Tearsheet

Universal Insurance (UVE)

Market Price (3/15/2026): $34.28 | Market Cap: $947.7 Mil
Sector: Financials | Industry: Property & Casualty Insurance

Universal Insurance (UVE)

Market Price (3/15/2026): $34.28
Market Cap: $947.7 Mil
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 22%, Dividend Yield is 2.3%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 18%, FCF Yield is 40%
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 -50%
2	Attractive cash flow generation CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 24%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 24%
3	Low stock price volatility Vol 12M is 35%
4	Megatrend and thematic drivers Megatrends include Climate Resilience & Risk Management. Themes include Catastrophe Risk Modeling, Climate-Adjusted Underwriting, and Property Hardening & Mitigation.

0	Attractive yield Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 22%, Dividend Yield is 2.3%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 18%, FCF Yield is 40%
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 -50%
2	Attractive cash flow generation CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 24%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 24%
3	Low stock price volatility Vol 12M is 35%
4	Megatrend and thematic drivers Megatrends include Climate Resilience & Risk Management. Themes include Catastrophe Risk Modeling, Climate-Adjusted Underwriting, and Property Hardening & Mitigation.

Valuation, Metrics & Events

	3/15/26	2025	2024	2023	2022
Share Price CYE	$34.28	$33.80	$21.06	$15.98	$10.59
Market Cap CYE ($ Mil)	947.7	934.5	593.3	464.3	322.3
Total Debt ($ Mil)	100.5	100.5	101.2	102.0	102.8
Total Cash ($ Mil)	408.9	408.9	259.4	397.3	388.7
Enterprise Value ($ Mil)	639.4	1,035.0	694.5	566.3	425.1
Valuation Ratios
P/S TTM	0.6	0.6	0.4	0.3	0.3
P/EBIT TTM	3.8	3.8	6.6	4.9	-15.1
P/E TTM	5.2	5.1	10.1	6.9	-14.5
P/FCF TTM	2.5	2.5	4.6	6.9	1.0
Sector Ratios
P/S TTM (Sector)	3.0	3.1	3.1	2.8	2.8
P/EBIT TTM (Sector)	6.9	7.3	8.4	7.2	7.7
P/E TTM (Sector)	10.8	11.1	11.6	9.8	9.5
P/FCF TTM (Sector)	8.3	8.7	8.7	7.6	6.4

	3/15/26	2025	2024
Share Price CYE	$34.28	$33.80	$21.06
Market Cap CYE ($ Mil)	947.7	934.5	593.3
Total Debt ($ Mil)	100.5	100.5	101.2
Total Cash ($ Mil)	408.9	408.9	259.4
Enterprise Value ($ Mil)	639.4	1,035.0	694.5
Valuation Ratios
P/S TTM	0.6	0.6	0.4
P/EBIT TTM	3.8	3.8	6.6
P/E TTM	5.2	5.1	10.1
P/FCF TTM	2.5	2.5	4.6
Sector Ratios
P/S TTM (Sector)	3.0	3.1	3.1
P/EBIT TTM (Sector)	6.9	7.3	8.4
P/E TTM (Sector)	10.8	11.1	11.6
P/FCF TTM (Sector)	8.3	8.7	8.7

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Metric	Value	Date	Source
Direct Premiums Written	592.8 million	9302025	Link
Net Combined Ratio	96.4%	9302025	Link
Policies in Force	883,888	9302025	Link

Recent
2/24/2026	Earnings Release	Rev: $405 Mil (A) vs. $370 Mil (E) EPS: 2.17 (A) vs. $1.29 (E)
3/06/2026	Dividend	Amount: $0.16 Payment On: 3/13/2026
Upcoming
4/23/2026	Earnings Release	Rev: $369 Mil (E) EPS: $1.47 (E)

Price Chart

Return (1M):

Why The Stock Moved

Qualitative Assessment

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Universal Insurance (UVE) stock has gained about 5% since 11/30/2025 because of the following key factors:

1. Universal Insurance Holdings reported a significant earnings beat for Q4 2025, with adjusted diluted earnings per share (EPS) of $2.17, exceeding the Zacks Consensus Estimate of $1.30 by 66.92%. The company's revenue for the quarter also surpassed expectations, reaching $407.93 million and beating the Zacks Consensus Estimate by 9.37%. This strong financial performance led to a notable stock surge of 7.18% in premarket trading following the announcement.

2. The company demonstrated substantially improved underwriting performance and benefited from a stabilized Florida insurance market. The net combined ratio improved significantly to 87.5% in Q4 2025, down from 107.9% in the prior year quarter, primarily due to a lower net loss ratio of 61.3%. CEO Stephen Donaghy attributed these results to the positive impact of legislative reforms in Florida, which have contributed to market stabilization. The company also reported substantial progress in securing its 2026 reinsurance program.

3. Analysts maintained bullish ratings and increased price targets for UVE during the period. On December 22, 2025, Piper Sandler reiterated an "Overweight" rating with a $40.00 price target. By January 14, 2026, the average one-year price target was revised upwards by 14.29% to $40.80 per share from the previous estimate of $35.70. As of February 25, 2026, the stock held a "Buy" consensus rating with a median price target of $40.00, suggesting a potential upside of 13.7% from its then-current trading price of $35.17.

4. Universal Insurance Holdings announced a new share repurchase authorization, signaling a commitment to returning capital to shareholders. On January 7, 2026, the company authorized a program to repurchase up to $20 million of its outstanding common stock through January 8, 2028. This followed a repurchase of approximately 210,000 shares at an aggregate cost of $6.9 million during the fourth quarter of 2025.

5. The company declared a regular quarterly cash dividend of $0.16 per share on February 4, 2026, payable on March 13, 2026. This dividend represents an annualized payout of $0.64, yielding approximately 2.0%, and is well-supported by the company's earnings with a payout ratio of 21.8%.

