📊 UVE Key Takeaways
Is Universal Insurance Holdings, Inc.. (UVE) a Good Investment?
Universal Insurance demonstrates exceptional profitability with 33.2% ROE and outstanding cash generation (23.5% FCF margin) supported by a fortress balance sheet (0.18x D/E ratio). While net income stagnation despite 5.5% revenue growth warrants monitoring for margin compression, the company's strong operational fundamentals and capital efficiency indicate solid underlying business quality.
Why Buy Universal Insurance Holdings, Inc.. Stock? UVE Key Strengths
- Exceptional ROE of 33.2% indicates superior capital efficiency and profitability
- Outstanding free cash flow generation of $377.1M with 23.5% FCF margin
- Fortress balance sheet with minimal leverage (0.18x D/E) and strong cash reserves of $408.9M
- Excellent interest coverage ratio of 37.8x with minimal debt burden
- Strong operating margin of 15.2% reflecting disciplined cost management
UVE Stock Risks: Universal Insurance Holdings, Inc.. Investment Risks
- Net income flatness (+0.0% YoY) despite 5.5% revenue growth suggests margin pressure or rising claims/expenses
- Insurance sector vulnerability to catastrophic events and adverse weather conditions affecting underwriting results
- Potential margin compression if underwriting profitability deteriorates relative to premium growth
- Rising interest rate environment could impact investment income and discount rates on reserves
- Competitive market dynamics in property and casualty insurance may pressure pricing power
Key Metrics to Watch
- Combined ratio and underwriting profitability to explain net income stagnation
- Operating cash flow consistency and free cash flow generation sustainability
- Premium growth rates and retention metrics by business segment
- Loss ratios and reserve adequacy in catastrophe exposure areas
- Debt/equity ratio and debt-to-EBITDA to monitor financial flexibility
Universal Insurance Holdings, Inc.. (UVE) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 23.5% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
UVE Profit Margin, ROE & Profitability Analysis
UVE vs Finance Sector: How Universal Insurance Holdings, Inc.. Compares
How Universal Insurance Holdings, Inc.. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Universal Insurance Holdings, Inc.. Stock Overvalued? UVE Valuation Analysis 2026
Based on fundamental analysis, Universal Insurance Holdings, Inc.. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Universal Insurance Holdings, Inc.. Balance Sheet: UVE Debt, Cash & Liquidity
UVE Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Universal Insurance Holdings, Inc..'s revenue has grown significantly by 43% over the 5-year period, indicating strong business expansion. The most recent EPS of $2.22 reflects profitable operations.
UVE Revenue Growth, EPS Growth & YoY Performance
UVE Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $387.6M | -$16.2M | $-0.57 |
| Q2 2025 | $380.2M | $33.7M | $1.21 |
| Q1 2025 | $368.0M | $33.7M | $1.14 |
| Q3 2024 | $360.0M | -$5.9M | $-0.20 |
| Q2 2024 | $339.6M | $24.2M | $0.93 |
| Q1 2024 | $316.5M | $24.2M | $0.79 |
| Q3 2023 | $312.8M | -$5.9M | $-0.20 |
| Q2 2023 | $292.0M | $7.4M | $0.24 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Universal Insurance Holdings, Inc.. Dividends, Buybacks & Capital Allocation
UVE SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Universal Insurance Holdings, Inc.. (CIK: 0000891166)
📋 Recent SEC Filings
❓ Frequently Asked Questions about UVE
What is the AI rating for UVE?
Universal Insurance Holdings, Inc.. (UVE) has an AI rating of BUY with 78% confidence, based on fundamental analysis of SEC EDGAR filings.
What are UVE's key strengths?
Claude: Exceptional ROE of 33.2% indicates superior capital efficiency and profitability. Outstanding free cash flow generation of $377.1M with 23.5% FCF margin.
What are the risks of investing in UVE?
Claude: Net income flatness (+0.0% YoY) despite 5.5% revenue growth suggests margin pressure or rising claims/expenses. Insurance sector vulnerability to catastrophic events and adverse weather conditions affecting underwriting results.
What is UVE's revenue and growth?
Universal Insurance Holdings, Inc.. reported revenue of $1.6B.
Does UVE pay dividends?
Universal Insurance Holdings, Inc.. pays dividends, with $22.2M distributed to shareholders in the trailing twelve months.
Where can I find UVE SEC filings?
Official SEC filings for Universal Insurance Holdings, Inc.. (CIK: 0000891166) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is UVE's EPS?
Universal Insurance Holdings, Inc.. has a diluted EPS of $6.32.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is UVE a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Universal Insurance Holdings, Inc.. has a BUY rating with 78% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.
Is UVE stock overvalued or undervalued?
Valuation metrics for UVE: ROE of 33.2% (sector avg: 12%), net margin of 11.4% (sector avg: 25%). Higher ROE suggests strong returns relative to peers.
Should I buy UVE stock in 2026?
Our dual AI analysis gives Universal Insurance Holdings, Inc.. a combined BUY rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is UVE's free cash flow?
Universal Insurance Holdings, Inc..'s operating cash flow is $381.5M, with capital expenditures of $4.4M. FCF margin is 23.5%.
How does UVE compare to other Finance stocks?
Vs Finance sector averages: Net margin 11.4% (avg: 25%), ROE 33.2% (avg: 12%), current ratio N/A (avg: 1.2).
Why is UVE's return on equity (ROE) so high?
Universal Insurance Holdings, Inc.. has a return on equity of 33.2%, significantly above the Finance sector average of 12%. A high ROE indicates the company is efficient at generating profits from shareholder equity. This is supported by a 11.4% net margin.