(UVE) Universal Insurance Holdings - Overview
Stock: Homeowners, Renters, Condo, Dwelling, Fire
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 2.59% |
| Yield on Cost 5y | 5.51% |
| Yield CAGR 5y | 0.00% |
| Payout Consistency | 76.6% |
| Payout Ratio | 15.9% |
| Risk 5d forecast | |
|---|---|
| Volatility | 32.6% |
| Relative Tail Risk | -6.05% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.45 |
| Alpha | 53.42 |
| Character TTM | |
|---|---|
| Beta | 0.452 |
| Beta Downside | 0.548 |
| Drawdowns 3y | |
|---|---|
| Max DD | 37.93% |
| CAGR/Max DD | 1.11 |
Description: UVE Universal Insurance Holdings December 24, 2025
Universal Insurance Holdings, Inc. (NYSE: UVE) is a U.S.-based, integrated property-and-casualty insurer that underwrites personal residential lines-including homeowners, renters, condo owners, and dwelling-fire coverage-as well as allied lines such as personal property and liability. The firm handles the full value chain: actuarial analysis, underwriting, policy administration, claims payment, and reinsurance program management, and it operates the digital agency Clovered.com.
Distribution is split among an independent agency network, a direct-to-consumer online channel, and the Clovered digital platform, giving UVE a hybrid model that can capture both traditional broker relationships and price-sensitive online shoppers. In 2023 the company reported net written premiums of roughly $1.2 billion and a combined ratio of 92.5%, indicating underwriting profitability, while its investment portfolio generated a 5.8% return on assets-both metrics that are sensitive to prevailing interest-rate levels.
Key drivers for UVE include the health of the U.S. housing market (which fuels homeowners-insurance demand), the trajectory of inflation-linked construction costs (affecting loss severity), and the cost of reinsurance amid a hardening market. For a deeper quantitative breakdown, the ValueRay platform provides granular metrics and scenario analysis that can help you assess UVE’s valuation.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income: 122.4m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.08 > 0.02 and ΔFCF/TA -0.52 > 1.0 |
| NWC/Revenue: 34.98% < 20% (prev 61.76%; Δ -26.78% < -1%) |
| CFO/TA 0.08 > 3% & CFO 254.1m > Net Income 122.4m |
| Net Debt (-304.4m) to EBITDA (167.7m): -1.82 < 3 |
| Current Ratio: 151.9 > 1.5 & < 3 |
| Outstanding Shares: last quarter (28.8m) vs 12m ago 1.60% < -2% |
| Gross Margin: 17.81% > 18% (prev 0.14%; Δ 1767 % > 0.5%) |
| Asset Turnover: 55.08% > 50% (prev 57.01%; Δ -1.94% > 0%) |
| Interest Coverage Ratio: 1.53 > 6 (EBITDA TTM 167.7m / Interest Expense TTM 5.73m) |
Altman Z'' 2.20
| A: 0.18 (Total Current Assets 556.6m - Total Current Liabilities 3.66m) / Total Assets 3.09b |
| B: 0.23 (Retained Earnings 699.4m / Total Assets 3.09b) |
| C: 0.00 (EBIT TTM 8.78m / Avg Total Assets 2.87b) |
| D: 0.26 (Book Value of Equity 669.2m / Total Liabilities 2.59b) |
| Altman-Z'' Score: 2.20 = BBB |
Beneish M -1.75
| DSRI: 1.66 (Receivables 398.4m/230.0m, Revenue 1.58b/1.51b) |
| GMI: 0.80 (GM 17.81% / 14.19%) |
| AQI: 2.57 (AQ_t 0.80 / AQ_t-1 0.31) |
| SGI: 1.05 (Revenue 1.58b / 1.51b) |
| TATA: -0.04 (NI 122.4m - CFO 254.1m) / TA 3.09b) |
| Beneish M-Score: -1.75 (Cap -4..+1) = CCC |
What is the price of UVE shares?
Over the past week, the price has changed by +4.14%, over one month by +6.98%, over three months by -2.75% and over the past year by +62.41%.
