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Universal Insurance (UVE)

Market Price (5/7/2026): $40.325 | Market Cap: $1.1 Bil
Sector: Financials | Industry: Property & Casualty Insurance

Universal Insurance (UVE)

Market Price (5/7/2026): $40.325
Market Cap: $1.1 Bil
Sector: Financials
Industry: Property & Casualty Insurance

Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

0

Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 20%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 15%, FCF Yield is 31%

Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -57%

Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 22%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 22%

Low stock price volatility
Vol 12M is 37%

Megatrend and thematic drivers
Megatrends include Climate Resilience & Risk Management. Themes include Catastrophe Risk Modeling, Climate-Adjusted Underwriting, and Property Hardening & Mitigation.

Trading close to highs
Dist 52W High is -2.3%, Dist 3Y High is -2.3%

Weak revenue growth
Rev Chg QQuarterly Revenue Change % is -0.3%

Key risks
UVE key risks include [1] significant exposure to catastrophic losses due to its heavy geographic concentration in the hurricane-prone Florida market and [2] volatile reinsurance costs required to manage this exposure.

0 Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 20%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 15%, FCF Yield is 31%
1 Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -57%
2 Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 22%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 22%
3 Low stock price volatility
Vol 12M is 37%
4 Megatrend and thematic drivers
Megatrends include Climate Resilience & Risk Management. Themes include Catastrophe Risk Modeling, Climate-Adjusted Underwriting, and Property Hardening & Mitigation.
5 Trading close to highs
Dist 52W High is -2.3%, Dist 3Y High is -2.3%
6 Weak revenue growth
Rev Chg QQuarterly Revenue Change % is -0.3%
7 Key risks
UVE key risks include [1] significant exposure to catastrophic losses due to its heavy geographic concentration in the hurricane-prone Florida market and [2] volatile reinsurance costs required to manage this exposure.

Valuation, Metrics & Events

Price Chart

Why The Stock Moved

Qualitative Assessment

AI Analysis | Feedback

Universal Insurance (UVE) stock has gained about 35% since 1/31/2026 because of the following key factors:

1. Exceptional Q4 2025 and Q1 2026 Earnings Performance.

Universal Insurance significantly surpassed analyst expectations in both its fourth quarter 2025 and first quarter 2026 earnings reports. For Q4 2025, reported adjusted diluted earnings per share (EPS) of $2.17 handily beat estimates of $1.31 by 66%. This positive news, announced on February 24, 2026, led to a 7.18% surge in the stock price during premarket trading. The company continued this trend in Q1 2026, reporting EPS of $2.00 on April 23, 2026, which exceeded analyst estimates of $1.40 by $0.60. This strong earnings beat prompted a 9.47% rise in premarket trading.

2. Significant Improvement in Underwriting Profitability.

The company demonstrated a dramatic improvement in its underwriting performance, a key driver for an insurer. The net combined ratio for Q4 2025 improved by 20.4 percentage points to 87.5% from 107.9% in the prior year quarter, largely due to a 21.0-point drop in the net loss ratio to 61.3%. This positive trend extended into Q1 2026, with the net combined ratio further improving to 89.7% from 95.0% a year earlier, driven by a 6.6-point reduction in the net loss ratio.

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Stock Movement Drivers

Fundamental Drivers

The 33.0% change in UVE stock from 1/31/2026 to 5/6/2026 was primarily driven by a 57.8% change in the company's Net Income Margin (%).
(LTM values as of)13120265062026Change
Stock Price ($)30.3140.3233.0%
Change Contribution By: 
Total Revenues ($ Mil)1,5811,6031.4%
Net Income Margin (%)7.7%12.2%57.8%
P/E Multiple6.95.7-17.5%
Shares Outstanding (Mil)28280.7%
Cumulative Contribution33.0%

LTM = Last Twelve Months as of date shown

Market Drivers

1/31/2026 to 5/6/2026
ReturnCorrelation
UVE33.0% 
Market (SPY)3.6%13.0%
Sector (XLF)-2.5%18.4%

Fundamental Drivers

The 32.6% change in UVE stock from 10/31/2025 to 5/6/2026 was primarily driven by a 57.8% change in the company's Net Income Margin (%).
(LTM values as of)103120255062026Change
Stock Price ($)30.4040.3232.6%
Change Contribution By: 
Total Revenues ($ Mil)1,5811,6031.4%
Net Income Margin (%)7.7%12.2%57.8%
P/E Multiple6.95.7-17.7%
Shares Outstanding (Mil)28280.7%
Cumulative Contribution32.6%

