UNIVERSAL INSURANCE HOLDINGS INC (UVE)
Financials · Property & Casualty Insurance · NYSE
A vertically integrated property and casualty insurance provider specializing in homeowners coverage with a heavy concentration in the Florida market.
What UNIVERSAL INSURANCE HOLDINGS INC does
Universal Insurance Holdings is a vertically integrated property and casualty insurance company that focuses on homeowners insurance. The company conducts business through its wholly-owned subsidiaries, managing the entire insurance lifecycle including underwriting, distribution, claims processing, and the purchase of reinsurance. It maintains a significant concentration of its business in the Florida market.
Themes: property and casualty insurance, homeowners insurance, catastrophe insurance risk, Florida insurance market
Fundamentals
- Price$47.73 as of 2026-10-21 close
- Market cap$1.3B as of 2026-07-27 (share count; price 2026-10-21)
- 1-year return+68.7% 2025-10-21 close $28.29 → 2026-10-21 close $47.73
- P/E6.27 as of 2026-10-21
- Net margin+11.4% FY2025, SEC XBRL
- ROE+33.2% FY2025, SEC XBRL
- ROICn/a No figure: it is a bank or insurer, whose operating income and debt are not what ROIC divides.
- Debt / equity0.15 borrowings, leases excluded / equity — 10-Q/10-K balance sheet 2026-06-30
- Revenue growth (YoY)+5.5% FY2025, SEC XBRL
- Revenue CAGR (3y)+9.5% SEC XBRL
- Beta0.35 as of 2026-09-02
- Last reported earnings2026-07-23 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +1.4%; 16-year non-decreasing per-share dividend streak (SEC XBRL).
How UVE compares in its sector
- price-to-earnings ratiobottom 10% 487 covered Financials peers, as of 2026-10-21
- net profit marginmiddle range 343 covered Financials peers, as of 2026-09-02
- return on equitytop 10% 558 covered Financials peers, as of 2026-09-02
- 3-year revenue CAGRmiddle range 347 covered Financials peers
- indicated dividend yieldbottom 25% 440 covered Financials peers, as of 2026-09-02
- free cash flow (absolute dollars, latest fiscal year)middle range 430 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Dividend coverage (FY2025)
Covered by reported results. In FY2025, UVE's dividend was covered by reported results (earnings payout 12%, free-cash-flow payout 6%). This describes past coverage, not a forecast.
- Earnings payout12% dividends / net income
- Free-cash-flow payout6% dividends / (operating cash flow − capex)
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
Quarterly results
| Quarter | Revenue | Net income | Diluted EPS | Operating cash flow | Capex |
|---|---|---|---|---|---|
| Q2 FY2026 2026-06-30 | $427M | $59M | $2.04 | $101M† | $902000† |
| Q1 FY2026 2026-03-31 | $394M | $54M | $1.88 | $155M | $2M |
| Q4 FY2025 2025-12-31 | $408M | $67M | $2.28 | $26M† | $1M† |
| Q3 FY2025 2025-09-30 | $401M | $40M | $1.38 | $62M† | $1M† |
| Q2 FY2025 2025-06-30 | $400M | $35M | $1.21 | $106M† | $977000† |
| Q1 FY2025 2025-03-31 | $395M | $41M | $1.44 | $187M | $1M |
| Q4 FY2024 2024-12-31 | $385M | $6M | $0.21 | -$101M† | $891000† |
| Q3 FY2024 2024-09-30 | $388M | -$16M | -$0.57 | $83M† | $2M† |
† Not filed as a discrete quarter: derived from the company's own year-to-date figures (for example the fourth quarter as the fiscal year minus the first nine months). A derived per-share figure is approximate, because the share count moves within the year.
Balance sheet at 2026-06-30
- Cash and equivalents$532M
- Total debt$98M borrowings only; leases excluded
- Net debt-$434M total debt − cash − short-term investments
From the company's own SEC 10-Q and 10-K filings (XBRL), re-read every week. Figures in US dollars as filed; informational only — not financial advice.
How UNIVERSAL INSURANCE HOLDINGS INC looks technically
UNIVERSAL INSURANCE HOLDINGS INC (UVE) is trading 25.5% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 397 trading days ago — a "golden cross", a bullish long-term signal. A strong uptrend is in place — ADX, a 0–100 trend-strength gauge, is 28, with buyers in control. Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 69, neither overbought (above 70) nor oversold (below 30). It just made a new 20-day high, pushing above its recent trading range. It is 1.1% below its 52-week high (its highest price of the past year).
