Stock AnalizUniversal Insurance Holdings, Inc. UVE
Property-Casualty Insurers · data as of November 13, 2026
Universal Insurance Holdings, Inc. (UVE) is a financial company listed in the US with a market value of about $1.3B. In the twelve months to September 30, 2026 it had revenue of $1.7B and net income of $233M, a net margin of 13.9%.
Its overall Stock Analiz score is 3.0 out of 5 (average). The strongest part is value (4/5); the weakest is future growth (1/5).
Key numbers: a P/E of 6.1, a price to free cash flow of 3.7, 5-year revenue growth of 8% a year. A discounted cash flow model with moderate assumptions puts its intrinsic value about 38% below the current price.
Score: 3.0 / 5
Checks passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- PEG below 1.5
- Profit margin improving
- 5-year EPS growth above 10% a year
- 5-year revenue growth above 8% a year
- ROE above 15%
Checks not passed
- Price below intrinsic value (DCF, moderate assumptions)
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- 3-year free cash flow growth above 10% a year
- Strong R&D investment or growth above 20%
- 5-year average ROIC above 12%
- Profitable 5 years in a row
- Interest covered more than 5 times
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.7B | $1.6B | $1.5B | $1.4B | $1.2B | $1.1B | $1.1B | $939M | $824M | $752M | $685M |
| Net income | $233M | $183M | $59M | $67M | -$22M | $20M | $19M | $47M | $117M | $107M | $99M |
| Free cash flow | $360M | $377M | $130M | $67M | $320M | $227M | $12M | $73M | $223M | $240M | $113M |
| EPS (diluted) | $8.00 | $6.32 | $2.01 | $2.22 | $-0.72 | $0.65 | $0.60 | $1.36 | $3.27 | $2.99 | $2.79 |
| Net margin | 13.9% | 11.4% | 3.9% | 4.8% | -1.8% | 1.8% | 1.8% | 5.0% | 14.2% | 14.2% | 14.5% |
| ROIC | — | — | — | — | — | — | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 1 analysts is $51.00, 5% above the current price; targets range from $51.00 to $51.00; the consensus rating is “none”; expected EPS is $6.50 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is Universal Insurance’s P/E ratio?
About 6.1, based on the last twelve months of diluted earnings per share (forward P/E about 9.1).
Is Universal Insurance stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 38% below the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Universal Insurance pay a dividend?
Yes. The dividend yield is about 1.32%, and it has paid dividends for 10 years in our data.
Is Universal Insurance a good stock to buy?
We do not give buy or sell advice. Universal Insurance scores 3.0 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.