NYSE · UVE

Universal Insurance Holdings, Inc.

Financial Services · Insurance - Property & Casualty

$46.70▼ 0.81% ($0.38)at close

As of 4:00 PM ET

52-week

$27.89$47.56

Market cap

$1.30B

Valuation

P/E Valuation

Estimated value / share · Base

$79.96

+71%

+71%vs price used $46.70

USD · Trailing earnings · Price Oct 14, 8:00 PM UTC

Price vs. estimate range

Assumption scenarios, not confidence intervals

P/E multiple: 10.5×
Earnings basis: Trailing EPS

USD · Trailing earnings · Price Oct 14, 8:00 PM UTC

P/E scenarios apply a multiple to trailing EPS. They are not editable; choose Bear, Base or Bull above.

Current P/E

6.1×

Market multiple

Fair-value P/E

10.5×

5-Year Avg P/E

Fair value / share

$79.96

P/E based estimate

Price vs Fundamentals

Why The Stock Is Moving

Fundamentals are supporting the moveHigh confidence

1Y Price: 56.24%Revenue (TTM): 3.58%FCF (TTM): 26.03%P/FCF: 47th pct

What changed

The stock rose 56.24% over the last year. Revenue grew 3.58% over the trailing twelve months. Operating margin moved from 5.81% to 18.02%. Free cash flow grew 26.03% 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 47th percentile of their historical P/FCF range.

What would invalidate this read

Operating margin is at 18.02%. Revenue grew 3.58% — 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.

Return analysis

Company profile

Universal Insurance Holdings, Inc., together with its subsidiaries, operates as an integrated insurance holding company in the United States.

CEOStephen J. Donaghy

SectorFinancial Services

IndustryInsurance - Property & Casualty

Employees929

IPO dateJun 6, 2003

https://www.universalinsuranceholdings.com

Market multiples

Forward P/E—

EV/EBITDA (FY2025 year-end)2.47

Enterprise value (FY2025 year-end)$632.98M

Price / Book (Jun 2026 quarter-end)2.04

Stock splits

Dec 8, 1994↓ Reverse

Every 4 shares became 1

-75%

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 (Q2 FY26 YoY)6.2%

Gross margin (FY2025)38.21%▲25.1ppvs FY2024

Operating margin (FY2025)15.23%▲9.7ppvs FY2024

ROE (TTM to Jun 2026)40.16%▲0.6ppvs FY2025

Analyst consensus

RatingHold

Target price$45.00▼3.64%

Buy

Hold

Sell

Analyst ratings tend to be lagging indicators. Use as one signal among many.

Earnings

Actuals vs estimates by quarter, or any quarter against the same one a year earlier.

Next report

Oct 22, 2026

Q3 FY26 · EPS est $1.57 · Revenue est $601.7M

Same quarter, year over year

FY26 YTD +43.8%

Each cell vs the same quarter a year earlier (the cell below) · Q1–Q2 combined $3.84 vs $2.67 · all 2 quarters up

FY total

FY26

—

FY25

$6.20+250.3%

FY24

$1.77—

FY23

—

Fiscal year totals

FY25: $6.20; +250.3%
FY24: $1.77; —

SlowerFaster growth(darkest from 61%)

BeatMissIn lineYear-ago cell

n/m: last year’s figure was zero, a loss or too small to compare against

Q2 FY26

Reported Jul 23, 2026 · Latest

HoverTap a cell to inspect

Actual

$1.84

Beat by 28.7%

Estimate

$1.43

Street consensus

Year over year

+49.6%

vs Q2 FY25 · $1.23

Vs prior quarter

-8.0%

vs Q1 FY26 · $2.00

Price range $32.44-$41.83 · daily closes Apr 1-Jun 30

Implied at 6.3x street P/E $46.70 · street TTM EPS × current multiple

Institutional Sentiment

Universal Insurance Holdings, Inc. · UVE

From Form 13F filings (managers with $100M+). Filings land up to 45 days after quarter end — read this as positioning context, not live fund flow.