Updated on 3/1/2026 Show less

Stock Movement Drivers

3M

6M

1Y

3Y

Fundamental Drivers
The 4.9% change in UVE stock from 11/30/2025 to 3/14/2026 was primarily driven by a 47.3% change in the company's Net Income Margin (%).
(LTM values as of) 11302025 3142026 Change
Stock Price ($) 32.68 34.28 4.9%
Change Contribution By:
Total Revenues ($ Mil) 1,581 1,604 1.5%
Net Income Margin (%) 7.7% 11.4% 47.3%
P/E Multiple 7.4 5.2 -30.4%
Shares Outstanding (Mil) 28 28 0.7%
Cumulative Contribution 4.9%

LTM = Last Twelve Months as of date shown

Market Drivers
11/30/2025 to 3/14/2026
Return Correlation
UVE 4.9%
Market (SPY) -3.1% -0.7%
Sector (XLF) -8.3% 17.6%

Fundamental Drivers
The 42.5% change in UVE stock from 8/31/2025 to 3/14/2026 was primarily driven by a 169.3% change in the company's Net Income Margin (%).
(LTM values as of) 8312025 3142026 Change
Stock Price ($) 24.06 34.28 42.5%
Change Contribution By:
Total Revenues ($ Mil) 1,567 1,604 2.3%
Net Income Margin (%) 4.2% 11.4% 169.3%
P/E Multiple 10.1 5.2 -48.9%
Shares Outstanding (Mil) 28 28 1.2%
Cumulative Contribution 42.5%

LTM = Last Twelve Months as of date shown
Market Drivers
8/31/2025 to 3/14/2026
Return Correlation
UVE 42.5%
Market (SPY) 3.0% 15.2%
Sector (XLF) -9.1% 34.4%

Fundamental Drivers
The 59.9% change in UVE stock from 2/28/2025 to 3/14/2026 was primarily driven by a 194.3% change in the company's Net Income Margin (%).
(LTM values as of) 2282025 3142026 Change
Stock Price ($) 21.44 34.28 59.9%
Change Contribution By:
Total Revenues ($ Mil) 1,521 1,604 5.5%
Net Income Margin (%) 3.9% 11.4% 194.3%
P/E Multiple 10.2 5.2 -49.4%
Shares Outstanding (Mil) 28 28 1.9%
Cumulative Contribution 59.9%

LTM = Last Twelve Months as of date shown
Market Drivers
2/28/2025 to 3/14/2026
Return Correlation
UVE 59.9%
Market (SPY) 12.4% 23.6%
Sector (XLF) -5.3% 38.5%

Fundamental Drivers
The 99.6% change in UVE stock from 2/28/2023 to 3/14/2026 was primarily driven by a 38.2% change in the company's P/S Multiple.
(LTM values as of) 2282023 3142026 Change
Stock Price ($) 17.18 34.28 99.6%
Change Contribution By:
Total Revenues ($ Mil) 1,223 1,604 31.2%
P/S Multiple 0.4 0.6 38.2%
Shares Outstanding (Mil) 30 28 10.1%
Cumulative Contribution 99.6%

LTM = Last Twelve Months as of date shown
Market Drivers
2/28/2023 to 3/14/2026
Return Correlation
UVE 99.6%
Market (SPY) 73.4% 20.9%
Sector (XLF) 43.1% 33.7%

(LTM values as of)	11302025	3142026	Change
Stock Price ($)	32.68	34.28	4.9%
Change Contribution By:
Total Revenues ($ Mil)	1,581	1,604	1.5%
Net Income Margin (%)	7.7%	11.4%	47.3%
P/E Multiple	7.4	5.2	-30.4%
Shares Outstanding (Mil)	28	28	0.7%
Cumulative Contribution			4.9%

	Return	Correlation
UVE	4.9%
Market (SPY)	-3.1%	-0.7%
Sector (XLF)	-8.3%	17.6%

(LTM values as of)	8312025	3142026	Change
Stock Price ($)	24.06	34.28	42.5%
Change Contribution By:
Total Revenues ($ Mil)	1,567	1,604	2.3%
Net Income Margin (%)	4.2%	11.4%	169.3%
P/E Multiple	10.1	5.2	-48.9%
Shares Outstanding (Mil)	28	28	1.2%
Cumulative Contribution			42.5%

	Return	Correlation
UVE	42.5%
Market (SPY)	3.0%	15.2%
Sector (XLF)	-9.1%	34.4%

(LTM values as of)	2282025	3142026	Change
Stock Price ($)	21.44	34.28	59.9%
Change Contribution By:
Total Revenues ($ Mil)	1,521	1,604	5.5%
Net Income Margin (%)	3.9%	11.4%	194.3%
P/E Multiple	10.2	5.2	-49.4%
Shares Outstanding (Mil)	28	28	1.9%
Cumulative Contribution			59.9%

	Return	Correlation
UVE	59.9%
Market (SPY)	12.4%	23.6%
Sector (XLF)	-5.3%	38.5%

(LTM values as of)	2282023	3142026	Change
Stock Price ($)	17.18	34.28	99.6%
Change Contribution By:
Total Revenues ($ Mil)	1,223	1,604	31.2%
P/S Multiple	0.4	0.6	38.2%
Shares Outstanding (Mil)	30	28	10.1%
Cumulative Contribution			99.6%

	Return	Correlation
UVE	99.6%
Market (SPY)	73.4%	20.9%
Sector (XLF)	43.1%	33.7%

Return vs. Risk

Price Returns Compared
2021 2022 2023 2024 2025 2026 Total [1]
Returns
UVE Return 18% -34% 58% 37% 65% 1% 183%
Peers Return 1% -34% 232% 45% 54% -9% 348%
S&P 500 Return 27% -19% 24% 23% 16% -1% 80%

