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Universal Insurance Holdings Inc (UVE) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Universal Insurance Holdings Inc stock $53.30, price $46.75, upside +14.0%, quality 74 out of 100. Rating: undervalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

6 models, one by oneBear $37.45 to bull $66.62 Growth analysisrevenue history, year by year Quality 74/100 in detail37 factors, each one shown Compared with its peersrank on every measure, side by side

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Financial Services US

Broad data Nov 8, 2026

Universal Insurance Holdings Inc

UVE · US

Undervalued, in an uptrend

The stock costs 12% less than our calculation considers fair.

Fair value $53.30 · Undervalued (12%)

Quality 74/100

Solidly profitable · 14.0% net margin (TTM)

1.4% dividend yield · Low payout

Ranks above peers (12/14)

Upbeat coverage

Broad data

Costs just 5.9 times its yearly profit.

Mixed Growth (revenue 5y +8.3 %/yr in USD)

Wide moat 65/100 · thin data

Insiders sold $6.6M (6M)

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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.

How to read this chart

60‑month range $7.56 – $49.03 · fair‑value band $37.45 – $66.62 · the $46.75 price screens below the $53.30 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. As of Nov 8, 2026.

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Company profile

Universal Insurance Holdings, Inc., together with its subsidiaries, operates as an integrated insurance holding company in the United States.

Show moreShow less

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.

Stock analysis

Universal Insurance Holdings Inc (UVE) currently trades at $46.75, while our model-based Fair Value estimate is $53.30, implying the stock looks roughly 12% undervalued today.

Valuation

Bull case: the Economic Profit group reads highest at a median of $59.88 per share, and 2 of the 6 models we run sit above the $46.75 price.

Bear case: the Asset-Based group reads lowest at $10.11, and 4 of the 6 models stay below the price. Data coverage for this calculation is high.

Scenario range: $37.45 (bear) to $66.62 (bull), the price of $46.75 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 74/100 (solid quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Universal Insurance Holdings Inc reported revenue of $1.6B in FY2025 versus $1.1B in FY2021, a compound +9.2%/yr. Reported net income was $183M in FY2025, compounding +73.0%/yr from FY2021.

Key figures

Market cap $1.3B Small · P/E ratio 5.9 · P/S ratio 0.81 · EPS (TTM) $7.86 · Dividend yield 1.4% · Net margin 14.0% · Return on equity 40.8% · Return on assets (EBIT) 3.2% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 65 out of 100 (low confidence).

What moves the price

The share trades about 5% below its 52-week high and 64% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −29% fair-value upside, at 14%, UVE screens cheaper than that median.

Fair Value models

Bear $37.45 Fair Value $53.30 Bull $66.62

Price $46.75 · Upside +14.0%

Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($6.17 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.

Best data coverage

Residual Income $37.45 $59.88 $145.60 68

Gordon GGM $6.50 $12.16 $17.31 67

DDM Multi-Stage $6.50 $10.89 $12.94 67

All 6 models by family

Dividend Discount

Gordon GGM $6.50 $12.16 $17.31 67

DDM Multi-Stage $6.50 $10.89 $12.94 67

Multiples

P/E Multiple $64.09 $85.46 $106.82 63

P/B Multiple $15.85 $21.14 $26.42 55

Asset-Based

NCAV (Graham) $7.55 $10.11 $15.10 54

Economic Profit

Residual Income $37.45 $59.88 $145.60 68

Open the full fair value analysis →

Quality Score breakdown

Overall quality 74/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 55

How much profit the company makes from its sales and capital

Quality Growth 78

Are margins and returns getting better?

Cashflow 95

Do the profits arrive as real cash?

Financial strength 48

Debt, balance sheet and risk of trouble

Investment 67

Does it invest with discipline instead of growing at any price?

Low Volatility 70

How calm the share price moves, does not count

Price momentum 69

Price momentum of the last 3 to 12 months, does not count

Near the 52-week high 87

Distance to the 52-week high, does not count

New shares 89

Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, 3 officers or directors sold shares worth $6.6M and none bought.

