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Upturn AI SWOT - About
Universal Insurance Holdings Inc (UVE)
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Upturn Advisory Summary
08/14/2025: UVE (1-star) is currently NOT-A-BUY. Pass it for now.
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 2.49% | Avg. Invested days 52 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 668.32M USD | Price to earnings Ratio 10.26 | 1Y Target Price 29 |
Price to earnings Ratio 10.26 | 1Y Target Price 29 | ||
Volume (30-day avg) 1 | Beta 0.87 | 52 Weeks Range 16.05 - 28.30 | Updated Date 08/15/2025 |
52 Weeks Range 16.05 - 28.30 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 2.63% | Basic EPS (TTM) 2.3 |
Earnings Date
Report Date 2025-07-23 | When Before Market | Estimate 1.09 | Actual 1.23 |
Profitability
Profit Margin 4.24% | Operating Margin (TTM) 11.99% |
Management Effectiveness
Return on Assets (TTM) 2.05% | Return on Equity (TTM) 15.6% |
Valuation
Trailing PE 10.26 | Forward PE - | Enterprise Value 423594072 | Price to Sales(TTM) 0.43 |
Enterprise Value 423594072 | Price to Sales(TTM) 0.43 | ||
Enterprise Value to Revenue 0.27 | Enterprise Value to EBITDA - | Shares Outstanding 28318600 | Shares Floating 25590065 |
Shares Outstanding 28318600 | Shares Floating 25590065 | ||
Percent Insiders 11.69 | Percent Institutions 75.3 |
Upturn AI SWOT
Universal Insurance Holdings Inc
Company Overview
History and Background
Universal Insurance Holdings, Inc. was founded in 1990 and is headquartered in Fort Lauderdale, Florida. Initially focused on property insurance, it has grown through organic expansion and acquisitions to become a diversified insurance holding company. It has expanded its product offerings and geographic footprint over the years.
Core Business Areas
- Property and Casualty Insurance: Provides personal and commercial residential property insurance, including homeowners, renters, and condominium insurance. Focuses primarily on Florida and other coastal states prone to hurricane damage. They also offer a suite of Commercial products.
- Agency Services: Operates independent insurance agencies which sell and service insurance products.
Leadership and Structure
Sean P. Downes is the Chairman and Chief Executive Officer. The company has a typical corporate structure with a board of directors and various executive management positions overseeing different business units.
Top Products and Market Share
Key Offerings
- Homeowners Insurance: Homeowners insurance is Universal's primary product, providing coverage against property damage and liability. Market share fluctuates based on hurricane activity and competitive pricing within the Florida market. The company is in the top 10 homeowners insurers in Florida. Competitors include State Farm, Citizens Property Insurance, and Tower Hill Insurance.
- Market Share (%): 4
- Commercial Residential Insurance: Covering commercial property risks. Competitors include State Farm, Citizens Property Insurance, and Tower Hill Insurance.
- Market Share (%): 1.3
Market Dynamics
Industry Overview
The property and casualty insurance industry is highly competitive and subject to regulatory oversight, particularly in states like Florida with high risk of natural disasters. Factors like climate change, interest rates, and reinsurance costs significantly impact the industry.
Positioning
Universal Insurance Holdings is a regional player, largely focused on coastal states, particularly Florida. Its competitive advantage lies in its understanding of the Florida market and its relationships with independent agents.
Total Addressable Market (TAM)
The total addressable market for property and casualty insurance in the US is estimated to be in the hundreds of billions of dollars. Universal Insurance Holdings, with its focus on specific regions and product lines, captures a small but significant portion of this TAM.
Upturn SWOT Analysis
Strengths
- Strong presence in the Florida insurance market
- Established relationships with independent agents
- Expertise in handling hurricane-related claims
- Diversified product offerings within the property and casualty sector
Weaknesses
- Geographic concentration in high-risk coastal areas
- Vulnerability to major hurricane events
- Reliance on reinsurance to manage risk
- Profitability is significantly impacted by catastrophe losses
Opportunities
- Expanding into new geographic markets with less hurricane risk
- Developing new insurance products and services
- Leveraging technology to improve efficiency and reduce costs
- Acquiring smaller insurance companies to increase market share
Threats
- Increasing frequency and severity of hurricanes due to climate change
- Rising reinsurance costs
- Regulatory changes in the insurance industry
- Competition from larger, national insurance companies
Competitors and Market Share
Key Competitors
- State Farm (NA)
- Citizens Property Insurance (NA)
- Tower Hill Insurance (NA)
- Progressive (PGR)
Competitive Landscape
Universal Insurance Holdings competes with both large, national insurance companies and smaller, regional players. Its advantages include its local expertise and relationships, while its disadvantages include its geographic concentration and vulnerability to catastrophe losses.
Major Acquisitions
American Capital Assurance Corp.
- Year: 2013
- Acquisition Price (USD millions): 18
- Strategic Rationale: To expand market presence in Florida and increase policy count.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been driven by expansion within Florida and other coastal states, as well as acquisitions.
Future Projections: Future growth is projected to be moderate, contingent on managing catastrophe risk, controlling costs, and expanding into new markets. Analyst estimates are varied due to the uncertainty surrounding hurricane activity.
Recent Initiatives: Recent initiatives include implementing technology to improve claims processing, expanding into new states, and strengthening relationships with independent agents.
Summary
Universal Insurance Holdings is a regional property insurer highly concentrated in Florida and exposed to hurricane risk. While the company has a strong presence in its core market, profitability is volatile due to catastrophic events and reinsurance costs. Expansion into new markets and effective risk management are critical for future success. Overall, Universal Insurance Holdings' future is heavily dependent on its ability to manage the challenges posed by climate change and regulatory pressures in the Florida insurance market.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings (10K, 10Q), Investor Presentations, News Articles, Industry Reports
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Financial data and market conditions are subject to change. Market share data is approximate and based on available information. Actual results may vary.
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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