Stock Scorecard
Stock Summary for Universal Insurance Holdings Inc (UVE) - $39.70 as of 5/22/2026 3:33:51 PM EST
Total Score
22 out of 30
Safety Score
52 out of 100
Currently on the following lists
Growth Stock List
Tim's Recommendation
Buy
Growth List Algorithm Criteria for UVE
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for UVE
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for UVE
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for UVE
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for UVE (52 out of 100)
| Stock Price Rating (Max of 10) | 8 |
| Historical Stock Price Rating (Max of 10) | 4 |
| Stock Price Trend (Max of 10) | 10 |
| Book Value (Max of 10) | 6 |
| Book Value to Price (Max of 10) | 0 |
| Analyst Buy Ratings (Max of 5) | 0 |
| Analyst Strong Buy Ratings (Max of 5) | 3 |
| Dividend Yield Percentage (Max of 10) | 4 |
| Operating Margin (Max of 10) | 4 |
| Trading Volume (Max of 10) | 4 |
| Price to Earnings (Max of 10) | 9 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Latest News for for UVE
Financial Details for UVE
Company Overview |
|
|---|---|
| Ticker | UVE |
| Company Name | Universal Insurance Holdings Inc |
| Country | USA |
| Description | Universal Insurance Holdings, Inc., is an integrated insurance holding company in the United States. The company is headquartered in Fort Lauderdale, Florida. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | INSURANCE - PROPERTY & CASUALTY |
| Most Recent Quarter | 3/31/2026 |
| Next Earnings Date | N/A |
Stock Price History |
|
| Last Day Price | 39.70 |
| Price 4 Years Ago | 9.37 |
| Last Day Price Updated | 5/22/2026 3:33:51 PM EST |
| Last Day Volume | 137,046 |
| Average Daily Volume | 222,052 |
| 52-Week High | 41.79 |
| 52-Week Low | 21.52 |
| Last Price to 52 Week Low | 84.48% |
Valuation Measures |
|
| Trailing PE | 5.77 |
| Industry PE | 11.31 |
| Sector PE | 62.66 |
| 5-Year Average PE | 4.05 |
| Free Cash Flow Ratio | 1.86 |
| Industry Free Cash Flow Ratio | 27.46 |
| Sector Free Cash Flow Ratio | 40.04 |
| Current Ratio Most Recent Quarter | 0.56 |
| Total Cash Per Share | 21.35 |
| Book Value Per Share Most Recent Quarter | 19.67 |
| Price to Book Ratio | 1.90 |
| Industry Price to Book Ratio | 1.56 |
| Sector Price to Book Ratio | 1.95 |
| Price to Sales Ratio Twelve Trailing Months | 0.68 |
| Industry Price to Sales Ratio Twelve Trailing Months | 1.24 |
| Sector Price to Sales Ratio Twelve Trailing Months | 5.01 |
| Analyst Buy Ratings | 0 |
| Analyst Strong Buy Ratings | 1 |
Share Statistics |
|
| Total Shares Outstanding | 27,911,100 |
| Market Capitalization | 1,108,070,670 |
| Institutional Ownership | 75.77% |
Dividends |
|
| Ex-Dividend Date | 5/8/2026 |
| Previous Dividend Amount | 0.1600 |
| Current Dividend Amount | 0.1600 |
| Total Years Dividend Increasing | 0 |
| Trailing Annual Dividend Rate | 0.61 |
| Trailing Annual Dividend Yield | 1.54% |
| Forward Annual Dividend Rate | 0.64 |
| Forward Annual Dividend Yield | 1.61% |
| 5-Year Dividend Payments Count | 25 |
| 3-Year Average Dividend Yield | 1.91% |
| 5-Year Average Dividend Yield | 4.06% |
| 1-Year Dividend Growth Rate Percentage | 0.00% |
| 3-Year Dividend Growth Rate Percentage | 0.00% |
| 5-Year Dividend Growth Rate Percentage | 0.00% |
| All-Time Dividend Growth Rate Percentage | 1.80% |
| Dividend Payout Ratio | 8.84% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 30.60% |
| Annual Earnings Growth | 210.47% |
| Reported EPS 12 Trailing Months | 6.76 |
| Reported EPS Past Year | 2.00 |
| Reported EPS Prior Year | 6.20 |
| Net Income Twelve Trailing Months | 195,800,000 |
| Net Income Past Year | 182,951,000 |
| Net Income Prior Year | 58,928,000 |
| Quarterly Revenue Growth YOY | -0.30% |
| 5-Year Revenue Growth | 8.26% |
| Operating Margin Twelve Trailing Months | 18.60% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 595,771,000 |
| Total Cash Past Year | 408,868,000 |
| Total Cash Prior Year | 259,441,000 |
| Net Cash Position Most Recent Quarter | 495,481,000 |
| Net Cash Position Past Year | 308,387,000 |
| Long Term Debt Past Year | 100,481,000 |
| Long Term Debt Prior Year | 101,243,000 |
| Total Debt Most Recent Quarter | 100,290,000 |
| Equity to Debt Ratio Past Year | 0.85 |
| Equity to Debt Ratio Most Recent Quarter | 0.85 |
| Total Stockholder Equity Past Year | 551,035,000 |
| Total Stockholder Equity Prior Year | 373,250,000 |
| Total Stockholder Equity Most Recent Quarter | 584,744,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 344,755,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 12.35 |
| Free Cash Flow Past Year | 377,055,000 |
| Free Cash Flow Prior Year | 129,990,000 |
Options |
|
| Put/Call Ratio | 3.50 |
| Has Options | Options Chain |
| Liquidity Rating | None |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 0.95 |
| MACD Signal | 1.14 |
| 20-Day Bollinger Lower Band | 26.99 |
| 20-Day Bollinger Middle Band | 34.10 |
| 20-Day Bollinger Upper Band | 41.21 |
| Beta | 0.78 |
| RSI | 58.42 |
| 50-Day SMA | 30.02 |
| 150-Day SMA | 21.92 |
| 200-Day SMA | 19.39 |
System |
|
| Modified | 5/23/2026 9:39:58 AM EST |