UNIVERSAL INSURANCE HOLDINGS (UVE) Fundamental Analysis & Valuation

NYSE:UVE • US91359V1070

Current stock price

41.485 USD
+0.96 (+2.38%)
Last:

This UVE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

7

1. UVE Profitability Analysis

1.1 Basic Checks

  • UVE had positive earnings in the past year.
  • In the past year UVE had a positive cash flow from operations.
  • UVE had positive earnings in 4 of the past 5 years.
  • UVE had a positive operating cash flow in each of the past 5 years.
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 2025 0 100M 200M 300M

1.2 Ratios

  • UVE has a Return On Assets of 6.44%. This is amongst the best in the industry. UVE outperforms 85.03% of its industry peers.
  • UVE has a better Return On Equity (33.20%) than 94.56% of its industry peers.
  • UVE's Return On Invested Capital of 6.59% is amongst the best of the industry. UVE outperforms 80.27% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for UVE is significantly below the industry average of 9.60%.
  • The last Return On Invested Capital (6.59%) for UVE is above the 3 year average (4.12%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 6.44%
ROE 33.2%
ROIC 6.59%
ROA(3y)3.8%
ROA(5y)2.32%
ROE(3y)22.85%
ROE(5y)13.11%
ROIC(3y)4.12%
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 2025 0 10 20 30

1.3 Margins

  • UVE has a better Profit Margin (11.41%) than 64.63% of its industry peers.
  • In the last couple of years the Profit Margin of UVE has grown nicely.
  • UVE's Operating Margin of 15.56% is fine compared to the rest of the industry. UVE outperforms 63.95% of its industry peers.
  • In the last couple of years the Operating Margin of UVE has grown nicely.
Industry RankSector Rank
OM 15.56%
PM (TTM) 11.41%
GM N/A
OM growth 3YN/A
OM growth 5Y47.01%
PM growth 3YN/A
PM growth 5Y44.99%
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 2025 0 5 10 15 20

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4

2. UVE Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so UVE is destroying value.
  • Compared to 1 year ago, UVE has less shares outstanding
  • The number of shares outstanding for UVE has been reduced compared to 5 years ago.
  • Compared to 1 year ago, UVE has an improved debt to assets ratio.
UVE Yearly Shares OutstandingUVE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 500M 1B 1.5B 2B 2.5B

2.2 Solvency

  • The Debt to FCF ratio of UVE is 0.27, which is an excellent value as it means it would take UVE, only 0.27 years of fcf income to pay off all of its debts.
  • With an excellent Debt to FCF ratio value of 0.27, UVE belongs to the best of the industry, outperforming 87.76% of the companies in the same industry.
  • UVE has a Debt/Equity ratio of 0.18. This is a healthy value indicating a solid balance between debt and equity.
  • UVE's Debt to Equity ratio of 0.18 is fine compared to the rest of the industry. UVE outperforms 69.39% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 0.27
Altman-Z N/A
ROIC/WACC0.77
WACC8.55%
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 2025 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 2025 50M 100M 150M

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

4

3. UVE Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 215.89% over the past year.
  • The Earnings Per Share has been growing by 60.13% on average over the past years. This is a very strong growth
  • UVE shows a small growth in Revenue. In the last year, the Revenue has grown by 5.48%.
  • Measured over the past years, UVE shows a quite strong growth in Revenue. The Revenue has been growing by 8.38% on average per year.
EPS 1Y (TTM)215.89%
EPS 3YN/A
EPS 5Y60.13%
EPS Q2Q%38.89%
Revenue 1Y (TTM)5.48%
Revenue growth 3Y9.47%
Revenue growth 5Y8.38%
Sales Q2Q%0.83%

3.2 Future

  • The Earnings Per Share is expected to decrease by -19.28% on average over the next years. This is quite bad
  • The Revenue is expected to decrease by -0.47% on average over the next years.
EPS Next Y-34.84%
EPS Next 2Y-19.28%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-3.72%
Revenue Next 2Y-0.47%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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 6

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7

4. UVE Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 6.14, which indicates a rather cheap valuation of UVE.
  • Based on the Price/Earnings ratio, UVE is valued a bit cheaper than the industry average as 78.23% of the companies are valued more expensively.
  • UVE is valuated cheaply when we compare the Price/Earnings ratio to 27.15, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 10.27, the valuation of UVE can be described as reasonable.
  • UVE's Price/Forward Earnings is on the same level as the industry average.
  • The average S&P500 Price/Forward Earnings ratio is at 22.12. UVE is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 6.14
Fwd PE 10.27
UVE Price Earnings VS Forward Price EarningsUVE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, UVE is valued cheaply inside the industry as 84.35% of the companies are valued more expensively.
  • Based on the Price/Free Cash Flow ratio, UVE is valued cheaply inside the industry as 80.95% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 3.08
EV/EBITDA 3.23
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 decent profitability rating of UVE may justify a higher PE ratio.
  • A cheap valuation may be justified as UVE's earnings are expected to decrease with -19.28% in the coming years.
PEG (NY)N/A
PEG (5Y)0.1
EPS Next 2Y-19.28%
EPS Next 3YN/A

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5

5. UVE Dividend Analysis

5.1 Amount

  • UVE has a Yearly Dividend Yield of 1.58%.
  • UVE's Dividend Yield is comparable with the industry average which is at 2.37.
  • UVE's Dividend Yield is comparable with the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 1.58%

5.2 History

  • The dividend of UVE has a limited annual growth rate of 0.46%.
  • UVE has paid a dividend for at least 10 years, which is 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)0.46%
Div Incr Years0
Div Non Decr Years7
UVE Yearly Dividends per shareUVE Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6