Monthly Win Rates [3]
UVE Win Rate 58% 50% 58% 67% 83% 33%
Peers Win Rate 50% 40% 70% 55% 58% 27%
S&P 500 Win Rate 75% 42% 67% 75% 67% 33%

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

[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 3/13/2026 (YTD)

How Low Can It Go

Unique Key Event UVE S&P 500
2022 Inflation Shock 2022 Inflation Shock
2022 Inflation Shock% Loss % Loss -56.0% -25.4%
2022 Inflation Shock% Gain to Breakeven % Gain to Breakeven 127.1% 34.1%
2022 Inflation ShockTime to Breakeven Time to Breakeven 195 days 464 days
2020 Covid Pandemic 2020 Covid Pandemic
2020 Covid Pandemic% Loss % Loss -60.4% -33.9%
2020 Covid Pandemic% Gain to Breakeven % Gain to Breakeven 152.6% 51.3%
2020 Covid PandemicTime to Breakeven Time to Breakeven 1,678 days 148 days
2018 Correction 2018 Correction
2018 Correction% Loss % Loss -51.5% -19.8%
2018 Correction% Gain to Breakeven % Gain to Breakeven 106.0% 24.7%
2018 CorrectionTime to Breakeven Time to Breakeven Not Fully Recovered days 120 days
2008 Global Financial Crisis 2008 Global Financial Crisis
2008 Global Financial Crisis% Loss % Loss -81.8% -56.8%
2008 Global Financial Crisis% Gain to Breakeven % Gain to Breakeven 450.9% 131.3%
2008 Global Financial CrisisTime to Breakeven Time to Breakeven 1,872 days 1,480 days

Compare to HCI, HRTG, ACIC, DGICA, UFCS

In The Past
Universal Insurance's stock fell -56.0% during the 2022 Inflation Shock from a high on 1/13/2022. A -56.0% loss requires a 127.1% gain to breakeven.

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About Universal Insurance (UVE)

Business Description

Analogies

Products

Customers

Suppliers

Management

Key Risks

Emerging Threats

Market Size

Revenue Drivers

Capital Allocation

Business Description Analogies Products Customers Suppliers Management Key Risks Emerging Threats Market Size Revenue Drivers Capital Allocation

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.

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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

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Interactive Breakdown
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Latest Trefis Analyses

Title Date
0 DASHBOARDS
1 Universal Insurance Stock Pre-Market (-6.1%) : Sharp Drop on No Apparent News Catalyst 01/14/2026
2 Why Universal Insurance Stock Moved: UVE Stock Has Gained 266% Since 2022 Fiscal End, Primarily Due To Favorable Change In Price To Sales Multiple (P/S) 08/08/2025
3 Universal Insurance (UVE) Valuation Ratios Comparison 08/08/2025
4 UVE Dip Buy Analysis 07/10/2025
5 null 05/16/2025
6 Universal Insurance Total Shareholder Return (TSR): 39.1% in 2024 and 17.1% 3-yr compounded annual returns (above peer average) 03/07/2025
7 Universal Insurance (UVE) Operating Cash Flow Comparison 02/17/2025
8 Universal Insurance (UVE) Net Income Comparison 02/16/2025
Title
0 ARTICLES

Trade Ideas
Select ideas related to UVE.
Unique Key Date Ticker Company Category Trade Strategy 6M Fwd Rtn 12M Fwd Rtn 12M Max DD
NDAQ_2282026_Insider_Buying_45D_2Buy_200K 02282026 NDAQ Nasdaq Insider Insider Buys 45DStrong Insider Buying
Companies with multiple insider buys in the last 45 days 0.0% 0.0% 0.0%
JEF_2272026_Dip_Buyer_ValueBuy 02272026 JEF Jefferies Financial Dip Buy DB | 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%
PAYO_2272026_Dip_Buyer_High_CFO_Margins_ExInd_DE 02272026 PAYO Payoneer Global Dip Buy DB | CFO/Rev | Low D/EDip Buy with High Cash Flow Margins
Buying dips for companies with significant cash flows from operations and reasonable debt / market cap 0.0% 0.0% 0.0%
FOUR_2272026_Dip_Buyer_High_FCF_Yield_ExInd_DE_RevG 02272026 FOUR Shift4 Payments Dip Buy DB | FCF Yield | Low D/EDip Buy with High Free Cash Flow Yield
Buying dips for companies with significant free cash flow yield (FCF / Market Cap) and reasonable debt / market cap 0.0% 0.0% 0.0%
COIN_2202026_Dip_Buyer_High_CFO_Margins_ExInd_DE 02202026 COIN Coinbase Global Dip Buy DB | CFO/Rev | Low D/EDip Buy with High Cash Flow Margins
Buying dips for companies with significant cash flows from operations and reasonable debt / market cap 2.6% 2.6% -6.5%
UVE_10312018_Quality_Momentum_RoomToRun_10% 10312018 UVE Universal Insurance Quality Q | 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%

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Financials
UVE HCI HRTG ACIC DGICA UFCS Median
Name Universa. HCI Heritage. American. Donegal United F.
Mkt Price 34.28 167.39 28.23 11.31 16.97 36.87 31.26
Mkt Cap 0.9 2.1 0.9 1.1 0.6 0.9 0.9
Rev LTM 1,604 902 862 328 978 1,388 940
Op Inc LTM - - - - - - -
FCF LTM 377 441 105 120 70 263 192
FCF 3Y Avg 191 330 93 50 55 251 142
CFO LTM 381 444 112 120 70 270 195
CFO 3Y Avg 197 336 102 50 55 261 149

