Logo image of UVE

UNIVERSAL INSURANCE HOLDINGS (UVE) Stock Fundamental Analysis

NYSE:UVE - New York Stock Exchange, Inc. - US91359V1070 - Common Stock - Currency: USD

26.82  -0.65 (-2.37%)

After market: 26.82 0 (0%)

Fundamental Rating

5

UVE gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 144 industry peers in the Insurance industry. The financial health of UVE is average, but there are quite some concerns on its profitability. UVE is valued quite cheap, while showing a decent growth score. This is a good combination!


Dividend Valuation Growth Profitability Health

Quickly go to:

3

1. Profitability

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.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M 200M 300M

1.2 Ratios

UVE has a Return On Assets (2.46%) which is comparable to the rest of the industry.
UVE's Return On Equity of 15.79% is fine compared to the rest of the industry. UVE outperforms 77.08% of its industry peers.
The Return On Invested Capital of UVE (2.74%) is comparable to the rest of the industry.
Industry RankSector Rank
ROA 2.46%
ROE 15.79%
ROIC 2.74%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 20 30

1.3 Margins

UVE has a worse Profit Margin (4.31%) than 63.89% of its industry peers.
UVE's Profit Margin has declined in the last couple of years.
UVE has a Operating Margin of 6.40%. This is in the lower half of the industry: UVE underperforms 68.75% of its industry peers.
UVE's Operating Margin has declined in the last couple of years.
Industry RankSector Rank
OM 6.4%
PM (TTM) 4.31%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 20 30

More info and screens

4

2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), 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.
The debt/assets ratio for UVE has been reduced compared to a year ago.
UVE Yearly Shares OutstandingUVE Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B 2.5B

2.2 Solvency

The Debt to FCF ratio of UVE is 0.44, which is an excellent value as it means it would take UVE, only 0.44 years of fcf income to pay off all of its debts.
UVE has a better Debt to FCF ratio (0.44) than 79.17% of its industry peers.
UVE has a Debt/Equity ratio of 0.24. This is a healthy value indicating a solid balance between debt and equity.
UVE has a better Debt to Equity ratio (0.24) than 67.36% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.24
Debt/FCF 0.44
Altman-Z N/A
ROIC/WACC0.3
WACC8.99%
UVE Yearly LT Debt VS Equity VS FCFUVE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

More info and screens

5

3. Growth

3.1 Past

UVE shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -3.17%.
The Earnings Per Share has been growing by 10.18% on average over the past years. This is quite good.
The Revenue has been growing slightly by 7.24% in the past year.
The Revenue has been growing by 10.11% on average over the past years. This is quite good.
EPS 1Y (TTM)-3.17%
EPS 3Y44.23%
EPS 5Y10.18%
EPS Q2Q%34.58%
Revenue 1Y (TTM)7.24%
Revenue growth 3Y10.67%
Revenue growth 5Y10.11%
Sales Q2Q%8.2%

3.2 Future

UVE is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 29.19% yearly.
The Revenue is expected to grow by 5.99% on average over the next years.
EPS Next Y46.94%
EPS Next 2Y29.19%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year11.08%
Revenue Next 2Y5.99%
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 accelerating.
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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 500M 1B 1.5B
UVE Yearly EPS VS EstimatesUVE Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0 1 -1 2 3

More info and screens

7

4. Valuation

4.1 Price/Earnings Ratio

UVE is valuated correctly with a Price/Earnings ratio of 12.53.
UVE's Price/Earnings is on the same level as the industry average.
The average S&P500 Price/Earnings ratio is at 26.69. UVE is valued rather cheaply when compared to this.
UVE is valuated reasonably with a Price/Forward Earnings ratio of 9.08.
UVE's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. UVE is cheaper than 61.11% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of UVE to the average of the S&P500 Index (21.29), we can say UVE is valued rather cheaply.
Industry RankSector Rank
PE 12.53
Fwd PE 9.08
UVE Price Earnings VS Forward Price EarningsUVE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

UVE's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. UVE is cheaper than 83.33% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, UVE is valued a bit cheaper than the industry average as 77.78% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 3.24
EV/EBITDA 4.35
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 29.19% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.27
PEG (5Y)1.23
EPS Next 2Y29.19%
EPS Next 3YN/A

More info and screens

6

5. Dividend

5.1 Amount

UVE has a Yearly Dividend Yield of 2.44%.
UVE's Dividend Yield is a higher than the industry average which is at 3.52.
Compared to an average S&P500 Dividend Yield of 2.43, UVE has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.44%

