UVE
UNIVERSAL INSURANCE HOLDINGS, INC.
Next earnings Jul 22, 2026 · consensus $1.58 EPS, $385M rev
Last earnings +3.2% on 2026-04-23
$41.13
▲ +4.21%$41.13▲ +54.59%
over 1Y
L $22.47EODHDH $41.13
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+4.2%
1W+7.3%
1M+7.8%
3M+22.6%
YTD+30.8%
1Y+54.6%
Buy
Conviction
Horizon
Medium (3–12mo)
Street · 6 analysts
Buy
Revenue grew 5.5% YoY.
Revenue (FY2025) $1.60B · FY2025
The read
Quality fundamentals and an attractive price line up (~484% below fair value) — the rarer case where both the business and the entry look good.
UNIVERSAL INSURANCE HOLDINGS, INC. shows $1.60B in FY2025 revenue (+5.5% YoY), a 11.4% net margin, and 33.2% ROE.
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | $1.12B | $1.22B | $1.39B | $1.52B | $1.60B |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $20.4M | -$22.3M | $66.8M | $58.9M | $183M |
| Diluted EPS | $0.65 | -$0.72 | $2.22 | $2.01 | $6.32 |
| Net margin | 1.8% | -1.8% | 4.8% | 3.9% | 11.4% |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF3.1
PEG (trailing)0.03
Earnings yield15.9%
FCF yield32.7%
Quality & risk
ROIC (est.)—
Free cash flow$377M
Total debt$100M
Net cash$308M
Piotroski F-Score7/7
Capital returns
Buyback yield1.9%
Dividend yield (est.)1.9%
Shareholder yield3.9%
Shares Δ YoY-0.3%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsRoutine disclosure cadence — no material red flags in recent filings.
Recent filings
all on EDGAR ↗8-KPeriod ending 2026-06-162026-06-18open ↗8-KPeriod ending 2026-06-112026-06-15open ↗4Period ending 2026-06-112026-06-12open ↗4Period ending 2026-06-112026-06-12open ↗4Period ending 2026-06-112026-06-12open ↗4Period ending 2026-06-112026-06-12open ↗4Period ending 2026-06-112026-06-12open ↗4Period ending 2026-06-112026-06-12open ↗4Period ending 2026-06-112026-06-12open ↗4Period ending 2026-06-112026-06-12open ↗4Period ending 2026-06-112026-06-12open ↗4Period ending 2026-06-112026-06-12open ↗
Frequently asked
- Is UNIVERSAL INSURANCE HOLDINGS, INC. (UVE) a buy?
- UVE currently carries a Buy rating with 4/5 conviction, derived from its latest SEC filings. Revenue grew 5.5% YoY.
- What is UVE's fair value?
- A Modified-Graham model based on UVE's SEC fundamentals estimates a fair value of about $240.16. It is an estimate from reported earnings, not a price target.
- Is UVE overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, UVE currently appears undervalued relative to its SEC-grounded earnings power.
- What is UNIVERSAL INSURANCE HOLDINGS, INC.'s quality score?
- UVE scores 83.02941176470588/100 (grade A) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0000891166, latest 10-Q filed 2026-04-29) · EODHD · as of 6/26/2026, 7:45:05 PM.
Research and education only — not financial advice. EDGAR is not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities EDGAR rates; see Disclosures. Past performance does not guarantee future results. Do your own research.