UNIVERSAL INSURANCE HOLDINGS (UVE) Fundamental Analysis & Valuation

NYSE:UVE • US91359V1070

Current stock price

34.16 USD
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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

  • In the past year UVE was profitable.
  • UVE had a positive operating cash flow in the past year.
  • UVE had positive earnings in 4 of the past 5 years.
  • Each year in the past 5 years UVE had a positive operating cash flow.
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.
  • Looking at the Return On Equity, with a value of 33.20%, UVE belongs to the top of the industry, outperforming 95.24% of the companies in the same industry.
  • UVE's Return On Invested Capital of 6.59% is amongst the best of the industry. UVE outperforms 81.63% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for UVE is significantly below the industry average of 9.36%.
  • The 3 year average ROIC (4.12%) for UVE is below the current ROIC(6.59%), indicating increased profibility in the last year.
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 Profit Margin of 11.41%. This is in the better half of the industry: UVE outperforms 67.35% 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 62.59% of its industry peers.
  • UVE's Operating Margin has improved in the last couple of years.
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
  • UVE has less shares outstanding than it did 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 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

  • UVE has a debt to FCF ratio of 0.27. This is a very positive value and a sign of high solvency as it would only need 0.27 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 0.27, UVE belongs to the top of the industry, outperforming 87.07% of the companies in the same industry.
  • A Debt/Equity ratio of 0.18 indicates that UVE is not too dependend on debt financing.
  • UVE has a better Debt to Equity ratio (0.18) than 69.39% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 0.27
Altman-Z N/A
ROIC/WACC0.77
WACC8.52%
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 250.28% 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)250.28%
EPS 3YN/A
EPS 5Y60.13%
EPS Q2Q%768%
Revenue 1Y (TTM)5.48%
Revenue growth 3Y9.47%
Revenue growth 5Y8.38%
Sales Q2Q%4.33%

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

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
  • 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 6

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7

4. UVE Valuation Analysis

4.1 Price/Earnings Ratio

  • UVE is valuated cheaply with a Price/Earnings ratio of 5.51.
  • UVE's Price/Earnings ratio is a bit cheaper when compared to the industry. UVE is cheaper than 79.59% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 25.35, UVE is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 8.46, the valuation of UVE can be described as very reasonable.
  • 63.27% of the companies in the same industry are more expensive than UVE, based on the Price/Forward Earnings ratio.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.61, UVE is valued rather cheaply.
Industry RankSector Rank
PE 5.51
Fwd PE 8.46
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

  • UVE's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. UVE is cheaper than 86.39% of the companies in the same industry.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of UVE indicates a rather cheap valuation: UVE is cheaper than 83.67% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 2.54
EV/EBITDA 2.53
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)0.09
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 1.88%.
  • UVE's Dividend Yield is comparable with the industry average which is at 2.50.
  • UVE's Dividend Yield is comparable with the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 1.88%

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 Years6
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 (3/31/2026, 8:11:12 PM)

After market: 34.16 0 (0%)

34.16

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-24
Earnings (Next)04-23
Inst Owners73.76%
Inst Owner Change-0.85%
Ins Owners6.24%
Ins Owner Change-5.08%
Market Cap956.82M
Revenue(TTM)1.60B
Net Income(TTM)182.94M
Analysts80
Price Target40.8 (19.44%)
Short Float %2.47%
Short Ratio3.19
Dividend
Industry RankSector Rank
Dividend Yield 1.88%
Yearly Dividend0.79
Dividend Growth(5Y)0.46%
DP12.12%
Div Incr Years0
Div Non Decr Years6
Ex-Date03-06
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)14.29%
EPS NQ rev (1m)5.3%
EPS NQ rev (3m)5.3%
EPS NY rev (1m)19.76%
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 5.51
Fwd PE 8.46
P/S 0.6
P/FCF 2.54
P/OCF 2.51
P/B 1.74
P/tB 1.74
EV/EBITDA 2.53
EPS(TTM)6.2
EY18.15%
EPS(NY)4.04
Fwd EY11.83%
FCF(TTM)13.46
FCFY39.41%
OCF(TTM)13.62
OCFY39.87%
SpS57.26
BVpS19.67
TBVpS19.67
PEG (NY)N/A
PEG (5Y)0.09
Graham Number52.39
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
WACC8.52%
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)250.28%
EPS 3YN/A
EPS 5Y60.13%
EPS Q2Q%768%
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%4.33%
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%.