UNIVERSAL INSURANCE HOLDINGS (UVE) Fundamental Analysis & Valuation

NYSE:UVE • US91359V1070

Current stock price

34.42 USD
+0.28 (+0.82%)
At close:
33.9 USD
-0.52 (-1.51%)
After Hours:

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 better Return On Assets (6.44%) than 85.14% of its industry peers.
  • With an excellent Return On Equity value of 33.20%, UVE belongs to the best of the industry, outperforming 94.59% of the companies in the same industry.
  • UVE has a Return On Invested Capital of 6.59%. This is amongst the best in the industry. UVE outperforms 80.41% of its industry peers.
  • UVE had an Average Return On Invested Capital over the past 3 years of 4.12%. This is significantly below the industry average of 9.50%.
  • 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's Profit Margin of 11.41% is fine compared to the rest of the industry. UVE outperforms 64.86% of its industry peers.
  • UVE's Profit Margin has improved in the last couple of years.
  • UVE has a better Operating Margin (15.56%) than 64.19% 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

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), UVE is destroying value.
  • UVE has less shares outstanding than it did 1 year ago.
  • 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

  • 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 87.84% 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 69.59% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 0.27
Altman-Z N/A
ROIC/WACC0.78
WACC8.45%
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

  • UVE shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 250.28%, which is quite impressive.
  • 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

  • UVE is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -19.28% yearly.
  • 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

  • A Price/Earnings ratio of 5.55 indicates a rather cheap valuation of UVE.
  • Based on the Price/Earnings ratio, UVE is valued cheaper than 80.41% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.38, UVE is valued rather cheaply.
  • UVE is valuated reasonably with a Price/Forward Earnings ratio of 8.52.
  • UVE's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. UVE is cheaper than 66.89% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 38.20. UVE is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 5.55
Fwd PE 8.52
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

  • UVE's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. UVE is cheaper than 87.84% of the companies in the same industry.
  • Based on the Price/Free Cash Flow ratio, UVE is valued cheaply inside the industry as 85.14% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 2.56
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

  • UVE has a very decent profitability rating, which may justify a higher PE ratio.
  • UVE's earnings are expected to decrease with -19.28% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.09
EPS Next 2Y-19.28%
EPS Next 3YN/A

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

5

5. UVE Dividend Analysis

5.1 Amount

  • UVE has a Yearly Dividend Yield of 1.82%.
  • Compared to an average industry Dividend Yield of 2.44, 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 1.82%

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

  • UVE pays out 12.12% of its income as dividend. This is a 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 (4/15/2026, 8:24:41 PM)

After market: 33.9 -0.52 (-1.51%)

34.42

+0.28 (+0.82%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-24
Earnings (Next)04-23
Inst Owners73.89%
Inst Owner Change0%
Ins Owners6.2%
Ins Owner Change-4.86%
Market Cap964.10M
Revenue(TTM)1.60B
Net Income(TTM)182.94M
Analysts80
Price Target40.8 (18.54%)
Short Float %2.27%
Short Ratio3.04
Dividend
Industry RankSector Rank
Dividend Yield 1.82%
Yearly Dividend0.79
Dividend Growth(5Y)0.46%
DP12.12%
Div Incr Years0
Div Non Decr Years7
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)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 5.55
Fwd PE 8.52
P/S 0.6
P/FCF 2.56
P/OCF 2.53
P/B 1.75
P/tB 1.75
EV/EBITDA 2.53
EPS(TTM)6.2
EY18.01%
EPS(NY)4.04
Fwd EY11.74%
FCF(TTM)13.46
FCFY39.11%
OCF(TTM)13.62
OCFY39.57%
SpS57.26
BVpS19.67
TBVpS19.67
PEG (NY)N/A
PEG (5Y)0.09
Graham Number52.3866 (52.2%)
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
WACC8.45%
ROIC/WACC0.78
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%.