Universal Insurance Holdings Inc (UVE)
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Trading Day
Key levels of the most recently completed trading day — not a live quote.
52-Week Range
Current price 43.70 $ — 94% of the range above the low.
Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 08/03/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
Quality & Screener
AI Rating
ThreatenedUniversal nennt künstliche Intelligenz im Geschäftsbericht für 2025 ausschließlich als Risiko für das eigene Geschäftsmodell: KI verändere die Art, wie Verbraucher und Versicherungsagenten Policen suchen und kaufen, und Wettbewerber könnten sich mit KI einen Vorteil bei Schadenaufwand und Prämienniveau verschaffen. Eine KI-gestützte Umsatzquelle weist das Unternehmen nicht aus; erwähnt wird lediglich, dass regulatorische Entwicklungen zum KI-Einsatz in der Schadenbearbeitung beobachtet werden.
View the full file — quotes, sources, reviewed filings
„The emergence of AI or other machine learning technologies is likely to change the ways consumers and insurance agents shop for, evaluate and purchase insurance products in ways that are difficult to predict."
Das Aufkommen von künstlicher Intelligenz oder anderen Techniken des maschinellen Lernens dürfte die Art und Weise, wie Verbraucher und Versicherungsagenten Versicherungsprodukte suchen, bewerten und kaufen, auf schwer vorhersehbare Weise verändern.
„Competitors also might adopt more prompt or more effective solutions to adverse market conditions than we are able to implement, including through the use of AI or machine learning, providing those competitors with a competitive advantage through lower losses and LAE, more competitive premium levels, or a greater ability to expand their businesses."
Wettbewerber könnten auf ungünstige Marktbedingungen schneller oder wirksamer reagieren, als wir es umsetzen können — auch durch den Einsatz von künstlicher Intelligenz oder maschinellem Lernen —, was ihnen einen Wettbewerbsvorteil durch niedrigere Schäden und Schadenregulierungskosten, wettbewerbsfähigere Prämien oder eine größere Fähigkeit zur Ausweitung ihres Geschäfts verschaffen würde.
Filings Reviewed: 10-Q 2026-04-29 · 10-Q 2025-10-30 · 10-Q 2025-07-30 · 10-Q 2025-04-30 · 10-K 2026-02-27 · 10-K 2025-02-28
Rated on July 28, 2026 · How the Rating Is Built
Growth Score
6 of 10 Solid growthTen checks against the annual reports — each one passed counts a point.
- Revenue grows by more than 15% a year over three years 9.3% failed
- More than 10% revenue growth is expected for the coming year 1.5% failed
- Share count grows by less than 3% a year -2.2% passed
- Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") 28.6% failed
- Gross margin at 40% or higher and without meaningful erosion 38.2% failed
- Goodwill from acquisitions does not grow faster than revenue 0.1% passed
- Net debt below twice EBITDA 471 m net cash passed
- Operating cash flow covers the profits of the last three years 281 m passed
- Return on capital at 15% or higher, or up versus two years ago 35.1% passed
- Insiders hold at least 10% or are net buyers 11.3% passed
A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail
Analysts & Price Target
The price target sits 3.0% above the current price.
- Consensus
- Sell
- Analyst Ratings
- 1
Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.
Estimates by Fiscal Year
| Fiscal Year | EPS Estimate ($) | EPS Range ($) | Revenue Estimate ($M) | Expected Growth | Analysts |
|---|---|---|---|---|---|
| 12/31/2026 | 5.20 | 5.20 – 5.20 | 1,596 | -16.1% | 1 |
| 12/31/2027 | 4.50 | 4.50 – 4.50 | 1,577 | -13.5% | 1 |
Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.
Next Reporting Date
- Expected Earnings per Share
- 0.03 $
Expected date of the next quarterly or annual figures. Dates do shift occasionally — only the invitation issued by the company is binding.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
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· Total · per year
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The figures could not be loaded right now.
