UVE

Universal Insurance Holdings Inc

47.73

Oct 21 • 3:59 PM ET -0.16 (-0.33%)

48.66

Aftermarket • 7:31 PM ET +0.93 (1.95%)

Financial Insurance - Property & Casualty USA Small NYSE

Peers: HCI HRTG SLDE AII OIG ACIC HIPO PLMR KINS ALL

| Held by: AVUV VTI IWM DFAT VXF IWN DFAS DFMC BSVO SCHA

Scroll to Statements

Index	RUT
Market Cap	1.33B
Enterprise Value	-
Income	219.89M
Sales	1.63B
Book/sh	22.89
Cash/sh	-
Dividend Est.	-
Dividend TTM	0.64 (1.34%)
Dividend Ex-Date	Jul 31, 2026
Dividend Gr. 3/5Y	0.00% 0.00%
Payout	10.13%
Employees	929
IPO	Dec 16, 1992

P/E	6.29
Forward P/E	10.05
PEG	-
P/S	0.82
P/B	2.08
P/C	-
P/FCF	3.91
EV/EBITDA	-
EV/Sales	-
Quick Ratio	-
Current Ratio	0.75
Debt/Eq	0.15
LT Debt/Eq	0.15
Option/Short	Yes / Yes

EPS (ttm)	7.59
EPS next Y	4.75
EPS next Q	1.57
EPS this Y	-1.13%
EPS next Y	-22.51%
EPS next 5Y	-3.91%
EPS past 3/5Y	- 60.26%
Sales past 3/5Y	9.47% 8.38%
EPS Y/Y TTM	234.26%
Sales Y/Y TTM	3.96%
EPS Q/Q	68.84%
Sales Q/Q	6.72%
Earnings	Oct 22 AMC
EPS/Sales Surpr.	13.93% 1.09%

Insider Own	9.02%
Insider Trans	-4.11%
Inst Own	78.51%
Inst Trans	2.33%
ROA	9.12%
ROE	40.17%
ROIC	29.92%
Gross Margin	-
Oper. Margin	18.37%
Profit Margin	13.49%
SMA20	6.05%
SMA50	8.28%
SMA200	24.64%
Trades

Shs Outstand	27.83M
Shs Float	25.32M
Short Float	4.72%
Short Ratio	6.24
Short Interest	1.20M
52W High	48.42 -1.43%
52W Low	27.89 71.16%
Volatility	2.28% 2.75%
ATR (14)	1.21
RSI (14)	67.55
Beta	0.66
Rel Volume	0.76
Avg Volume	191.60K
Volume	144,827

Perf Week	2.21%
Perf Month	10.92%
Perf Quarter	26.67%
Perf Half Y	39.97%
Perf YTD	41.21%
Perf Year	69.40%
Perf 3Y	255.65%
Perf 5Y	263.83%
Perf 10Y	133.36%
Recom	3.00
Target Price	45.00
Prev Close	47.89
Price	47.73
Change %	-0.33%

Date	Action	Analyst	Rating Change	Price Target Change
Jul-15-26	Downgrade	Piper Sandler	Overweight → Neutral	$44
Feb-27-23	Upgrade	Piper Sandler	Neutral → Overweight	$11 → $19
May-28-20	Initiated	Piper Sandler	Neutral	$19
Nov-04-19	Downgrade	Keefe Bruyette	Mkt Perform → Underperform	$27
Jul-27-18	Downgrade	Keefe Bruyette	Outperform → Mkt Perform
Nov-23-15	Upgrade	Keefe Bruyette	Mkt Perform → Outperform