Trend
8
| Distance from the 200-day | it is trading 25.5% above its 200-day average, the long-term trend line — a longer-term uptrend | +25.5% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $43.99 | $43.99 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $38.15 | $38.15 |
| Swing structure | each recent peak has been lower than the one before it and each dip deeper — the pattern chart-watchers call a downtrend, which describes where price has already been and not where it goes next | lower highs and lower lows |
| Last swing turn | its last significant turn was a swing low 21 calendar days ago — the swings before that are what the structure reading is measured on | 21 sessions |
| Wave structure | its recent swings can be read as a completed three-part downward correction — a pullback in the A-B-C shape Elliott-wave chartists use; the labelling fails if price closes below 41.65. It is the only labelling that fits, though not with textbook proportions, and it describes the swings already printed, not what comes next. | possible three-wave downward correction, complete (atypical proportions) |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 397 trading days ago — a "golden cross", a bullish long-term signal | 397 sessions |
| Trend strength (14-day ADX) | a strong uptrend is in place — ADX, a 0–100 trend-strength gauge, is 28, with buyers in control | 28.1 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 69, neither overbought (above 70) nor oversold (below 30) | 69.0 |
|---|---|---|
| Position in its 14-day range | it is trading near the top of its 14-day range ($41.79 to $48.42) — its "stochastic" reading is 92 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 92.0 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, is in positive territory (momentum leaning bullish) | 11 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $48.42 | $48.42 |
|---|---|---|
| From the 52-week high | it is 1.1% below its 52-week high (its highest price of the past year) | -1.1% |
| Above the 52-week low | it is 71.7% above its 52-week low (its lowest price of the past year) | +71.7% |
| Below the 52-week high | it is 1.1% below its highest point of the past year | 1.1% |
| Since a 20-day breakout | it just made a new 20-day high, pushing above its recent trading range | 1 session |
| Since a 55-day breakout | it just made a new 55-day high, pushing above its recent trading range | 1 session |
| All-time high | its highest closing price on record is $50.50 (set on 2018-09-26) | $50.50 |
| Given back of the 52-week move | over the past year its closes ranged ($27.95 to $47.89), and it has given back essentially none of its rise from last year’s low — 0% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $34.93 to $35.57. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 0.0% |
| From the all-time high | it is 5.2% below its all-time high | -5.2% |
| Nearest price level | it is trading 5.8% above a support level at $45.11 — a price it turned at four times since 2026-07-29, most recently on 2026-09-14. Since 2024-10-21 it has 20 such levels below the current price and 0 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | -5.8% |
| All-time low | its lowest closing price on record is $0.04 (set on 2005-07-13) | $0.04 |
| Above the all-time low | it is 119625.0% above its all-time low | +119,625% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are about average versus its own recent 6-month history | 65th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $1.23 between its high and its low — about 2.6% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $1.23 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $40.62 and $48.87 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $40.62 – $44.75 – $48.87 |
| Typical daily range (% of price) | its price moves about 2.6% in a typical session — calmer than most companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 2.6% |
| Stretch from the 200-day average | it is trading 7.9 daily ranges above its 200-day average price (25.5% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 7.9 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 0.88× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | not available for this company yet | n/a |
Candlestick patterns
2
| Since a doji | 4 sessions ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 4 sessions ago |
|---|---|---|
| Since a bullish engulfing | 9 sessions ago it opened below the previous session's close and finished above that session's open — a "bullish engulfing" pair, where one up day more than undid the down day before it | 9 sessions ago |
Price streaks
1
| Closing streak | it closed higher in its latest session, after a session that did not close higher — a single up day rather than a run | 1 session up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock beat the market by 7.5 percentage points (the stock gained 8.4% while the market gained 1.0%) | +7.5% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 18.6 percentage points (the stock gained 22.3% while the market gained 3.6%) | +18.6% |
