UNIVERSAL INSURANCE HOLDINGS INC (UVE)
Financials · Homeowners and property insurance · NYSE
A Florida-focused property and casualty insurer specializing in homeowners insurance with significant exposure to hurricane and catastrophic weather risks.
What UNIVERSAL INSURANCE HOLDINGS INC does
Universal Insurance Holdings operates as a property and casualty insurance company primarily writing homeowners insurance, with significant concentration in the Florida market, particularly in Broward, Palm Beach, and Miami-Dade counties. The company earns revenues from direct premiums written, net investment income, and policy fees, managing its catastrophic exposure through reinsurance programs. The company faces material losses from hurricanes, severe weather, and other natural disasters, with results varying significantly from period to period based on catastrophic event frequency and severity.
Themes: ["Homeowners insurance","Property and casualty insurance","Florida real estate / hurricane exposure","Catastrophe risk management","Reinsurance"]
Fundamentals
- Price$41.80 as of 2026-07-09 close
- Market cap$1.2B as of 2026-07-10
- 1-year return+69.0% as of 2026-07-09 close
- P/E5.88 as of 2026-07-10
- Net margin+12.2% as of 2026-07-10
- ROE+37.5% as of 2026-07-10
- Debt / equity0.17 as of 2026-07-10
- Revenue growth (YoY)+3.6% as of 2026-07-10
- Revenue CAGR (3y)+9.5% SEC XBRL
- Beta0.74 as of 2026-07-10
Dividend: yield +1.5%; 5-year non-decreasing per-share dividend streak (SEC XBRL).
Key risks (from latest filing)
["Significant exposure to catastrophic events (hurricanes, wildfires, severe weather) and climate change impacts, particularly in concentrated Florida markets where losses could exceed reinsurance coverage and catastrophe models","Florida regulatory and legal environment exposures, including legacy pre-reform claim liabilities and ongoing competitive pressures in an adverse market","Reinsurer credit risk and potential constraints in obtaining adequate reinsurance coverage at acceptable prices if catastrophic events increase in frequency or severity"]
Competitors & peers
- Heritage Insurance Holdings (HRTG)
- Universal Insurance Holdings (UVE)
- HCI Group (HCI)
- United Insurance Holdings (UVE)
- Federated National Holding Company (FNHC)
- FedNat Holding Company
- Avatar Holdings (AVTR)
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.