Oct-08-26 05:01PM	Universal Announces Third Quarter 2026 Earnings Dates (Business Wire)
Jul-24-26 05:02PM	Universal Insurance Holdings Inc (UVE) Q2 2026 Earnings Call Highlights: Strong Financial ... (GuruFocus.com) +10.43%
08:30AM	Universal Insurance Holdings, Inc. Q2 2026 Earnings Call Summary (Moby)
Jul-23-26 04:37PM	Universal Insurance: Q2 Earnings Snapshot (Associated Press)
04:10PM	Universal Reports Second Quarter 2026 Results (Business Wire)
04:24PM	Loading…
Jul-15-26 04:24PM	Piper Sandler revamps insurance playbook, upgrades Gallagher, cuts five ratings (Investing.com) -9.67%
Jul-14-26 04:10PM	Universal Announces Second Quarter 2026 Earnings Dates (Business Wire)
Jul-08-26 04:10PM	Universal Declares Regular Cash Dividend (Business Wire)
May-28-26 04:10PM	Universal's Insurance Subsidiaries Complete 2026-2027 Reinsurance Program (Business Wire)
May-08-26 08:41PM	Tampa-based Safepoint files for NYSE IPO as Gulf Coast premiums surge (Investing.com)
Apr-30-26 05:44PM	KBRA Assigns Issuer Rating to Universal Insurance Holdings and Preliminary Rating to Senior Unsecured Note Offering (Business Wire)
Apr-25-26 03:04AM	Universal Insurance Holdings Inc (UVE) Q1 2026 Earnings Call Highlights: Strong Growth in ... (GuruFocus.com)
Apr-24-26 08:30AM	Universal Insurance Holdings, Inc. Q1 2026 Earnings Call Summary (Moby) +12.22%
Apr-23-26 04:33PM	Universal Insurance: Q1 Earnings Snapshot (Associated Press)
04:10PM	Universal Reports First Quarter 2026 Results (Business Wire)
08:30AM	Loading…
Apr-10-26 08:30AM	Universal Declares Regular Cash Dividend & Announces Earnings Dates (Business Wire)
Mar-05-26 12:48PM	Heritage Insurance Stock Falls 3.6% YTD: Time to Buy the Dip? (Zacks)
09:40AM	Are Investors Undervaluing Universal Insurance Holdings (UVE) Right Now? (Zacks)
Mar-03-26 09:15AM	UNIVERSAL INSURANCE HOLDINGS INC (UVE) Hit a 52 Week High, Can the Run Continue? (Zacks)
Mar-02-26 08:01PM	Universal Insurance Holdings Inc (UVE) Q4 2025 Earnings Call Highlights: Record Earnings and ... (GuruFocus.com)
12:00PM	What Makes Universal Insurance Holdings (UVE) a Strong Momentum Stock: Buy Now? (Zacks)
07:32AM	Best Value Stocks to Buy for March 2nd (Zacks)
05:09AM	New Strong Buy Stocks for March 2nd (Zacks)
Feb-28-26 11:09PM	Universal Insurance Q4 Earnings Call Highlights (MarketBeat)
Feb-27-26 09:40AM	Should Value Investors Buy Mercury General (MCY) Stock? (Zacks)
Feb-25-26 08:30AM	Universal Insurance Holdings, Inc. Q4 2025 Earnings Call Summary (Moby)
Feb-24-26 10:45PM	Universal Insurance Holdings (UVE) Q4 Earnings and Revenues Surpass Estimates (Zacks) +5.56%
05:12PM	Universal Insurance: Q4 Earnings Snapshot (Associated Press Finance)
04:10PM	Universal Reports Fourth Quarter 2025 Results (Business Wire)
Feb-23-26 07:25PM	ProAssurance (PRA) Q4 Earnings and Revenues Surpass Estimates (Zacks)
10:00AM	Loading…
Feb-17-26 10:00AM	Universal Insurance Holdings (UVE) Earnings Expected to Grow: Should You Buy? (Zacks)
Feb-11-26 04:10PM	Universal Announces Fourth Quarter 2025 Earnings Dates (Business Wire)
Feb-09-26 05:45PM	Arch Capital Group (ACGL) Surpasses Q4 Earnings and Revenue Estimates (Zacks)
