UNIVERSAL INSURANCE HOLDINGS IN (UVE) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

UNIVERSAL INSURANCE HOLDINGS IN

NYSE•Financial Services•Insurance - Property & Casualty

$47.89+0.32(0.01%)Market open

Market Cap

$1.35B

P/E

5.8x

P/S

0.8x

P/B

2.1x

Universal Insurance Holdings, Inc., together with its subsidiaries, operates as an integrated insurance holding company in the United States. The company offers insurance products for personal residential insurance, such as homeowners, renters and tenants, condo unit owners, and dwelling and fire; and allied lines, coverage for other structures, and personal property, liability, and personal articles coverages. It also advises on actuarial issues, oversees distribution, administers claims payments, performs policy administration and underwriting, and assists with reinsurance negotiations; evaluates insurance risk and exposures on an individual and portfolio basis and assists the insurance entities with pricing risks; places and manages its reinsurance programs; and operates its digital insurance agency, Clovered.com. It offers its products through its independent agency network, direct-to-consumer online distribution, and digital insurance agency platform. The company was formerly known as Universal Heights, Inc. and changed its name to Universal Insurance Holdings, Inc. in January 2001. Universal Insurance Holdings, Inc. was incorporated in 1990 and is headquartered in Fort Lauderdale, Florida.

How this company scores

ExcellentMetricSide Score: 88/100

Strongest: Cash & Earnings Quality (24/25); weakest: Balance Sheet & Red Flags (21/25).

Profitability22/25

Growth21/25

Balance Sheet & Red Flags21/25

Cash & Earnings Quality24/25

Strengths

Rising free cash flowStrong marginsHigh ROERising earnings

No red flags in the last 8 quarters.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 5.8x5y range 4.8x – 83.9x

Currently near its 16-quarter median.

P/S · 0.8x5y range 0.3x – 0.8x

Currently above its 20-quarter median.

P/B · 2.1x5y range 1.0x – 2.1x

Price & Volume

Market Cap $1.35B

Metrics at a Glance

as of September 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $1.67B
Q. Revenue: $439.32M
TTM EBITDA: $316.16M
TTM Op. Income: $309.90M
Q. Op. Income: $70.15M
TTM Net Income: $232.58M
Q. Net Income: $52.51M
EPS: $1.9
Shares Out.: $27.61M

$1.67B in TTM revenue grew 5.5% YoY, reaching $439.32M last quarter. TTM EBITDA of $316.16M and TTM operating income of $309.90M show growth is flowing through to the bottom line. TTM net income of $232.58M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 2 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 16.0%
Op. Margin: 16.0%
Net Margin: 12.0%

Op. margin of 16.0% is up 2.8% YoY — cost efficiency is improving. Net margin at 12.0% Over the past year, operating margin is up 21% — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 5.8x
P/S Ratio: 0.8x
P/B Ratio: 2.1x

At 5.8x P/E, the stock trades below typical market levels. P/S of 0.8x and P/B of 2.1x provide additional context. P/E sits below typical market levels while revenue is growing. Across the last 8 quarters, P/E has risen for 2 consecutive quarters — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $3.18B
Cash: $569.46M
Long-Term Debt: $97.34M
Book Value: $646.04M
D/E Ratio: 0.2
Debt/EBITDA: 1.4

With $3.18B in assets and $97.34M in long-term debt, D/E is 0.2and book value is $646.04M — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 7 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $83.03M
TTM Free Cash Flow: $360.37M
FCF Margin: 21.6%
FCF / Net Income: 1.5

TTM FCF of $360.37M on $83.03M in operating cash flow. The FCF / Net Income ratio of 1.5x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is up 44% — an improving trend.