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Universal Insurance Holdings, Inc. UVE

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Price alert · UVE

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48.50 USD +0.94 +1.98%

At close · Oct 30

48.88 +0.38 +0.78%

After hours · Oct 30, 7:42 PM ET

Bid
48.28 × 100
Ask
48.58 × 100
47.66 Day range 49.12
28.85 52-week range 48.84
YTD
+43.49%
1 year
+54.41%
Open
49.17
Prev close
47.56
Mkt cap
1.34B
Vol
279.70K
Avg vol
190.88K
EPS
8.02
P/E
6.05
Div yield
1.35%
More statistics
Low
47.66
High
49.12
Forward P/E
8.65
Beta
0.70
Short ratio
4.75
Inst. own
78.40%
Dividend
0.64
Ex-div date
Jul 30, 2026
Earnings
Feb 23, 2027
50-d avg
44.69
200-d avg
38.81
1y target
51.00

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Financial health

Altman Z-Score

1.82 Grey zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

9 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A4 / 5 overall

  • DCF 3
  • Return on Equity 5
  • Return on Assets 5
  • Debt / Equity 4
  • P/E 4
  • P/B 2

Valuation

P/E 5.2×
FY 2016: 10.0×FY 2017: 8.9×FY 2018: 11.3×FY 2019: 20.4×FY 2020: 25.2×FY 2021: 26.2×FY 2022: -14.7×FY 2023: 7.1×FY 2024: 10.2×FY 2025: 5.2×
FY 2016 5y median 7.1× FY 2025
P/S 0.6×
FY 2016: 1.4×FY 2017: 1.3×FY 2018: 1.6×FY 2019: 1.0×FY 2020: 0.4×FY 2021: 0.5×FY 2022: 0.3×FY 2023: 0.3×FY 2024: 0.4×FY 2025: 0.6×
FY 2016 5y median 0.4× FY 2025
P/B 1.7×
FY 2016: 2.7×FY 2017: 2.2×FY 2018: 2.6×FY 2019: 1.9×FY 2020: 1.1×FY 2021: 1.2×FY 2022: 1.1×FY 2023: 1.4×FY 2024: 1.6×FY 2025: 1.7×
FY 2016 5y median 1.4× FY 2025
P/FCF 2.5×
FY 2016: 8.8×FY 2017: 4.0×FY 2018: 5.9×FY 2019: 12.9×FY 2020: 39.7×FY 2021: 2.3×FY 2022: 1.0×FY 2023: 7.1×FY 2024: 4.6×FY 2025: 2.5×
FY 2016 5y median 2.5× FY 2025
EV/EBITDA 2.5×
FY 2016: 5.4×FY 2017: 4.3×FY 2018: 7.4×FY 2019: 12.7×FY 2020: 13.0×FY 2021: 11.4×FY 2022: -2.8×FY 2023: 1.9×FY 2024: 4.6×FY 2025: 2.5×
FY 2016 5y median 2.5× FY 2025
EV/Sales 0.4×
FY 2016: 1.3×FY 2017: 1.0×FY 2018: 1.4×FY 2019: 0.9×FY 2020: 0.4×FY 2021: 0.4×FY 2022: 0.0×FY 2023: 0.1×FY 2024: 0.3×FY 2025: 0.4×
FY 2016 5y median 0.3× FY 2025
FCF Yield 40.1%
FY 2016: 11.4%FY 2017: 25.2%FY 2018: 16.9%FY 2019: 7.7%FY 2020: 2.5%FY 2021: 42.8%FY 2022: 98.1%FY 2023: 14.0%FY 2024: 21.7%FY 2025: 40.1%
FY 2016 5y median 40.1% FY 2025