Feb-04-26 04:10PM	Universal Declares Regular Cash Dividend (Business Wire)
Feb-01-26 04:15PM	Disney Earnings Need to Show Parks and Streaming Growth. CEO Succession Is Also a Focus. (Barrons.com)
Jan-07-26 07:33AM	Universal Announces New $20 Million Share Repurchase Authorization (Business Wire)
Dec-22-25 09:40AM	Are Investors Undervaluing The Travelers Companies (TRV) Right Now? (Zacks)
07:09AM	3 Analyst-Backed Stocks the Market Is Getting Totally Wrong (MarketBeat)
Dec-05-25 09:40AM	Is Universal Insurance Holdings (UVE) Stock Undervalued Right Now? (Zacks)
04:30AM	Heritage Insurance Skyrockets 136% YTD: Time to Buy the Stock? (Revised) (Zacks)
Dec-04-25 11:37AM	Is LMND's Rising In-Force Premium Fueling Growth & Operating Leverage? (Zacks)
Dec-02-25 11:01AM	Heritage Insurance Skyrockets 136% YTD: Time to Buy the Stock? (Zacks)
Nov-27-25 09:15AM	United Fire Group, Inc (UFCS) Hits Fresh High: Is There Still Room to Run? (Zacks)
Nov-21-25 12:00PM	Universal Insurance Holdings (UVE) Is Up 2.35% in One Week: What You Should Know (Zacks)
Nov-19-25 09:41AM	Should Value Investors Buy Universal Insurance Holdings (UVE) Stock? (Zacks)
Nov-12-25 09:15AM	UNIVERSAL INSURANCE HOLDINGS INC (UVE) Hits Fresh High: Is There Still Room to Run? (Zacks)
Nov-11-25 11:54AM	Managing Policy Acquisition Costs: A Key Driver of PGR's Profits? (Zacks)
09:15AM	United Fire Group, Inc (UFCS) Hits Fresh High: Is There Still Room to Run? (Zacks)
Nov-06-25 04:10PM	Universal Declares Regular and Special Cash Dividends (Business Wire)
Oct-27-25 11:00AM	Universal Insurance Holdings Inc (UVE) Q3 2025 Earnings Call Highlights: Strong Financial ... (GuruFocus.com)
09:40AM	Is CNA Financial (CNA) a Great Value Stock Right Now? (Zacks)
09:15AM	UNIVERSAL INSURANCE HOLDINGS INC (UVE) Hits Fresh High: Is There Still Room to Run? (Zacks)
Oct-24-25 05:17AM	New Strong Buy Stocks for Oct. 24: IGC, ASM and More (Zacks) +11.95%
04:45AM	Best Value Stocks to Buy for Oct. 24 (Zacks)
03:32AM	Best Income Stocks to Buy for Oct. 24 (Zacks)
Oct-23-25 05:35PM	Universal Insurance Holdings (UVE) Tops Q3 Earnings and Revenue Estimates (Zacks)
04:34PM	Universal Insurance: Q3 Earnings Snapshot (Associated Press Finance)
04:10PM	Universal Reports Third Quarter 2025 Results (Business Wire)
10:26AM	Managing Policy Acquisition Costs: A Key Driver of HRTG's Profits? (Zacks)
09:24AM	Universal Insurance Holdings Inc (UVE) Q3 2025 Earnings Report Preview: What To Look For (GuruFocus.com)
Oct-22-25 09:40AM	What To Expect From Universal Insurance Holdings Inc (UVE) Q3 2025 Earnings (GuruFocus.com)
06:46AM	New Strong Buy Stocks for Oct. 22: XPL, UVE and More (Zacks)
05:41AM	Best Value Stocks to Buy for Oct. 22 (Zacks)
04:58AM	Best Income Stocks to Buy for Oct. 22 (Zacks)
Oct-21-25 10:00AM	Analysts Estimate RenaissanceRe (RNR) to Report a Decline in Earnings: What to Look Out for (Zacks)
Oct-20-25 09:40AM	Is Donegal Group (DGICA) Stock Undervalued Right Now? (Zacks)
Oct-16-25 10:00AM	Universal Insurance Holdings (UVE) Reports Next Week: Wall Street Expects Earnings Growth (Zacks)
09:15AM	HCI Group, Inc. (HCI) Hits Fresh High: Is There Still Room to Run? (Zacks)
Oct-14-25 01:17PM	HRTG's Commercial Residential Fuels Growth: Will the Momentum Last? (Zacks)