| vs market, 6 months | over the past 6 months this stock beat the market by 26.2 percentage points (the stock gained 34.7% while the market gained 8.5%) | +26.2% |
| vs market, 12 months | over the past 12 months this stock beat the market by 53.1 percentage points (the stock gained 67.7% while the market gained 14.6%) | +53.1% |
Signal agreement
2
| Bullish technical signals | 7 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, a fresh 20-day high, MACD momentum is positive, a strong uptrend, with buyers in control, outperforming the market over 6 months, trading above the Ichimoku cloud — these describe past price behaviour, not a forecast | 7 of 9 |
|---|---|---|
| Bearish technical signals | 1 of the 9 technical signals we can compute for it is currently in a bearish state: near the top of its 14-day range (overbought) — these describe past price behaviour, not a forecast | 1 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 9.6% above the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-14 and projected forward over today's price, the side traders read as an established uptrend, with the band below acting as the level that would have to give way. The band itself is moderate, spanning 6.0% of the share price. | +9.6% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 23% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $38.79 — a volume-weighted average of daily closes over 198 sessions, not a true tick-by-tick VWAP. | +23.4% |
|---|---|---|
| Vs the average paid since it last reported | the price is 9% above the average price paid since it last reported on 2026-07-23 (its 8-K), so the typical buyer over that stretch is showing a gain. That average is $43.93 — a volume-weighted average of daily closes over 63 sessions, not a true tick-by-tick VWAP. | +9.0% |
Double bottom, bullish — broke out · entry $44.77 · 43 sessions in
Price levels it has turned at before
UVE last closed at $47.89 on 2026-10-20. Since 2024-10-21 it has turned at 20 prices below its last close and 0 above; the 3 nearest below are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $45.11 | Support | 5.8% below the last close | turned there four times · 2026-07-29 to 2026-09-14 |
| $43.87 | Support | 8.4% below the last close | turned there three times · 2026-07-02 to 2026-08-25 |
| $41.80 | Support | 12.7% below the last close | turned there four times · 2026-04-28 to 2026-09-29 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a three-part downward correction — the A-B-C shape chartists use for a pullback — now complete.
This labelling fails — stops being a possible reading at all — if it closes below $41.65.
It is the only labelling that fits these swings, though its proportions are not the textbook ones.
This reading has stood for 35 trading days, since 2026-09-01.
Read from daily closes as of 2026-10-20.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · Trading above the 50-day moving average · Near the 52-week high · Broke out to a new 20-day high · in a strong, established uptrend (ADX) · beating the market | Learn: moving average · golden cross · adx · rsi · breakout · fifty two week high low
Based on daily closing prices as of 2026-10-20. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingHold (3.00 mean, 1=Strong Buy…5=Strong Sell) — 1 analyst
- Mean price target$45.00 range $45.00 – $45.00
Analyst estimates, as of 2026-10-21. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for UVE
- Consensus EPS estimate$1.34 next reporting period, as of 2026-10-21
- Estimate change, 30 days+$1.31 from $0.03, on 2026-09-16, 35-day window
- Readings revised upward10% of 10 comparable readings
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Significant concentration of business and exposure to regulatory and weather-related risks in Florida.","High dependence on reinsurance availability and pricing to mitigate catastrophic loss exposure.","Potential for actual claims and loss adjustment expenses to exceed established reserves."]
What changed in the latest 10-Q
AI-assisted comparison of UVE's 10-Q filed 2026-04-29 against the prior one filed 2025-10-30.
Management's Discussion & Analysis (MD&A)
- Added:
- Added bullet point in newer filing (2026-04-29): 'We have entered new markets and expect that we will continue to do so, but there can be no assurance that our diversification and growth strategy will be effective.' (moved from later position in older filing)
- Added new AI-related risk bullet in newer filing (2026-04-29): 'Our ability to implement or adjust to technological changes, especially regarding artificial intelligence ("AI"), may be limited, or we could introduce technology containing errors, which may trigger regulatory actions or put us at a competitive disadvantage.'
- Added new reputation/brand risk bullet in newer filing (2026-04-29): 'Failure to maintain or enhance our brand or damage to our reputation could adversely impact our business.'
- Added 'and develop' to employee retention bullet in newer filing (2026-04-29): 'Our success depends, in part, on our ability to attract, retain, and develop talented employees...'
