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Universal Insurance Holdings, Inc. (UVE)

Financial Services | Insurance - Property & Casualty | Fort Lauderdale, United States | NYSE
42.81 USD +0.66 (1.566%) ⇧ (July 13, 2026, 4 p.m. EDT)

Short-term:★★★☆☆Long-term:★★★⯪☆Dividends:★★⯪☆☆
Hot Take | July 11, 2026, 6:16 a.m. EDT

Universal Insurance Holdings presents a compelling case for a patient buyer, driven by a stark disconnect between its deteriorating price trend and robust underlying fundamentals. While the stock has suffered a brutal multi-year decline—dropping nearly 60% from its 2018 highs—the business itself is showing signs of life with a 31% surge in quarterly earnings and a healthy 38.9% return on equity. This suggests the market may be overreacting to past struggles or index removals, creating a potential inflection point where value investors can step in. The valuation is attractive, trading at less than 1x sales and under 7x trailing earnings, yet the balance sheet carries a warning sign with a debt-to-equity ratio exceeding 17%, which limits the 'exceptional' status of the investment. On the income front, the dividend yield sits at a modest 1.5%, offering little immediate cushion against volatility. However, the options market is telling a different story than the historical chart; traders are aggressively buying calls at the $45 resistance level while ignoring the downside, signaling a growing belief that the worst of the decline is behind the stock.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoTheta ✓0.112198
MSTL_790.116146
AutoARIMA0.123883
AutoETS0.124622
MSTL0.126858
MSTL_79_970.166993
MSTL_970.177021

Forecast horizon: 60 days | Selected: AutoTheta

Forecast Reliability
Score 42%
H-stat 1.57
Ljung-Box p 0.000
Jarque-Bera p 0.237
Excess Kurtosis -0.80
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-07-30
Last Dividend Date 2026-05-07
Debt to Equity Ratio 17.151
Revenue per Share 57.689
Market Cap 1,194,875,008
Trailing P/E 6.33
Forward P/E 9.73
Beta 0.73
Profit Margins 12.22%
Website https://www.universalinsuranceholdings.com

As of July 11, 2026, 6:16 a.m. EDT: Speculators are positioning for a modest upside move, evidenced by heavy open interest in out-of-the-money calls at the $45 strike compared to negligible put volume. The call chain shows significant concentration in OTM positions, suggesting bets on a breakout above current levels, while the put side remains virtually empty, indicating a lack of fear regarding downside protection.


Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
0.41% 2.49% 3.49% 4.37%
Dividend History
Date Dividend Yield %
2026-05-08 0.16 0.405680
2026-03-06 0.16 0.454804
2025-12-05 0.29 0.931577
2025-08-01 0.16 0.695652
2025-05-09 0.16 0.615148
2025-03-07 0.16 0.758653
2024-12-06 0.29 1.326017
2024-08-02 0.16 0.829445
2024-05-09 0.16 0.790514
2024-03-07 0.16 0.822199
2023-12-07 0.29 1.746988
2023-08-03 0.16 1.082544
2023-05-11 0.16 1.014585
2023-03-08 0.16 0.835946
2022-12-08 0.29 2.638763
2022-08-01 0.16 1.310401
2022-05-12 0.16 1.285141
2022-03-09 0.16 1.299756
2021-12-09 0.29 1.862556
2021-07-30 0.16 1.129944
2021-05-13 0.16 1.111111
2021-03-10 0.16 1.005025
2020-12-10 0.29 1.967436
2020-07-30 0.16 0.909091
2020-05-13 0.16 0.978593
2020-03-11 0.16 0.744532
2019-12-12 0.29 1.022207
2019-07-02 0.16 0.555170
2019-05-02 0.16 0.542741
2019-03-08 0.16 0.510530
2018-11-26 0.29 0.668973
2018-06-29 0.16 0.455840
2018-04-26 0.14 0.435459
2018-02-27 0.14 0.456026
2017-11-24 0.27 1.028571
2017-09-11 0.14 0.698254
2017-06-12 0.14 0.538462
2017-02-15 0.14 0.523364
2016-11-29 0.27 1.095335
2016-09-08 0.14 0.553141
2016-06-13 0.14 0.757576
2016-02-16 0.14 0.796813
2015-11-27 0.27 1.334652
2015-09-21 0.12 0.430108
2015-06-16 0.12 0.494845
2015-02-13 0.12 0.516573
2014-12-03 0.25 1.278119
2014-09-19 0.10 0.784929
2014-06-17 0.10 0.731529
2014-02-14 0.10 0.860585
2013-12-11 0.23 1.851852
2013-09-19 0.10 1.324503
2013-05-30 0.08 1.120448
2013-03-12 0.08 1.773836
2012-12-12 0.08 1.834862
2012-09-24 0.08 2.067184
2012-06-22 0.08 2.409639
2012-03-26 0.10 2.544529
2011-12-19 0.14 4.034582
2011-09-14 0.08 1.985112
2011-03-09 0.10 1.709402
2010-10-20 0.10 2.150538
2010-06-15 0.10 2.217295
2010-03-17 0.12 2.259887
2009-11-12 0.20 3.338898
2009-09-01 0.12 2.510460
2009-04-07 0.12 3.100775
2009-02-10 0.10 2.873563
2008-11-28 0.20 7.662836
2008-09-30 0.10 2.873563
2008-07-07 0.10 2.890173
2008-03-06 0.09 1.497504
2007-09-25 0.08 1.166181
2007-07-18 0.07 1.221640
Additional Data
dividendRate 0.64
dividendYield 1.49
exDividendDate 2026-07-31
trailingAnnualDividendRate 0.64
trailingAnnualDividendYield 0.015183866
lastDividendValue 0.16
lastDividendDate 2026-05-08
dividendDate 2026-08-07

