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Universal Insurance(NYSE) UVE

Current Price$41.71
Market Cap$1.16BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1992)+548%
5 Year+291%
1 Year+72%
1 Month+2%
Universal Insurance last closing stock price
MetricPriceDate
Last closeUSD 41.612026-07-24
Universal Insurance stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+6.94%USD 38.912026-07-17
1 month+2.21%USD 40.712026-06-24
3 month+5.81%USD 39.322026-04-24
Year to date+24.16%USD 33.512025-12-31
1 year+72.13%USD 24.172025-07-24
3 year+194.22%USD 14.142023-07-25
5 year+291.03%USD 10.642021-07-23
Since inception+548.18%USD 5.811992-12-16

Universal Insurance Financials at a Glance

Market Cap

$1.16BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$1.63B

Net Income (TTM)

$219.89M

EPS (TTM)

$7.59

P/E Ratio

5.48

Dividend

$0.64

Beta (Volatility)

0.54 (Low)

Price

$41.71

Volume

16,163

Open

$39.80

Previous Close

$41.71

Daily Range

$39.50 - $42.11

52-Week Range

$21.87 - $43.96

Estimated Earnings Date

Oct 22, 2026

UVE News

SellAlert-Blue.png

What Investors Should Know About This Universal Insurance Holdings Insider Sale

Pamela KockMay 6, 2026
Person gazing at a laptop located on a desk already supporting two PC monitors

Why Universal Insurance Holdings Stock Got Socked Today

Eric VolkmanApr 26, 2024
Couple-signing-insurance-documents

Why Universal Insurance Holdings Stock Popped Today

Steve SymingtonMar 12, 2024
Finger about to press a green dollar sign key on a PC keyboard

Why Universal Insurance Holdings Stock Soared by 22% on Friday

Eric VolkmanFeb 23, 2024
Getty-stock-market-data2

What Happened in the Stock Market Today

Steve SymingtonSep 11, 2017
hurricane_shoreline

Why Universal Insurance Holdings Stock Is Jumping Today

Jordan WathenSep 11, 2017
MNK history

Why Mallinckrodt, Universal Insurance Holdings, and Cellectis Slumped Today

Dan CaplingerSep 5, 2017
Universial Insurance Holdings Inc Hurricane Matthew

Why Shares of Universal Insurance Holdings, Inc. Are Rising Today

Jordan WathenOct 7, 2016
Page 1

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About Universal Insurance

Universal helps people protect their homes and belongings. It sells insurance for houses, apartments, and rental properties. The company serves homeowners in Florida and 18 other states.

What’s on the Menu?

  • Personal Residential Insurance: Coverage for homeowners, renters, condo owners, and dwelling fires; protects properties and personal items from damage.
  • Allied Lines: Additional protection for personal property, liability, and structures like fences or sheds.
  • Clovered: Digital platform that lets consumers compare insurance quotes and access educational tools about coverage.
  • Universal Direct: Online tool for customers to buy, pay for, and bind policies directly without an agent.

Strategic Moves and Expansion

  • Implemented statewide average rate decreases for homeowners’ programs in Florida during 2024 and 2025.
  • Authorized a $20 million share repurchase program in January 2026 to buy back common stock.
  • Entered a $50 million unsecured revolving credit line with JP Morgan Chase Bank, N.A. in May 2025.
  • Used a captive reinsurance arrangement with Mangrove Risk Solutions Bermuda Ltd. to manage financial risks from major storms.

The Integrated Advantage

Universal manages every part of the insurance process, from selling policies to handling claim repairs. This internal control helps the company manage the costs of settling insurance claims and improves service speed.

Key Financial Data

  • Net income reached $54.3 million in Q1 2026, up 31.0% from Q1 2025.
  • Operating income hit $71.7 million in Q1 2026, up 29.3% from Q1 2025.
  • Gross profit reached $163.4 million in Q1 2026, up 95.1% from Q1 2025.
  • Market capitalization rose to $951.4 million in Q1 2026, up 42.9% from Q1 2025.
  • The company reported $595.8 million in cash and cash equivalents at the end of Q1 2026.

Bottom Line

Universal has evolved from a Florida-focused firm into a multi-state insurer with a fully integrated claims and distribution model. Its shift toward direct-to-consumer digital platforms and controlled underwriting supports its operational stability.

AI Generated • May 1, 2026

Industry

Insurance

Sector

Financials

Employees

929

CEO

Stephen J. Donaghy

Website

www.universalinsuranceholdings.com

Headquarters

Fort Lauderdale, FL 33309, US

UVE Financials

Key Financial Metrics (TTM)

Gross Margin

16.49%

Operating Margin

18.19%

Net Income Margin

13.51%

Return on Equity

38.78%

Return on Capital

37.31%

Return on Assets

6.65%

Earnings Yield

18.25%

Dividend Yield

1.54%

Payout Ratio

10.11%

Stock Overview

Market Cap

$1.16BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

27.91M

Volume

16.16K

Avg. Volume

216.19K

Financials (TTM)

Gross Profit

$268.35M

Operating Income

$296.12M

EBITDA

$307.81M

Operating Cash Flow

$349.55M

Capital Expenditure

-$4.79M

Free Cash Flow

$344.76M

Cash & ST Invst.

$600.80M

Total Debt

$0.00

Universal Insurance Performance Analysis

Universal Insurance annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 1,222,658,0009.0%
20232023-12-31USD 1,391,582,00013.8%
20242024-12-31USD 1,520,536,0009.3%
20252025-12-31USD 1,603,915,0005.5%
Universal Insurance sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-300.2%
Q42025-12-311.2%
Q12026-03-31-3.6%
Q22026-06-309.6%
Universal Insurance annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD -0.72N/A
20232023-12-31USD 2.22N/A
20242024-12-31USD 2.01-9.2%
20252025-12-31USD 6.32213.9%
Universal Insurance sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-3014.0%
Q42025-12-3167.4%
Q12026-03-31-18.6%
Q22026-06-30-200.0%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$429.09M

+7.2%

Gross Profit

-$163.41M

-309.6%

Gross Margin

-38.08%

N/A

Market Cap

$1.16BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.25M

N/A

Employees

929

N/A

Net Income

$59.19M

+68.7%

EBITDA

$83.21M

+74.0%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$600.80M

+6.6%

Total Debt

$0.00

-100.0%

Accounts Receivable

$85.54M

-82.0%

Inventory

$0.00

N/A

Long Term Debt

$0.00

-100.0%

Short Term Debt

$0.00

N/A

Return on Assets

6.65%

N/A

Return on Invested Capital

9.00%

N/A

Free Cash Flow

$153.24M

-17.4%

Operating Cash Flow

$154.82M

-17.1%

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Questions About UVE

What is the current price of Universal Insurance?

Universal Insurance is trading at $41.71 per share.

What is the 52-week range for Universal Insurance?

Over the past 52 weeks, Universal Insurance has traded between $21.87 and $43.96.

How much debt does Universal Insurance have?

As of the most recent reporting period, Universal Insurance reported total debt of $97.85M.

How much cash does Universal Insurance have on hand?

Universal Insurance reported $600.80M in cash and cash equivalents in its most recent financial results.

What is Universal Insurance’s dividend yield?

Universal Insurance currently has a dividend yield of 1.54%.

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