Universal Insurance Holdings, Inc. (UVE)
NYSE: UVE · Real-Time Price · USD
43.71
-0.12 (-0.27%)
Jul 31, 2026, 4:00 PM EDT - Market closed

UVE Statistics

Total Valuation

UVE has a market cap or net worth of $1.22 billion. The enterprise value is $782.16 million.

Market Cap1.22B
Enterprise Value 782.16M

Important Dates

The last earnings date was Thursday, July 23, 2026, after market close.

Earnings Date Jul 23, 2026
Ex-Dividend Date Jul 31, 2026

Share Statistics

UVE has 27.83 million shares outstanding. The number of shares has decreased by -0.46% in one year.

Current Share Class 27.83M
Shares Outstanding 27.83M
Shares Change (YoY) -0.46%
Shares Change (QoQ) +0.74%
Owned by Insiders (%) 9.15%
Owned by Institutions (%) 77.14%
Float 25.28M

Valuation Ratios

The trailing PE ratio is 5.74 and the forward PE ratio is 9.46.

PE Ratio 5.74
Forward PE 9.46
PS Ratio 0.75
Forward PS 0.78
PB Ratio 1.91
P/TBV Ratio 1.91
P/FCF Ratio 3.53
P/OCF Ratio 3.48
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

The stock's EV/EBITDA ratio is 2.61, with an EV/FCF ratio of 2.27.

EV / Earnings 3.56
EV / Sales 0.48
EV / EBITDA 2.61
EV / EBIT 2.61
EV / FCF 2.27

Financial Position

The company has a current ratio of 0.55, with a Debt / Equity ratio of 0.15.

Current Ratio 0.55
Quick Ratio 0.24
Debt / Equity 0.15
Debt / EBITDA 0.33
Debt / FCF 0.28
Interest Coverage 44.07

Financial Efficiency

Return on equity (ROE) is 40.17% and return on invested capital (ROIC) is 31.69%.

Return on Equity (ROE) 40.17%
Return on Assets (ROA) 5.68%
Return on Invested Capital (ROIC) 31.69%
Return on Capital Employed (ROCE) 43.69%
Weighted Average Cost of Capital (WACC) 8.04%
Revenue Per Employee $1.75M
Profits Per Employee $236,693
Employee Count929
Asset Turnover 0.50
Inventory Turnover n/a

Taxes

In the past 12 months, UVE has paid $72.64 million in taxes.

Income Tax 72.64M
Effective Tax Rate 24.83%

Stock Price Statistics

The stock price has increased by +86.80% in the last 52 weeks. The beta is 0.73, so UVE's price volatility has been lower than the market average.

Beta (5Y) 0.73
52-Week Price Change +86.80%
50-Day Moving Average 39.64
200-Day Moving Average 34.96
Relative Strength Index (RSI) 60.64
Average Volume (20 Days) 237,519

Short Selling Information

The latest short interest is 1.35 million, so 4.87% of the outstanding shares have been sold short.

Short Interest 1.35M
Short Previous Month 640,640
Short % of Shares Out 4.87%
Short % of Float 5.36%
Short Ratio (days to cover) 5.62

Income Statement

In the last 12 months, UVE had revenue of $1.63 billion and earned $219.89 million in profits. Earnings per share was $7.61.

Revenue1.63B
Gross Profit 421.50M
Operating Income 299.33M
Pretax Income 292.53M
Net Income 219.89M
EBITDA 299.33M
EBIT 299.33M
Earnings Per Share (EPS) $7.61
Full Income Statement

Balance Sheet

The company has $532.16 million in cash and $97.85 million in debt, with a net cash position of $434.31 million or $15.61 per share.

Cash & Cash Equivalents 532.16M
Total Debt 97.85M
Net Cash 434.31M
Net Cash Per Share $15.61
Equity (Book Value) 637.16M
Book Value Per Share 22.89
Working Capital -1.18B
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $349.55 million and capital expenditures -$4.72 million, giving a free cash flow of $344.76 million.

Operating Cash Flow 349.55M
Capital Expenditures -4.72M
Depreciation & Amortization n/a
Net Borrowing -1.47M
Free Cash Flow 344.76M
FCF Per Share $12.39
Full Cash Flow Statement

Margins

Gross margin is 25.87%, with operating and profit margins of 18.37% and 13.49%.

Gross Margin 25.87%
Operating Margin 18.37%
Pretax Margin 17.95%
Profit Margin 13.49%
EBITDA Margin 18.37%
EBIT Margin 18.37%
FCF Margin 21.51%

Dividends & Yields

This stock pays an annual dividend of $0.64, which amounts to a dividend yield of 1.46%.

Dividend Per Share $0.64
Dividend Yield 1.46%
Dividend Growth (YoY) n/a
Years of Dividend Growth n/a
Payout Ratio 8.41%
Buyback Yield 0.46%
Shareholder Yield 1.93%
Earnings Yield 18.08%
FCF Yield 28.34%
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) n/a
EPS Growth Forecast (3Y) n/a

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 4