Universal Insurance Holdings, Inc. (UVE)
Full history for every metric is available with a Kvantra account
No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total revenue | $m | 1,073 | 1,122 | 1,223 | 1,392 | 1,521 | 1,596 | 1,623 | 2,237 |
| Operating profit | $m | 243 | 293 | ||||||
| Net profit | $m | 19 | 20 | -22 | 67 | 59 | 183 | 220 | 140 |
| EPS reported | $ | 6.32 | 7.61 | ||||||
| Operating cashflow per share | $ | 13.70 | 12.37 | ||||||
| Capex per share | $ | 0.16 | 0.17 | ||||||
| FCF per share | $ | 13.54 | 12.20 | ||||||
| Free cash flow | $m | 377 | 340 | ||||||
| Net debt | $m | -471 | -606 | ||||||
| Book value equity | $m | 551 | 637 | ||||||
| Book value per share | $ | 19.13 | 22.12 | ||||||
| Number of shares | m | 28.81 | 28.81 | ||||||
| DPS (TTM paid) | $ | 0.77 | 0.77 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 5.35 | 5.56 | ||||||
| P/B LTM | x | 1.71 | 1.48 | ||||||
| P/S LTM | x | 0.59 | 0.58 | ||||||
| P/FCF LTM | x | 2.50 | 2.77 | ||||||
| EV/EBITDA LTM | x | 2.47 | 2.07 | ||||||
| EV/Sales LTM | x | 0.40 | 0.48 | ||||||
| Earnings Yield LTM | % | +18.69% | +17.99% | ||||||
| FCF Yield | % | +40.05% | +36.08% | ||||||
| Quality | |||||||||
| ROE | % | +33.20% | +38.78% | ||||||
| ROIC | % | +26.40% | +7.43% | ||||||
| Operating margin | % | +15.23% | +18.02% | ||||||
| Gross margin | % | +38.21% | +37.71% | ||||||
| FCF/Sales | % | +23.63% | +20.92% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +214.43% | +278.61% | ||||||
| Sales Growth YoY | % | +4.94% | +6.77% | ||||||
| Net Income Growth YoY | % | +210.47% | +273.16% | ||||||
| FCF Growth | % | +190.06% | +161.32% | ||||||
| Operating Profit Growth | % | +187.28% | +245.74% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +2.36% | +1.78% | ||||||
| Dividend Growth | % | 0.00% | 0.00% | ||||||
| Payout Ratio | % | +12.18% | +10.10% | ||||||
| FCF/Debt | x | 3.75 | 3.47 | ||||||
| Net Debt/EBITDA | x | -1.20 | -1.42 | ||||||
| EBIT/Net interest | x | 50.30 | 52.65 | ||||||
| Net debt/market cap | % | +10.67% | +8.11% | ||||||
| Net debt/Equity | x | -0.86 | -0.95 | ||||||
| Gross debt/equity | x | 0.18 | 0.15 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Universal Insurance Holdings, Inc., together with its subsidiaries, operates as an integrated insurance holding company in the United States. The company offers insurance products for personal residential insurance, such as homeowners, renters and tenants, condo unit owners, and dwelling and fire; and 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; evaluates insurance risk and exposures on an individual and portfolio basis and assists the insurance entities with pricing risks; places and manages its reinsurance programs; and operates its digital insurance agency, Clovered.com. It offers its products through its independent agency network, direct-to-consumer online distribution, and digital insurance agency platform. 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.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Universal Insurance Holdings, Inc. (UVE)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Universal Insurance Holdings, Inc., together with its subsidiaries, operates as an integrated insurance holding company in the United States. The company offers insurance products for personal residential insurance, such as homeowners, renters and tenants, condo unit owners, and dwelling and fire; and 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; evaluates insurance risk and exposures on an individual and portfolio basis and assists the insurance entities with pricing risks; places and manages its reinsurance programs; and operates its digital insurance agency, Clovered.com. It offers its products through its independent agency network, direct-to-consumer online distribution, and digital insurance agency platform. 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.
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