LTM = Last Twelve Months as of date shown

Market Drivers

10/31/2025 to 5/6/2026
ReturnCorrelation
UVE32.6% 
Market (SPY)5.5%11.1%
Sector (XLF)-0.2%18.8%

Fundamental Drivers

The 70.8% change in UVE stock from 4/30/2025 to 5/6/2026 was primarily driven by a 183.4% change in the company's Net Income Margin (%).
(LTM values as of)43020255062026Change
Stock Price ($)23.6040.3270.8%
Change Contribution By: 
Total Revenues ($ Mil)1,5471,6033.6%
Net Income Margin (%)4.3%12.2%183.4%
P/E Multiple9.95.7-42.7%
Shares Outstanding (Mil)28281.6%
Cumulative Contribution70.8%

LTM = Last Twelve Months as of date shown

Market Drivers

4/30/2025 to 5/6/2026
ReturnCorrelation
UVE70.8% 
Market (SPY)30.4%16.7%
Sector (XLF)8.0%30.2%

Fundamental Drivers

The 191.8% change in UVE stock from 4/30/2023 to 5/6/2026 was primarily driven by a 102.3% change in the company's P/S Multiple.
(LTM values as of)43020235062026Change
Stock Price ($)13.8240.32191.8%
Change Contribution By: 
Total Revenues ($ Mil)1,2231,60331.1%
P/S Multiple0.30.7102.3%
Shares Outstanding (Mil)302810.1%
Cumulative Contribution191.8%

LTM = Last Twelve Months as of date shown

Market Drivers

4/30/2023 to 5/6/2026
ReturnCorrelation
UVE191.8% 
Market (SPY)78.7%21.4%
Sector (XLF)64.0%33.7%

Return vs. Risk

Price Returns Compared

 202120222023202420252026Total [1]
Returns
UVE Return18%-34%58%37%65%18%233%
Peers Return1%-34%232%45%54%-5%367%
S&P 500 Return27%-19%24%23%16%6%93%

Monthly Win Rates [3]
UVE Win Rate58%50%58%67%83%60% 
Peers Win Rate50%40%70%55%58%32% 
S&P 500 Win Rate75%42%67%75%67%60% 

Max Drawdowns [4]
UVE Max Drawdown-14%-48%-3%-0%-10%-15% 
Peers Max Drawdown-23%-48%-8%-7%-12%-15% 
S&P 500 Max Drawdown-1%-25%-1%-2%-15%-7% 

[1] Cumulative total returns since the beginning of 2021
[2] Peers: HCI, HRTG, ACIC, DGICA, UFCS.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 5/6/2026 (YTD)

How Low Can It Go

EventUVES&P 500
Summer-Fall 2023 Five Percent Yield Shock
  % Loss-22.5%-9.5%
  % Gain to Breakeven29.0%10.5%
  Time to Breakeven55 days24 days
2022 Inflation Shock & Fed Tightening
  % Loss-47.7%-24.5%
  % Gain to Breakeven91.3%32.4%
  Time to Breakeven143 days427 days
2020 COVID-19 Crash
  % Loss-35.0%-33.7%
  % Gain to Breakeven53.7%50.9%
  Time to Breakeven1435 days140 days
Q4 2018 Fed Policy Error / Growth Scare
  % Loss-24.5%-19.2%
  % Gain to Breakeven32.5%23.7%
  Time to Breakeven2625 days105 days
2016-2017 Trump Reflation Bond Selloff
  % Loss-23.2%-3.7%
  % Gain to Breakeven30.2%3.9%
  Time to Breakeven15 days6 days
2015-2016 China Devaluation / Global Growth Scare
  % Loss-43.4%-12.2%
  % Gain to Breakeven76.7%13.9%
  Time to Breakeven313 days62 days

Compare to HCI, HRTG, ACIC, DGICA, UFCS

In The Past

Universal Insurance's stock fell -4.0% during the 2025 US Tariff Shock. Such a loss loss requires a 4.2% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

