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Upturn AI SWOT - About
Universal Insurance Holdings Inc (UVE)
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Upturn Advisory Summary
06/10/2025: UVE (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
1 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $29
1 Year Target Price $29
| 0 | Strong Buy |
| 1 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 11.85% | Avg. Invested days 49 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 06/10/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 780.45M USD | Price to earnings Ratio 11.95 | 1Y Target Price 29 |
Price to earnings Ratio 11.95 | 1Y Target Price 29 | ||
Volume (30-day avg) 1 | Beta 0.87 | 52 Weeks Range 16.16 - 28.49 | Updated Date 06/30/2025 |
52 Weeks Range 16.16 - 28.49 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 2.32% | Basic EPS (TTM) 2.32 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 4.31% | Operating Margin (TTM) 14.45% |
Management Effectiveness
Return on Assets (TTM) 2.56% | Return on Equity (TTM) 16.95% |
Valuation
Trailing PE 11.95 | Forward PE - | Enterprise Value 479380693 | Price to Sales(TTM) 0.5 |
Enterprise Value 479380693 | Price to Sales(TTM) 0.5 | ||
Enterprise Value to Revenue 0.31 | Enterprise Value to EBITDA - | Shares Outstanding 28144700 | Shares Floating 25863553 |
Shares Outstanding 28144700 | Shares Floating 25863553 | ||
Percent Insiders 10.17 | Percent Institutions 72.98 |
Analyst Ratings
Rating 1 | Target Price 29 | Buy 1 | Strong Buy - |
Buy 1 | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Universal Insurance Holdings Inc
Company Overview
History and Background
Universal Insurance Holdings Inc. was founded in 1994. Initially focused on property and casualty insurance in Florida, it has expanded geographically and diversified its product offerings over time.
Core Business Areas
- Personal Lines: Provides homeowners insurance, flood insurance, and other personal property insurance products.
- Commercial Lines: Offers commercial property insurance and general liability coverage to businesses.
- Reinsurance: Manages risk exposure through reinsurance agreements.
Leadership and Structure
The leadership team includes Sean P. Downes as CEO. The company has a traditional corporate structure with departments overseeing underwriting, claims, finance, and marketing.
Top Products and Market Share
Key Offerings
- Homeowners Insurance: Provides coverage for damage or loss to residential properties. Universal Insurance Holdings Inc. holds a significant market share in Florida, particularly with single family homes, but faces competition from State Farm (STFGX), Citizens Property Insurance Corporation (not publicly traded), and Heritage Insurance Holdings (HRTG).
- Flood Insurance: Offers flood coverage for properties in high-risk areas. Competitors include the National Flood Insurance Program (NFIP) and private flood insurance companies.
Market Dynamics
Industry Overview
The property and casualty insurance industry is highly competitive and subject to regulatory oversight. Recent trends include increasing claim costs, rising reinsurance rates, and the impact of climate change.
Positioning
Universal Insurance Holdings Inc. is a major player in the Florida homeowners insurance market. Its competitive advantages include local expertise and a diversified distribution network.
Total Addressable Market (TAM)
The TAM for homeowners insurance in the US is estimated to be over $100 billion. Universal Insurance Holdings Inc. is positioned to capture a portion of this market through its regional focus and product offerings.
Upturn SWOT Analysis
Strengths
- Strong presence in Florida
- Diversified distribution channels
- Experienced management team
Weaknesses
- Geographic concentration in Florida
- Exposure to catastrophic events
- High reinsurance costs
Opportunities
- Geographic expansion
- Product diversification
- Technological innovation
Threats
- Increased competition
- Regulatory changes
- Climate change and natural disasters
Competitors and Market Share
Key Competitors
- HRTG
- WRB
- HIG
- ALL
- BRK.A
Competitive Landscape
Universal Insurance Holdings Inc. faces intense competition from national and regional insurance carriers. Its advantages include local expertise, but it is vulnerable to catastrophic events in Florida.
Major Acquisitions
American Capital Assurance Corp
- Year: 2010
- Acquisition Price (USD millions): 32
- Strategic Rationale: Expanding market share in the Florida homeowners insurance market.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been driven by expansion in the Florida market and diversification into other states.
Future Projections: Future growth projections are based on analyst estimates and depend on market conditions, regulatory changes, and the company's ability to execute its strategic plan.
Recent Initiatives: Recent strategic initiatives include expanding into new states, investing in technology, and strengthening reinsurance arrangements.
Summary
Universal Insurance Holdings Inc. shows moderate stability with a regional focus in Florida, facing both opportunities for expansion and threats from catastrophic events. Its strategic initiatives and diversified channels show promise, but high reinsurance costs and geographic concentration pose ongoing challenges. The company's financial performance is highly dependent on claim activity, requiring diligent risk management. The AI-based fundamental rating highlights both the potential and the vulnerabilities of the company.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Universal Insurance Holdings Inc. Investor Relations
- SEC Filings
- Industry Reports
- Analyst Estimates
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data and financial metrics are estimates and subject to change. Investment decisions should be based on individual research and due diligence.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Universal Insurance Holdings Inc
Exchange NYSE | Headquaters Fort Lauderdale, FL, United States | ||
IPO Launch date 1992-12-14 | CEO & Director Mr. Stephen Joseph Donaghy | ||
Sector Financial Services | Industry Insurance - Property & Casualty | Full time employees 1068 | |
Full time employees 1068 | |||
Universal Insurance Holdings, Inc., together with its subsidiaries, operates as an integrated insurance holding company in the United States. It 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. The company 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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