Growth & Margins
UVE HCI HRTG ACIC DGICA UFCS Median
Name Universa. HCI Heritage. American. Donegal United F.
Rev Chg LTM 5.5% 20.3% 6.9% 22.4% -1.1% 10.9% 8.9%
Rev Chg 3Y Avg 9.5% 22.8% 9.6% 187.9% 5.0% 12.0% 10.8%
Rev Chg Q 6.0% 52.6% 0.3% 10.0% -3.9% 10.4% 8.0%
QoQ Delta Rev Chg LTM 1.5% 10.4% 0.1% 2.6% -1.0% 2.5% 2.0%
Op Mgn LTM - - - - - - -
Op Mgn 3Y Avg - - - - - - -
QoQ Delta Op Mgn LTM - - - - - - -
CFO/Rev LTM 23.8% 49.3% 13.0% 36.7% 7.2% 19.4% 21.6%
CFO/Rev 3Y Avg 12.6% 45.2% 12.2% 12.6% 5.7% 20.8% 12.6%
FCF/Rev LTM 23.5% 48.9% 12.1% 36.7% 7.2% 19.0% 21.2%
FCF/Rev 3Y Avg 12.3% 44.3% 11.0% 12.6% 5.7% 20.0% 12.4%

Valuation
UVE HCI HRTG ACIC DGICA UFCS Median
Name Universa. HCI Heritage. American. Donegal United F.
Mkt Cap 0.9 2.1 0.9 1.1 0.6 0.9 0.9
P/S 0.6 2.3 1.0 3.4 0.6 0.7 0.8
P/EBIT 3.8 4.8 4.2 8.7 6.1 5.9 5.3
P/E 5.2 7.0 5.9 12.9 7.6 8.0 7.3
P/CFO 2.5 4.7 7.8 9.1 8.6 3.5 6.2
Total Yield 21.6% 15.2% 17.1% 7.7% 17.3% 14.3% 16.1%
Dividend Yield 2.3% 0.9% 0.0% 0.0% 4.2% 1.7% 1.3%
FCF Yield 3Y Avg 25.6% 25.3% 13.4% -10.4% 9.6% 35.2% 19.4%
D/E 0.1 0.0 0.1 0.1 0.1 0.2 0.1
Net D/E -0.5 -0.6 -0.6 -0.2 -0.8 -1.2 -0.6

Returns
UVE HCI HRTG ACIC DGICA UFCS Median
Name Universa. HCI Heritage. American. Donegal United F.
1M Rtn 7.9% 3.9% 11.6% 2.2% -9.1% -6.4% 3.0%
3M Rtn 4.3% -10.5% -2.9% -5.1% -15.8% 0.8% -4.0%
6M Rtn 36.9% -7.0% 14.8% 9.0% -11.2% 17.6% 11.9%
12M Rtn 61.5% 21.9% 105.8% -2.1% -3.0% 29.2% 25.6%
3Y Rtn 105.4% 220.3% 807.7% 397.5% 34.5% 55.9% 162.9%
1M Excs Rtn 11.1% 4.2% 13.7% 4.6% -6.7% -1.9% 4.4%
3M Excs Rtn 9.9% -2.6% 4.5% -0.2% -13.1% 6.0% 2.1%
6M Excs Rtn 32.6% -10.7% 15.4% 5.9% -15.1% 13.2% 9.5%
12M Excs Rtn 49.2% 0.3% 114.2% -20.3% -21.3% 12.7% 6.5%
3Y Excs Rtn 30.1% 152.2% 585.1% 276.3% -41.3% -24.8% 91.2%

Comparison Analyses
null

FDIC Bank Data

Capital & Deposits
Assets
Loans

Bank Capital
null
Bank Deposits
null

Bank Assets
null

Bank Loans
null

FDA Approved Drugs Data
Expand for Morenull Collapse to Previewnull

Financials

Annual
Quarterly

$ Mil | FY: 12/31 LTM 2025 2024 2023 2022 2021 2020
Period End 12/31/2025 12/31/2025 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020
Filing Date 2/27/2026 2/27/2026 2/28/2025 2/28/2024 2/28/2023 2/28/2022 2/26/2021
Key Financials
Total Revenue 1,604 1,604 1,521 1,392 1,223 1,122 1,073
Net Income 183 183 59 67 -22 20 19
EPS 6.56 6.56 2.07 2.24 -0.72 0.65 0.60
Growth Rates
Total Revenue Growth 5.5% 5.5% 9.3% 13.8% 9.0% 4.6% 14.2%
Net Income Growth 210.5% 210.5% -11.8% 400.2% -209.1% 6.8% -58.9%
Margins
Net Income Margin 11.4% 11.4% 3.9% 4.8% -1.8% 1.8% 1.8%
Cash & Debt
Total Cash 572 572 1,529 1,462 1,403 1,291 987
Total Debt 100 100 101 102 103 104 8
Net Debt / (Cash) -471 -471 -1,427 -1,360 -1,301 -1,187 -979
Cash Flows
Net Cash from Operations 381 381 137 71 325 234 29
Free Cash from Operations 377 377 130 67 320 227 12
Returns to Shareholders
Dividends 22 22 22 23 24 24 25
Share Repurchases 22 22 22 22 12 2 29
$ Mil | FY: 12/31 2025Q4 2025Q3 2025Q2 2025Q1 2024Q4 2024Q3 2024Q2 2024Q1 2023Q4 2023Q3 2023Q2 2023Q1
Period End 12/31/2025 9/30/2025 6/30/2025 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023
Filing Date 2/27/2026 10/30/2025 7/30/2025 4/30/2025 2/28/2025 10/30/2024 7/30/2024 4/30/2024 2/28/2024 10/30/2023 7/31/2023 5/2/2023
Key Financials Quarterly
Total Revenue 408 401 400 395 385 388 380 368 375 360 340 317
Net Income 67 40 35 41 6 -16 35 34 20 -6 29 24
EPS 2.40 1.43 1.25 1.48 0.21 -0.57 1.24 1.17 0.69 -0.20 0.94 0.80
Key Financials TTM
Total Revenue TTM 1,604 1,581 1,567 1,547 1,521 1,511 1,484 1,443 1,392 1,346 1,299 1,252
Net Income TTM 183 122 66 67 59 73 83 76 67 72 6 -16
Growth Rates Quarterly
Total Revenue Growth 6.0% 3.5% 5.2% 7.3% 2.5% 7.6% 12.0% 16.3% 13.7% 15.1% 16.3% 10.1%
Net Income Growth 1006.5% 346.4% -0.9% 23.1% -69.9% -173.3% 24.0% 39.2% -20.4% 91.8% 287.6% 37.8%
Margins Quarterly
Net Income Margin 16.3% 9.9% 8.8% 10.5% 1.6% -4.2% 9.3% 9.1% 5.3% -1.6% 8.4% 7.6%
Cash & Debt
Total Cash 572 572 563 597 1,529 466 396 487 1,462 455 394 1,357
Total Debt 100 101 101 101 101 101 102 102 102 102 102 103
Net Debt / (Cash) -471 -471 -463 -496 -1,427 -364 -294 -385 -1,360 -352 -292 -1,254
Cash Flows Quarterly
FCF from Operations 26 62 106 187 -101 83 73 83 0 69 52 -50
Cash Flows TTM
FCF from Operations TTM 381 254 274 241 137 239 226 204 71 172 100 301
Returns to Shareholders Quarterly
Dividends 8 4 5 5 9 5 5 5 9 5 5 5
Share Repurchases 7 8 7 -0 8 4 5 5 4 12 6 -0
Return on Invested Capital (ROIC) Quarterly
ROIC - - - - - - - - - - - -
Return on Invested Capital (ROIC) TTM
ROIC TTM - - - - - - - - - - - -

