Price
No data yet.
Social Signal Score
Analyst Ratings
4 analystsRevenue
$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
- 0.70
- Country
- US
- Piotroski score
- 8 / 9 (Strong)
- Altman Z-score
- 1.89
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 $46.70
- 10.0% a year
To earn 15.0% a year on these assumptions you'd need to buy at $37.36 — -20.0% 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% | -27.0% | -9.1% | 0.7% | 7.7% | 13.2% |
| 13.0% | -23.7% | -4.9% | 5.3% | 12.7% | 18.5% |
| 18.0% | -20.3% | -0.7% | 10.0% | 17.6% | 23.7% |
| 23.0% | -16.9% | 3.5% | 14.6% | 22.6% | 28.9% |
| 28.0% | -13.5% | 7.7% | 19.3% | 27.6% | 34.2% |
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)
167+108.33%Social Signal Score
Mentions (7)
- Newszacks.com·4d ago·Neutral
UVE Relies on Investment Income Amid Underwriting Volatility Universal Insurance's rising investment income and expanding portfolio strengthen its earnings base, providing support amid underwriting and catastrophe-related volatility.
View source ↗ - Newszacks.com·4d ago·Positive
Should Value Investors Buy Universal Insurance Holdings (UVE) Stock? Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.
View source ↗ - Newszacks.com·4d ago·Positive
UNIVERSAL INSURANCE HOLDINGS INC (UVE) Hit a 52 Week High, Can the Run Continue? Universal Insurance (UVE) is at a 52-week high, but can investors hope for more gains in the future? We take a look at the company's fundamentals for clues.
View source ↗ - Newszacks.com·21d ago·Neutral
UVE Near 52-Week High: Time to Buy, Sell or Hold the Stock? Universal Insurance's disciplined underwriting, premium growth and improving claims trends are boosting profitability, while diversification reduces catastrophe concentration risk.
View source ↗ - Newszacks.com·22d ago·Positive
Are Investors Undervaluing Universal Insurance Holdings (UVE) Right Now? Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.
View source ↗ - Newszacks.com·45d 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·57d 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 5 days)
Consensus estimate $1.57 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
- $11.9m
0 trades
25 trades
- Downes Sean Psold
- Downes Sean Psold
- Downes Sean Psold
- Downes Sean Psold
- Downes Sean Psold
- Pietrangelo Michaelsold
- Pietrangelo Michaelsold
- Downes Sean Psold
75 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.
Congress trades
No disclosed congressional trades in UVE.
Self-reported filings, amounts as brackets. Via Senate/House disclosures.