Oct-13-25 04:10PM	Universal Announces Third Quarter 2025 Earnings Release & Conference Call Dates (Business Wire)
Oct-07-25 12:30PM	Heritage Stock Moves Above 50-Day SMA: What Should Investors Know? (Zacks)
Oct-06-25 12:00PM	Are You Looking for a Top Momentum Pick? Why Universal Insurance Holdings (UVE) is a Great Choice (Zacks)
09:15AM	UNIVERSAL INSURANCE HOLDINGS INC (UVE) Hit a 52 Week High, Can the Run Continue? (Zacks)
Oct-03-25 09:40AM	Should Value Investors Buy Universal Insurance Holdings (UVE) Stock? (Zacks) +6.81%
Sep-29-25 07:08PM	Voya Boosts Holdings in Universal Insurance Holdings, Inc. (UVE) as Strategy Delivers Returns (Insider Monkey)
Sep-24-25 01:13PM	Is a Lower Combined Ratio Key to ROOT's Profitability? (Zacks)
Sep-22-25 12:32PM	Is Heritage Insurance's Profitability Anchored to Its Combined Ratio? (Zacks)
Sep-01-25 12:37PM	Heritage Insurance Zooms Past S&P 500 YTD: Time to Buy the Stock? (Zacks)
Jul-26-25 03:07AM	Universal Insurance Holdings Inc (UVE) Q2 2025 Earnings Call Highlights: Strong Financial ... (GuruFocus.com)
Jul-24-25 05:20PM	Universal Insurance Holdings (UVE) Q2 Earnings and Revenues Top Estimates (Zacks) -7.43%
04:10PM	Universal Reports Second Quarter 2025 Results (Business Wire)
09:29AM	Universal Insurance Holdings Inc (UVE) Q2 2025: Everything You Need To Know Ahead Of Earnings (GuruFocus.com)
Jul-23-25 09:56AM	What To Expect From Universal Insurance Holdings Inc (UVE) Q2 2025 Earnings (GuruFocus.com)
Jul-09-25 04:10PM	Universal Declares Regular Cash Dividend & Announces Earnings Dates (Business Wire)
Jun-26-25 12:42PM	HRTG's Reinsurance Program: Why is it a Cornerstone of Growth? (Zacks)
Jun-19-25 11:51AM	HRTG Boosts Premiums-in-Force With Mix Shift: Will it Aid Growth? (Zacks)
Jun-17-25 10:46AM	Heritage's E&S Segment Fuels Growth: Can it Sustain the Momentum? (Zacks)
Jun-11-25 01:24PM	HRTG Outpaces Industry in 3 Months: Time to Buy the Stock? (Zacks)
Jun-05-25 01:02PM	Heritage Insurance Margin Improves: Can It Retain the Momentum? (Zacks)
May-29-25 04:10PM	Universal's Insurance Subsidiaries Complete 2025-2026 Reinsurance Program (Business Wire)
May-23-25 03:59PM	HRTG vs. UVE: Which Regional P&C Insurer is a Safer Bet Now? (Zacks)
May-09-25 02:29PM	Should Heritage Insurance Stock Be in Your Portfolio Post Q1 Earnings? (Zacks)
May-08-25 01:22PM	These 3 Dividend Stocks Still Offer Time to Capture May Distributions (Investing.com)
May-01-25 04:10PM	Universal Announces New $20 Million Share Repurchase Authorization (Business Wire) +5.12%
Apr-26-25 03:05AM	Universal Insurance Holdings Inc (UVE) Q1 2025 Earnings Call Highlights: Strong Earnings Growth ... (GuruFocus.com)
Apr-25-25 01:36PM	Universal Insurance Holdings, Inc. (UVE) Q1 2025 Earnings Call Transcript (Seeking Alpha)
Apr-24-25 05:35PM	Universal Insurance Holdings (UVE) Q1 Earnings and Revenues Surpass Estimates (Zacks)
04:30PM	Universal Insurance: Q1 Earnings Snapshot (Associated Press Finance)
04:10PM	Universal Reports First Quarter 2025 Results (Business Wire)
Apr-21-25 04:36PM	Universal Insurance Holdings Inc (UVE) Q4 2024 Earnings Call Highlights: Navigating Growth ... (GuruFocus.com)