Is UVE a buy, sell or hold?
- StrongBuy: 0
- Buy: 1
- Hold: 0
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the UVE price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 40 | 26.1% |
| Analysts Target Price | 40 | 26.1% |
| ValueRay Target Price | 43.8 | 38% |
UVE Fundamental Data Overview February 04, 2026
P/S = 0.5582
P/B = 1.7253
Revenue TTM = 1.58b USD
EBIT TTM = 8.78m USD
EBITDA TTM = 167.7m USD
Long Term Debt = 100.7m USD (from longTermDebt, last quarter)
Short Term Debt = 6.62m USD (from shortTermDebt, last quarter)
Debt = 100.7m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -304.4m USD (from netDebt column, last quarter)
Enterprise Value = 578.0m USD (882.4m + Debt 100.7m - CCE 405.1m)
Interest Coverage Ratio = 1.53 (Ebit TTM 8.78m / Interest Expense TTM 5.73m)
EV/FCF = 2.31x (Enterprise Value 578.0m / FCF TTM 249.8m)
FCF Yield = 43.22% (FCF TTM 249.8m / Enterprise Value 578.0m)
FCF Margin = 15.80% (FCF TTM 249.8m / Revenue TTM 1.58b)
Net Margin = 7.74% (Net Income TTM 122.4m / Revenue TTM 1.58b)
Gross Margin = 17.81% ((Revenue TTM 1.58b - Cost of Revenue TTM 1.30b) / Revenue TTM)
Gross Margin QoQ = 21.22% (prev 19.48%)
Tobins Q-Ratio = 0.19 (Enterprise Value 578.0m / Total Assets 3.09b)
Interest Expense / Debt = 1.42% (Interest Expense 1.43m / Debt 100.7m)
Taxrate = 24.53% (12.9m / 52.8m)
NOPAT = 6.63m (EBIT 8.78m * (1 - 24.53%))
Current Ratio = 151.9 (out of range, set to none) (Total Current Assets 556.6m / Total Current Liabilities 3.66m)
Debt / Equity = 0.20 (Debt 100.7m / totalStockholderEquity, last quarter 495.0m)
Debt / EBITDA = -1.82 (Net Debt -304.4m / EBITDA 167.7m)
Debt / FCF = -1.22 (Net Debt -304.4m / FCF TTM 249.8m)
Total Stockholder Equity = 437.1m (last 4 quarters mean from totalStockholderEquity)
RoA = 4.26% (Net Income 122.4m / Total Assets 3.09b)
RoE = 28.00% (Net Income TTM 122.4m / Total Stockholder Equity 437.1m)
RoCE = 1.63% (EBIT 8.78m / Capital Employed (Equity 437.1m + L.T.Debt 100.7m))
RoIC = 1.23% (NOPAT 6.63m / Invested Capital 538.1m)
WACC = 6.91% (E(882.4m)/V(983.1m) * Re(7.58%) + D(100.7m)/V(983.1m) * Rd(1.42%) * (1-Tc(0.25)))
Discount Rate = 7.58% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -100.0 | Cagr: -1.16%
[DCF Debug] Terminal Value 84.58% ; FCFF base≈241.1m ; Y1≈289.6m ; Y5≈463.6m
Fair Price DCF = 369.6 (EV 10.06b - Net Debt -304.4m = Equity 10.37b / Shares 28.0m; r=6.91% [WACC]; 5y FCF grow 21.46% → 2.90% )
EPS Correlation: 24.78 | EPS CAGR: -6.23% | SUE: -2.60 | # QB: 0
Revenue Correlation: 96.31 | Revenue CAGR: 8.76% | SUE: 0.96 | # QB: 6
EPS next Quarter (2026-03-31): EPS=1.32 | Chg30d=+0.000 | Revisions Net=+0 | Analysts=1
EPS next Year (2026-12-31): EPS=3.34 | Chg30d=+0.000 | Revisions Net=+1 | Growth EPS=-37.2% | Growth Revenue=-3.7%