Stocks · Financial Services · Insurance - Property & Casualty
Universal Insurance Holdings, Inc. UVE
$43.95 +1.90% Close, Oct 2, 2026 · NYSE · Market cap $1.22B
High qualityStrong trendInexpensive vs sector
Next earnings report: Oct 22, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $7.61, up 232.3% year over year.
- Operating margin widened to 18.0% from 5.8% a year earlier.
- Earnings beat analyst estimates in each of the last 14 quarters (average surprise over the last four: +40.8%).
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 39%
- EPS growth (TTM, YoY)Top 4%
- FCF growth (TTM, YoY)Top 43%
- Revenue growth, 3-year CAGRBottom 27%
- Revenue growth accelerationTop 43%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 21%
- Gross marginBottom 14%
- Operating marginBottom 41%
- Cash conversion (OCF / net income)Top 27%
- Accruals (lower is better)Top 18%
- Net debt / EBITDA (lower is better)Top 14%
- Interest coverTop 3%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 5%
- Free-cash-flow yieldTop 10%
- EBITDA / enterprise valueTop 3%
- Sales / enterprise valueTop 4%
- P/E vs own 5-year history (lower is better)Top 9%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 3%
- 6-month returnTop 9%
- 1-year return vs S&P 500Top 2%
- Distance from 52-week highTop 13%
- Trend checklist (0–4)Top 11%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 6%
- Consecutive EPS beatsTop 2%
- Share of analysts rating BuyBottom 19%
- Upside to consensus price targetBottom 15%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 18%
- Maximum drawdown, 3 yearsTop 39%
- Beta vs S&P 500 (lower is better)Top 24%
- Net debt / EBITDA (lower is better)Top 14%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 3.3% | 3.6% | ↑ |
| EPS growth (YoY) | 196.1% | 232.3% | ↑ |
| Gross margin | 13.3% | 37.7% | ↑ |
| Operating margin | 5.8% | 18.0% | ↑ |
| FCF margin | 17.2% | 20.9% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 3.6% | 3.3% | ↑ | Bottom 39% |
| EPS growth (TTM, YoY) | 232.3% | 196.1% | ↑ | Top 4% |
| Gross margin | 37.7% | 13.3% | ↑ | Bottom 14% |
| Operating margin | 18.0% | 5.8% | ↑ | Bottom 41% |
| Net margin | 13.5% | 4.2% | ↑ | — |
| Free-cash-flow margin | 20.9% | 17.2% | ↑ | — |
| Return on invested capital | 7.4% | — | Top 21% | |
| Revenue growth, 3-year CAGR | 9.3% | — | Bottom 27% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.57×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -3.8%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.8%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -85.6 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -1.42×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 52.7×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 1.81%
- Net buyback yield (TTM)
- 2.18%
- Shareholder yield
- 3.99%
- Share count change, 1 year
- +0.1%
- Share count change, 3-year CAGR
- -2.1%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Jul 30, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 14
- Beats in the last 8 reports
- 8 of 8
- Average EPS surprise, last 4
- +40.8%
- Average 2-day reaction, last 8
- +1.4%
- Positive 20 days after report
- 7 of 8
Analysts
- Consensus price target
- $45.00
- Target vs current price
- +2.4%
- Analysts with a rating
- 4
- Share rating Buy or Strong Buy
- 25%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 23, 2026 | +28.7% | -0.3% | +19.1% | +11.7% | — |
| Apr 23, 2026 | +43.9% | +3.2% | +14.9% | +17.1% | +14.9% |
| Feb 24, 2026 | +66.9% | +5.6% | +20.2% | +13.1% | +30.4% |
| Oct 23, 2025 | +23.6% | +0.1% | +9.9% | +17.3% | +3.0% |
| Jul 24, 2025 | +12.8% | -2.7% | -8.1% | -3.9% | +9.8% |
| Apr 24, 2025 | +28.6% | -0.3% | +3.3% | +13.1% | +8.7% |
| Feb 25, 2025 | +177.8% | +3.5% | +12.3% | +10.3% | +34.0% |
| Oct 24, 2024 | +29.1% | +2.4% | +2.8% | +13.5% | -0.4% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 23, 2026 | $1.84 | $1.43 | +28.7% | $621.3M |
