UVE
Universal Insurance Holdings Inc
NYSE: UVE · FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY
$39.18
+5.21% today
Updated 2026-06-05
Market cap
$1.06B
P/E ratio
5.63
P/S ratio
0.66x
EPS (TTM)
$6.76
Dividend yield
1.69%
52W range
$22 – $42
Volume
0.2M
WallStSmart proprietary scores
66
out of 100
Grade: B
Buy
Investment rating
6.0
Growth
B5.5
Quality
C+7.5
Profitability
B+6.7
Valuation
B6/9
Piotroski F-Score
Moderate
1.0
Altman Z-Score
Distress
—
Industry rank
—
View all highly rated stocks (75+) →198 stocks currently score above 75
Price targets
Analyst target
$44.00
+12.30%
12-Month target
$38.36
-2.09%
Intrinsic (DCF)
—
Margin of safety
—
Price chart
Stock snapshot
Strengths
+ ROE 33.48% — strong efficiency
+ Free cash flow $153.24M — positive
+ Debt/equity 0.17x — low leverage
Risks
- Altman Z 0.99 — distress zone
- Revenue declining -0.30% QoQ
Key financials
Revenue Net Income Free Cash Flow
| Metric | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|
| Revenue | $1.22B | $1.39B | $1.52B | $1.60B | $1.60B |
| Net income | $-22.26M | $66.82M | $58.93M | $182.95M | $54.29M |
| EPS | — | — | — | — | $6.76 |
| Free cash flow | $319.62M | $66.95M | $129.99M | $377.06M | $153.24M |
| Profit margin | -1.82% | 4.80% | 3.88% | 11.47% | 12.20% |
Peer comparison
Smart narrative
Universal Insurance Holdings Inc trades at $39.18. representing a P/E of 5.63x trailing earnings. Our Smart Value Score of 66/100 indicates the stock is good. The company scores 6/9 on the Piotroski F-Score. With an Altman Z-Score of 0.99, it sits in the distress. TTM revenue stands at $1.60B. with profit margins at 12.20%.
Frequently asked questions
What is Universal Insurance Holdings Inc's stock price?
Universal Insurance Holdings Inc (UVE) trades at $39.18, on a P/E of 5.6x and a P/S of 0.7x. Those multiples show what the market is paying for each dollar of earnings and sales, which is the real starting point for judging whether the price is reasonable.
Is Universal Insurance Holdings Inc overvalued?
Universal Insurance Holdings Inc carries a Smart Value Score of 66/100 (Grade B), which we rate Buy. That score blends growth, quality, and valuation into one read.
What is the price target of Universal Insurance Holdings Inc (UVE)?
The 12-month analyst consensus target is $44.00, about 12.3% above the current $39.18. A consensus target is the average of Wall Street's 12-month forecasts, so it works as a sentiment gauge rather than a guarantee, and it resets with every earnings cycle.
What is Universal Insurance Holdings Inc's revenue?
Universal Insurance Holdings Inc's trailing twelve-month revenue is $1.60B. Revenue scale anchors the valuation multiples and shows whether growth is reaching the top line, so it is best read alongside margin and growth trends to see if that revenue is getting more profitable over time.
Altman Z-Score?
Universal Insurance Holdings Inc's Altman Z-Score is 0.99, which places it in the distress. The Altman Z-Score gauges bankruptcy risk from profitability, leverage, and asset efficiency, and a higher reading points to lower financial distress risk.
Company info
SectorFINANCIAL SERVICES
IndustryINSURANCE - PROPERTY & CASUALTY
CountryUSA
ExchangeNYSE
CurrencyUSD
Quick metrics
P/S ratio0.66x
ROE33.48%
Beta0.75
50D MA$37.22
200D MA$32.43
Shares out0.03B
Float0.03B
Short ratio—
Avg volume0.2M
Performance
1 week-2.15%
1 month-2.21%
3 months+16.18%
YTD+0.89%
1 year—
3 years—
5 years—