5.3 Sustainability

  • 12.12% of the earnings are spent on dividend by UVE. This is a low number and sustainable payout ratio.
DP12.12%
EPS Next 2Y-19.28%
EPS Next 3YN/A
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 2025 0 100M 200M 300M
UVE Dividend Payout.UVE Dividend Payout, showing the Payout Ratio.UVE Dividend Payout.PayoutRetained Earnings

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UVE Fundamentals: All Metrics, Ratios and Statistics

UNIVERSAL INSURANCE HOLDINGS

NYSE:UVE (4/28/2026, 1:27:38 PM)

41.485

+0.96 (+2.38%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)04-23
Earnings (Next)07-22
Inst Owners73.89%
Inst Owner Change-0.15%
Ins Owners6.2%
Ins Owner Change-4.86%
Market Cap1.16B
Revenue(TTM)1.60B
Net Income(TTM)182.94M
Analysts80
Price Target32.02 (-22.82%)
Short Float %1.76%
Short Ratio2.1
Dividend
Industry RankSector Rank
Dividend Yield 1.58%
Yearly Dividend0.79
Dividend Growth(5Y)0.46%
DP12.12%
Div Incr Years0
Div Non Decr Years7
Ex-Date05-08
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)43.84%
Min EPS beat(2)22.41%
Max EPS beat(2)65.27%
EPS beat(4)4
Avg EPS beat(4)27.39%
Min EPS beat(4)8.73%
Max EPS beat(4)65.27%
EPS beat(8)8
Avg EPS beat(8)42.65%
EPS beat(12)12
Avg EPS beat(12)39.6%
EPS beat(16)16
Avg EPS beat(16)47.42%
Revenue beat(2)0
Avg Revenue beat(2)-3.16%
Min Revenue beat(2)-3.53%
Max Revenue beat(2)-2.8%
Revenue beat(4)2
Avg Revenue beat(4)3.47%
Min Revenue beat(4)-3.53%
Max Revenue beat(4)10.14%
Revenue beat(8)6
Avg Revenue beat(8)3.87%
Revenue beat(12)9
Avg Revenue beat(12)3.2%
Revenue beat(16)13
Avg Revenue beat(16)4.43%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)5.3%
EPS NY rev (1m)0%
EPS NY rev (3m)19.76%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.04%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.52%
Valuation
Industry RankSector Rank
PE 6.14
Fwd PE 10.27
P/S 0.72
P/FCF 3.08
P/OCF 3.05
P/B 2.11
P/tB 2.11
EV/EBITDA 3.23
EPS(TTM)6.76
EY16.3%
EPS(NY)4.04
Fwd EY9.74%
FCF(TTM)13.46
FCFY32.45%
OCF(TTM)13.62
OCFY32.83%
SpS57.26
BVpS19.67
TBVpS19.67
PEG (NY)N/A
PEG (5Y)0.1
Graham Number54.7013 (31.86%)
Profitability
Industry RankSector Rank
ROA 6.44%
ROE 33.2%
ROCE 9.09%
ROIC 6.59%
ROICexc 7.74%
ROICexgc 10.12%
OM 15.56%
PM (TTM) 11.41%
GM N/A
FCFM 23.51%
ROA(3y)3.8%
ROA(5y)2.32%
ROE(3y)22.85%
ROE(5y)13.11%
ROIC(3y)4.12%
ROIC(5y)N/A
ROICexc(3y)4.85%
ROICexc(5y)N/A
ROICexgc(3y)6.7%
ROICexgc(5y)N/A
ROCE(3y)5.7%
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5Y46.89%
ROICexc growth 3YN/A
ROICexc growth 5Y47.4%
OM growth 3YN/A
OM growth 5Y47.01%
PM growth 3YN/A
PM growth 5Y44.99%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.56
Health
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 0.27
Debt/EBITDA 0.39
Cap/Depr 68.87%
Cap/Sales 0.28%
Interest Coverage 43.66
Cash Conversion 149.06%
Profit Quality 206.11%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC8.55%
ROIC/WACC0.77
Cap/Depr(3y)96.49%
Cap/Depr(5y)92.19%
Cap/Sales(3y)0.41%
Cap/Sales(5y)0.45%
Profit Quality(3y)174.08%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)215.89%
EPS 3YN/A
EPS 5Y60.13%
EPS Q2Q%38.89%
EPS Next Y-34.84%
EPS Next 2Y-19.28%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)5.48%
Revenue growth 3Y9.47%
Revenue growth 5Y8.38%
Sales Q2Q%0.83%
Revenue Next Year-3.72%
Revenue Next 2Y-0.47%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y173.52%
EBIT growth 3YN/A
EBIT growth 5Y59.33%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y196.37%
FCF growth 3Y5.67%
FCF growth 5Y98.94%
OCF growth 1Y177.74%
OCF growth 3Y5.54%
OCF growth 5Y67.08%

UNIVERSAL INSURANCE HOLDINGS / UVE Fundamental Analysis FAQ

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

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


Can you provide the valuation status for UNIVERSAL INSURANCE HOLDINGS?

ChartMill assigns a valuation rating of 7 / 10 to UNIVERSAL INSURANCE HOLDINGS (UVE). This can be considered as Undervalued.


What is the profitability of UVE stock?

UNIVERSAL INSURANCE HOLDINGS (UVE) has a profitability rating of 7 / 10.


Can you provide the financial health for UVE stock?

The financial health rating of UNIVERSAL INSURANCE HOLDINGS (UVE) is 4 / 10.


Can you provide the dividend sustainability for UVE stock?

The dividend rating of UNIVERSAL INSURANCE HOLDINGS (UVE) is 5 / 10 and the dividend payout ratio is 12.12%.