EventUVES&P 500
Summer-Fall 2023 Five Percent Yield Shock
  % Loss-22.5%-9.5%
  % Gain to Breakeven29.0%10.5%
  Time to Breakeven55 days24 days
2022 Inflation Shock & Fed Tightening
  % Loss-47.7%-24.5%
  % Gain to Breakeven91.3%32.4%
  Time to Breakeven143 days427 days
2020 COVID-19 Crash
  % Loss-35.0%-33.7%
  % Gain to Breakeven53.7%50.9%
  Time to Breakeven1435 days140 days
Q4 2018 Fed Policy Error / Growth Scare
  % Loss-24.5%-19.2%
  % Gain to Breakeven32.5%23.7%
  Time to Breakeven2625 days105 days
2016-2017 Trump Reflation Bond Selloff
  % Loss-23.2%-3.7%
  % Gain to Breakeven30.2%3.9%
  Time to Breakeven15 days6 days
2015-2016 China Devaluation / Global Growth Scare
  % Loss-43.4%-12.2%
  % Gain to Breakeven76.7%13.9%
  Time to Breakeven313 days62 days
2011 US Debt Ceiling Crisis & European Contagion
  % Loss-21.7%-17.9%
  % Gain to Breakeven27.7%21.8%
  Time to Breakeven470 days123 days
2010 Eurozone Sovereign Debt Crisis / Flash Crash
  % Loss-20.9%-15.4%
  % Gain to Breakeven26.4%18.2%
  Time to Breakeven103 days125 days
2008-2009 Global Financial Crisis
  % Loss-74.2%-53.4%
  % Gain to Breakeven287.0%114.4%
  Time to Breakeven390 days1085 days
Summer 2007 Credit Crunch
  % Loss-21.1%-8.6%
  % Gain to Breakeven26.7%9.5%
  Time to Breakeven43 days47 days

Compare to HCI, HRTG, ACIC, DGICA, UFCS

In The Past

Universal Insurance's stock fell -4.0% during the 2025 US Tariff Shock. Such a loss loss requires a 4.2% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

About Universal Insurance (UVE)

Universal Insurance Holdings, Inc., together with its subsidiaries, operates as an integrated insurance holding company in the United States. The company develops, markets, and underwrites insurance products for personal residential insurance, such as homeowners, renters/tenants, condo unit owners, and dwelling/fire; and offers 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; places and manages reinsurance programs for the insurance entities; and operates Clovered.com, an online platform in which consumers receive side-by-side quotes from various carriers across multiple states, as well as educational materials about homeowners' insurance policies. It offers its products through a network of independent agents, as well as Universal Direct, a direct-to-consumer online platform, which enables homeowners to directly purchase, pay for, and bind homeowners' policies. 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.

AI Analysis | Feedback

A State Farm or Allstate specialized in residential insurance.

Imagine Progressive for home insurance, but also owning an online comparison site similar to Kayak.com for insurance policies.

AI Analysis | Feedback

  • Personal Residential Insurance Products: Underwrites and markets various insurance policies for personal homes, including homeowners, renters/tenants, condo unit owners, and dwelling/fire, along with allied coverages like personal property and liability.
  • Insurance Management Services: Provides a range of services supporting insurance operations, such as actuarial advising, claims administration, policy underwriting, and assistance with reinsurance negotiations.
  • Reinsurance Placement and Management: Places and manages reinsurance programs specifically for insurance entities.
  • Clovered.com Online Platform: Operates a digital platform offering consumers comparative insurance quotes from multiple carriers and educational resources on homeowners' insurance.

AI Analysis | Feedback

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Universal Insurance Holdings, Inc. (UVE) primarily sells its insurance products to individuals. Based on the company description, its major customer categories include:

