UVE
Financial ServicesUniversal Insurance Holdings, Inc. · Insurance - Property & Casualty · $1B
What is Universal Insurance Holdings, Inc.?
Universal Insurance Holdings is a Florida-based integrated insurance holding company focused on personal residential coverage across the United States. It combines underwriting, distribution, claims administration, and reinsurance management under one roof.
Universal Insurance Holdings develops and underwrites personal residential insurance products — including homeowners, renters, condo unit owners, and dwelling/fire policies. Beyond underwriting, it manages reinsurance programs, administers claims, and handles policy operations. The company reaches customers through a broad network of independent agents and its own direct-to-consumer platform, Universal Direct. It also operates Clovered.com, an online marketplace where consumers can compare quotes from multiple carriers and access educational content about homeowners insurance.
Incorporated in 1990 and headquartered in Fort Lauderdale, Florida, the company adopted its current name in January 2001.
- Homeowners, renters, and condo unit owner insurance policies
- Dwelling and fire coverage with allied lines
- Reinsurance placement and program management
- Universal Direct — direct-to-consumer online policy binding
- Clovered.com — multi-carrier quote comparison platform
Is UVE a Good Stock to Buy?
UQS Score rates UVE as Good overall, reflecting a balanced profile with meaningful strengths and one notable area of concern.
The Risk pillar stands out as a clear positive — UVE demonstrates a disciplined approach to managing exposure that compares favorably within the insurance sector. Valuation is rated Attractive, suggesting the market may not be fully pricing in the company's fundamentals. Quality also registers as Good, pointing to a reasonably well-run operation.
The Moat pillar is rated Weak, which is common among regional personal-lines insurers that compete largely on price and agent relationships rather than durable structural advantages.
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Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does UVE pay dividends?
Yes — Universal Insurance Holdings, Inc. pays a dividend.
UVE pays a regular dividend, which is relatively uncommon among small-cap insurers and signals management's confidence in recurring cash generation. For income-oriented investors, this cadence adds a tangible return component alongside any potential price appreciation. The dividend policy reflects the company's integrated operating model, which spans underwriting and fee-based services.
When does UVE report earnings?
Universal Insurance Holdings reports earnings on a quarterly cadence, consistent with US-listed equities.
Results in the personal residential insurance space are heavily influenced by catastrophe loss activity, reinsurance costs, and rate adequacy. UVE's integrated model — combining underwriting with claims and reinsurance oversight — gives it operational levers that pure underwriters lack.
For the most recent quarter's results and guidance commentary, visit Universal Insurance Holdings' investor relations page directly.
UVE Price History
+198.8% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Universal Insurance Holdings, Inc.?
Based on Universal Insurance Holdings, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
UVE Long-term Outlook
UVE's Growth pillar is rated Neutral, suggesting a steady rather than accelerating trajectory. The Strong Risk rating indicates the business is positioned to absorb volatility better than many peers, which matters significantly in Florida's challenging homeowners insurance market. The Attractive Valuation label implies the current price may offer a reasonable entry point relative to fundamentals, though the Weak Moat rating is a reminder that competitive pressures remain a structural headwind.
Growth drivers
- Expansion of the Clovered.com digital platform into additional states
- Rate increases flowing through the personal residential book as market conditions firm
- Growth in the direct-to-consumer channel reducing agent commission drag
Key risks
- Florida's elevated hurricane and weather-related loss exposure
- Reinsurance cost inflation compressing underwriting margins
- Limited competitive differentiation in a price-sensitive personal lines market
UVE vs Peers
UVE operates in a competitive specialty insurance landscape alongside several other carriers and holding companies.
Ategrity focuses on specialty commercial lines, giving it a different risk and customer profile compared to UVE's residential-first model.
Maiden Holdings operates primarily as a reinsurance-focused entity, sitting upstream of the direct underwriting market where UVE competes.
United Fire Group writes both commercial and personal lines across a broader geographic footprint, offering more diversification than UVE's concentrated residential book.
Frequently Asked Questions
What does Universal Insurance Holdings do?
Universal Insurance Holdings develops, markets, and underwrites personal residential insurance — covering homeowners, renters, condo owners, and dwelling/fire risks. It also manages reinsurance programs, administers claims, and operates digital platforms including Clovered.com and Universal Direct to reach consumers and independent agents.
Does UVE pay dividends?
