Universal Insurance Holdings, Inc. (UVE)
NYSE: UVE · Real-Time Price · USD
23.00
-0.32 (-1.37%)
Aug 1, 2025, 4:00 PM - Market closed

Accolade Statistics

Total Valuation

UVE has a market cap or net worth of $651.33 million. The enterprise value is $385.08 million.

Market Cap651.33M
Enterprise Value 385.08M

Important Dates

The last earnings date was Thursday, July 24, 2025, after market close.

Earnings Date Jul 24, 2025
Ex-Dividend Date Aug 1, 2025

Share Statistics

UVE has 28.32 million shares outstanding. The number of shares has decreased by -1.48% in one year.

Current Share Class 28.32M
Shares Outstanding 28.32M
Shares Change (YoY) -1.48%
Shares Change (QoQ) +1.02%
Owned by Insiders (%) 9.71%
Owned by Institutions (%) 74.00%
Float 25.18M

Valuation Ratios

The trailing PE ratio is 10.08 and the forward PE ratio is 9.13.

PE Ratio 10.08
Forward PE 9.13
PS Ratio 0.41
Forward PS 0.44
PB Ratio 1.40
P/TBV Ratio 1.43
P/FCF Ratio n/a
P/OCF Ratio n/a
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

EV / Earnings 5.80
EV / Sales 0.25
EV / EBITDA 3.71
EV / EBIT 3.95
EV / FCF n/a

Financial Position

The company has a current ratio of 0.58, with a Debt / Equity ratio of 0.22.

Current Ratio 0.58
Quick Ratio 0.17
Debt / Equity 0.22
Debt / EBITDA 0.97
Debt / FCF n/a
Interest Coverage 15.12

Financial Efficiency

Return on equity (ROE) is 15.60% and return on invested capital (ROIC) is 11.57%.

Return on Equity (ROE) 15.60%
Return on Assets (ROA) 2.05%
Return on Invested Capital (ROIC) 11.57%
Return on Capital Employed (ROCE) 16.26%
Revenue Per Employee $1.47M
Profits Per Employee $62,151
Employee Count1,068
Asset Turnover 0.53
Inventory Turnover n/a

Taxes

In the past 12 months, UVE has paid $24.68 million in taxes.

Income Tax 24.68M
Effective Tax Rate 27.10%

Stock Price Statistics

The stock price has increased by +16.10% in the last 52 weeks. The beta is 0.87, so UVE's price volatility has been lower than the market average.

Beta (5Y) 0.87
52-Week Price Change +16.10%
50-Day Moving Average 25.91
200-Day Moving Average 22.71
Relative Strength Index (RSI) 34.84
Average Volume (20 Days) 319,608

Short Selling Information

The latest short interest is 805,643, so 2.84% of the outstanding shares have been sold short.

Short Interest 805,643
Short Previous Month 328,814
Short % of Shares Out 2.84%
Short % of Float 3.20%
Short Ratio (days to cover) 2.73

Income Statement

In the last 12 months, UVE had revenue of $1.57 billion and earned $66.38 million in profits. Earnings per share was $2.28.

Revenue1.57B
Gross Profit 441.89M
Operating Income 97.52M
Pretax Income 113.41M
Net Income 66.38M
EBITDA 103.69M
EBIT 97.52M
Earnings Per Share (EPS) $2.28
Full Income Statement

Balance Sheet

The company has $367.11 million in cash and $100.86 million in debt, giving a net cash position of $266.25 million or $9.40 per share.

Cash & Cash Equivalents 367.11M
Total Debt 100.86M
Net Cash 266.25M
Net Cash Per Share $9.40
Equity (Book Value) 457.81M
Book Value Per Share 16.39
Working Capital -1.14B
Full Balance Sheet

Cash Flow

Operating Cash Flow n/a
Capital Expenditures n/a
Free Cash Flow n/a
FCF Per Share n/a
Full Cash Flow Statement

Margins

Gross margin is 28.19%, with operating and profit margins of 6.22% and 4.24%.

Gross Margin 28.19%
Operating Margin 6.22%
Pretax Margin 5.81%
Profit Margin 4.24%
EBITDA Margin 6.62%
EBIT Margin 6.22%
FCF Margin n/a

Dividends & Yields

This stock pays an annual dividend of $0.77, which amounts to a dividend yield of 3.26%.

Dividend Per Share $0.77
Dividend Yield 3.26%
Dividend Growth (YoY) n/a
Years of Dividend Growth n/a
Payout Ratio 33.76%
Buyback Yield 1.48%
Shareholder Yield 4.83%
Earnings Yield 10.19%
FCF Yield n/a
Dividend Details

Analyst Forecast

Price Target n/a
Price Target Difference n/a
Analyst Consensus n/a
Analyst Count n/a
Revenue Growth Forecast (5Y) n/a
EPS Growth Forecast (5Y) n/a
Stock Forecasts

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on December 6, 1994. It was a reverse split with a ratio of 1:4.

Last Split Date Dec 6, 1994
Split Type Reverse
Split Ratio 1:4

Scores

Altman Z-Score n/a
Piotroski F-Score 3