  • Homeowners (including those seeking dwelling/fire policies)
  • Renters/Tenants
  • Condo Unit Owners
```

AI Analysis | Feedback

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AI Analysis | Feedback

Universal Insurance Holdings, Inc. (UVE) Management Team:

Stephen J. Donaghy, Chief Executive Officer and Director

Mr. Donaghy has served as the Chief Executive Officer of Universal Insurance Holdings, Inc. since July 2019. Prior to this role, he held several key senior leadership positions within the company, including Chief Operating Officer (March 2016 to July 2019), Chief Marketing Officer (starting January 2015), Chief Administrative Officer (2013 to June 2015), Chief Information Officer (2009 to 2013), and Executive Vice President (2006 to 2009). Before joining Universal Insurance Holdings, Mr. Donaghy held various executive positions at JM Family Enterprises, a private company, where his roles included Vice President of Strategic Initiatives, Vice President of Sales and Marketing, and Senior Information Officer.

Frank C. Wilcox, Chief Financial Officer

Mr. Wilcox became the Chief Financial Officer and Principal Accounting Officer of Universal Insurance Holdings, Inc. and its wholly-owned insurance subsidiaries in 2013. Before becoming CFO, he served as the company's Vice President of Finance starting in 2011. From 2006 to 2011, Mr. Wilcox was the Director of Consolidation and SEC Reporting at Burger King Corporation. Prior to that, from 2000 to 2006, he held the position of Senior Vice President, Controller at BankUnited. Earlier in his career, he worked in various capacities within the financial services industry, including a role as an auditor at a large public accounting firm. He has been a licensed Certified Public Accountant in New York since 1996.

Kimberly D. Campos, Director, Chief Administrative Officer and Chief Information Officer

Ms. Campos joined Universal Insurance Holdings, Inc. in 2007. She was appointed Chief Administrative Officer in June 2015 and Chief Information Officer in February 2015. Before assuming these executive roles, Ms. Campos spent eight years within the company's IT department, where she served as both an IT Manager and later as an IT Audit Director. Prior to joining Universal, Ms. Campos supervised audit and assurance engagements for Fortune 500 clients in the financial services industry, both domestically and internationally, as part of the systems and process assurance practice at PricewaterhouseCoopers (PwC). She has been licensed as a Certified Information Security Auditor (CISA) and Certified in Risk and Information Security Controls (CRISC) since December 2007.

Sean P. Downes, Executive Chairman

Mr. Downes transitioned to the role of Executive Chairman of the Board for Universal Insurance Holdings, Inc. on July 15, 2019. This appointment followed 20 years as an executive with the company, including six years as its Chairman and Chief Executive Officer.

Gary L. Ropiecki, Secretary and Principal Accounting Officer

Mr. Ropiecki was promoted to Principal Accounting Officer in March 2022 and also serves as the company's Secretary. Previously, he held the position of Senior Vice President and Corporate Controller at Universal. Mr. Ropiecki began his career at Deloitte and has since held roles at Hannover Re, Torus Insurance, KPMG, and E&Y. He is a graduate of New York University and is a licensed CPA and CGMA.

AI Analysis | Feedback

The key risks to Universal Insurance Holdings, Inc. (UVE) are primarily concentrated around its significant exposure to the Florida property insurance market.