Show Previous News

Insider Trading	Relationship	Date	Transaction	Cost	#Shares	Value ($)	#Shares Total	SEC Form 4
DOWNES SEAN P	Executive Chairman	Sep 11 '26	Sale	43.98	20,000	879,562	1,084,645	Sep 11 05:53 PM
DOWNES SEAN P	Officer	Sep 11 '26	Proposed Sale	43.80	20,000	876,000		Sep 11 03:28 PM
DOWNES SEAN P	Executive Chairman	Aug 05 '26	Sale	44.27	20,000	885,364	1,104,645	Aug 07 04:10 PM
DOWNES SEAN P	Officer	Aug 05 '26	Proposed Sale	44.15	20,000	883,000		Aug 05 03:43 PM
DOWNES SEAN P	Executive Chairman	Jun 11 '26	Sale	38.22	20,000	764,336	1,148,255	Jun 12 05:01 PM
DOWNES SEAN P	Officer	Jun 11 '26	Proposed Sale	37.85	20,000	757,000		Jun 11 02:25 PM
DOWNES SEAN P	Executive Chairman	May 15 '26	Sale	38.73	20,000	774,604	1,168,255	May 15 05:55 PM
DOWNES SEAN P	Officer	May 15 '26	Proposed Sale	39.10	20,000	782,000		May 15 04:08 PM
PIETRANGELO MICHAEL	Director	May 13 '26	Sale	39.29	4,500	176,794	81,293	May 14 04:42 PM
PIETRANGELO MICHAEL	Director	May 12 '26	Sale	39.55	3,000	118,639	85,793	May 14 04:42 PM
Michael Pietrangelo	Director	May 12 '26	Proposed Sale	39.18	7,500	293,850		May 13 04:53 PM
DOWNES SEAN P	Executive Chairman	Apr 29 '26	Sale	39.69	20,000	793,765	1,188,255	Apr 30 04:45 PM
DOWNES SEAN P	Officer	Apr 29 '26	Proposed Sale	41.20	20,000	824,000		Apr 29 12:27 PM
Campos Kimberly D	CIO & CAO	Mar 27 '26	Option Exercise	0.00	1,251	0	8,673	Mar 31 06:37 PM
Campos Kimberly D	CIO & CAO	Mar 31 '26	Sale	34.12	946	32,278	7,422	Mar 31 06:37 PM
Donaghy Stephen	CEO	Mar 27 '26	Option Exercise	0.00	14,598	0	711,492	Mar 31 06:02 PM
Wilcox Frank	CFO	Mar 27 '26	Option Exercise	0.00	2,503	0	136,882	Mar 31 06:02 PM
DOWNES SEAN P	Executive Chairman	Mar 27 '26	Option Exercise	0.00	8,342	0	1,215,130	Mar 31 06:02 PM
PETERSON RICHARD D	Director	Mar 30 '26	Sale	34.10	2,000	68,207	6,319	Mar 31 06:02 PM
Kim Campos	affiliate	Mar 31 '26	Proposed Sale	34.12	946	32,279		Mar 31 04:39 PM
RICHARD D. PETERSON	Director	Mar 30 '26	Proposed Sale	33.67	2,000	67,340		Mar 30 05:57 PM
DOWNES SEAN P	Executive Chairman	Mar 25 '26	Sale	34.60	20,000	692,072	1,206,788	Mar 27 05:05 PM
Campos Kimberly D	CIO & CAO	Mar 26 '26	Sale	33.84	879	29,745	7,422	Mar 27 05:05 PM
DOWNES SEAN P	Officer	Mar 25 '26	Proposed Sale	34.80	20,000	696,000		Mar 25 02:23 PM
DOWNES SEAN P	Executive Chairman	Mar 19 '26	Option Exercise	0.00	12,791	0	1,231,822	Mar 20 04:15 PM
Donaghy Stephen	CEO	Mar 19 '26	Option Exercise	0.00	13,566	0	702,233	Mar 20 04:15 PM
Wilcox Frank	CFO	Mar 19 '26	Option Exercise	0.00	2,326	0	134,946	Mar 20 04:15 PM
Campos Kimberly D	CIO & CAO	Mar 19 '26	Option Exercise	0.00	1,163	0	8,585	Mar 20 04:15 PM
