Universal Insurance (UVE) Stock Price, News & Analysis

Company Overview

Universal Insurance Holdings, Inc., together with its subsidiaries, operates as an integrated insurance holding company in the United States. It develops, markets, and underwrites insurance products for personal residential insurance, such as homeowners, renters/tenants, condo unit owners, and dwelling/fire; and offers allied lines, coverage for other structures, and personal property, liability, and personal articles coverages. The company also advises on actuarial issues, oversees distribution, administers claims payments, performs policy administration and underwriting, and assists with reinsurance negotiations; places and manages reinsurance programs for the insurance entities; and operates Clovered.com, a digital agency for various carrier partners and utilization of digital applications for adjusting claims. It offers its products through a network of independent agents, as well as direct-to-consumer online solutions, including digital insurance agency. 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 Stats

• Today's Range: $22.78 to $23.32
• 50-Day Range: $19.59 to $24.09
• 52-Week Range: $16.50 to $24.14
• Volume: 93,242 shs
• Average Volume: 177,188 shs
• Market Capitalization: $651.97 million
• P/E Ratio: 9.43
• Dividend Yield: 2.76%
• Price Target: N/A
• Consensus Rating: N/A

Universal Insurance Stock Analysis - MarketRank™

Universal Insurance scored higher than 84% of companies evaluated by MarketBeat, and ranked 354th out of 951 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for Universal Insurance.

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 59.64%

Earnings Growth

Earnings for Universal Insurance are expected to grow by 59.64% in the coming year, from $1.66 to $2.65 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Universal Insurance is 9.43, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 21.40.

Price to Earnings Ratio vs. Sector

The P/E ratio of Universal Insurance is 9.43, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 21.56.

Price to Book Value per Share Ratio

Universal Insurance has a P/B Ratio of 1.99. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

1.17% of the float of Universal Insurance has been sold short.

Short Interest Ratio / Days to Cover

Universal Insurance has a short interest ratio ("days to cover") of 1.8, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Universal Insurance has recently decreased by 9.10%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

Universal Insurance pays a meaningful dividend of 2.83%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Universal Insurance does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Universal Insurance is 32.16%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Universal Insurance will have a dividend payout ratio of 24.15% next year. This indicates that Universal Insurance will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: 1.9 / 5
• Environmental Score: -1.23

Percentage of Shares Shorted

1.17% of the float of Universal Insurance has been sold short.

Short Interest Ratio / Days to Cover

Universal Insurance has a short interest ratio ("days to cover") of 1.8, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Universal Insurance has recently decreased by 9.10%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 2.6 / 5
• News Sentiment: 0.70

News Sentiment

Universal Insurance has a news sentiment score of 0.70. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.87 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 6 news articles for Universal Insurance this week, compared to 3 articles on an average week.

Search Interest

Only 1 people have searched for UVE on MarketBeat in the last 30 days. This is a decrease of -67% compared to the previous 30 days.

MarketBeat Follows

1 people have added Universal Insurance to their MarketBeat watchlist in the last 30 days.

Company Ownership

• Score: 3.3 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Universal Insurance insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $883,200.00 in company stock.

Percentage Held by Insiders

17.50% of the stock of Universal Insurance is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

66.61% of the stock of Universal Insurance is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

UVE Stock Analysis - Frequently Asked Questions

How have UVE shares performed this year?

Universal Insurance's stock was trading at $21.06 on January 1st, 2025. Since then, UVE stock has increased by 10.2% and is now trading at $23.2050.
View the best growth stocks for 2025 here.

How were Universal Insurance's earnings last quarter?

Universal Insurance Holdings, Inc. (NYSE:UVE) issued its earnings results on Tuesday, February, 25th. The insurance provider reported $0.25 EPS for the quarter, topping analysts' consensus estimates of $0.09 by $0.16. The insurance provider earned $384.81 million during the quarter, compared to analysts' expectations of $349.91 million. Universal Insurance had a net margin of 4.82% and a trailing twelve-month return on equity of 15.43%.
Read the conference call transcript.

Who are Universal Insurance's major shareholders?

Top institutional investors of Universal Insurance include Rhumbline Advisers (0.13%), SG Americas Securities LLC (0.06%) and GAMMA Investing LLC (0.06%). Insiders that own company stock include Sean P Downes, Stephen Donaghy, Jon Springer, Michael Pietrangelo, Scott P Callahan, Francis Xavier Mccahill III and Gary Lloyd Ropiecki.
View institutional ownership trends.

How do I buy shares of Universal Insurance?

Shares of UVE stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Universal Insurance own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Universal Insurance investors own include NVIDIA (NVDA), Meta Platforms (META), Advanced Micro Devices (AMD), Broadcom (AVGO), Netflix (NFLX), Palo Alto Networks (PANW) and Invesco QQQ (QQQ).

Company Calendar

• Last Earnings: 2/25/2025
• Record date for 3/14 Dividend: 3/07/2025
• Ex-Dividend for 3/14 Dividend: 3/07/2025
• Dividend Payable: 3/14/2025
• Today: 4/19/2025
• Next Earnings (Estimated): 4/24/2025
• Record date for 5/16 Dividend: 5/09/2025
• Ex-Dividend for 5/16 Dividend: 5/09/2025
• Dividend Payable: 5/16/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: Fire, marine, & casualty insurance
• Sub-Industry: Property & Casualty Insurance
• Current Symbol: NYSE:UVE
• CIK: 891166
• Web: www.universalinsuranceholdings.com
• Phone: (954) 958-1200
• Fax: 302-636-5454
• Employees: 1,220
• Year Founded: N/A

Profitability

• EPS (Most Recent Fiscal Year): $1.99
• Trailing P/E Ratio: 9.43
• Forward P/E Ratio: 13.98
• P/E Growth: N/A
• Net Income: $66.82 million
• Net Margins: 4.82%
• Pretax Margin: 6.83%
• Return on Equity: 15.43%
• Return on Assets: 2.37%

Debt

• Debt-to-Equity Ratio: 0.25
• Current Ratio: 0.51
• Quick Ratio: 0.51

Sales & Book Value

• Annual Sales: $1.52 billion
• Price / Sales: 0.43
• Cash Flow: $2.92 per share
• Price / Cash Flow: 7.95
• Book Value: $11.69 per share
• Price / Book: 1.99

Miscellaneous

• Outstanding Shares: 28,096,000
• Free Float: 23,336,000
• Market Cap: $651.97 million
• Optionable: Optionable
• Beta: 0.76