Segment Financials
Revenue by Segment
$ Mil 2025 2024 2023 2022 2021
Single Segment 1,392 1,223 1,122 1,073 939
Total 1,392 1,223 1,122 1,073 939

Price Behavior

Behavior Stats
Betas Matrix
Behavior vs Other Asset Classes

Price Behavior
Market Price $34.28
Market Cap ($ Bil) 1.0
First Trading Date 06/06/2003
Distance from 52W High -5.3%
50 Days 200 Days
DMA Price $31.68 $28.67
DMA Trend up indeterminate
Distance from DMA 8.2% 19.6%
3M 1YR
Volatility 37.8% 35.0%
Downside Capture -39.26 6.72
Upside Capture -19.22 55.48
Correlation (SPY) 0.1% 24.5%

UVE Betas & Captures as of 2/28/2026

1M 2M 3M 6M 1Y 3Y
Beta 0.05 -0.19 -0.06 0.51 0.43 0.55
Up Beta 0.70 1.10 1.33 1.36 0.52 0.43
Down Beta 1.13 0.68 0.50 0.75 0.55 0.57
Up Capture 73% -80% -45% 68% 39% 39%
Bmk +ve Days 9 20 31 70 142 431
Stock +ve Days 15 23 33 68 135 386
Down Capture -197% -127% -106% -43% 1% 77%
Bmk -ve Days 12 21 30 54 109 320
Stock -ve Days 6 18 28 56 114 360

[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively

1Y

5Y

10Y

Based On 1-Year Data
Annualized
Return Annualized
Volatility Sharpe
Ratio Correlation
with UVE
UVE 70.6% 35.1% 1.57 -
Sector ETF (XLF) 3.6% 19.3% 0.06 37.8%
Equity (SPY) 19.6% 18.9% 0.81 23.4%
Gold (GLD) 71.9% 26.3% 2.05 -0.5%
Commodities (DBC) 19.3% 17.3% 0.89 -0.3%
Real Estate (VNQ) 6.2% 16.3% 0.19 29.4%
Bitcoin (BTCUSD) -15.3% 44.2% -0.25 4.2%

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

Based On 5-Year Data
Annualized
Return Annualized
Volatility Sharpe
Ratio Correlation
with UVE
UVE 21.5% 41.6% 0.59 -
Sector ETF (XLF) 9.3% 18.7% 0.38 32.0%
Equity (SPY) 13.1% 17.0% 0.61 23.1%
Gold (GLD) 24.1% 17.3% 1.14 0.4%
Commodities (DBC) 11.2% 19.0% 0.47 0.5%
Real Estate (VNQ) 4.8% 18.8% 0.16 22.4%
Bitcoin (BTCUSD) 6.3% 56.7% 0.33 7.4%

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
UVE 10.4% 41.2% 0.38 -
Sector ETF (XLF) 12.5% 22.2% 0.52 42.9%
Equity (SPY) 14.5% 17.9% 0.70 35.1%
Gold (GLD) 14.4% 15.6% 0.77 -0.3%
Commodities (DBC) 8.6% 17.6% 0.40 9.4%
Real Estate (VNQ) 5.6% 20.7% 0.23 33.0%
Bitcoin (BTCUSD) 67.4% 66.8% 1.07 8.0%

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

Short Interest
Short Interest: As Of Date 2272026
Short Interest: Shares Quantity 0.6 Mil
Short Interest: % Change Since 2152026 10.9%
Average Daily Volume 0.2 Mil
Days-to-Cover Short Interest 3.2 days
Basic Shares Quantity 27.6 Mil
Short % of Basic Shares 2.2%

Returns Analyses
null

Earnings Returns History
Expand for More
Forward Returns
Earnings Date 1D Returns 5D Returns 21D Returns
2/24/2026 2.5% 12.8%
10/23/2025 11.9% 9.7% 16.5%
7/24/2025 -7.4% -4.6% -0.1%
2/25/2025 9.3% 5.5% 11.6%
10/24/2024 -4.3% -0.8% 13.8%
2/22/2024 22.4% 17.2% 15.5%
10/26/2023 -2.8% 10.6% 19.6%
7/27/2023 -7.1% -7.4% -19.5%
...
SUMMARY STATS
# Positive 11 14 14
# Negative 8 5 4
Median Positive 7.3% 8.3% 11.1%
Median Negative -5.8% -6.6% -17.7%
Max Positive 22.4% 54.0% 47.2%
Max Negative -27.3% -25.9% -27.2%