Source: fundamental data
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | 0.21 | -69.50 | 385 | 2.50 | 1.60 | -101 | -102 |
| 2025: Q1 | 1.44 | 25.80 | 395 | 7.30 | 10.50 | 187 | 186 |
| 2025: Q2 | 1.22 | 0.90 | 400 | 5.20 | 8.80 | 106 | 105 |
| 2025: Q3 | 1.38 | – | 401 | 3.50 | 9.90 | 62 | 61 |
| 2025: Q4 | 2.31 | 1,018.40 | 406 | 5.50 | 16.40 | 26 | 25 |
| 2026: Q1 | 1.88 | 30.90 | 392 | -0.90 | 13.90 | 155 | 153 |
| 2026: Q2 | 2.04 | 67.20 | 427 | 6.70 | 13.90 | 101 | 100 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
Annual Figures
| Fiscal Year | Revenue ($M) | EBIT ($M) | Net Income ($M) | EPS ($) | Operating Cash Flow ($M) | Equity ($M) | Total Assets ($M) |
|---|---|---|---|---|---|---|---|
| 2016 | 685 | 163 | 99 | 2.79 | 121 | 371 | 1,060 |
| 2017 | 752 | 170 | 107 | 2.99 | 245 | 440 | 1,455 |
| 2018 | 824 | 153 | 117 | 3.27 | 230 | 502 | 1,858 |
| 2019 | 939 | 64 | 47 | 1.36 | 85 | 494 | 1,720 |
| 2020 | 1,073 | 24 | 19 | 0.60 | 29 | 449 | 1,759 |
| 2021 | 1,122 | 28 | 20 | 0.65 | 234 | 430 | 2,056 |
| 2022 | 1,223 | -27 | -22 | -0.72 | 325 | 288 | 2,890 |
| 2023 | 1,392 | 88 | 67 | 2.22 | 71 | 341 | 2,317 |
| 2024 | 1,521 | 85 | 59 | 2.01 | 137 | 373 | 2,842 |
| 2025 | 1,596 | 243 | 183 | 6.35 | 381 | 551 | 2,840 |
Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.
About the Company
Universal Insurance Holdings, Inc. ist zusammen mit seinen Tochtergesellschaften eine integrierte Versicherungsholding in den USA.
| Employees | 929 |
|---|---|
| Headquarters | Fort Lauderdale, FL |
| Address | 1110 West Commercial Boulevard, 33309 Fort Lauderdale, United States |
| Phone | 954 958 1200 |
| Website | universalinsuranceholdings.com |
| IPO Date | 14. Dec 1992 |
| ISIN | US91359V1070 |
| Stock Split | 1:4 on 12/06/1994 |
Management
| Name | Title | Birth Year |
|---|---|---|
| Sean Patrick Downes | Executive Chairman | 1970 |
| Stephen Joseph Donaghy | CEO & Director | 1965 |
| Frank Crawford Wilcox CPA | Chief Financial Officer | 1966 |
| Kimberly Denice Campos | Chief Information Officer, Chief Administrative Officer & Director | 1978 |
| Michael J. Poloskey | Chief Operating Officer | 1970 |
| Rob Luther | Chief Investment Officer | – |
| Gary Lloyd Ropiecki CPA | Principal Accounting Officer & Secretary | – |
| Darryl Lamont Lewis | Chief Legal Officer | 1965 |
| Jason M. Burns | President of Blue Atlantic | 1980 |
| Matthew John Palmieri | Chief Risk Officer | 1980 |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Insider Transactions
| Date | Person | Role | Type | Shares | Price | Value |
|---|---|---|---|---|---|---|
| 28. Jul 2026 | Downes Sean P | Executive Chairman | Other | 23,610 | 44.22 | 1,044,034 |
Reportable transactions by officers and major shareholders from SEC Form 4 filings. "Other" includes things like stock grants and option exercises without a buy/sell character.
View all insider transactions →Chart
Interactive price chart (TradingView).
Data as of: July 31, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.