Price
No data yet.
Social Signal Score
Revenue
$424.96M+146.45%Analyst Estimates
Consensus estimates, not results. Via Financial Modeling Prep.
Company Profile
- CEO
- Stephen J. Donaghy
- Sector
- Financial Services
- Industry
- Insurance - Property & Casualty
- Employees
- 929
- Beta
- 0.73
- Country
- US
- Piotroski score
- 8 / 9 (Strong)
- Altman Z-score
- 1.87
Financials
Revenue
$424.96M+146.4%Net Income
$59.19M+120.2%EBITDA
$81.61M+84.8%Free Cash Flow
$100.17M+324.6%EPS (diluted)
$2.04+172.0%Shares Outstanding (diluted)
28.81M-19.4%Operating Expenses
$100.86MCash & Debt
$703.84MReturn of Capital
$8.95MDividend per Share
$0.16Quote
Valuation & Ratios
Returns & Efficiency
Revenue & Net Income (Annual)
| Fiscal Year | Revenue | Net Income | EPS |
|---|---|---|---|
| 2025 | $1.60B | $182.95M | $6.56 |
| 2024 | $1.52B | $58.93M | $2.07 |
| 2023 | $1.39B | $66.82M | $2.24 |
| 2022 | $1.22B | $-22.26M | $-0.72 |
| 2021 | $1.12B | $20.41M | $0.65 |
| 2020 | $1.07B | $19.11M | $0.60 |
| 2019 | $939.35M | $46.51M | $1.37 |
| 2018 | $823.82M | $117.05M | $3.36 |
| 2017 | $751.92M | $106.94M | $3.07 |
| 2016 | $685.29M | $99.41M | $2.85 |
| 2015 | $546.54M | $106.48M | $3.06 |
| 2014 | $369.28M | $72.99M | $2.17 |
| 2013 | $301.16M | $58.98M | $1.64 |
| 2012 | $269.94M | $30.31M | $0.76 |
Valuation
Project earnings forward and see what return today's price implies.
Seeded from UVE's reported EPS growth of 18.0% a year over 13 years.
- EPS in 5 years
- $15.03
- Implied price
- $75.14
- Return from $43.51
- 11.5% a year
To earn 15.0% a year on these assumptions you'd need to buy at $37.36 — -14.1% below today's price.
How sensitive is that answer?
Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.
| growth \ P/E | 1 | 3 | 5 | 7 | 9 |
|---|---|---|---|---|---|
| 8.0% | -26.0% | -7.8% | 2.1% | 9.2% | 14.8% |
| 13.0% | -22.6% | -3.6% | 6.8% | 14.3% | 20.1% |
| 18.0% | -19.2% | 0.7% | 11.5% | 19.3% | 25.5% |
| 23.0% | -15.7% | 5.0% | 16.3% | 24.4% | 30.8% |
| 28.0% | -12.3% | 9.2% | 21.0% | 29.4% | 36.1% |
This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.
Signal Score (90d)
120-7.69%Social Signal Score
Mentions (2)
- Newszacks.com·5h ago·Positive
UVE's Underwriting, Premium Growth and Diversification Boost Earnings Universal Insurance's stronger underwriting, premium growth and geographic diversification are supporting earnings as Florida reforms improve results.
View source ↗ - Newszacks.com·12d ago·Positive
UVE Stock Gains 71.4% in a Year: Time to Add It for Better Returns? Universal Insurance's disciplined underwriting, premium growth and improved Florida claims trends support profitability, while diversification strengthens its risk profile.
View source ↗
Earnings
Thu, Oct 22(in 7 weeks)
Consensus estimate $0.03 per share
Typical surprise +28.7% (median, so one quarter with a near-zero estimate can't distort it)
- Thu, Jul 23$1.84 vs $1.43beat
- Thu, Apr 23$2.00 vs $1.39beat
- Tue, Feb 24$2.17 vs $1.30beat
- Thu, Oct 23$1.36 vs $1.10beat
- Thu, Jul 24$1.23 vs $1.09beat
- Thu, Apr 24$1.44 vs $1.12beat
Estimates and results for UVE via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.
Insider trading
Open-market buys and sells by UVE officers and directors.
- Bought
- —
- Sold
- $11.1m
0 trades
24 trades
- Downes Sean Psold
- Downes Sean Psold
- Downes Sean Psold
- Downes Sean Psold
- Pietrangelo Michaelsold
- Pietrangelo Michaelsold
- Downes Sean Psold
- Downes Sean Psold
76 further Form 4 entries are share awards, option exercises or shares withheld for tax. Those are compensation, not trades, so they are excluded above. Buying is the stronger signal: an insider spends their own money for one reason. Selling has many innocent explanations — tax, diversifying, a house — so it says far less than it appears to. Via SEC filings.