SaleJon SpringerDirector2× since Nov 14, 2025: 65,688 shares, avg. $43.54$2.9MNov 4, 2026
SaleSean P DownesExecutive Chairman, Director9× since Nov 25, 2025: 180,000 shares, avg. $39.44$7.1MOct 30, 2026
SaleMichael PietrangeloDirector7,500 shares at $39.39$295,455May 13, 2026
SaleKimberly D CamposCIO & CAO, Director3× since Mar 3, 2026: 3,535 shares, avg. $34.66$122,523Mar 31, 2026
SaleRichard D PetersonDirector2× since Dec 30, 2025: 3,855 shares, avg. $33.86$130,547Mar 30, 2026
SaleStephen DonaghyCEO, Director50,000 shares at $33.92$1.7MDec 30, 2025

Plus 10 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 79/100

Revenue is growing, but margins or cash flow do not fully confirm the trend.

Revenue growth 1 year

+4.9%

Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.

+9.3%

Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.

+8.3%

Start year 2020 (pandemic). Over 10 years: +11.3% a year

Revenue growth 34 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.

+32.9%

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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: adjusted.

≈ +54.2%

Earnings growth per share plus dividend.

Earnings per share, growth per year≈ +52.8%

Dividend (yield on the price)1.4%

Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.base effect: 57.7% / 8.6%

Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.2% → 15%

⚠ Base effect: the rate starts in the earnings trough around 2020 (starting value 0.76 per share, median 2.98 in 2015 to 2018). It measures the recovery from the trough, not lasting growth.

Watch UVE, get fair value alerts →

Earlier news

News mood ⓘNews mood, the average tone of recent news (97 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation. Hype

Recent news coverage is unusually upbeat, far more positive than stocks are typically covered.

Earnings Beat Could Be A Catalyst For Universal Insurance Holdings Stock (UVE) Yahoo Finance · Oct 25, 2026
Universal Insurance Holdings (UVE) Q3 Earnings Put Its Valuation Back In Focus Yahoo Finance · Oct 25, 2026
Can Universal Insurance Holdings (UVE) Still Trade At A Discount After Strong Q3 Earnings? Yahoo Finance · Oct 24, 2026
Universal signals organic growth focus as it reports 8% policies in-force growth and calls Hurricane Isaias manageable Seeking Alpha · Oct 23, 2026

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Insurance - Property & Casualty · 100 stocks

Beats the industry median on 12/14 measures

Overall it ranks above its industry peers.

Valuation

Quality Score 74 · Top 25%

Fair Value upside +14.0% · Above median

Profitability

Return on equity (12 months) 40.8% · Top 25%

Return on assets 6.4% · Top 25%

Net margin (12 months) 14.0% · Above median

Operating margin (12 months) 16.4% · Above median

Growth and dividend

Revenue growth (quarter YoY) 9.6% · Above median

Dividend yield (12 months) 1.4% · Below median

Balance sheet

Debt / equity 0.18× · Below median

Valuation Multiplesvs Insurance - Property & Casualty median · lower = cheaper

P/E (12 months) 5.9× · Cheapest 25%

P/B 2.44× · Priciest 25%

P/S (12 months) 0.81× · Cheaper than median

Price / free cash flow (fiscal year) 3.6× · Cheapest 25%

EV/EBITDA 3.2× · Cheapest 25%

Strength profile in five axes (Snowflake)

This stock

Sector peers

VALUE (fair-value potential)52 · sector 8

FUTURE (revenue growth)48 · sector 25

PAST (return on equity)100 · sector 61

HEALTH (low debt)–

DIVIDEND (yield)27 · sector 47

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Insurance - Property & Casualty stocks, each showing price versus our Fair Value estimate.