- Removed:
- Removed specific pandemic reference from older filing (2025-10-30): 'Pandemics, including COVID-19 and other outbreaks of disease, could impact our business, financial results, and growth.' replaced with generalized 'Pandemics and macroeconomic conditions could impact our business, financial results, and growth.' in newer filing (2026-04-29)
- Removed specific reference to statutory capital and surplus bullet point from risk factors section in newer filing (2026-04-29); this appears cut off in the provided text but was present in older filing (2025-10-30)
- Reworded:
- Changed Florida exposure description from 'Because we conduct the majority of our business in Florida' (2025-10-30) to 'Because we have significant exposure to the Florida market' (2026-04-29)
- Changed pricing/reserve language from 'If we fail to adequately price the risks we underwrite and/or the estimates we make, or if emerging trends outpace our ability to adjust prices timely' (2025-10-30) to 'If we fail to adequately price the risks we underwrite, if emerging trends outpace our ability to adjust prices in a timely manner' (2026-04-29)
- Changed information security bullet from 'Breaches of our information systems' (2025-10-30) to 'Breaches or other failures of our information systems' (2026-04-29)
- Changed regulatory language from 'Regulations limiting rate changes and requiring the Company to participate' (2025-10-30) to 'Regulations limiting rate changes and requiring us to participate' (2026-04-29)
- Changed reinsurance credit risk language from 'Reinsurance subjects the Company to the credit risk' (2025-10-30) to 'Reinsurance subjects us to the credit risk' (2026-04-29)
- Notes:
- Both filings appear truncated at the end; comparison limited to complete text provided
- Reference year updated from 2024 to 2025 in boilerplate language for updated 10-K reference (expected annual update)
- Bullet point ordering differs between filings; identified additions/removals/changes based on content rather than position
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
0 open-market purchases and 2 open-market sales by insiders in the last 90 days, of which we have read Form 4 filings through 2026-10-16. The 6 days since 2026-10-16 have not been checked yet.
- Last 90 days · read to 2026-10-160 buys · 2 sells ($2M) — 1 selling insider
- Last 180 days · read to 2026-10-160 buys · 10 sells ($4M) — 2 selling insiders
Activity heuristic: net selling (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-09-11. Based on Form 4 filings read through 2026-10-16; anything filed since is not yet included.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about UVE's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
5 institutional 13F filers reported holding UVE as of 2026-06-30 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 3,628,200
- Reported value $150,062,365
reported quarterly holdings change (2026-03-31 → 2026-06-30): 0 new, 3 increased, 2 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Ask about UVE's institutional holders → See what each manager we track holds →
Short interest (FINRA)
UVE had 1,196,016 shares of reported short interest as of the 2026-09-30 FINRA settlement date (delayed, bi-monthly; not real-time).
UVE had 4.30% of its shares outstanding sold short as of the 2026-09-30 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 7.03 days to cover at the same settlement.
- Reported short interest (shares) 1,196,016
- Short interest (% of shares outstanding) 4.30%
- Prior settlement (shares) 651,620
- Reported change 83.55%
- Days to cover (reported) 7.03
Reported to FINRA as of the 2026-09-30 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Heritage Insurance Holdings (HRTG)
- FedNat Holding Company (FNHC)
- American Coastal Insurance
- Progressive (PGR)
- Allstate (ALL)
- Travelers (TRV)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does UNIVERSAL INSURANCE HOLDINGS INC (UVE) do?
Universal Insurance Holdings is a vertically integrated property and casualty insurance company that focuses on homeowners insurance. The company conducts business through its wholly-owned subsidiaries, managing the entire insurance lifecycle including underwriting, distribution, claims processing, and the purchase of reinsurance. It maintains a significant concentration of its business in the Florida market.
What sector is UNIVERSAL INSURANCE HOLDINGS INC (UVE) in?
UNIVERSAL INSURANCE HOLDINGS INC (UVE) is classified in the Financials sector. Its industry is Property & Casualty Insurance. It trades on NYSE.
Does UVE pay a dividend?
Yes — UNIVERSAL INSURANCE HOLDINGS INC (UVE) pays a dividend, with an indicated yield of about 1.45% and 16-year non-decreasing per-share dividend streak (SEC EDGAR XBRL) (market data, as of 2026-09-02). Informational only — not financial advice.
Who are UNIVERSAL INSURANCE HOLDINGS INC's (UVE) competitors?
Notable peers of UNIVERSAL INSURANCE HOLDINGS INC (UVE) include Heritage Insurance Holdings, FedNat Holding Company, American Coastal Insurance, Progressive and Allstate. This peer set is informational only — not financial advice.
Is UNIVERSAL INSURANCE HOLDINGS INC (UVE) overbought or oversold right now?
UNIVERSAL INSURANCE HOLDINGS INC (UVE) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 69, in the neutral middle (as of 2026-10-20). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on UVE come from?
Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-02 for the rest; prices are market data, as of 2026-09-02; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-02 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.