NYSE · Insurance - Property & Casualty

UVE (UVE) Stock

$43.71 -0.64% NYSE: UVE Financial Services

Valuation

MetricValue
Price$43.71
Market Cap$1.22B
P/E Ratio5.50
P/B Ratio1.89
P/S Ratio0.65
EPS (TTM)$6.77
52-Week High$44.01
52-Week Low$21.96
Dividend Yield2.07%

Financials & Margins

MetricValue
ROE38.88%
ROA6.06%
ROCE44.10%
Gross Margin31.88%
Operating Margin16.22%
Net Margin12.25%
Debt/Equity0.17
Current Ratio0.58

Annual Financials (USD)

Metric20212022202320242025
Revenue$1.1B$1.2B$1.4B$1.5B$1.6B
Operating Profit$28.0M$-27.0M$88.0M$85.0M$243.0M
Net Profit$20.0M$-22.0M$67.0M$59.0M$183.0M
EPS$0.65$-0.72$2.22$2.01$6.32
Op Margin2.5%-2.2%6.3%5.6%15.2%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$2.1B$2.9B$2.3B$2.8B$2.8B
Total Liabilities$1.6B$2.6B$2.0B$2.5B$2.3B
Cash$251.0M$389.0M$397.0M$259.0M$409.0M
Borrowings$130.0M$103.0M$117.0M$101.0M$100.0M

Latest News

Universal Declares Regular Cash Dividend Business Wire · Jul 8, 2026 UVE Stock Outperforms Industry, Trades Near 52-Week High: Time to Exit? Zacks · Jul 2, 2026 HCI Group (HCI) Surges 4.2%: Is This an Indication of Further Gains? Zacks · Jun 29, 2026 KBRA Assigns Rating to Senior Unsecured Notes Issued by Universal Insurance Holdings, Inc. Business Wire · Jun 22, 2026 Is Universal Insurance Holdings (UVE) Stock Undervalued Right Now? Zacks · Jun 17, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$234.0M$325.0M$71.0M$137.0M$381.0M
Investing Cash Flow$-237.0M$-154.0M$-19.0M$-235.0M$-118.0M
Financing Cash Flow$-6.0M$-12.0M$-22.0M$-23.0M$-28.0M
Net Cash Flow$73.0M$138.0M$9.0M$-138.0M$216.0M
Free Cash Flow$227.0M$320.0M$67.0M$130.0M$377.0M

Valuation & Return Ratios

MetricValue
PEG Ratio2.62
EV / EBITDA2.07
FCF Yield33.20%
Quick Ratio0.56
Interest Coverage48.60
Return 1Y51.64%
Return 3Y165.58%
Return 5Y275.60%

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
ASIC $25.35 +1.32% 10.81 $1.22B 0.00%
BHF $63.63 +0.74% 10.79 $3.65B 0.00%
BHRB $74.12 -0.70% 8.60 $1.49B 3.32%
BOW $33.45 -1.24% 17.02 $1.10B 0.00%
DGICA $19.24 -1.48% 9.83 $708.91M 4.22%

About UVE

UVE is led by CEO Stephen Joseph Donaghy, employs 1,068 people, headquartered in US, publicly traded since 2003.

UVE stock trades at $43.71 with a market capitalization of $1.22B. The stock is valued at a price-to-earnings (P/E) ratio of 5.50, price-to-book of 1.89, price-to-sales of 0.65. Over the past 52 weeks the stock has ranged between $21.96 and $44.01, and currently trades at its 52-week high. It pays a dividend yielding 2.07%.

On profitability, UVE generates a return on equity (ROE) of 38.88% — well above the market average, a sign of a high-quality business, return on capital employed of 44.10%, an operating margin of 16.22%, a net profit margin of 12.25%.

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