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    Universal Insurance Holdings Inc (UVE)

    Official site

    FINANCIAL SERVICES • INSURANCE - PROPERTY & CASUALTY • NYSE

    $46.86
    +0.16 (+0.34%)

    Market Cap: $1.30B

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    87%(34/39)
    Avg Surprise
    -7.24%
    Streak
    13 Q

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$0.03
    Range$0.03 - $0.03
    1 analysts
    EPS Revisions
    1
    0
    7d
    1
    0
    30d
    EPS Estimate DriftChange to current
    90d ago$0.01+200.0%
    60d ago$0.01+200.0%
    30d ago$0.01+200.0%
    7d ago$0.01+200.0%
    Current$0.03
    Revenue Consensus
    $386M
    Range$386M - $386M
    1 analysts
    Period ending Dec 31, 2026
    EPS Consensus$2.35
    Range$2.35 - $2.35
    1 analysts
    Revenue Consensus
    $458M
    Range$458M - $458M
    1 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$2.35---
    Sep 26EST
    		-$0.03---
    Jun 26
    Reported Jul 23
    		$1.84$1.43+28.67%Beat+49.6%
    Mar 26
    Reported Apr 23
    		$2.00$1.39+43.88%Beat+38.9%
    Dec 25
    Reported Feb 24
    		$2.17$0.94+131.66%Beat+768.4%
    Sep 25
    Reported Oct 23
    		$1.36$-0.58+334.48%Beat+286.3%
    Jun 25
    Reported Jul 24
    		$1.23$1.09+12.84%Beat+4.2%
    Mar 25
    Reported Apr 24
    		$1.44$1.12+28.57%Beat+34.6%
    Dec 24
    Reported Feb 25
    		$0.25$0.09+177.78%Beat-41.9%
    Sep 24
    Reported Oct 24
    		$-0.73$-1.03+29.13%Beat-356.2%
    Jun 24
    Reported Jul 25
    		$1.18$1.15+2.61%Beat+35.6%
    Mar 24
    Reported Apr 25
    		$1.07$1.04+2.88%Beat+35.4%
    Dec 23
    Reported Feb 22
    		$0.43$0.25+72.00%Beat-40.3%
    Sep 23
    Reported Oct 26
    		$-0.16$-0.28+42.86%Beat+93.0%
    Jun 23
    Reported Jul 27
    		$0.87$0.78+11.54%Beat+85.1%
    Mar 23
    Reported Apr 27
    		$0.79$0.93-15.05%Miss+23.4%
    Dec 22
    Reported Feb 23
    		$0.72$-0.49+246.94%Beat+147.1%
    Sep 22
    Reported Oct 27
    		$-2.27$-2.51+9.56%Beat-460.3%
    Jun 22
    Reported Jul 27
    		$0.47$0.38+23.68%Beat-27.7%
    Mar 22
    Reported Apr 28
    		$0.64$0.55+16.36%Beat-23.8%
    Dec 21
    Reported Feb 24
    		$-1.53$-1.61+4.97%Beat-82.1%
    Sep 21
    Reported Oct 27
    		$0.63$0.60+5.00%Beat+144.1%
    Jun 21
    Reported Jul 28
    		$0.65$0.52+25.00%Beat+25.0%
    Mar 21
    Reported Apr 28
    		$0.84$0.63+33.33%Beat+37.7%
    Dec 20
    Reported Feb 25
    		$-0.84$-1.00+16.00%Beat+46.5%
    Sep 20
    Reported Oct 27
    		$-1.43$0.10-1530.00%Miss-334.4%
    Jun 20
    Reported Jul 29
    		$0.52$0.50+4.00%Beat-50.5%
    Mar 20
    Reported Apr 27
    		$0.61$0.84-27.38%Miss-39.0%
    Dec 19
    Reported Mar 2
    		$-1.57$-1.04-50.96%Miss-726.3%
    Sep 19
    Reported Oct 30
    		$0.61$0.50+22.00%Beat-43.5%
    Jun 19
    Reported Jul 31
    		$1.05$1.00+5.00%Beat-18.6%
    Mar 19
    Reported Apr 24
    		$1.00$0.98+2.04%Beat-10.7%
    Dec 18
    Reported Feb 28
    		$-0.19$0.33-157.58%Miss-121.3%
    Sep 18
    Reported Oct 29
    		$1.08$1.00+8.00%Beat+285.7%
    Jun 18
    Reported Jul 25
    		$1.29$0.97+32.99%Beat+57.3%
    Mar 18
    Reported Apr 24
    		$1.12$0.87+28.74%Beat+30.2%
    Dec 17
    Reported Feb 20
    		$0.89$0.79+12.66%Beat+134.2%
    Sep 17
    Reported Nov 8
    		$0.28$0.23+21.74%Beat-
    Jun 17
    Reported Jul 31
    		$0.82$0.73+12.33%Beat-
    Mar 17
    Reported Apr 25
    		$0.86$0.70+22.86%Beat-
    Dec 16
    Reported Feb 21
    		$0.38$0.30+26.67%Beat-