Stock	Price	Fair Value	vs Fair Value	Compare
The People's Insurance Company 601319	¥7.26	¥9.01	+24%	vs UVE
Fairfax Financial Holdings FFH	C$2,673	C$3,076	+15%	vs UVE
The Allstate Corporation ALL	$254.81	$290.52	+14%	vs UVE
Cincinnati Financial Corporation CINF	$185.48	$144.19	−22%	vs UVE
The Progressive Corporation PGR	$227.77	$160.75	−29%	vs UVE
Chubb Limited CB	$365.02	$235.99	−35%	vs UVE
The Travelers Companies, Inc TRV	$395.20	$254.84	−36%	vs UVE
Intact Financial Corporation IFC	C$276.00	C$168.64	−39%	vs UVE
W. R. Berkley Corporation WRB	$75.23	$43.28	−42%	vs UVE
QBE Insurance Group QBE	A$26.75	A$13.41	−50%	vs UVE

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Frequently asked questions

Is Universal Insurance Holdings Inc (UVE) overvalued or undervalued?

As of Nov 8, 2026, our model estimates a fair value of $53.30 versus a price of $46.75, about +14% upside (undervalued).

What is the fair value of UVE?

Our model-based fair value for Universal Insurance Holdings Inc is $53.30 (as of Nov 8, 2026), built from audited fundamentals. The current price: $46.75.

What is the quality score of UVE?

Universal Insurance Holdings Inc has a Quality Score of 74/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.

What is the price target for Universal Insurance Holdings Inc (UVE)?

Our model-based price target is the fair value of $53.30 (as of Nov 8, 2026) from 6 valuation models. Cautious scenario $37.45, optimistic scenario $66.62. It is a calculation from audited fundamentals, not an analyst target.

What is the Universal Insurance Holdings Inc stock forecast for 2026?

Our models put fair value at $53.30, about +14% upside versus a price of $46.75 (undervalued). Cautious scenario $37.45, optimistic scenario $66.62. The calculation is refreshed regularly with new filings.

What is the revenue of Universal Insurance Holdings Inc (UVE)?

Universal Insurance Holdings Inc reported trailing-twelve-month revenue of about $1.7B (latest available figure, as of Nov 8, 2026).

Does Universal Insurance Holdings Inc pay a dividend?

Universal Insurance Holdings Inc currently shows a dividend yield of 1.37% relative to its recent price (as of Nov 8, 2026).

How much is the dividend of Universal Insurance Holdings Inc (UVE) and when is the ex-dividend date?

Universal Insurance Holdings Inc pays a dividend of $0.64 per share a year, a dividend yield of 1.4%. The last ex-dividend date was Jul 31, 2026. A dividend has been paid every year since 2006. The payout ratio is 8.1% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.

What is the intrinsic value of Universal Insurance Holdings Inc (UVE)?

Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Universal Insurance Holdings Inc it is $53.30 per share (as of Nov 8, 2026), against a price of $46.75. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).

Is Universal Insurance Holdings Inc stock overvalued or undervalued in 2026?

As of Nov 8, 2026, UVE trades below its calculated fair value: price $46.75, fair value $53.30, a gap of about +14% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.

Is fair value the same as the market price of UVE?

No. The price is what the market pays today ($46.75); the fair value is what the company's own numbers justify ($53.30). For Universal Insurance Holdings Inc the two are $6.55 per share apart. That gap is exactly why we show both numbers side by side.

How much is Universal Insurance Holdings Inc worth?

The market values Universal Insurance Holdings Inc at about $1.3B (market capitalisation, as of Nov 8, 2026). Per share that is $46.75; our models calculate a fair value of $53.30 per share.

What do the bullish and bearish scenarios say about UVE?

Our models span a range for Universal Insurance Holdings Inc: cautious scenario $37.45, base $53.30, optimistic $66.62 per share (as of Nov 8, 2026, price $46.75). The range comes from different growth and margin assumptions, not from analyst opinions.

What is the P/E ratio of UVE?

Universal Insurance Holdings Inc trades at a price-to-earnings ratio of 5.9 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $53.30 is built from several models across several years. Median P/E at fiscal year-end, 9 fiscal years (2016 to 2025), reported earnings, 5 of the years ex one-offs: 10.2. Other multiples: P/B 2.4, P/S 0.8, EV/EBITDA 3.2.

