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

$43.71+0.73(0.02%)Pre-market

Market Cap

$1.22B

P/E

5.5x

P/S

0.7x

P/B

1.9x

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: 89/100

Strongest: Profitability (25/25); weakest: Growth (19/25).

Profitability25/25

Growth19/25

Balance Sheet & Red Flags21/25

Cash & Earnings Quality24/25

Strengths

Rising free cash flowStrong marginsHigh ROERising earnings

Valuation vs. 5-year range

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

P/E · 5.5x5y range 4.8x – 83.9x

Currently below its 16-quarter median.

P/S · 0.7x5y range 0.3x – 0.7x

Currently above its 20-quarter median.

P/B · 1.9x5y range 0.8x – 1.9x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Margin Pressure

Red Flag

The company posted negative operating margins in recent quarters — core operations are unprofitable.

Earnings Quality

Watch

FCF/Net Income has dropped below 0.7x in 3 quarters — monitor for earnings quality deterioration.

Price & Volume

Market Cap $1.22B

Metrics at a Glance

as of June 2026

Revenue & Profit

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

TTM Revenue: $1.63B
Q. Revenue: $427.03M
TTM EBITDA: $298.79M
TTM Op. Income: $292.53M
Q. Op. Income: $79.61M
TTM Net Income: $219.90M
Q. Net Income: $59.19M
EPS: $2.14
Shares Out.: $27.62M

$1.63B in TTM revenue grew 4.0% YoY, reaching $427.03M last quarter. TTM EBITDA of $298.79M and TTM operating income of $292.53M show growth is flowing through to the bottom line. TTM net income of $219.90M means revenue is converting into profit. Over the past year, TTM revenue is up 4% — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 18.7%
Op. Margin: 18.6%
Net Margin: 13.9%

Op. margin of 18.6% is up 7.1% YoY — cost efficiency is improving. Net margin at 13.9% Over the past year, operating margin is up 61% — an improving trend.

Price Ratios

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

P/E Ratio: 5.5x
P/S Ratio: 0.7x
P/B Ratio: 1.9x

At 5.5x P/E, the stock trades below typical market levels. P/S of 0.7x and P/B of 1.9x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Over the past year, P/E is down 53% — a weakening trend.

Assets & Liabilities

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

Total Assets: $3.31B
Cash: $532.16M
Long-Term Debt: $97.85M
Book Value: $637.15M
D/E Ratio: 0.2
Debt/EBITDA: 1.2

With $3.31B in assets and $97.85M in long-term debt, D/E is 0.2and book value is $637.15M — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 6 consecutive quarters — an improving trend.

Cash Flow

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

Op. Cash Flow: $101.08M
TTM Free Cash Flow: $339.68M
FCF Margin: 20.8%
FCF / Net Income: 1.5

TTM FCF of $339.68M on $101.08M in operating cash flow. The FCF / Net Income ratio of 1.5x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has fallen for 2 consecutive quarters — a weakening trend.