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UVE 
Universal Insurance Holdings Inc (UVE)
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Upturn Advisory Summary
12/05/2025: UVE (1-star) is a SELL. SELL since 1 days. Simulated Profits (21.98%). Updated daily EoD!
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 $35
1 Year Target Price $35
| 0 | Strong Buy |
| 1 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 24.97% | Avg. Invested days 53 | Today’s Advisory SELL |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 12/05/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 881.56M USD | Price to earnings Ratio 7.34 | 1Y Target Price 35 |
Price to earnings Ratio 7.34 | 1Y Target Price 35 | ||
Volume (30-day avg) 1 | Beta 0.75 | 52 Weeks Range 18.25 - 35.66 | Updated Date 12/6/2025 |
52 Weeks Range 18.25 - 35.66 | Updated Date 12/6/2025 | ||
Dividends yield (FY) 2.01% | Basic EPS (TTM) 4.24 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 7.74% | Operating Margin (TTM) 13.56% |
Management Effectiveness
Return on Assets (TTM) 3.67% | Return on Equity (TTM) 27.34% |
Valuation
Trailing PE 7.34 | Forward PE - | Enterprise Value 596487057 | Price to Sales(TTM) 0.56 |
Enterprise Value 596487057 | Price to Sales(TTM) 0.56 | ||
Enterprise Value to Revenue 0.38 | Enterprise Value to EBITDA - | Shares Outstanding 28048881 | Shares Floating 25440055 |
Shares Outstanding 28048881 | Shares Floating 25440055 | ||
Percent Insiders 11.37 | Percent Institutions 75.16 |
Upturn AI SWOT
Universal Insurance Holdings Inc
Company Overview
History and Background
Universal Insurance Holdings Inc. was founded in 1994. It has grown from a regional insurer to a national provider of personal residential and commercial residential insurance products. They expanded organically and via strategic acquisitions.
Core Business Areas
- Personal Residential Insurance: Provides homeowners insurance, dwelling fire, and flood coverage primarily in Florida and other states. Catastrophe exposure is significant.
- Commercial Residential Insurance: Offers insurance coverage for multi-family residential properties. This segment operates in select states.
Leadership and Structure
Sean P. Downes serves as the Chairman and CEO. The company has a standard corporate structure with executive leadership overseeing various departments like underwriting, claims, finance, and technology.
Top Products and Market Share
Key Offerings
- Homeowners Insurance: The primary offering, providing coverage for property damage, liability, and other risks associated with owning a home. Market share varies by state, with a significant presence in Florida. Competitors include State Farm, Allstate, and Citizens (in Florida).
- Dwelling Fire Insurance: Coverage for properties that are not owner-occupied. Competitors include many of the same companies offering homeowners insurance.
- Flood Insurance: Coverage specifically for flood damage, often sold in conjunction with other property insurance policies. Competitors include the NFIP and other private flood insurers.
Market Dynamics
Industry Overview
The property and casualty insurance industry is highly competitive and heavily regulated. It's influenced by factors such as weather patterns, interest rates, and regulatory changes.
Positioning
Universal Insurance Holdings Inc. is positioned as a major player in the Florida homeowners insurance market and expanding nationally. Competitive advantages include established distribution network and claims handling capabilities. Catastrophe exposure creates volatility.
Total Addressable Market (TAM)
The US property and casualty insurance market is estimated to be $800 billion. Universal Insurance Holdings Inc. captures a small percentage of the TAM due to regional focus and specialty in catastrophe-prone areas.
Upturn SWOT Analysis
Strengths
- Established presence in Florida
- Strong distribution network
- Experience in handling catastrophe claims
- Diversifying geographic footprint
- Technology investments improving efficiency
Weaknesses
- High concentration in Florida market
- Significant exposure to hurricane losses
- Vulnerability to reinsurance rate fluctuations
- Lower financial strength rating than larger competitors
Opportunities
- Geographic expansion into less catastrophe-prone states
- Product diversification (e.g., offering additional insurance lines)
- Technological advancements to improve risk assessment
- Acquisition of smaller regional insurers
Threats
- Increased frequency and severity of natural disasters
- Regulatory changes in key states (e.g., Florida)
- Competition from larger, better-capitalized insurers
- Rising reinsurance costs
Competitors and Market Share
Key Competitors
- ALL
- TRV
- WRB
- HIG
- L
Competitive Landscape
Universal Insurance Holdings Inc faces competition from larger national insurers with greater financial resources and brand recognition. Its advantage lies in its deep understanding of the Florida market and its ability to handle catastrophe claims.
Major Acquisitions
American Capital Assurance Corp.
- Year: 2010
- Acquisition Price (USD millions): 50
- Strategic Rationale: Expanded presence in Florida homeowners insurance market.
Growth Trajectory and Initiatives
Historical Growth: Historically, growth has been driven by expansion in Florida and strategic acquisitions. Catastrophe losses have impacted profitability and slowed growth in some years.
Future Projections: Analyst estimates project moderate revenue growth driven by geographic expansion and product diversification. Profitability is expected to remain volatile due to catastrophe risk.
Recent Initiatives: Recent initiatives include expanding into new states, investing in technology to improve underwriting and claims handling, and diversifying product offerings.
Summary
Universal Insurance Holdings Inc. is a significant player in the Florida homeowners insurance market, but its high concentration and catastrophe exposure create volatility. Geographic diversification and technological investments offer opportunities for future growth. However, competition and rising reinsurance costs pose challenges to its long-term success. They are managing catastrophe claims well, but more geographic diversity is needed.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Analyst estimates
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Investment decisions should be made based on thorough research and consultation with a qualified financial advisor.
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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