Universal Insurance Holdings, Inc. (UVE) stock
UVENYSEFire, Marine & Casualty InsuranceFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Oct 29, 2026Score 16/3015% below fair value
$48.57+0.44 (+0.91%)
Close on Nov 12, 2026Market cap $1.34BP/E 6.1Yield 1.59%
Universal Insurance statistics
93 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- Feb 23, 2027 (estimated, during market hours)
- Last ex-dividend date
- Jul 31, 2026
- Fundamentals through
- Sep 30, 2026
- Share price as of
- Nov 12, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 2.08
- 1.73
- P/OCF Ratio
- 3.68
- 7.17
Enterprise valuationIndustry
- EV / Sales
- 0.46
- 0.96
- EV / FCF
- 2.15
- 7.18
Share statisticsIndustry
- Shares Change (YoY)
- 0.32%
- -1.32%
- Shares Change (QoQ)
- -0.68%
- -0.09%
- Float
- 24M
- 57M
- Shares Held by Insiders
- 14.5%
- 3.33%
- Shares Held by Institutions
- 78.0%
- 84.6%
Short sellingIndustry
- Short Interest
- 1M
- –
- Short Interest Change
- 16.9%
- -2.56%
- Short % of Float
- 4.39%
- 3.81%
- Short % of Shares Outstanding
- 3.75%
- 3.02%
- Days to Cover
- 4.35
- 4.05
Stock price statisticsIndustry
- 52-Week High
- $50.75
- –
- 52-Week Low
- $28.32
- –
- 20-Day Moving Average
- $47.81
- –
- 50-Day Moving Average
- $45.65
- –
- 200-Day Moving Average
- $39.73
- –
- Average True Range (14)
- $1.47
- –
- Price Change (1 Week)
- 2.43%
- 0.07%
- Price Change (1 Month)
- 4.00%
- 4.24%
- Price Change (3 Months)
- 12.4%
- 0.69%
- Price Change (6 Months)
- 24.4%
- 11.5%
- Price Change (YTD)
- 43.7%
- 8.44%
- Price Change (1 Year)
- 38.9%
- 9.87%
- Price Change (3 Years)
- 203.4%
- 49.0%
- Price Change (5 Years)
- 211.3%
- 41.8%
- Price Change (10 Years)
- 116.3%
- 114.7%
- Average Volume (10 Days)
- 242,451
- –
- Average Volume (20 Days)
- 238,363
- –
- Average Volume (90 Days)
- 204,930
- –
- Relative Volume
- 0.84
- 0.78
- Relative Strength Index (14)
- 58.6
- 55.8
- Volatility (1 Year)
- 35.6%
- 28.3%
- Beta (5 Years)
- 0.45
- 0.60
MarginsIndustry
- Pretax Margin
- 18.6%
- 13.5%
- FCF Margin
- 21.6%
- 18.5%
Returns on capitalIndustry
- Return on Equity (ROE)
- 40.8%
- 13.9%
- Return on Assets (ROA)
- 7.41%
- 2.97%
GrowthIndustry
- Revenue Growth (YoY)
- 5.51%
- 6.46%
- Net Income Growth (YoY)
- 90.0%
- 11.9%
- EPS Growth (YoY)
- 88.7%
- 12.7%
- FCF Growth (YoY)
- 44.3%
- 9.52%
- Revenue Growth (3Y CAGR)
- 9.47%
- 9.53%
- Revenue Growth (5Y CAGR)
- 8.38%
- 8.29%
- EPS Growth (5Y CAGR)
- 60.1%
- 15.2%
EfficiencyIndustry
- Asset Turnover
- 0.53
- 0.27
- Revenue Per Employee
- $1.80M
- $1.80M
- Profits Per Employee
- $250.35K
- $182.48K
- Employee Count
- 929
- 1,341
- WACC
- 7.48%
- 7.97%
Income statement (TTM)Industry
- Pretax Income
- $309.91M
- $617.47M
Balance sheetIndustry
- Net Cash (Debt)
- $569.46M
- $331.32M
- Net Cash Per Share
- $20.58
- $5.43
- Equity (Book Value)
- $646.04M
- $3.44B
- Book Value Per Share
- $23.35
- $37.80
- Tangible Book Value
- $646.04M
- $2.32B
Cash flow (TTM)Industry
- Capital Expenditures
- -$4.64M
- -$9.40M
- FCF Per Share
- $13.02
- $8.18
Dividends and yieldsIndustry
- Earnings Yield
- 17.3%
- 8.74%
- FCF Yield
- 26.8%
- 11.6%
- Dividend Yield
- 1.59%
- 1.88%
- Buyback Yield
- 1.94%
- 3.22%
- Shareholder Yield
- 3.52%
- 4.27%
- Dividend Per Share
- $0.77
- $1.75
- Dividend Growth (YoY)
- 0.00%
- 4.86%
- Years of Dividend Growth
- 0
- 3
- Payout Ratio
- 9.53%
- 20.1%
- FCF Payout Ratio
- 6.15%
- 17.9%
Taxes and interestIndustry
- Interest Expense
- $7.27M
- $77.46M
- Income Tax
- $77.33M
- $107.00M
- Effective Tax Rate
- 25.0%
- 20.0%
Scores and fair valueIndustry
- Graham Number
- $64.83
- $76.72
- Graham Upside
- 33.5%
- 11.1%
- Altman Z-Score
- 1.24
- 0.94
- Piotroski F-Score
- 6
- 5
- Lynch Fair Value
- $200.00
- –
- Lynch Upside
- 311.8%
- 75.8%
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 12, 2026. The S&P 500 is measured by the SPY fund.
| Period | UVE | S&P 500 | Difference | UVE per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | +4.9% | -2.7% | +7.6 pts | ||
| 3 months | +15.0% | -1.7% | +16.7 pts | ||
| Year to date | +45.5% | +11.9% | +33.6 pts | ||
| 1 year | +43.8% | +12.0% | +31.9 pts | ||
| 3 years | +228.0% | +78.2% | +149.9 pts | +48.6% | +21.2% |
| 5 years | +283.8% | +73.2% | +210.5 pts | +30.9% | +11.6% |
| 10 years | +214.2% | +309.6% | −95.4 pts | +12.1% | +15.1% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
1M UVE shares were sold short on Oct 30, 2026, up 16.9% from the previous report, or 4.39% of the shares available to trade. At recent volumes it would take 4.3 days to buy them back. Over the last 20 sessions, 48.7% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 1,037,458 | +16.9% | 238,575 | 4.3 |
| Oct 15, 2026 | 887,853 | -25.8% | 209,948 | 4.2 |
| Sep 30, 2026 | 1,196,016 | +83.5% | 170,164 | 7.0 |
| Sep 15, 2026 | 651,620 | +6.8% | 130,107 | 5.0 |
| Aug 31, 2026 | 609,997 | +11.7% | 214,221 | 2.9 |
| Aug 14, 2026 | 546,050 | -59.4% | 175,782 | 3.1 |
| Jul 31, 2026 | 1,344,189 | -0.8% | 234,120 | 5.7 |
| Jul 15, 2026 | 1,354,475 | +41.8% | 255,421 | 5.3 |
| Jun 30, 2026 | 955,202 | +49.1% | 239,969 | 4.0 |
| Jun 15, 2026 | 640,640 | +28.9% | 166,014 | 3.9 |
| May 29, 2026 | 496,974 | -1.3% | 163,833 | 3.0 |
| May 15, 2026 | 503,544 | -8.4% | 208,027 | 2.4 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
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