  1. Catastrophe Risk and Reinsurance Costs: Universal Insurance Holdings faces substantial exposure to hurricanes and severe weather events, particularly given that 72.6% of its 2025 direct premiums written originated in Florida. Florida's susceptibility to such catastrophes can lead to significant losses for the company. To mitigate this concentrated risk, UVE relies heavily on reinsurance, which, while crucial, constitutes a substantial expense, projected at approximately 33.0% of the estimated direct earned premium for the 2024-2025 treaty period. The hardening of the reinsurance market could further increase these costs or reduce the availability of coverage, thereby impacting profitability and financial stability.
  2. Florida's Litigious Environment and Fraud: The company operates within Florida's historically litigious environment, which is characterized by a disproportionately high number of property insurance lawsuits and prevalent fraud schemes, particularly related to roof repairs. These factors contribute significantly to increased legal costs for insurers and ultimately drive up premiums for homeowners. Despite legislative reforms aimed at addressing these issues, the challenges persist.
  3. Market Competition and Regulatory Landscape: Universal Insurance Holdings operates in a highly competitive Florida insurance market. The entry of new insurers, alongside competition from national carriers and the state-backed Citizens Property Insurance Corporation, can exert pressure on UVE's market share and pricing power. Furthermore, regulatory changes within Florida's insurance sector, while intended to stabilize the market, can introduce uncertainties and operational challenges for the company.

AI Analysis | Feedback

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AI Analysis | Feedback

The addressable markets for Universal Insurance (UVE)'s main products and services in the United States are as follows:

  • Homeowners Insurance: The United States homeowners insurance market is projected to be USD 175.60 billion in 2025.
  • Dwelling/Fire Insurance: The U.S. fire insurance market size was USD 27.60 billion in 2024.
  • Renters/Tenants Insurance: null
  • Condo Unit Owners Insurance: null

AI Analysis | Feedback

Universal Insurance (UVE) is expected to drive future revenue growth over the next 2-3 years through several key strategies and market dynamics:

  1. Geographic Diversification and Multi-state Expansion: The company is actively pursuing a strategy to expand its operations beyond its historical concentration in Florida into other states. This aims to diversify its policy base, access new customer segments, and mitigate risks associated with regional catastrophic events. Direct premiums written in states outside Florida have shown significant growth.

  2. Disciplined Underwriting and Favorable Rate Environment: Universal Insurance is benefiting from improved underwriting results, leading to a lower net loss ratio and enhanced profitability. This, coupled with the ability to implement higher rates and adjust for inflation across its multi-state footprint, is contributing to increased net premiums earned.

  3. Stabilization of the Florida Insurance Market: Legislative reforms in Florida have led to a stabilization of the state's insurance market. This improved environment is enhancing Universal Insurance's competitive position and strengthening its reserves, creating a more favorable and predictable operating landscape for growth in its core market.

AI Analysis | Feedback

Share Repurchases

  • Universal Insurance Holdings' Board of Directors authorized a new share repurchase program on January 7, 2026, allowing the company to buy back up to $20 million of its outstanding common stock through January 8, 2028.
  • In the fourth quarter of 2025, the company repurchased approximately 210,000 shares at a cost of $6.9 million.
  • The company completed a $19.8 million share repurchase under its 2025 program.

Inbound Investments

  • American Century Companies Inc. increased its stake in Universal Insurance by 11.3% in Q3, holding 843,059 shares valued at approximately $22.17 million.
  • As of March 2026, 66.61% of Universal Insurance Holdings' stock is owned by hedge funds and other institutional investors.