Yes, UVE pays a regular dividend. This is notable for a small-cap insurer and reflects the company's ability to generate recurring cash from its integrated operating model. Investors seeking income alongside potential capital appreciation may find this relevant to their analysis.
When does UVE report earnings?
Universal Insurance Holdings follows a standard quarterly earnings cadence. Specific dates are announced in advance through the company's investor relations page, which is the most reliable source for upcoming report schedules and conference call details.
Is UVE a good stock to buy?
UQS Score rates UVE as Good overall. The Risk pillar is Strong and Valuation is Attractive, which are positive signals. However, the Weak Moat rating reflects limited structural competitive advantages. Whether UVE fits your portfolio depends on your risk tolerance and investment goals — the full pillar breakdown is available to Pro members.
Is UVE overvalued?
UQS Score's Valuation pillar for UVE is rated Attractive, suggesting the stock may be reasonably priced or even undervalued relative to its fundamentals. That said, valuation should always be considered alongside quality and risk factors — all of which are detailed in the full UQS analysis.
How does UVE compare to its competitors?
Compared to peers like United Fire Group and Ategrity Specialty, UVE is more narrowly focused on personal residential lines, particularly in Florida. This concentration creates both opportunity — through deep market expertise — and risk, given the state's elevated catastrophe exposure. The UQS competitor view provides a structured side-by-side quality comparison.
What is UVE's market cap bracket?
UVE is classified as a small-cap company. Small-cap insurers like UVE can offer growth potential and attractive valuations, but they typically carry higher volatility and less analyst coverage than large-cap peers in the financial services sector.
Who founded Universal Insurance Holdings?
Universal Insurance Holdings was incorporated in 1990 and operated under the name Universal Heights, Inc. before adopting its current name in January 2001. Detailed founding history is publicly available through the company's filings and official corporate disclosures.
Is UVE a long-term quality investment?
As a long-term quality indicator, UVE's Good overall UQS Score reflects a mixed but constructive picture. The Strong Risk and Attractive Valuation pillars are encouraging for long-horizon holders, while the Weak Moat suggests the company must continue executing well to sustain its position. Pro members can view the complete pillar trajectory.
What is the main competitive advantage of Universal Insurance Holdings?
UVE's integrated model — combining underwriting, claims administration, reinsurance management, and digital distribution — gives it operational efficiency that standalone underwriters lack. However, the UQS Moat pillar rates this advantage as Weak, indicating it has not yet translated into durable pricing power or switching costs at the sector level.
What sector does UVE belong to?
UVE operates in the Financial Services sector, specifically within the property and casualty insurance segment. It focuses on personal residential lines, which makes it sensitive to weather events, regulatory changes in Florida, and reinsurance market conditions.
Is UVE a growth stock or value stock?
Based on UQS pillar labels, UVE leans toward value characteristics — the Valuation pillar is Attractive while Growth is rated Neutral. This profile may appeal to investors looking for reasonably priced exposure to the residential insurance market rather than high-growth momentum.
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Pro Analysis
UVE — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 12, 2026 | 59.3 | 72.4 | 24.0 | 52.4 | 64.5 | 100.0 | -4.9 |
| Apr 6, 2026 | 64.2 | 70.9 | 24.0 | 52.4 | 100.0 | 100.0 | -0.1 |
| Apr 5, 2026 | 64.3 | 70.9 | 24.0 | 53.0 | 100.0 | 100.0 | +0.1 |
| Apr 2, 2026 | 64.2 | 70.9 | 24.0 | 52.4 | 100.0 | 100.0 | — |
UVE — Pillar Breakdown
Quality
— 72.4/100 (25%)Universal Insurance Holdings, Inc. shows solid profitability with healthy returns on capital and reasonable margins.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 52.4/100 (20%)Universal Insurance Holdings, Inc. shows steady but unspectacular growth, typical for mature companies.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 64.5/100 (15%)Universal Insurance Holdings, Inc. maintains a reasonable risk profile with manageable debt levels.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 100.0/100 (15%)Universal Insurance Holdings, Inc. appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
Enterprise value multiple relative to sector median.
Moat
— 24/100 (25%)Universal Insurance Holdings, Inc. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for UVE.
Score Composition
Financial Data
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How is the UVE UQS Score Calculated?
The UQS (Unified Quality Score) for Universal Insurance Holdings, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Universal Insurance Holdings, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Universal Insurance Holdings, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.