Universal Insurance Inc.
UVE | NYSE
$44.04
-$0.12 (-0.27%)
Sep 21, 2026, 12:35 PM ET · Market open
Market Data
Market Cap $1.23B
Enterprise Value $628.2M
Beta 0.73
Average Volume 205.54K
Shares Outstanding (Diluted) 28.81M
Shares Change YoY 0.1%
Institutional Ownership 75.90%
Exchange NYSE
ISIN US91359V1070
Price Performance
Price Change 1M 2.8%
Price Change 3M 15.2%
Price Change 6M 29.2%
Price Change YTD 39.3%
Price Change 1Y 71.8%
Price Change 3Y 229.8%
Price Change 5Y 239.4%
1M CAGR (ann.) -2.0%
1Y CAGR (ann.) 78.3%
5Y CAGR (ann.) 32.3%
All-Time CAGR 20.3%
Valuation
PE Ratio 11.97
Forward PE 9.25
PEG Ratio 0.02
Forward PEG -2.71
PS Ratio 0.76
Forward PS 0.50
PB Ratio 1.93
P/FCF Ratio 3.56
P/Adj. FCF Ratio 3.71
P/OCF Ratio 3.57
EV/Sales 0.39
EV/EBIT 2.89
EV/EBITDA 2.04
EV/FCF 1.82
Earnings Yield 8.4%
FCF Yield 28.1%
Adj. FCF Yield 27.0%
Financial Health
Net Cash $600.8M
Total Debt $0
Cash & Short-Term Investments $600.8M
Total Assets $3.31B
Current Ratio 76.09
Quick Ratio 76.09
Debt / Equity Ratio 0.15
Debt / EBITDA 0.00
Debt / FCF 0.00
OCF / Debt N/A
Interest Coverage 52.65
Altman Z-Score 1.80
Piotroski F-Score 9
Margins & Profitability
Gross Profit Margin 37.7%
Operating Profit Margin 18.2%
EBITDA Margin 18.9%
Net Profit Margin 13.6%
FCF Margin 21.2%
Adj. FCF Margin 20.4%
SBC / Revenue 0.8%
SBC Impact (per share) -3.8%
Returns
Return on Assets 6.7%
Return on Equity 38.8%
Return on Invested Capital 7.4%
Return on Capital Employed 8.9%
Return on Tangible Assets 6.9%
Historical Growth (CAGR)
Revenue CAGR 3Y 7.8%
Revenue CAGR 5Y 7.6%
Revenue CAGR 10Y 9.6%
EPS CAGR 3Y 173.7%
EPS CAGR 5Y 33.2%
EPS CAGR 10Y 1.1%
FCF CAGR 3Y 5.0%
FCF CAGR 5Y 61.6%
FCF CAGR 10Y 5.8%
Analyst Forecasts
Analyst Rating Hold
Analyst Count 4
EPS Growth Next 3Y N/A
Revenue Growth Next 3Y N/A
Earnings Date Oct 21, 2026
EPS Estimate (next Q) $0.03
EPS Growth Est (next Q) -97.8%
Revenue Est (next Q) $610.56M
Revenue Growth Est (next Q) 52.3%
Fair Value Estimates
Graham Number $43.58
Graham Upside -1.3%
Lynch Fair Value $92.25
Lynch Upside 108.9%
Price Target $45
Price Target Upside 1.9%
Cash Flow
Operating Cash Flow $349.55M
Free Cash Flow $344.76M
Adj. Free Cash Flow $331.62M
FCF Per Share $12.20
OCF Per Share $12.37
OCF/S Ratio 21.2%
Income Statement
Revenue $1.63B
Gross Profit $268.35M
Operating Income $296.12M
EBITDA $307.81M
Net Income $219.89M
EPS (Diluted) $3.69
Revenue / Employee $1.75M
Profit / Employee $236.7K
Employees 929
Dividends
Annual Dividend $0.77
Dividend Yield 1.74%
Payout Ratio 20.9%
FCF Payout Ratio 6.5%
Adj. FCF Payout Ratio 6.7%
Dividend Growth (YoY) 0.0%
Pay Frequency Quarterly
Ex-Dividend Date Jul 30, 2026
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