SEC Filings
Expand for More
Report Date Filing Date Filing
12/31/2025 02/27/2026 10-K
09/30/2025 10/30/2025 10-Q
06/30/2025 07/30/2025 10-Q
03/31/2025 04/30/2025 10-Q
12/31/2024 02/28/2025 10-K
09/30/2024 10/30/2024 10-Q
06/30/2024 07/30/2024 10-Q
03/31/2024 04/30/2024 10-Q
12/31/2023 02/28/2024 10-K
09/30/2023 10/30/2023 10-Q
06/30/2023 07/31/2023 10-Q
03/31/2023 05/02/2023 10-Q
12/31/2022 02/28/2023 10-K
09/30/2022 11/02/2022 10-Q
06/30/2022 07/29/2022 10-Q
03/31/2022 05/02/2022 10-Q

Insider Activity
Expand for More
# Owner Title Holding Action Filing Date Price Shares Transacted
Value Value of
Held Shares Form
1 Peterson, Richard D The RDP Revocable Trust dated August 11, 2011 Sell 12312025 33.61 1,855 62,347 279,602 Form
2 Donaghy, Stephen CEO Direct Sell 12312025 34.07 25,000 851,750 23,166,271 Form
3 Donaghy, Stephen CEO Direct Sell 12312025 33.77 25,000 844,250 22,118,033 Form
4 Downes, Sean P Executive Chairman Direct Sell 12192025 33.82 20,000 676,316 42,050,353 Form
5 Downes, Sean P Executive Chairman Direct Sell 11282025 33.46 20,000 669,120 42,272,057 Form

UVE Trade Sentinel

Stock Conviction

null

CONVICTION RATIONALE

null

STOCK ARCHETYPE
null

null

INVESTMENT THESIS
null
null

Mechanism: null

Supporting Evidence:

PRIMARY RISK
null
null

Mechanism: null

Supporting Evidence:

Key KPI Watchlist

KPI Threshold Rationale

Core Investment Debate

BULL VIEW

CORE TENSION

PREVAILING SENTIMENT

BEAR VIEW

Next 6 months: Risks and Catalysts

Timeline Event & Metric To Watch

Key Events in Last 6 Months

Date Event Stock Impact

Risk Management

Position Sizing

null

null

null

Diversification Alternatives

How Is The Market Pricing UVE?

What will confirm the thesis

What will damage the thesis

Noise: Real but irrelevant to thesis

Repricing Catalyst

What UVE Makes & Who Pays

TTM figures based on

UVE Evolution: Price Return by Era

① Structure

0

② Volume / Momentum

0

③ Catalyst

0

Combined Score

0 / 12

1 Price Structure & Trend · ▾

▲

Current $

20D SMA $ Below

50D SMA $ Slope: % Below

200D SMA $ Slope: % Below

✕ — trading days ago

52W High

$

From 52W High

%

All-Time High

$

From ATH

%

52W Low

$

From 52W Low

%

2 Momentum ▾

↑

5D

%

20D

%

63D

%

126D

%

252D

%

3 Relative Strength vs. SPY ▾

↑

20D
%

63D
%

126D
%

252D
%

RS Trend

%

RS Character

4 Institutional Footprint & Volume ▾

↓

◈

Score

Up/Down Vol 20D

Up/Down Vol 60D

OBV Slope 20D

OBV Slope 60D

Hi-Conv Up Days

Past 60D

Hi-Conv Down Days

Past 60D

Volume Trend

20D avg vs 60D avg

5 Volatility ▾

≈

HV 20D

%

HV 60D

%

HV 252D

%

Compression Ratio

ATR 14D

%

6 Key Price Levels Range · Vol ▾

◈

Nearest Resistance

$

% away · touches

Nearest Support

$

% away · touches

2nd Support

$

touches

Risk / Reward

×

Approach Volume

Current Price

$

7 Earnings Reaction History ▾

★

%

Earnings Day Return · Vol Spike ×

5D

%

10D

%

20D

%

Post Vol

×

%

Earnings Day Return · Vol Spike ×

5D

%

10D

%

20D

%

Post Vol

×

8 How the Verdict Is Derived Three Pillars ▾

Pillar Score

① Structure 0

② Vol / Mom 0

③ Catalyst 0

ℹ Bull Pillars: 0 · Bear Pillars: 0 · Combined Score: 0 →

Price Intelligence is derived from price-volume pattern analysis only. All moving averages are simple (SMA). Relative strength benchmarked against SPY.

Industry Resources
Financials Resources
Federal Reserve Economic Data
Federal Reserve
FDIC Data
American Banker
The Banker
Banking Technology

External Quote Links
0 Y Finance Barrons
1 TradingView Morningstar
2 SeekingAlpha ValueLine
3 Motley Fool Robinhood
4 CNBC Etrade
5 MarketWatch Unusual Whales
6 YCharts Perplexity Finance
7 FinViz

Prefer one of these to Trefis? Tell us why.