NYSE · UVE

Universal Insurance Holdings, Inc.

Financial Services · Insurance - Property & Casualty

$46.70▼ 0.81% ($0.38)at close

As of 4:00 PM ET

52-week

$27.89$47.56

Market cap

$1.30B

Valuation

P/E Valuation

Estimated value / share · Base

$79.96

+71%

+71%vs price used $46.70

USD · Trailing earnings · Price Oct 14, 8:00 PM UTC

Price vs. estimate range

Assumption scenarios, not confidence intervals

P/E multiple: 10.5×
Earnings basis: Trailing EPS

USD · Trailing earnings · Price Oct 14, 8:00 PM UTC

P/E scenarios apply a multiple to trailing EPS. They are not editable; choose Bear, Base or Bull above.

Current P/E

6.1×

Market multiple

Fair-value P/E

10.5×

5-Year Avg P/E

Fair value / share

$79.96

P/E based estimate

Price vs Fundamentals

Why The Stock Is Moving

Fundamentals are supporting the moveHigh confidence

1Y Price: 56.24%Revenue (TTM): 3.58%FCF (TTM): 26.03%P/FCF: 47th pct

What changed

The stock rose 56.24% over the last year. Revenue grew 3.58% over the trailing twelve months. Operating margin moved from 5.81% to 18.02%. Free cash flow grew 26.03% 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 47th percentile of their historical P/FCF range.

What would invalidate this read

Return analysis

Company profile

Universal Insurance Holdings, Inc., together with its subsidiaries, operates as an integrated insurance holding company in the United States.

CEOStephen J. Donaghy

SectorFinancial Services

IndustryInsurance - Property & Casualty

Employees929

IPO dateJun 6, 2003

https://www.universalinsuranceholdings.com

Market multiples

Forward P/E—

EV/EBITDA (FY2025 year-end)2.47

Enterprise value (FY2025 year-end)$632.98M

Price / Book (Jun 2026 quarter-end)2.04

Stock splits

Dec 8, 1994↓ Reverse

Every 4 shares became 1

-75%

Profitability & growth

Revenue growth (Q2 FY26 YoY)6.2%

Gross margin (FY2025)38.21%▲25.1ppvs FY2024

Operating margin (FY2025)15.23%▲9.7ppvs FY2024

ROE (TTM to Jun 2026)40.16%▲0.6ppvs FY2025

Analyst consensus

RatingHold

Target price$45.00▼3.64%

Buy

Hold

Sell

Analyst ratings tend to be lagging indicators. Use as one signal among many.

Earnings

Actuals vs estimates by quarter, or any quarter against the same one a year earlier.

Next report

Oct 22, 2026

Q3 FY26 · EPS est $1.57 · Revenue est $601.7M

Same quarter, year over year

FY26 YTD +43.8%

Each cell vs the same quarter a year earlier (the cell below) · Q1–Q2 combined $3.84 vs $2.67 · all 2 quarters up

FY total

FY26

—

FY25

$6.20+250.3%

FY24

$1.77—

FY23

—

Fiscal year totals

FY25: $6.20; +250.3%
FY24: $1.77; —

SlowerFaster growth(darkest from 61%)

BeatMissIn lineYear-ago cell

n/m: last year’s figure was zero, a loss or too small to compare against

Q2 FY26

Reported Jul 23, 2026 · Latest

HoverTap a cell to inspect

Actual

$1.84

Beat by 28.7%

Estimate

$1.43

Street consensus

Year over year

+49.6%

vs Q2 FY25 · $1.23

Vs prior quarter

-8.0%

vs Q1 FY26 · $2.00

Price range $32.44-$41.83 · daily closes Apr 1-Jun 30

Implied at 6.3x street P/E $46.70 · street TTM EPS × current multiple

Institutional Sentiment

Universal Insurance Holdings, Inc. · UVE

From Form 13F filings (managers with $100M+). Filings land up to 45 days after quarter end — read this as positioning context, not live fund flow.