UNIVERSAL INSURANCE HOLDINGS (UVE) Stock Fundamental Analysis

NYSE:UVE • US91359V1070

32.12 USD
+0.95 (+3.05%)
At close: Feb 17, 2026
32.12 USD
0 (0%)
After Hours: 2/17/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

Overall UVE gets a fundamental rating of 5 out of 10. We evaluated UVE against 149 industry peers in the Insurance industry. UVE has an average financial health and profitability rating. A decent growth rate in combination with a cheap valuation! Better keep an eye on UVE.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • UVE had positive earnings in the past year.
  • UVE had a positive operating cash flow in the past year.
  • UVE had positive earnings in 4 of the past 5 years.
  • In the past 5 years UVE always reported a positive cash flow from operatings.
UVE Yearly Net Income VS EBIT VS OCF VS FCFUVE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M 200M 300M

1.2 Ratios

  • UVE's Return On Assets of 3.96% is fine compared to the rest of the industry. UVE outperforms 75.84% of its industry peers.
  • The Return On Equity of UVE (24.72%) is better than 91.95% of its industry peers.
  • UVE has a Return On Invested Capital of 4.06%. This is in the better half of the industry: UVE outperforms 67.79% of its industry peers.
Industry RankSector Rank
ROA 3.96%
ROE 24.72%
ROIC 4.06%
ROA(3y)1.4%
ROA(5y)1.25%
ROE(3y)9.21%
ROE(5y)7.32%
ROIC(3y)N/A
ROIC(5y)N/A
UVE Yearly ROA, ROE, ROICUVE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 20

1.3 Margins

  • UVE has a Profit Margin (7.74%) which is in line with its industry peers.
  • In the last couple of years the Profit Margin of UVE has declined.
  • UVE's Operating Margin of 10.65% is in line compared to the rest of the industry. UVE outperforms 43.62% of its industry peers.
  • UVE's Operating Margin has declined in the last couple of years.
Industry RankSector Rank
OM 10.65%
PM (TTM) 7.74%
GM N/A
OM growth 3Y32.18%
OM growth 5Y-2.45%
PM growth 3Y28.68%
PM growth 5Y-4.78%
GM growth 3YN/A
GM growth 5YN/A
UVE Yearly Profit, Operating, Gross MarginsUVE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10 15 20

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so UVE is destroying value.
  • UVE has less shares outstanding than it did 1 year ago.
  • The number of shares outstanding for UVE has been reduced compared to 5 years ago.
  • UVE has a better debt/assets ratio than last year.
UVE Yearly Shares OutstandingUVE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
UVE Yearly Total Debt VS Total AssetsUVE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B 2.5B

2.2 Solvency

  • UVE has a debt to FCF ratio of 0.44. This is a very positive value and a sign of high solvency as it would only need 0.44 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 0.44, UVE belongs to the top of the industry, outperforming 85.23% of the companies in the same industry.
  • A Debt/Equity ratio of 0.22 indicates that UVE is not too dependend on debt financing.
  • The Debt to Equity ratio of UVE (0.22) is better than 67.79% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.22
Debt/FCF 0.44
Altman-Z N/A
ROIC/WACC0.5
WACC8.16%
UVE Yearly LT Debt VS Equity VS FCFUVE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
UVE Yearly Current Assets VS Current LiabilitesUVE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. Growth

3.1 Past

  • UVE shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 119.49%, which is quite impressive.
  • Measured over the past years, UVE shows a quite strong growth in Earnings Per Share. The EPS has been growing by 10.18% on average per year.
  • Looking at the last year, UVE shows a small growth in Revenue. The Revenue has grown by 4.61% in the last year.
  • Measured over the past years, UVE shows a quite strong growth in Revenue. The Revenue has been growing by 10.11% on average per year.
EPS 1Y (TTM)119.49%
EPS 3Y44.23%
EPS 5Y10.18%
EPS Q2Q%286.3%
Revenue 1Y (TTM)4.61%
Revenue growth 3Y10.67%
Revenue growth 5Y10.11%
Sales Q2Q%4.03%