	2021	2022	2023	2024	2025	2026	Total [1]
Returns
UVE Return	18%	-34%	58%	37%	65%	1%	183%
Peers Return	1%	-34%	232%	45%	54%	-9%	348%
S&P 500 Return	27%	-19%	24%	23%	16%	-1%	80%
Monthly Win Rates [3]
UVE Win Rate	58%	50%	58%	67%	83%	33%
Peers Win Rate	50%	40%	70%	55%	58%	27%
S&P 500 Win Rate	75%	42%	67%	75%	67%	33%
Max Drawdowns [4]
UVE Max Drawdown	-14%	-48%	-3%	-0%	-10%	-15%
Peers Max Drawdown	-23%	-48%	-8%	-7%	-12%	-14%
S&P 500 Max Drawdown	-1%	-25%	-1%	-2%	-15%	-2%

Unique Key	Event	UVE	S&P 500
2022 Inflation Shock	2022 Inflation Shock
2022 Inflation Shock% Loss	% Loss	-56.0%	-25.4%
2022 Inflation Shock% Gain to Breakeven	% Gain to Breakeven	127.1%	34.1%
2022 Inflation ShockTime to Breakeven	Time to Breakeven	195 days	464 days
2020 Covid Pandemic	2020 Covid Pandemic
2020 Covid Pandemic% Loss	% Loss	-60.4%	-33.9%
2020 Covid Pandemic% Gain to Breakeven	% Gain to Breakeven	152.6%	51.3%
2020 Covid PandemicTime to Breakeven	Time to Breakeven	1,678 days	148 days
2018 Correction	2018 Correction
2018 Correction% Loss	% Loss	-51.5%	-19.8%
2018 Correction% Gain to Breakeven	% Gain to Breakeven	106.0%	24.7%
2018 CorrectionTime to Breakeven	Time to Breakeven	Not Fully Recovered days	120 days
2008 Global Financial Crisis	2008 Global Financial Crisis
2008 Global Financial Crisis% Loss	% Loss	-81.8%	-56.8%
2008 Global Financial Crisis% Gain to Breakeven	% Gain to Breakeven	450.9%	131.3%
2008 Global Financial CrisisTime to Breakeven	Time to Breakeven	1,872 days	1,480 days

	Title	Date
0	DASHBOARDS
1	Universal Insurance Stock Pre-Market (-6.1%) : Sharp Drop on No Apparent News Catalyst	01/14/2026
2	Why Universal Insurance Stock Moved: UVE Stock Has Gained 266% Since 2022 Fiscal End, Primarily Due To Favorable Change In Price To Sales Multiple (P/S)	08/08/2025
3	Universal Insurance (UVE) Valuation Ratios Comparison	08/08/2025
4	UVE Dip Buy Analysis	07/10/2025
5	null	05/16/2025
6	Universal Insurance Total Shareholder Return (TSR): 39.1% in 2024 and 17.1% 3-yr compounded annual returns (above peer average)	03/07/2025
7	Universal Insurance (UVE) Operating Cash Flow Comparison	02/17/2025
8	Universal Insurance (UVE) Net Income Comparison	02/16/2025

Unique Key	Date	Ticker	Company	Category	Trade Strategy	6M Fwd Rtn	12M Fwd Rtn	12M Max DD
NDAQ_2282026_Insider_Buying_45D_2Buy_200K	02282026	NDAQ	Nasdaq	Insider	Insider Buys 45DStrong Insider Buying Companies with multiple insider buys in the last 45 days	0.0%	0.0%	0.0%
JEF_2272026_Dip_Buyer_ValueBuy	02272026	JEF	Jefferies Financial	Dip Buy	DB \| 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%
PAYO_2272026_Dip_Buyer_High_CFO_Margins_ExInd_DE	02272026	PAYO	Payoneer Global	Dip Buy	DB \| CFO/Rev \| Low D/EDip Buy with High Cash Flow Margins Buying dips for companies with significant cash flows from operations and reasonable debt / market cap	0.0%	0.0%	0.0%
FOUR_2272026_Dip_Buyer_High_FCF_Yield_ExInd_DE_RevG	02272026	FOUR	Shift4 Payments	Dip Buy	DB \| FCF Yield \| Low D/EDip Buy with High Free Cash Flow Yield Buying dips for companies with significant free cash flow yield (FCF / Market Cap) and reasonable debt / market cap	0.0%	0.0%	0.0%
COIN_2202026_Dip_Buyer_High_CFO_Margins_ExInd_DE	02202026	COIN	Coinbase Global	Dip Buy	DB \| CFO/Rev \| Low D/EDip Buy with High Cash Flow Margins Buying dips for companies with significant cash flows from operations and reasonable debt / market cap	2.6%	2.6%	-6.5%
UVE_10312018_Quality_Momentum_RoomToRun_10%	10312018	UVE	Universal Insurance	Quality	Q \| 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%

	UVE	HCI	HRTG	ACIC	DGICA	UFCS	Median
Name	Universa.	HCI	Heritage.	American.	Donegal	United F.
Mkt Price	34.28	167.39	28.23	11.31	16.97	36.87	31.26
Mkt Cap	0.9	2.1	0.9	1.1	0.6	0.9	0.9
Rev LTM	1,604	902	862	328	978	1,388	940
Op Inc LTM	-	-	-	-	-	-	-
FCF LTM	377	441	105	120	70	263	192
FCF 3Y Avg	191	330	93	50	55	251	142
CFO LTM	381	444	112	120	70	270	195
CFO 3Y Avg	197	336	102	50	55	261	149

$ Mil	2025	2024	2023	2022	2021
Single Segment	1,392	1,223	1,122	1,073	939
Total	1,392	1,223	1,122	1,073	939

Market Price	$34.28
Market Cap ($ Bil)	1.0
First Trading Date	06/06/2003
Distance from 52W High	-5.3%
	50 Days	200 Days
DMA Price	$31.68	$28.67
DMA Trend	up	indeterminate
Distance from DMA	8.2%	19.6%
	3M	1YR
Volatility	37.8%	35.0%
Downside Capture	-39.26	6.72
Upside Capture	-19.22	55.48
Correlation (SPY)	0.1%	24.5%

