Reading the tape
NYSE: UVE
Universal Insurance Holdings, Inc.
Financial Services · Insurance - Property & Casualty
Market Cap
$1.09B
52w High
$41.96
52w Low
$21.96
P/E
5.57
Volume
146.22K
Outstanding Shares
27.91M
Price vs Fundamentals
Why The Stock Is Moving
Fundamentals are supporting the moveHigh confidence
1Y Price: 52.04%Revenue (TTM): 3.31%FCF (TTM): 48.21%P/FCF: 38th pct
What changed
The stock rose 52.04% over the last year. Revenue grew 3.31% over the trailing twelve months. Operating margin moved from 5.98% to 16.22%. Free cash flow grew 48.21% over the trailing twelve months.
What the market seems to be pricing
The stock move broadly lines up with stronger business momentum, and the shares are still only around the 38th percentile of their historical P/FCF range.
What would invalidate this read
Operating margin is at 16.22%. Revenue grew 3.31% — this thesis depends on that trajectory holding. If revenue growth, margins, or free cash flow roll over while the stock keeps climbing, more of the move would be coming from multiple expansion than business progress.
Company profile
Universal Insurance Holdings, Inc., together with its subsidiaries, operates as an integrated insurance holding company in the United States.
CEOStephen Joseph Donaghy
SectorFinancial Services
IndustryInsurance - Property & Casualty
Employees1,068
IPO dateJun 6, 2003
Valuation
Forward P/E—
EV/EBITDA2.47
Enterprise value$632.98M
Price / Book1.98
Stock splits
Dec 8, 1994↓ Reverse
Every 4 shares became 1
Profitability & growth
Standard profitability metrics can be misleading for financial/insurance companies. GAAP requires unrealized investment gains/losses in net income (affecting ROE), and margins are blended across diverse business segments.
Revenue growth-0.85%
Gross margin31.88%▲190.92%vs FY2024
Operating margin16.22%▲173.76%vs FY2024
ROE33.2%▲110.30%vs FY2024
Analyst consensus
RatingBuy
Target price$40.00▲2.09%
2
Buy
1
Hold
1
Sell
Analyst ratings tend to be lagging indicators. Use as one signal among many.
Earnings
Full quarter-by-quarter history of actuals vs estimates. Switch into compare mode to inspect one metric year-over-year.
Next report
Jul 23, 2026
Q3 FY26 · EPS est $1.43 · Revenue est $614.62M
View
Dividends
$0.77/shareQuarterlyDividend Achiever · 13yrSafeUVE pays a dividend with a 1.97% dividend yield, 13 consecutive years of growth, covered 17.0× by free cash flow.
Dividend Yield
1.97%
Annual Div / Share
$0.77
5yr CAGR
+0%
Payout Ratio
11.36%
Safe
Dividend Growth Rate
3yr CAGR
+0%
5yr CAGR
+0%
10yr CAGR
+1.4%
Dividend Safety
10/10Safe
Dividend History
Annualized dividend cycles per share
YearAnnual DivYoY
2026$0.77+0.0%
2025$0.77+0.0%
2024$0.77+0.0%
2023$0.77+0.0%
2022$0.77+0.0%
2021$0.77+0.0%
2020$0.77+0.0%
Income Projection
Invest
$
Growth rate:
Reinvest dividends
Today
$20/yr
$2/mo
In 5 yrs
$20/yr
$2/mo
In 10 yrs
$20/yr
$2/mo
| Today | In 5 yrs | In 10 yrs |
|---|---|---|
$20/yr $2/mo | $20/yr $2/mo | $20/yr $2/mo |
Analysis
Dividend Strengths
Dividend Achiever
UVE has raised its dividend for 13 consecutive years — qualifying as a Dividend Achiever, demonstrating long-term commitment to shareholder income.
Well-covered by free cash flow
The dividend is covered 17.0× by free cash flow, indicating the company generates sufficient cash to sustain and potentially grow the payout without straining its finances.
Risks to Watch
No strong risk signal stands out from the latest period pair.