Profitability

Gross Margin 38.2%
FY 2016: 37.7%FY 2017: 34.9%FY 2018: 30.6%FY 2019: 16.9%FY 2020: 10.7%FY 2021: 10.4%FY 2022: 5.7%FY 2023: 13.7%FY 2024: 13.1%FY 2025: 38.2%
FY 2016 5y median 13.1% FY 2025
Operating Margin 15.2%
FY 2016: 23.8%FY 2017: 22.7%FY 2018: 18.6%FY 2019: 6.8%FY 2020: 2.3%FY 2021: 2.5%FY 2022: -2.2%FY 2023: 6.3%FY 2024: 5.6%FY 2025: 15.2%
FY 2016 5y median 5.6% FY 2025
Net Margin 11.5%
FY 2016: 14.5%FY 2017: 14.2%FY 2018: 14.2%FY 2019: 5.0%FY 2020: 1.8%FY 2021: 1.8%FY 2022: -1.8%FY 2023: 4.8%FY 2024: 3.9%FY 2025: 11.5%
FY 2016 5y median 3.9% FY 2025
ROE 33.2%
FY 2016: 26.8%FY 2017: 24.3%FY 2018: 23.3%FY 2019: 9.4%FY 2020: 4.3%FY 2021: 4.7%FY 2022: -7.7%FY 2023: 19.6%FY 2024: 15.8%FY 2025: 33.2%
FY 2016 5y median 15.8% FY 2025
ROIC 26.4%
FY 2016: 8.6%FY 2017: 5.9%FY 2018: 3.6%FY 2019: 51.5%FY 2020: 32.2%FY 2021: 3.6%FY 2022: -5.0%FY 2023: 12.5%FY 2024: 5.5%FY 2025: 26.4%
FY 2016 5y median 5.5% FY 2025
ROA 6.4%
FY 2016: 9.4%FY 2017: 7.3%FY 2018: 6.3%FY 2019: 2.7%FY 2020: 1.1%FY 2021: 1.0%FY 2022: -0.8%FY 2023: 2.9%FY 2024: 2.1%FY 2025: 6.4%
FY 2016 5y median 2.1% FY 2025

Growth (YoY)

Revenue 4.9%
FY 2016: 25.4%FY 2017: 9.7%FY 2018: 9.6%FY 2019: 14.0%FY 2020: 14.2%FY 2021: 4.6%FY 2022: 9.0%FY 2023: 13.8%FY 2024: 9.3%FY 2025: 4.9%
FY 2016 FY 2025
Operating Income 187.3%
FY 2016: -6.9%FY 2017: 4.7%FY 2018: -10.3%FY 2019: -58.5%FY 2020: -61.9%FY 2021: 17.3%FY 2022: -195.9%FY 2023: 424.3%FY 2024: -4.2%FY 2025: 187.3%
FY 2016 FY 2025
EPS (diluted) 214.4%
FY 2016: -6.1%FY 2017: 7.2%FY 2018: 9.4%FY 2019: -58.4%FY 2020: -55.9%FY 2021: 8.3%FY 2022: -210.8%FY 2023: 408.3%FY 2024: -9.5%FY 2025: 214.4%
FY 2016 FY 2025
Free Cash Flow 190.1%
FY 2016: -45.4%FY 2017: 112.4%FY 2018: -7.1%FY 2019: -67.2%FY 2020: -83.4%FY 2021: 1772.3%FY 2022: 40.7%FY 2023: -79.1%FY 2024: 94.2%FY 2025: 190.1%
FY 2016 FY 2025

Financial Health

Current Ratio 0.6×
FY 2016: 2.1×FY 2017: 3.1×FY 2018: 7.4×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 1.2×FY 2022: 1.1×FY 2023: 1.1×FY 2024: 2.5×FY 2025: 0.6×
FY 2016 5y median 1.1× FY 2025
Quick Ratio 0.6×
FY 2016: 4.7×FY 2017: 5.4×FY 2018: 5.1×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 1.2×FY 2022: 1.1×FY 2023: 1.1×FY 2024: 2.5×FY 2025: 0.6×
FY 2016 5y median 1.1× FY 2025
Debt / Equity 0.2×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.3×FY 2022: 0.4×FY 2023: 0.3×FY 2024: 0.3×FY 2025: 0.2×
FY 2016 5y median 0.3× FY 2025
Net Debt / EBITDA -1.2×
FY 2016: -0.5×FY 2017: -1.1×FY 2018: -1.0×FY 2019: -1.2×FY 2020: -3.4×FY 2021: -3.3×FY 2022: 20.4×FY 2023: -2.8×FY 2024: -1.6×FY 2025: -1.2×
FY 2016 5y median -1.6× FY 2025
Interest Coverage 50.3×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 255×FY 2021: 48.8×FY 2022: -4.6×FY 2023: 15.2×FY 2024: 14.7×FY 2025: 50.3×
FY 2016 5y median 15.2× FY 2025

Dividends

Dividend Yield 2.4%
FY 2016: 2.4%FY 2017: 2.5%FY 2018: 1.9%FY 2019: 2.8%FY 2020: 5.1%FY 2021: 4.6%FY 2022: 7.3%FY 2023: 4.9%FY 2024: 3.7%FY 2025: 2.4%
FY 2016 5y median 4.6% FY 2025
Payout Ratio 12.1%
FY 2016: 24.3%FY 2017: 22.5%FY 2018: 21.8%FY 2019: 56.1%FY 2020: 128.5%FY 2021: 118.6%FY 2022: -106.9%FY 2023: 34.9%FY 2024: 37.9%FY 2025: 12.1%
FY 2016 5y median 34.9% FY 2025

Annual · latest fiscal year ends 2025-12-31