3.2 Future

  • UVE is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 28.86% yearly.
  • The Revenue is expected to grow by 5.06% on average over the next years.
EPS Next Y203.57%
EPS Next 2Y38.05%
EPS Next 3Y28.86%
EPS Next 5YN/A
Revenue Next Year17.06%
Revenue Next 2Y6.16%
Revenue Next 3Y5.06%
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
UVE Yearly Revenue VS EstimatesUVE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 500M 1B 1.5B
UVE Yearly EPS VS EstimatesUVE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 2 4

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Find the best growth stocksShow best growing peers

8

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 7.50 indicates a rather cheap valuation of UVE.
  • 77.85% of the companies in the same industry are more expensive than UVE, based on the Price/Earnings ratio.
  • The average S&P500 Price/Earnings ratio is at 27.16. UVE is valued rather cheaply when compared to this.
  • UVE is valuated reasonably with a Price/Forward Earnings ratio of 9.52.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of UVE indicates a somewhat cheap valuation: UVE is cheaper than 61.07% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.10, UVE is valued rather cheaply.
Industry RankSector Rank
PE 7.5
Fwd PE 9.52
UVE Price Earnings VS Forward Price EarningsUVE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of UVE indicates a rather cheap valuation: UVE is cheaper than 87.92% of the companies listed in the same industry.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of UVE indicates a somewhat cheap valuation: UVE is cheaper than 77.85% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 3.65
EV/EBITDA 3.27
UVE Per share dataUVE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40 50

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • UVE's earnings are expected to grow with 28.86% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.04
PEG (5Y)0.74
EPS Next 2Y38.05%
EPS Next 3Y28.86%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. Dividend

5.1 Amount

  • UVE has a Yearly Dividend Yield of 2.01%.
  • Compared to an average industry Dividend Yield of 2.68, UVE has a dividend in line with its industry peers.
  • UVE's Dividend Yield is comparable with the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 2.01%

5.2 History

  • The dividend of UVE has a limited annual growth rate of 0.21%.
  • UVE has been paying a dividend for at least 10 years, so it has a reliable track record.
  • As UVE did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)0.21%
Div Incr Years0
Div Non Decr Years6
UVE Yearly Dividends per shareUVE Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6

5.3 Sustainability

  • UVE pays out 17.83% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of UVE is growing, but earnings are growing more, so the dividend growth is sustainable.
DP17.83%
EPS Next 2Y38.05%
EPS Next 3Y28.86%
UVE Yearly Income VS Free CF VS DividendUVE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M 200M 300M
UVE Dividend Payout.UVE Dividend Payout, showing the Payout Ratio.UVE Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

UNIVERSAL INSURANCE HOLDINGS

NYSE:UVE (2/17/2026, 8:04:00 PM)

After market: 32.12 0 (0%)

