UNIVERSAL INSURANCE HOLDINGS (UVE) Fundamental Analysis & Valuation

NYSE:UVE • US91359V1070

Current stock price

34.19 USD
-0.68 (-1.95%)
At close:
34.48 USD
+0.29 (+0.85%)
Pre-Market:

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.
  • UVE had a positive operating cash flow in the past year.
  • Of the past 5 years UVE 4 years were profitable.
  • 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 85.81% of its industry peers.
  • UVE has a better Return On Equity (33.20%) than 95.27% of its industry peers.
  • UVE has a better Return On Invested Capital (6.59%) than 81.76% 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 9.34%.
  • 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 67.57% of its industry peers.
  • UVE's Profit Margin has improved in the last couple of years.
  • The Operating Margin of UVE (15.56%) is better than 62.84% 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

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), UVE is destroying value.
  • The number of shares outstanding for UVE has been reduced compared to 1 year ago.
  • Compared to 5 years ago, UVE has less shares outstanding
  • The debt/assets ratio for UVE has been reduced compared to a year ago.
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.
  • The Debt to FCF ratio of UVE (0.27) is better than 87.16% of its industry peers.
  • UVE has a Debt/Equity ratio of 0.18. This is a healthy value indicating a solid balance between debt and equity.
  • Looking at the Debt to Equity ratio, with a value of 0.18, UVE is in the better half of the industry, outperforming 69.59% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 0.27
Altman-Z N/A
ROIC/WACC0.77
WACC8.51%
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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4

3. UVE Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 250.28% over the past year.
  • UVE shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 60.13% yearly.
  • The Revenue has been growing slightly by 5.48% in the past year.
  • 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

  • Based on estimates for the next years, UVE will show a very negative growth in Earnings Per Share. The EPS will decrease by -19.28% on average per year.
  • 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.
  • Based on the Price/Earnings ratio, UVE is valued a bit cheaper than 79.73% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 25.61, UVE is valued rather cheaply.
  • The Price/Forward Earnings ratio is 8.46, which indicates a very decent valuation of UVE.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of UVE indicates a somewhat cheap valuation: UVE is cheaper than 64.19% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.79, 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

  • 85.81% of the companies in the same industry are more expensive than UVE, based on the Enterprise Value to EBITDA ratio.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of UVE indicates a rather cheap valuation: UVE is cheaper than 83.78% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 2.54
EV/EBITDA 2.54
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.
  • 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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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. UVE Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 1.88%, UVE has a reasonable but not impressive dividend return.
  • UVE's Dividend Yield is comparable with the industry average which is at 2.84.
  • 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 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)0.46%
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 (3/25/2026, 8:04:00 PM)

Premarket: 34.48 +0.29 (+0.85%)

34.19

-0.68 (-1.95%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-24
Earnings (Next)04-22
Inst Owners73.76%
Inst Owner Change-0.85%
Ins Owners6.24%
Ins Owner Change-4.31%
Market Cap957.66M
Revenue(TTM)1.60B
Net Income(TTM)182.94M
Analysts80
Price Target40.8 (19.33%)
Short Float %2.49%
Short Ratio3.12
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)0.04%
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 2.54
EPS(TTM)6.2
EY18.13%
EPS(NY)4.04
Fwd EY11.82%
FCF(TTM)13.46
FCFY39.37%
OCF(TTM)13.62
OCFY39.84%
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
WACC8.51%
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.


What is the valuation status for UVE stock?

ChartMill assigns a valuation rating of 7 / 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 7 / 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 5.51 and the Price/Book (PB) ratio is 1.74.


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%.