Universal Insurance Holdings, Inc. (UVE)
NYSE: UVE · Real-Time Price · USD
48.16
+1.69 (3.64%)
At close: Nov 10, 2026, 4:00 PM EST
48.16
0.00 (0.00%)
Pre-market: Nov 11, 2026, 4:33 AM EST

UVE Statistics

Total Valuation

UVE has a market cap or net worth of $1.33 billion. The enterprise value is $860.52 million.

Market Cap1.33B
Enterprise Value 860.52M

Important Dates

The last earnings date was Thursday, October 22, 2026, after market close.

Earnings Date Oct 22, 2026
Ex-Dividend Date Dec 4, 2026

Share Statistics

UVE has 27.67 million shares outstanding. The number of shares has increased by 0.14% in one year.

Current Share Class 27.67M
Shares Outstanding 27.67M
Shares Change (YoY) +0.14%
Shares Change (QoQ) +0.49%
Owned by Insiders (%) 8.83%
Owned by Institutions (%) 79.99%
Float 25.23M

Valuation Ratios

The trailing PE ratio is 6.01 and the forward PE ratio is 8.27.

PE Ratio 6.01
Forward PE 8.27
PS Ratio 0.80
Forward PS 0.85
PB Ratio 2.06
P/TBV Ratio 2.06
P/FCF Ratio 3.70
P/OCF Ratio 3.65
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

The stock's EV/EBITDA ratio is 2.66, with an EV/FCF ratio of 2.39.

EV / Earnings 3.70
EV / Sales 0.52
EV / EBITDA 2.66
EV / EBIT 2.71
EV / FCF 2.39

Financial Position

The company has a current ratio of 0.63, with a Debt / Equity ratio of 0.15.

Current Ratio 0.63
Quick Ratio 0.33
Debt / Equity 0.15
Debt / EBITDA 0.30
Debt / FCF 0.27
Interest Coverage 43.63

Financial Efficiency

Return on equity (ROE) is 40.76% and return on invested capital (ROIC) is 32.20%.

Return on Equity (ROE) 40.76%
Return on Assets (ROA) 6.32%
Return on Invested Capital (ROIC) 32.20%
Return on Capital Employed (ROCE) 28.83%
Weighted Average Cost of Capital (WACC) 7.63%
Revenue Per Employee $1.80M
Profits Per Employee $250,341
Employee Count929
Asset Turnover 0.53
Inventory Turnover n/a

Taxes

In the past 12 months, UVE has paid $77.33 million in taxes.

Income Tax 77.33M
Effective Tax Rate 24.95%

Stock Price Statistics

The stock price has increased by +43.29% in the last 52 weeks. The beta is 0.64, so UVE's price volatility has been lower than the market average.

Beta (5Y) 0.64
52-Week Price Change +43.29%
50-Day Moving Average 45.46
200-Day Moving Average 39.54
Relative Strength Index (RSI) 56.73
Average Volume (20 Days) 242,798

Short Selling Information

The latest short interest is 887,853, so 3.21% of the outstanding shares have been sold short.

Short Interest 887,853
Short Previous Month 651,620
Short % of Shares Out 3.21%
Short % of Float 3.52%
Short Ratio (days to cover) 4.75

Income Statement

In the last 12 months, UVE had revenue of $1.67 billion and earned $232.57 million in profits. Earnings per share was $8.02.

Revenue1.67B
Gross Profit 443.73M
Operating Income 317.18M
Pretax Income 309.91M
Net Income 232.57M
EBITDA 323.57M
EBIT 317.18M
Earnings Per Share (EPS) $8.02
Full Income Statement

Balance Sheet

The company has $569.46 million in cash and $97.39 million in debt, with a net cash position of $472.08 million or $17.06 per share.

Cash & Cash Equivalents 569.46M
Total Debt 97.39M
Net Cash 472.08M
Net Cash Per Share $17.06
Equity (Book Value) 646.04M
Book Value Per Share 23.37
Working Capital -766.03M
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $365.01 million and capital expenditures -$4.64 million, giving a free cash flow of $360.37 million.

Operating Cash Flow 365.01M
Capital Expenditures -4.64M
Depreciation & Amortization n/a
Net Borrowing -1.47M
Free Cash Flow 360.37M
FCF Per Share $13.02
Full Cash Flow Statement

Margins

Gross margin is 26.61%, with operating and profit margins of 19.02% and 13.94%.

Gross Margin 26.61%
Operating Margin 19.02%
Pretax Margin 18.58%
Profit Margin 13.94%
EBITDA Margin 19.40%
EBIT Margin 19.02%
FCF Margin 21.61%

Dividends & Yields

This stock pays an annual dividend of $0.77, which amounts to a dividend yield of 1.60%.

Dividend Per Share $0.77
Dividend Yield 1.60%
Dividend Growth (YoY) n/a
Years of Dividend Growth n/a
Payout Ratio 9.61%
FCF Payout Ratio 5.91%
Buyback Yield -0.14%
Shareholder Yield 1.46%
Earnings Yield 16.65%
FCF Yield 27.04%
Dividend Details

Analyst Forecast

Price Target n/a
Price Target Difference n/a
Analyst Consensus n/a
Analyst Count n/a
Revenue Growth Forecast (3Y) 0.40%
EPS Growth Forecast (3Y) -3.05%

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
Graham Formula Value
Graham Formula 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 6