    Dividends

    Dividend Metrics

    Forward Yield1.37%
    Forward Annual Dividend$0.64
    Payout Ratio6.03%
    FrequencyQuarterly
    Pay MonthsMar, May, Aug, Dec

    Growth

    3Y CAGR-14.58%
    5Y CAGR-9.02%
    UVE dividend history and ex-dividend datesRun UVE in the free DRIP calculator

    Key Metrics

    Valuation
    P/E Ratio6.36EV/EBITDA2.94x
    Price/FCF3.81xFCF Yield26.25%
    Profitability
    Profit Margin13.50%Operating Margin19.10%
    ROE40.20%ROIC29.92%
    Financial Health
    Debt/Equity0.15xInterest Coverage29.22x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta0.70Avg Volume189.01K
    52-Week High$47.5652-Week Low$27.42

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$45.62
    SMA 20$44.19
    SMA 50$43.80
    SMA 200$37.81
    EMA 10$45.75
    EMA 20$44.89
    EMA 50$43.70
    EMA 200$38.61

    MACD

    Line: 0.92Signal: 0.55Hist: 0.37

    ADX

    ADX: 23.7+DI: 27.6-DI: 12.0

    Aroon & PSAR

    Aroon Up100.0
    Aroon Down52.0
    PSAR$44.58

    Bollinger Bands

    Upper Band$47.84
    Lower Band$40.54
    %B Position1653%(Upper)
    Band Width0.87

    RSI (14-Day)

    Neutral
    65.3

    Momentum Oscillators

    Stoch %K87.9
    Stoch %D84.7
    Williams %R-13.6
    ROC (10d)8.6%
    Momentum3.73
    CCI (20d)130.5
    MFI (14d)73.8

    Volatility Measures

    ATR (14d)$1.27(2.7%)
    StdDev (20d)1.83
    Hist Vol27.2%(Moderate)

    Volume Flow

    VWAP$47.02
    OBV8.9M
    AD Line-86.0M
    CMF (20d)0.107

    Volume Metrics

    Avg Vol (20d)195.3K
    Vol Ratio1.1x
    VWMA (20d)$44.45

    Pivot Points

    R3$48.80
    R2$47.92
    R1$47.31
    Pivot Point$46.42
    S1$45.81
    S2$44.93
    S3$44.32

    Advanced Oscillators

    TSI23.66
    Ultimate Osc64.4
    KST38.33

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$425.04M$391.97M$403.11M$399.38M$400.14M$394.87M$379.96M$387.55M$378.59M$367.96M$376.36M$360.05M
    Cost of RevenueN/A$228.10M$222.74M$315.87M$322.18M$311.13M$350.00M$375.62M$300.19M$295.01M$325.92M$341.15M
    Gross ProfitN/A$163.41M$183.24M$85.11M$77.96M$83.74M$34.81M$11.93M$80.03M$72.95M$49.54M$18.90M
    Operating Expenses$345.42M$320.28M$314.66M$346.60M$353.75M$339.41M$139.17M$405.68M$330.69M$320.48M$350.46M$367.93M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$0$0$0$0$0$0$0$0$0$0
    Operating IncomeN/A$71.69M$88.45M$52.78M$46.39M$55.46M$7.34M$-18,123,000$47.91M$47.48M$25.90M$-7,877,000
    Interest Income$0$0$0$0$0$0$0$0$0$0$0$0
    Interest Expense$2.00M$1.59M$4.82M$1.60M$0$0$4.85M$0$1.62M$0$3.27M$0
    Income Before Tax$79.61M$71.69M$88.45M$52.78M$46.39M$55.46M$7.34M$-18,123,000$47.91M$47.48M$25.90M$-7,877,000
    Income Tax Expense$20.43M$17.40M$21.86M$12.95M$11.29M$14.02M$1.33M$-1,960,000$12.49M$13.83M$5.90M$-1,962,000
    Net Income$59.19M$54.29M$66.59M$39.83M$35.09M$41.44M$6.02M$-16,163,000$35.42M$33.66M$20.00M$-5,915,000
    EBITDA$79.61M$71.69M$88.45M$52.78M$47.99M$57.07M$240.79M$-16,504,000$47.91M$49.11M$25.90M$-6,246,000
    EBIT$79.61M$71.69M$88.45M$52.78M$46.39M$55.46M$240.79M$-18,123,000$47.91M$47.48M$25.90M$-7,877,000
    * Some calculated fields are derived from available data when not provided by source

