Year)

4.94%

Forward Sales Growth

1.52%

Forward EPS Growth

-7.40%

Dividend

Dividend Yield

1.49%

Dividend Per Share (TTM)

0.64$

Payout Ratio

9.5%

Years Without a Cut

2Years

Increase Streak

0Years

Quality & Screener

Stage

RS Rating

EPS Rating

Piotroski

6 out of 9

Fundamental Rating

B (58 out of 100)

Altman Z″

2.98

AI Rating

Threatened

Universal nennt künstliche Intelligenz im Geschäftsbericht für 2025 ausschließlich als Risiko für das eigene Geschäftsmodell: KI verändere die Art, wie Verbraucher und Versicherungsagenten Policen suchen und kaufen, und Wettbewerber könnten sich mit KI einen Vorteil bei Schadenaufwand und Prämienniveau verschaffen. Eine KI-gestützte Umsatzquelle weist das Unternehmen nicht aus; erwähnt wird lediglich, dass regulatorische Entwicklungen zum KI-Einsatz in der Schadenbearbeitung beobachtet werden.

View the full file — quotes, sources, reviewed filings

„The emergence of AI or other machine learning technologies is likely to change the ways consumers and insurance agents shop for, evaluate and purchase insurance products in ways that are difficult to predict."

Das Aufkommen von künstlicher Intelligenz oder anderen Techniken des maschinellen Lernens dürfte die Art und Weise, wie Verbraucher und Versicherungsagenten Versicherungsprodukte suchen, bewerten und kaufen, auf schwer vorhersehbare Weise verändern.

10-K · 2026-02-27 · View SEC filing

„Competitors also might adopt more prompt or more effective solutions to adverse market conditions than we are able to implement, including through the use of AI or machine learning, providing those competitors with a competitive advantage through lower losses and LAE, more competitive premium levels, or a greater ability to expand their businesses."

Wettbewerber könnten auf ungünstige Marktbedingungen schneller oder wirksamer reagieren, als wir es umsetzen können — auch durch den Einsatz von künstlicher Intelligenz oder maschinellem Lernen —, was ihnen einen Wettbewerbsvorteil durch niedrigere Schäden und Schadenregulierungskosten, wettbewerbsfähigere Prämien oder eine größere Fähigkeit zur Ausweitung ihres Geschäfts verschaffen würde.

10-K · 2026-02-27 · View SEC filing

Filings Reviewed: 10-Q 2026-04-29 · 10-Q 2025-10-30 · 10-Q 2025-07-30 · 10-Q 2025-04-30 · 10-K 2026-02-27 · 10-K 2025-02-28

Rated on July 28, 2026 · How the Rating Is Built

Analysts & Price Target

Current Price 43.70 $

Price Target (average) 44.00 $

The price target sits 0.7% above the current price.

Consensus: Strong Buy

Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.

Next Reporting Date

22. Oct 2026 · after the close · Q3 2026

Expected Earnings per Share: 0.03 $

Expected date of the next quarterly or annual figures. Dates do shift occasionally — only the invitation issued by the company is binding.

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Sales Per Quarter ($M)

Source: fundamental data

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Quarterly Figures

Quarterly Figures
Quarter	EPS (Earnings Per Share)	EPS YoY (%)	Sales ($M)	Sales YoY (%)	Net Margin (%)	OCF ($M)	FCF ($M)
2024: Q4	0.21	-69.50	385	2.50	1.60	-101	-102
2025: Q1	1.44	25.80	395	7.30	10.50	187	186
2025: Q2	1.22	0.90	400	5.20	8.80	106	105
2025: Q3	1.38	–	401	3.50	9.90	62	61
2025: Q4	2.31	1,018.40	406	5.50	16.40	26	25
2026: Q1	1.88	30.90	392	-0.90	13.90	155	153
2026: Q2	2.04	67.20	427	6.70	13.90	101	100

What Do These Terms Mean?

EPS (Earnings Per Share):: Quarterly profit divided by the total share count — how much of the profit works out to a single share.
YoY (Year over Year):: Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
Sales:: All revenue for the quarter, before any costs are deducted — the top line of the income statement.
Net Margin:: What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
OCF (Operating Cash Flow):: The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
FCF (Free Cash Flow):: Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.

About the Company

Universal Insurance Holdings, Inc. ist zusammen mit seinen Tochtergesellschaften eine integrierte Versicherungsholding in den USA.

Employees	929
Headquarters	Fort Lauderdale, FL
Website	universalinsuranceholdings.com
IPO Date	14. Dec 1992

Management

Management
Name	Title	Birth Year
Sean Patrick Downes	Executive Chairman	1970
Stephen Joseph Donaghy	CEO & Director	1965
Frank Crawford Wilcox CPA	Chief Financial Officer	1966
Kimberly Denice Campos	Chief Information Officer, Chief Administrative Officer & Director	1978
Michael J. Poloskey	Chief Operating Officer	1970
Rob Luther	Chief Investment Officer	–
Gary Lloyd Ropiecki CPA	Principal Accounting Officer & Secretary	–
Darryl Lamont Lewis	Chief Legal Officer	1965
Jason M. Burns	President of Blue Atlantic	1980
Matthew John Palmieri	Chief Risk Officer	1980

Executives per the latest required filings; titles kept in their original language. Source: fundamental data.

Insider Transactions

Insider Transactions
Date	Person	Role	Type	Shares	Price	Value
28. Jul 2026	Downes Sean P	Executive Chairman	Other	23,610	44.22	1,044,034

Reportable transactions by officers and major shareholders from SEC Form 4 filings. "Other" includes things like stock grants and option exercises without a buy/sell character.

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Chart

Interactive price chart (TradingView).

Data as of: July 31, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)

Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.