Capital Expenditures

  • Capital expenditures for Universal Insurance Holdings were -$4.44 million in the last 12 months (prior to March 2026).
  • Annual capital expenditures were $4.40 million in 2025, $7.26 million in 2024, $3.98 million in 2023, $4.80 million in 2022, and $7.06 million in 2021.

Latest Trefis Analyses

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Trade Ideas

Select ideas related to UVE.

Unique KeyDateTickerCompanyCategoryTrade Strategy6M Fwd Rtn12M Fwd Rtn12M Max DD
EEFT_4302026_Dip_Buyer_ValueBuy04302026EEFTEuronet WorldwideDip BuyDB | P/E OPMDip Buy with Low PE and High Margin
Buying dips for companies with tame PE and meaningfully high operating margin		0.0%0.0%0.0%
HOMB_4242026_Insider_Buying_GTE_1Mil_EBITp+DE_V204242026HOMBHome BancSharesInsiderInsider Buys | Low D/EStrong Insider Buying
Companies with strong insider buying in the last 1 month, positive operating income and reasonable debt / market cap		1.5%1.5%0.0%
HBAN_3312026_Insider_Buying_45D_2Buy_200K03312026HBANHuntington BancsharesInsiderInsider Buys 45DStrong Insider Buying
Companies with multiple insider buys in the last 45 days		7.1%7.1%0.0%
NP_3312026_Insider_Buying_45D_2Buy_200K03312026NPNeptune InsuranceInsiderInsider Buys 45DStrong Insider Buying
Companies with multiple insider buys in the last 45 days		3.9%3.9%0.0%
JKHY_3272026_Monopoly_xInd_xCD_Getting_Cheaper03272026JKHYJack Henry & AssociatesMonopolyMY | Getting CheaperMonopoly-Like with P/S Decline
Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple		0.3%0.3%-4.0%
UVE_10312018_Quality_Momentum_RoomToRun_10%10312018UVEUniversal InsuranceQualityQ | Momentum | UpsideQuality Stocks with Momentum and Upside
Buying quality stocks with strong momentum but still having room to run		-27.8%-33.9%-41.3%

Recent Active Movers

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Research & Analysis

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Wealth Management

Peer Comparisons

Peers to compare with:

Financials

UVEHCIHRTGACICDGICAUFCSMedian
NameUniversa.HCI Heritage.American.Donegal United F. 
Mkt Price40.32153.9128.7210.4416.5843.0134.52
Mkt Cap1.11.90.90.50.61.11.0
Rev LTM1,6039027943359781,388940
Op Inc LTM-------
FCF LTM3454411747170263219
FCF 3Y Avg2593301055955251178
CFO LTM3504441827170270226
CFO 3Y Avg2653361136055261187

Growth & Margins

UVEHCIHRTGACICDGICAUFCSMedian
NameUniversa.HCI Heritage.American.Donegal United F. 
Rev Chg LTM3.6%20.3%1.9%13.0%-1.1%10.9%7.2%
Rev Chg 3Y Avg8.7%22.8%6.4%15.0%5.0%12.0%10.3%
Rev Chg Q-0.3%52.6%-11.0%9.0%-3.9%10.4%4.3%
QoQ Delta Rev Chg LTM-0.1%10.4%-2.2%2.2%-1.0%2.5%1.0%
Op Inc Chg LTM-------
Op Inc Chg 3Y Avg-------
Op Mgn LTM-------
Op Mgn 3Y Avg-------
QoQ Delta Op Mgn LTM-------
CFO/Rev LTM21.8%49.3%23.0%21.2%7.2%19.4%21.5%
CFO/Rev 3Y Avg17.2%45.2%14.9%17.5%5.7%20.8%17.3%
FCF/Rev LTM21.5%48.9%21.9%21.2%7.2%19.0%21.3%
FCF/Rev 3Y Avg16.8%44.3%13.7%17.4%5.7%20.0%17.1%

Valuation

UVEHCIHRTGACICDGICAUFCSMedian
NameUniversa.HCI Heritage.American.Donegal United F. 
Mkt Cap1.11.90.90.50.61.11.0
P/S0.72.11.11.50.60.81.0
P/Op Inc-------
P/EBIT4.24.43.33.36.06.94.3
P/E5.76.44.54.87.59.36.1
P/CFO3.24.34.97.28.44.14.6
Total Yield19.6%16.5%22.0%21.0%17.7%12.3%18.7%
Dividend Yield2.0%1.0%0.0%0.0%4.3%1.5%1.2%
FCF Yield 3Y Avg35.2%25.3%25.0%5.6%9.6%35.2%25.1%
D/E0.10.00.10.30.10.10.1
Net D/E-0.6-0.6-0.6-0.3-0.8-1.0-0.6

Returns

UVEHCIHRTGACICDGICAUFCSMedian
NameUniversa.HCI Heritage.American.Donegal United F. 
1M Rtn19.6%-0.0%7.8%-6.0%-2.7%14.4%3.9%
3M Rtn29.7%-1.2%8.2%-6.6%-11.4%17.4%3.5%
6M Rtn24.8%-24.0%16.0%-10.5%-12.1%22.5%2.8%
12M Rtn61.4%5.6%44.8%-4.1%-12.8%53.5%25.2%
3Y Rtn188.8%224.8%663.8%151.7%30.9%69.3%170.3%
1M Excs Rtn6.8%-11.7%-3.2%-18.6%-13.3%1.3%-7.5%
3M Excs Rtn22.6%-8.3%1.2%-13.6%-18.4%10.4%-3.5%
6M Excs Rtn24.1%-31.0%16.1%-12.9%-15.9%34.8%1.6%
12M Excs Rtn31.1%-25.8%13.3%-35.2%-43.9%24.7%-6.3%
3Y Excs Rtn84.6%142.5%651.0%67.5%-44.3%-4.8%76.1%