Info Dump

Attribute Value
52 Week Change 0.7359967
Address1 1,110 West Commercial Boulevard
Address2 Suite 100
All Time High 50.5
All Time Low 0.02
Ask 43.5
Ask Size 300
Audit Risk 6
Average Daily Volume10 Day 285,070
Average Daily Volume3 Month 212,995
Average Volume 212,995
Average Volume10Days 285,070
Beta 0.73
Bid 35.5
Bid Size 100
Board Risk 4
Book Value 19.674
City Fort Lauderdale
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 4
Country United States
Crypto Tradeable 0
Currency USD
Current Price 42.81
Current Ratio 0.547
Custom Price Alert Confidence HIGH
Date Short Interest 1,782,777,600
Day High 43.409
Day Low 42.2672
Debt To Equity 17.151
Display Name Universal Insurance
Dividend Date 1,786,060,800
Dividend Rate 0.64
Dividend Yield 1.49
Earnings Call Timestamp End 1,777,039,200
Earnings Call Timestamp Start 1,777,039,200
Earnings Growth 0.306
Earnings Quarterly Growth 0.31
Earnings Timestamp 1,776,974,400
Earnings Timestamp End 1,784,836,800
Earnings Timestamp Start 1,784,836,800
Ebitda 272,129,984
Ebitda Margins 0.1698
Enterprise To Ebitda 2.57
Enterprise To Revenue 0.436
Enterprise Value 699,393,984
Eps Current Year 4.75
Eps Forward 4.4
Eps Trailing Twelve Months 6.76
Esg Populated 0
Ex Dividend Date 1,785,456,000
Exchange NYQ
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 39.2072
Fifty Day Average Change 3.6028023
Fifty Day Average Change Percent 0.09189135
Fifty Two Week Change Percent 73.59967
Fifty Two Week High 43.96
Fifty Two Week High Change -1.1499977
Fifty Two Week High Change Percent -0.026160095
Fifty Two Week Low 21.96
Fifty Two Week Low Change 20.850002
Fifty Two Week Low Change Percent 0.9494537
Fifty Two Week Range 21.96 - 43.96
Financial Currency USD
First Trade Date Milliseconds 1,054,906,200,000
Five Year Avg Dividend Yield 3.71
Float Shares 25,342,179
Forward Eps 4.4
Forward P E 9.729546
Free Cashflow 338,452,640
Full Exchange Name NYSE
Full Time Employees 929
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,782,864,000
Gross Margins 0.24025999
Gross Profits 385,048,992
Has Pre Post Market Data 1
Held Percent Insiders 0.11282
Held Percent Institutions 0.75665003
Implied Shares Outstanding 27,911,118
Industry Insurance - Property & Casualty
Industry Disp Insurance - Property & Casualty
Industry Key insurance-property-casualty
Is Earnings Date Estimate 1
Language en-US
Last Dividend Date 1,778,198,400
Last Dividend Value 0.16
Last Fiscal Year End 1,767,139,200
Long Business Summary 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.
Long Name Universal Insurance Holdings, Inc.
Market us_market
Market Cap 1,194,875,008
Market State PRE
Max Age 86,400
Message Board Id finmb_323883
Most Recent Quarter 1,774,915,200
Net Income To Common 195,792,992
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 1,194,874,961
Number Of Analyst Opinions 1
Open 42.62
Operating Cashflow 349,545,984
Operating Margins 0.18621
Overall Risk 2
Payout Ratio 0.0947
Phone 954 958 1200
Pre Market Change 0.6899986
Pre Market Change Percent 1.6117697
Pre Market Price 43.5
Pre Market Time 1,784,028,006
Previous Close 42.15
Price Eps Current Year 9.012631
Price Hint 2
Price To Book 2.1759684
Price To Sales Trailing12 Months 0.74557924
Profit Margins 0.12218001
Quick Ratio 0.37
Quote Source Name Delayed Quote
Quote Type EQUITY
Recommendation Key none
Region US
Regular Market Change 0.66
Regular Market Change Percent 1.56584
Regular Market Day High 43.409
Regular Market Day Low 42.2672
Regular Market Day Range 42.2672 - 43.409
Regular Market Open 42.62
Regular Market Previous Close 42.15
Regular Market Price 42.81
Regular Market Time 1,783,972,803
Regular Market Volume 152,223
Return On Assets 0.060560003
Return On Equity 0.38883
Revenue Growth -0.003
Revenue Per Share 57.689
Sand P52 Week Change 0.20847368
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 1
Shares Outstanding 27,911,118
Shares Percent Shares Out 0.0342
Shares Short 955,202
Shares Short Previous Month Date 1,780,012,800
Shares Short Prior Month 496,974
Short Name UNIVERSAL INSURANCE HOLDINGS IN
Short Percent Of Float 0.040999997
Short Ratio 4.75
Source Interval 15
State FL
Symbol UVE
Target High Price 44.0
Target Low Price 44.0
Target Mean Price 44.0
Target Median Price 44.0
Total Cash 595,771,008
Total Cash Per Share 21.345
Total Debt 100,290,000
Total Revenue 1,602,612,992
Tradeable 0
Trailing Annual Dividend Rate 0.64
Trailing Annual Dividend Yield 0.015183866
Trailing Eps 6.76
Trailing P E 6.3328404
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 33.9608
Two Hundred Day Average Change 8.849201
Two Hundred Day Average Change Percent 0.26057103
Type Disp Equity
Volume 152,223
Website https://www.universalinsuranceholdings.com
Zip 33,309