Universal Insurance Holdings, Inc. (UVE) Stock

Universal Insurance Holdings, Inc. (UVE) is a Financials stock trading at $42.27 (as of 2026-08-21), with a market capitalization of $1.18B and a trailing P/E of 5.7. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Universal Insurance Holdings, Inc. operates as an insurance holding company in the United States, developing and underwriting personal residential and allied insurance products. It distributes coverage through independent agents and its direct online platform, manages policy administration and claims payments, and operates Clovered.com, which provides side-by-side quotes and related information for consumers.

Understand Universal Insurance Holdings, Inc.: how it makes money

Universal Insurance Holdings underwrites personal residential insurance in the United States, such as homeowners, renters, condo, and dwelling/fire policies, and it earns money primarily from premiums (including net premiums earned) and related policy fees and other revenue.

In insurance, the profit engine is the underwriting mix, reflected in the Net Combined Ratio, which is driven by the Net Loss Ratio and the Net Expense Ratio, and is affected by catastrophe and reinsurance outcomes.

Revenue by segment (latest quarter)
Core Revenue$0.4B

Business quality (Solid): Good visibility into underwriting performance using the Net Combined Ratio (89.7) and its components (Net Loss Ratio and Net Expense Ratio), but the provided segment detail is limited to a single Core Revenue bucket.

Valuation: At 5× earnings, UVE trades 57% below the Insurance average (13×). Note: one-time items can distort reported P/E.

Bull case

  • Net Combined Ratio of 89.7 percent: The quarter shows a combined ratio below 100 percent, supported by a Net Loss Ratio of 63.9 percent and a Net Expense Ratio of 25.8 percent.
  • Scale tracked through Policies in Force: Policies in Force was 915,306, giving an operating view of how much business is in force alongside premium measures.

Bear case

  • Catastrophe and reinsurance dependency: The company reports detailed catastrophe and reinsurance structures, including Net Retention Loss for Hurricane Helene of 0.11 USD_B, which highlights that severe events can drive results.
  • No favorable prior-year catastrophe reserve development in the quarter: Favorable Prior Year Catastrophe Reserve Development is 0.0 USD_B, so the quarter did not benefit from that specific source of offset.
Valuation — source: SEC EDGAR (first-party)
Price$42.27
Market Cap$1.18B
P/E Ratio5.7
EV / EBITDA2.5
Price / Book1.85
Price / Sales0.73
FCF Yield77.3%
DCF Value (model)$174.48
DCF Upside vs Price312.8%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$1.60B
Net Margin11.4%
Revenue Growth (YoY)5.5%
EPS Growth (YoY)216.9%
FCF Growth (YoY)190.1%
Valuation vs Sector & Industry
Stock P/E5.7
Sector P/E (Financials)15.1
Industry P/E (Insurance)13.0
vs Sector-62.4%
vs Industry-56.4%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderBlackRock, Inc. ($88.28M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryInsurance
CEOStephen Joseph Donaghy
Employees1,068
CountryUS
IPO Date2003-06-06

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UVE earnings history · UVE institutional & insider holders · UVE KPIs & operating metrics · UVE financials · UVE investor presentations & press releases · UVE SEC filings · UVE peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-08-21.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.