Comparison Analyses

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Financials

Segment Financials

Revenue by Segment
$ Mil20252024202320222021
Property and casualty insurer1,5211,3921,2231,1221,073
Total1,5211,3921,2231,1221,073


Price Behavior

Price Behavior
Market Price$40.32 
Market Cap ($ Bil)1.1 
First Trading Date06/06/2003 
Distance from 52W High-2.3% 
   50 Days200 Days
DMA Price$35.36$30.48
DMA Trendupup
Distance from DMA14.0%32.3%
 3M1YR
Volatility42.5%36.6%
Downside Capture-0.020.06
Upside Capture107.8964.07
Correlation (SPY)12.9%16.0%
UVE Betas & Captures as of 4/30/2026

 1M2M3M6M1Y3Y
Beta0.390.490.360.300.490.53
Up Beta-0.64-0.49-0.230.390.590.40
Down Beta2.640.090.580.430.630.56
Up Capture157%132%117%49%55%49%
Bmk +ve Days15223166141428
Stock +ve Days15243967132390
Down Capture271%66%-22%-13%9%71%
Bmk -ve Days4183056108321
Stock -ve Days6182457117356

[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
Annualized
Return		Annualized
Volatility		Sharpe
Ratio		Correlation
with UVE
UVE61.8%36.5%1.38-
Sector ETF (XLF)6.5%14.6%0.2129.1%
Equity (SPY)28.5%12.5%1.7815.9%
Gold (GLD)40.6%27.2%1.23-3.4%
Commodities (DBC)50.9%18.0%2.20-9.8%
Real Estate (VNQ)12.8%13.5%0.6521.1%
Bitcoin (BTCUSD)-14.2%42.1%-0.251.8%

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Based On 5-Year Data
Annualized
Return		Annualized
Volatility		Sharpe
Ratio		Correlation
with UVE
UVE29.5%42.1%0.74-
Sector ETF (XLF)9.1%18.6%0.3731.4%
Equity (SPY)12.7%17.1%0.5822.9%
Gold (GLD)21.0%17.9%0.960.3%
Commodities (DBC)13.9%19.1%0.60-0.3%
Real Estate (VNQ)3.5%18.8%0.0922.5%
Bitcoin (BTCUSD)8.7%56.1%0.377.6%

Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
Annualized
Return		Annualized
Volatility		Sharpe
Ratio		Correlation
with UVE
UVE13.2%41.3%0.44-
Sector ETF (XLF)12.5%22.2%0.5242.5%
Equity (SPY)14.9%17.9%0.7134.8%
Gold (GLD)13.7%16.0%0.71-0.0%
Commodities (DBC)9.5%17.7%0.458.8%
Real Estate (VNQ)5.7%20.7%0.2432.9%
Bitcoin (BTCUSD)68.4%66.9%1.078.0%

Smart multi-asset allocation framework can stack odds in your favor. Learn How

Short Interest

Short Interest: As Of Date4152026
Short Interest: Shares Quantity0.4 Mil
Short Interest: % Change Since 3312026-22.5%
Average Daily Volume0.2 Mil
Days-to-Cover Short Interest2.8 days
Basic Shares Quantity27.7 Mil
Short % of Basic Shares1.6%

Earnings Returns History

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 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
2/24/20262.5%12.8%7.6%
10/23/202511.9%9.7%16.5%
7/24/2025-7.4%-4.6%-0.1%
2/25/20259.3%5.5%11.6%
10/24/2024-4.3%-0.8%13.8%
2/22/202422.4%17.2%15.5%
10/26/2023-2.8%10.6%19.6%
7/27/2023-7.1%-7.4%-19.5%
...
SUMMARY STATS   
# Positive111315
# Negative753
Median Positive7.3%9.5%10.5%
Median Negative-7.1%-6.6%-19.5%
Max Positive22.4%54.0%47.2%
Max Negative-27.3%-25.9%-27.2%

SEC Filings

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Report DateFiling DateFiling
03/31/202604/29/202610-Q
12/31/202502/27/202610-K
09/30/202510/30/202510-Q
06/30/202507/30/202510-Q
03/31/202504/30/202510-Q
12/31/202402/28/202510-K
09/30/202410/30/202410-Q
06/30/202407/30/202410-Q
03/31/202404/30/202410-Q
12/31/202302/28/202410-K
09/30/202310/30/202310-Q
06/30/202307/31/202310-Q
03/31/202305/02/202310-Q
12/31/202202/28/202310-K
09/30/202211/02/202210-Q
06/30/202207/29/202210-Q

Insider Activity

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#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value		Value of
Held Shares		Form
1Campos, Kimberly DCIO & CAODirectSell331202634.1294632,278253,239Form
2Peterson, Richard D The RDP Revocable Trust dated August 11, 2011Sell331202634.102,00068,207215,500Form
3Campos, Kimberly DCIO & CAODirectSell327202633.8487929,745251,160Form
4Downes, Sean PExecutive ChairmanDirectSell327202634.6020,000692,07241,759,209Form
5Campos, Kimberly DCIO & CAODirectSell304202635.381,71060,491262,553Form

Industry Resources

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