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    News

    Universal Insurance stock hits 52-week high at 47.63 USD

    Universal Insurance Holdings Inc. (UVE) recently reached a 52-week high of $47.63, reflecting a 62% total return over the past year and a 40% gain year-to-date. The company's market capitalization is $1.32 billion...

    Investing.com•10/15/26•Bullish

    Why (UVE) Price Action Is Critical for Tactical Trading

    This article analyzes Universal Insurance Holdings Inc (UVE) focusing on critical price action for tactical trading. It highlights strong sentiment, a mid-channel oscillation pattern...

    Stock Traders Daily•10/14/26•Bullish

    Why Everyone Is Watching Universal Insurance Holdings (UVE) Now

    Universal Insurance Holdings (UVE) is gaining investor attention due to strong recent price performance, a low P/E ratio...

    Simply Wall Street•10/14/26•Neutral

    Does Zacks’ Value Upgrade Recast Universal Insurance (UVE) as a Deep-Value Play or Value Trap?

    Zacks has upgraded Universal Insurance Holdings (UVE) to a #2 (Buy) rank with an "A" grade for Value, citing its low valuation ratios compared to industry peers. While this highlights UVE's potential as an inexpensive...

    Yahoo Finance•10/14/26•Neutral

    Universal Insurance Q3 2026 Earnings Date and Estimates

    Universal Insurance (NYSE: UVE) is projected to release its Q3 2026 earnings on Thursday, October 22, 2026, after market close, with a conference call scheduled for October 23, 2026...

    MarketBeat•10/9/26•Somewhat-Bullish

    UVE Valuation and Fair Value

    P/E
    6.4x
    Forward P/E
    10.0x
    EV/EBITDA
    2.9x
    P/FCF
    3.8x
    PEG
    0.0x
    P/B
    2.0x
    See GNG's fair value

    UVE Profitability: Margins, ROIC and FCF

    Operating margin
    19.1%
    Net margin
    13.5%
    ROIC
    29.9%
    ROE
    40.2%
    FCF margin
    21.0%
    FCF yield
    26.2%

    UVE Competitors

    CompanyTicker
    Hercules Capital, Inc.HCXY
    First Mid Illinois Bancshares IncFMBH
    Community Trust Bancorp IncCTBI
    ProAssurance CorporationPRA
    Westamerica BancorporationWABC
    Peoples Bancorp IncPEBO
    Tompkins Financial CorporationTMP
    ConnectOne Bancorp, Inc.CNOBP

    Sector: Financial Services

    UVE Bull Case vs Bear Case

    Bull case

    • UVE earns a 29.9% return on invested capital.
    • UVE converts 21.0% of revenue into free cash flow.
    • UVE beat EPS estimates in 100.0% of its last 8 reported quarters.

    UVE Earnings: Beat Rate and Next Report

    Beat rate
    8 of 8 quarters (100.0%)
    Average surprise
    98.4%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $0.03
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    1 up, 0 down

    UVE Dividend

    Forward yield
    1.4%
    Payout ratio
    6.0%
    3Y DPS growth
    -14.6%
    5Y DPS growth
    -9.0%
    Pay months
    Mar, May, Aug, Dec
    UVE dividend history

    Frequently Asked Questions About UVE

    What is UVE's current dividend yield?

    Universal Insurance Holdings Inc (UVE) has a forward dividend yield of 1.37%.

    Does UVE pay dividends?

    Yes, Universal Insurance Holdings Inc pays dividends with a forward dividend yield of 1.37%.

    What is UVE's P/E ratio?

    Universal Insurance Holdings Inc has a price-to-earnings (P/E) ratio of 6.36.

    What is UVE's market cap?

    Universal Insurance Holdings Inc (UVE) has a market capitalization of $1.30B with a current stock price of $46.86.

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