32.12

+0.95 (+3.05%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)10-23
Earnings (Next)02-24
Inst Owners75.05%
Inst Owner Change1.3%
Ins Owners6.32%
Ins Owner Change-7.2%
Market Cap900.97M
Revenue(TTM)1.58B
Net Income(TTM)122.37M
Analysts80
Price Target40.8 (27.02%)
Short Float %2.67%
Short Ratio3.71
Dividend
Industry RankSector Rank
Dividend Yield 2.01%
Yearly Dividend0.78
Dividend Growth(5Y)0.21%
DP17.83%
Div Incr Years0
Div Non Decr Years6
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)15.57%
Min EPS beat(2)8.73%
Max EPS beat(2)22.41%
EPS beat(4)4
Avg EPS beat(4)58.88%
Min EPS beat(4)8.73%
Max EPS beat(4)191.21%
EPS beat(8)8
Avg EPS beat(8)43.28%
EPS beat(12)12
Avg EPS beat(12)54.62%
EPS beat(16)16
Avg EPS beat(16)43.71%
Revenue beat(2)1
Avg Revenue beat(2)3.63%
Min Revenue beat(2)-2.8%
Max Revenue beat(2)10.06%
Revenue beat(4)3
Avg Revenue beat(4)6.62%
Min Revenue beat(4)-2.8%
Max Revenue beat(4)10.14%
Revenue beat(8)7
Avg Revenue beat(8)4.46%
Revenue beat(12)10
Avg Revenue beat(12)4.45%
Revenue beat(16)13
Avg Revenue beat(16)4.58%
PT rev (1m)14.29%
PT rev (3m)14.29%
EPS NQ rev (1m)116.67%
EPS NQ rev (3m)116.67%
EPS NY rev (1m)14.9%
EPS NY rev (3m)14.9%
Revenue NQ rev (1m)0.23%
Revenue NQ rev (3m)0.23%
Revenue NY rev (1m)2.32%
Revenue NY rev (3m)2.32%
Valuation
Industry RankSector Rank
PE 7.5
Fwd PE 9.52
P/S 0.57
P/FCF 3.65
P/OCF 3.56
P/B 1.82
P/tB 1.82
EV/EBITDA 3.27
EPS(TTM)4.28
EY13.33%
EPS(NY)3.37
Fwd EY10.5%
FCF(TTM)8.79
FCFY27.36%
OCF(TTM)9.03
OCFY28.13%
SpS56.36
BVpS17.65
TBVpS17.65
PEG (NY)0.04
PEG (5Y)0.74
Graham Number41.23
Profitability
Industry RankSector Rank
ROA 3.96%
ROE 24.72%
ROCE 5.6%
ROIC 4.06%
ROICexc 4.69%
ROICexgc 6.82%
OM 10.65%
PM (TTM) 7.74%
GM N/A
FCFM 15.6%
ROA(3y)1.4%
ROA(5y)1.25%
ROE(3y)9.21%
ROE(5y)7.32%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3Y37.31%
ROICexgc growth 5Y0.06%
ROICexc growth 3Y30%
ROICexc growth 5Y-3.1%
OM growth 3Y32.18%
OM growth 5Y-2.45%
PM growth 3Y28.68%
PM growth 5Y-4.78%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.51
Health
Industry RankSector Rank
Debt/Equity 0.22
Debt/FCF 0.44
Debt/EBITDA 0.61
Cap/Depr 112.49%
Cap/Sales 0.44%
Interest Coverage 250
Cash Conversion 145.21%
Profit Quality 201.46%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC8.16%
ROIC/WACC0.5
Cap/Depr(3y)95.91%
Cap/Depr(5y)145.86%
Cap/Sales(3y)0.45%
Cap/Sales(5y)0.72%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)119.49%
EPS 3Y44.23%
EPS 5Y10.18%
EPS Q2Q%286.3%
EPS Next Y203.57%
EPS Next 2Y38.05%
EPS Next 3Y28.86%
EPS Next 5YN/A
Revenue 1Y (TTM)4.61%
Revenue growth 3Y10.67%
Revenue growth 5Y10.11%
Sales Q2Q%4.03%
Revenue Next Year17.06%
Revenue Next 2Y6.16%
Revenue Next 3Y5.06%
Revenue Next 5YN/A
EBIT growth 1Y53.4%
EBIT growth 3Y46.28%
EBIT growth 5Y7.41%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y46.31%
FCF growth 3Y-17.58%
FCF growth 5Y11.94%
OCF growth 1Y47.42%
OCF growth 3Y-16.32%
OCF growth 5Y10.18%

UNIVERSAL INSURANCE HOLDINGS / UVE FAQ

Can you provide the ChartMill fundamental rating for UNIVERSAL INSURANCE HOLDINGS?

ChartMill assigns a fundamental rating of 5 / 10 to UVE.


What is the valuation status for UVE stock?

ChartMill assigns a valuation rating of 8 / 10 to UNIVERSAL INSURANCE HOLDINGS (UVE). This can be considered as Undervalued.


Can you provide the profitability details for UNIVERSAL INSURANCE HOLDINGS?

UNIVERSAL INSURANCE HOLDINGS (UVE) has a profitability rating of 4 / 10.


What are the PE and PB ratios of UNIVERSAL INSURANCE HOLDINGS (UVE) stock?

The Price/Earnings (PE) ratio for UNIVERSAL INSURANCE HOLDINGS (UVE) is 7.5 and the Price/Book (PB) ratio is 1.82.


Can you provide the dividend sustainability for UVE stock?

The dividend rating of UNIVERSAL INSURANCE HOLDINGS (UVE) is 6 / 10 and the dividend payout ratio is 17.83%.