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.
UVE has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)0.21%
Div Incr Years0
Div Non Decr Years6
UVE Yearly Dividends per shareUVE Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6

5.3 Sustainability

UVE pays out 33.78% of its income as dividend. This is a sustainable payout ratio.
UVE's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP33.78%
EPS Next 2Y29.19%
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 2015 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

UNIVERSAL INSURANCE HOLDINGS

NYSE:UVE (6/25/2025, 8:16:58 PM)

After market: 26.82 0 (0%)

26.82

-0.65 (-2.37%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)04-24 2025-04-24/amc
Earnings (Next)07-23 2025-07-23/amc
Inst Owners72.19%
Inst Owner Change7.26%
Ins Owners5.3%
Ins Owner Change-1.66%
Market Cap754.71M
Analysts76.67
Price Target29.58 (10.29%)
Short Float %1.35%
Short Ratio1.43
Dividend
Industry RankSector Rank
Dividend Yield 2.44%
Yearly Dividend0.78
Dividend Growth(5Y)0.21%
DP33.78%
Div Incr Years0
Div Non Decr Years6
Ex-Date05-09 2025-05-09 (0.16)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)102.18%
Min EPS beat(2)13.15%
Max EPS beat(2)191.21%
EPS beat(4)4
Avg EPS beat(4)60.86%
Min EPS beat(4)13.15%
Max EPS beat(4)191.21%
EPS beat(8)8
Avg EPS beat(8)46.64%
EPS beat(12)12
Avg EPS beat(12)54.34%
EPS beat(16)16
Avg EPS beat(16)44.24%
Revenue beat(2)2
Avg Revenue beat(2)9.61%
Min Revenue beat(2)9.08%
Max Revenue beat(2)10.14%
Revenue beat(4)4
Avg Revenue beat(4)4.93%
Min Revenue beat(4)0.1%
Max Revenue beat(4)10.14%
Revenue beat(8)8
Avg Revenue beat(8)5.04%
Revenue beat(12)11
Avg Revenue beat(12)5.08%
Revenue beat(16)14
Avg Revenue beat(16)4.77%
PT rev (1m)0%
PT rev (3m)7.41%
EPS NQ rev (1m)0%
EPS NQ rev (3m)11.4%
EPS NY rev (1m)0%
EPS NY rev (3m)13.19%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.49%
Revenue NY rev (1m)0%
Revenue NY rev (3m)3.16%
Valuation
Industry RankSector Rank
PE 12.53
Fwd PE 9.08
P/S 0.49
P/FCF 3.24
P/OCF 3.13
P/B 1.79
P/tB 1.79
EV/EBITDA 4.35
EPS(TTM)2.14
EY7.98%
EPS(NY)2.95
Fwd EY11.02%
FCF(TTM)8.29
FCFY30.89%
OCF(TTM)8.57
OCFY31.96%
SpS54.99
BVpS15.01
TBVpS15.01
PEG (NY)0.27
PEG (5Y)1.23
Profitability
Industry RankSector Rank
ROA 2.46%
ROE 15.79%
ROCE 3.77%
ROIC 2.74%
ROICexc 3.22%
ROICexgc 4.42%
OM 6.4%
PM (TTM) 4.31%
GM N/A
FCFM 15.07%
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
ROICexcg growth 3Y37.31%
ROICexcg 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-Score5
Asset Turnover0.57
Health
Industry RankSector Rank
Debt/Equity 0.24
Debt/FCF 0.44
Debt/EBITDA 0.98
Cap/Depr 131.78%
Cap/Sales 0.52%
Interest Coverage 250
Cash Conversion 229.36%
Profit Quality 349.55%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC8.99%
ROIC/WACC0.3
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)-3.17%
EPS 3Y44.23%
EPS 5Y10.18%
EPS Q2Q%34.58%
EPS Next Y46.94%
EPS Next 2Y29.19%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)7.24%
Revenue growth 3Y10.67%
Revenue growth 5Y10.11%
Sales Q2Q%8.2%
Revenue Next Year11.08%
Revenue Next 2Y5.99%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-9.49%
EBIT growth 3Y46.28%
EBIT growth 5Y7.41%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-21.74%
FCF growth 3Y-17.58%
FCF growth 5Y11.94%
OCF growth 1Y-19.94%
OCF growth 3Y-16.32%
OCF growth 5Y10.18%