Campos Kimberly D	CIO & CAO	Mar 03 '26	Sale	35.38	1,710	60,491	7,422	Mar 04 04:05 PM
PETERSON RICHARD D	Director	Dec 30 '25	Sale	33.61	1,855	62,347	8,319	Dec 31 04:29 PM
Donaghy Stephen	CEO	Dec 29 '25	Sale	34.07	25,000	851,750	679,961	Dec 31 04:28 PM
Donaghy Stephen	CEO	Dec 30 '25	Sale	33.77	25,000	844,250	654,961	Dec 31 04:28 PM
RICHARD D. PETERSON	Director	Dec 30 '25	Proposed Sale	34.14	1,855	63,330		Dec 30 04:05 PM
Donaghy Stephen	Officer	Dec 30 '25	Proposed Sale	33.78	25,000	844,398		Dec 30 02:57 PM
Donaghy Stephen	Officer	Dec 29 '25	Proposed Sale	34.07	25,000	851,780		Dec 29 04:32 PM
Ropiecki Gary Lloyd	Principal Accounting Officer	Dec 20 '25	Option Exercise	0.00	1,334	0	7,637	Dec 23 04:05 PM
Ropiecki Gary Lloyd	Principal Accounting Officer	Dec 19 '25	Option Exercise	0.00	1,667	0	6,709	Dec 23 04:05 PM
DOWNES SEAN P	Executive Chairman	Dec 19 '25	Sale	33.82	20,000	676,316	1,243,512	Dec 19 07:55 PM
DOWNES SEAN P	Officer	Dec 19 '25	Proposed Sale	34.00	20,000	680,000		Dec 19 12:07 PM
DOWNES SEAN P	Executive Chairman	Nov 25 '25	Sale	33.46	20,000	669,120	1,263,512	Nov 28 06:08 PM
DOWNES SEAN P	Officer	Nov 25 '25	Proposed Sale	33.94	20,000	678,800		Nov 25 02:17 PM
Springer Jon	Director	Nov 14 '25	Sale	34.51	24,308	838,811	247,320	Nov 17 04:35 PM
Springer Jon	Director	Nov 14 '25	Proposed Sale	34.54	24,308	839,598		Nov 14 02:20 PM
DOWNES SEAN P	Executive Chairman	Oct 29 '25	Sale	31.40	20,000	628,068	1,283,512	Oct 31 04:05 PM
Springer Jon	Director	Oct 30 '25	Sale	31.41	35,435	1,113,081	271,628	Oct 31 04:05 PM
Springer Jon	Officer	Oct 30 '25	Proposed Sale	31.50	35,435	1,116,202		Oct 30 11:53 AM
DOWNES SEAN P	Officer	Oct 29 '25	Proposed Sale	31.00	20,000	620,000		Oct 29 12:56 PM

Universal Insurance Holdings, Inc. engages in offering property and casualty insurance and value-added insurance services. It develops, markets and underwrites insurance products for consumers in the personal residential homeowner's lines of business and perform substantially all other insurance-related services for primary insurance entities, including risk management, claims management, and distribution. The company was founded by Bradley I. Meier on November 13, 1990 and is headquartered in Fort Lauderdale, FL.

Executive ChairmanMr. Sean Patrick Downes

CEO & DirectorMr. Stephen Joseph Donaghy

Chief Financial OfficerMr. Frank Crawford Wilcox CPA

Chief Information OfficerMs. Kimberly Denice Campos

Chief Operating OfficerMr. Michael J. Poloskey

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UVE

Universal Insurance Holdings Inc

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