How solid is the balance sheet of Universal Insurance Holdings Inc (UVE)?

Balance-sheet figures for Universal Insurance Holdings Inc (as of Nov 8, 2026): return on equity 40.8%, debt of 0.18 per unit of equity. They feed the Quality Score of 74/100, which measures business quality independently of the share price.

How far is UVE from its 52-week high?

Universal Insurance Holdings Inc trades at $46.75, about 5% below its 52-week high of $49.03 and 64% above the low of $28.50 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $53.30 is for.

Which stocks are comparable to Universal Insurance Holdings Inc?

From the same area (Financial Services) we also value Chubb Limited, The Progressive Corporation, The Travelers Companies, Inc, The Allstate Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.

Is Universal Insurance Holdings Inc stock attractive at the current price?

The data as of Nov 8, 2026: price $46.75, calculated fair value $53.30 (+14%), Quality Score 74/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.

How is the fair value of UVE calculated?

We run Universal Insurance Holdings Inc through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $53.30 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.

Is it still worth investing in stocks now?

The global stock market currently sits 13.0% above its aggregate fair value. Universal Insurance Holdings Inc currently trades 12% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.

What is the share price of Universal Insurance Holdings Inc (UVE)?

The closing price on Nov 6, 2026 was $46.75. Our model-based fair value is $53.30, about +14% upside (undervalued). We carry closing prices from our data provider, not a live tick.

What should I pay attention to with Universal Insurance Holdings Inc right now?

For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly. The price sits in the lower half of our model range, the side with the larger margin of safety. The data supports the verdict: every model runs on fully documented inputs.

Where does the earnings growth of Universal Insurance Holdings Inc (UVE) come from?

Earnings per share at Universal Insurance Holdings Inc grew +3.3 % a year from 2014 to 2025. Broken into its drivers: revenue per share +14.6 %, EBIT margin −12.0 %, tax rate +2.4 %, residual (interest, one-offs) +0.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Universal Insurance Holdings Inc

How large is the market capitalisation of Universal Insurance Holdings Inc (UVE)?

The market capitalisation of Universal Insurance Holdings Inc is $1.3B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.

What is the P/S ratio of Universal Insurance Holdings Inc (UVE)?

The price-to-sales ratio of Universal Insurance Holdings Inc is 0.81 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.

What are the earnings per share of Universal Insurance Holdings Inc (UVE)?

Earnings per share at Universal Insurance Holdings Inc are $7.86 (price ÷ EPS = P/E 5.9). Earnings per share over the last twelve months: total profit spread across every single share.

What is the dividend yield of Universal Insurance Holdings Inc (UVE)?

The dividend yield of Universal Insurance Holdings Inc is 1.4% (payout 8.1%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.

What is the net margin of Universal Insurance Holdings Inc (UVE)?

The net margin of Universal Insurance Holdings Inc is 14.0% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.

What is the return on equity of Universal Insurance Holdings Inc (UVE)?

The return on equity (ROE) of Universal Insurance Holdings Inc is 40.8% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.

What is the EBIT return on assets of Universal Insurance Holdings Inc (UVE)?

On an EBIT basis the return on assets of Universal Insurance Holdings Inc is 3.2% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.

What is the operating margin of Universal Insurance Holdings Inc (UVE)?

The operating margin of Universal Insurance Holdings Inc is 16.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.

How fast is revenue growing at Universal Insurance Holdings Inc (UVE)?

Revenue at Universal Insurance Holdings Inc is growing +9.6% versus a year earlier (3y avg +9.3%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.

How fast are earnings growing at Universal Insurance Holdings Inc (UVE)?

Earnings per share at Universal Insurance Holdings Inc are growing +30.4% versus a year earlier. How much earnings per share grew versus a year earlier.

How much free cash flow does Universal Insurance Holdings Inc (UVE) generate?

The free cash flow of Universal Insurance Holdings Inc is $377M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.

How much net cash does Universal Insurance Holdings Inc (UVE) hold?

Universal Insurance Holdings Inc holds more cash than debt, $308M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.

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