	1M	2M	3M	6M	1Y	3Y
Beta	0.05	-0.19	-0.06	0.51	0.43	0.55
Up Beta	0.70	1.10	1.33	1.36	0.52	0.43
Down Beta	1.13	0.68	0.50	0.75	0.55	0.57
Up Capture	73%	-80%	-45%	68%	39%	39%
Bmk +ve Days	9	20	31	70	142	431
Stock +ve Days	15	23	33	68	135	386
Down Capture	-197%	-127%	-106%	-43%	1%	77%
Bmk -ve Days	12	21	30	54	109	320
Stock -ve Days	6	18	28	56	114	360

	Annualized Return	Annualized Volatility	Sharpe Ratio	Correlation with UVE
UVE	70.6%	35.1%	1.57	-
Sector ETF (XLF)	3.6%	19.3%	0.06	37.8%
Equity (SPY)	19.6%	18.9%	0.81	23.4%
Gold (GLD)	71.9%	26.3%	2.05	-0.5%
Commodities (DBC)	19.3%	17.3%	0.89	-0.3%
Real Estate (VNQ)	6.2%	16.3%	0.19	29.4%
Bitcoin (BTCUSD)	-15.3%	44.2%	-0.25	4.2%

	Annualized Return	Annualized Volatility	Sharpe Ratio	Correlation with UVE
UVE	21.5%	41.6%	0.59	-
Sector ETF (XLF)	9.3%	18.7%	0.38	32.0%
Equity (SPY)	13.1%	17.0%	0.61	23.1%
Gold (GLD)	24.1%	17.3%	1.14	0.4%
Commodities (DBC)	11.2%	19.0%	0.47	0.5%
Real Estate (VNQ)	4.8%	18.8%	0.16	22.4%
Bitcoin (BTCUSD)	6.3%	56.7%	0.33	7.4%

	Annualized Return	Annualized Volatility	Sharpe Ratio	Correlation with UVE
UVE	10.4%	41.2%	0.38	-
Sector ETF (XLF)	12.5%	22.2%	0.52	42.9%
Equity (SPY)	14.5%	17.9%	0.70	35.1%
Gold (GLD)	14.4%	15.6%	0.77	-0.3%
Commodities (DBC)	8.6%	17.6%	0.40	9.4%
Real Estate (VNQ)	5.6%	20.7%	0.23	33.0%
Bitcoin (BTCUSD)	67.4%	66.8%	1.07	8.0%

Short Interest: As Of Date	2272026
Short Interest: Shares Quantity	0.6 Mil
Short Interest: % Change Since 2152026	10.9%
Average Daily Volume	0.2 Mil
Days-to-Cover Short Interest	3.2 days
Basic Shares Quantity	27.6 Mil
Short % of Basic Shares	2.2%

	Forward Returns
Earnings Date	1D Returns	5D Returns	21D Returns
2/24/2026	2.5%	12.8%
10/23/2025	11.9%	9.7%	16.5%
7/24/2025	-7.4%	-4.6%	-0.1%
2/25/2025	9.3%	5.5%	11.6%
10/24/2024	-4.3%	-0.8%	13.8%
2/22/2024	22.4%	17.2%	15.5%
10/26/2023	-2.8%	10.6%	19.6%
7/27/2023	-7.1%	-7.4%	-19.5%
...
SUMMARY STATS
# Positive	11	14	14
# Negative	8	5	4
Median Positive	7.3%	8.3%	11.1%
Median Negative	-5.8%	-6.6%	-17.7%
Max Positive	22.4%	54.0%	47.2%
Max Negative	-27.3%	-25.9%	-27.2%

Report Date	Filing Date	Filing
12/31/2025	02/27/2026	10-K
09/30/2025	10/30/2025	10-Q
06/30/2025	07/30/2025	10-Q
03/31/2025	04/30/2025	10-Q
12/31/2024	02/28/2025	10-K
09/30/2024	10/30/2024	10-Q
06/30/2024	07/30/2024	10-Q
03/31/2024	04/30/2024	10-Q
12/31/2023	02/28/2024	10-K
09/30/2023	10/30/2023	10-Q
06/30/2023	07/31/2023	10-Q
03/31/2023	05/02/2023	10-Q
12/31/2022	02/28/2023	10-K
09/30/2022	11/02/2022	10-Q
06/30/2022	07/29/2022	10-Q
03/31/2022	05/02/2022	10-Q

#	Owner	Title	Holding	Action	Filing Date	Price	Shares	Transacted Value	Value of Held Shares	Form
1	Peterson, Richard D		The RDP Revocable Trust dated August 11, 2011	Sell	12312025	33.61	1,855	62,347	279,602	Form
2	Donaghy, Stephen	CEO	Direct	Sell	12312025	34.07	25,000	851,750	23,166,271	Form
3	Donaghy, Stephen	CEO	Direct	Sell	12312025	33.77	25,000	844,250	22,118,033	Form
4	Downes, Sean P	Executive Chairman	Direct	Sell	12192025	33.82	20,000	676,316	42,050,353	Form
5	Downes, Sean P	Executive Chairman	Direct	Sell	11282025	33.46	20,000	669,120	42,272,057	Form

0	Y Finance	Barrons
1	TradingView	Morningstar
2	SeekingAlpha	ValueLine
3	Motley Fool	Robinhood
4	CNBC	Etrade
5	MarketWatch	Unusual Whales
6	YCharts	Perplexity Finance
7	FinViz

Universal Insurance (UVE)

Market Price (3/15/2026): $34.28 | Market Cap: $947.7 MilSector: Financials | Industry: Property & Casualty Insurance

Universal Insurance (UVE)

Market Price (3/15/2026): $34.28Market Cap: $947.7 MilSector: FinancialsIndustry: Property & Casualty Insurance

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Market Price (3/15/2026): $34.28 | Market Cap: $947.7 Mil
Sector: Financials | Industry: Property & Casualty Insurance

Market Price (3/15/2026): $34.28
Market Cap: $947.7 Mil
Sector: Financials
Industry: Property & Casualty Insurance