| Apr 23, 2026 | $2.00 | $1.39 | +43.9% | $506.5M |
| Feb 24, 2026 | $2.17 | $1.30 | +66.9% | $483.7M |
| Oct 23, 2025 | $1.36 | $1.10 | +23.6% | $401.0M |
| Jul 24, 2025 | $1.23 | $1.09 | +12.8% | $400.1M |
| Apr 24, 2025 | $1.44 | $1.12 | +28.6% | $394.9M |
| Feb 25, 2025 | $0.25 | $0.09 | +177.8% | $384.8M |
| Oct 24, 2024 | -$0.73 | -$1.03 | +29.1% | $387.6M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 5.8× | 8.2× | 6th | Top 5% |
| P/E (forward) | 8.0× | — | — | — |
| EV / EBITDA | 2.6× | — | — | Top 3% |
| EV / Sales | 0.49× | — | — | Top 4% |
| Free-cash-flow yield | 27.77% | — | — | Top 10% |
| Earnings yield | 17.32% | — | — | Top 5% |
P/E over the past five years
Range 5.5× – 86.3× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +70.3%
- Earnings per share growth (TTM)
- +232.3%
- Change in P/E multiple
- -43.4%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✓ Price above 20-day average
- ✓ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 1
- Days above the 200-day average
- 404
- 50-day average slope (20 days)
- +2.7%
- 200-day average slope (20 days)
- +2.9%
- Distance from 50-day average
- +1.2%
- Distance from 200-day average
- +17.3%
- RSI (14)
- 56.7
- Relative volume
- 0.90×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 37.4%
- Volatility vs own 5-year history
- 53th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.29
- Correlation with S&P 500
- 0.13
- Current drawdown from 1-year high
- -2.5%
- Maximum drawdown, 3 years
- -25.7%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jan 13, 2022 | Oct 7, 2022 | -56.0% | 184 days | 133 days (Apr 20, 2023) |
| Apr 21, 2023 | Sep 6, 2023 | -39.2% | 94 days | 117 days (Feb 23, 2024) |
| Sep 18, 2024 | Oct 7, 2024 | -25.8% | 13 days | 34 days (Nov 22, 2024) |
| Mar 15, 2021 | Sep 21, 2021 | -23.6% | 132 days | 59 days (Dec 14, 2021) |
| Oct 12, 2020 | Oct 28, 2020 | -23.3% | 12 days | 13 days (Nov 16, 2020) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $1.22B
- P/E (TTM)
- 5.8
- EPS, diluted (TTM)
- $7.61
- Revenue (TTM)
- $1.62B
- Dividend yield
- 1.75%
- 52-week range
- $25.58 – $45.15
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $1.12B | $1.22B | $1.39B | $1.52B | $1.60B |
| Gross profit | $116.5M | $70.0M | $190.9M | $199.7M | $609.7M |
| Operating income | $28.4M | -$27.2M | $88.3M | $84.6M | $243.1M |
| Net income | $20.4M | -$22.3M | $66.8M | $58.9M | $183.0M |
| EPS (diluted) | $0.65 | -$0.72 | $2.22 | $2.01 | $6.32 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $387.6M | $384.8M | $394.9M | $400.1M | $401.0M | $406.0M | $391.5M | $425.0M |
| Net income | -$16.2M | $6.0M | $41.4M | $35.1M | $39.8M | $66.6M | $54.3M | $59.2M |
| EPS (diluted) | -$0.57 | $0.21 | $1.44 | $1.21 | $1.38 | $2.31 | $1.88 | $2.04 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $234.4M | $324.5M | $71.0M | $137.4M | $381.5M |
| Capital expenditure | -$7.2M | -$4.9M | -$4.0M | -$7.4M | -$4.4M |
| Free cash flow | $227.2M | $319.6M | $67.0M | $130.0M | $377.1M |
| Dividends paid | -$24.2M | -$23.8M | -$23.3M | -$22.3M | -$22.2M |
| Net share buybacks | -$1.6M | -$11.6M | -$22.0M | -$21.9M | -$22.4M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $703.8M
- Total assets
- $3.31B
- Total liabilities
- $2.67B
- Total debt
- $97.9M
- Net debt
- -$434.3M
- Shareholders’ equity
- $637.2M
As of Jun 30, 2026 (filed Jul 30, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Jul 31, 2026 | $0.16 | Aug 7, 2026 |
| May 8, 2026 | $0.16 | May 15, 2026 |
| Mar 6, 2026 | $0.16 | Mar 13, 2026 |
| Dec 5, 2025 | $0.29 | Dec 12, 2025 |
| Aug 1, 2025 | $0.16 | Aug 8, 2025 |
| May 9, 2025 | $0.16 | May 16, 2025 |
| Mar 7, 2025 | $0.16 | Mar 14, 2025 |
| Dec 6, 2024 | $0.29 | Dec 13, 2024 |
Short interest
- Shares sold short
- 651,620
- Days to cover
- 5.01
- Change vs previous report
- +6.8%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Dec 8, 1994
- 1-for-4