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Upturn AI SWOT - About
UVE 
Universal Insurance Holdings Inc (UVE)
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Upturn Advisory Summary
10/15/2025: 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 17.43% | Avg. Invested days 48 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 795.47M USD | Price to earnings Ratio 12.21 | 1Y Target Price 29 |
Price to earnings Ratio 12.21 | 1Y Target Price 29 | ||
Volume (30-day avg) 1 | Beta 0.79 | 52 Weeks Range 18.31 - 30.48 | Updated Date 10/17/2025 |
52 Weeks Range 18.31 - 30.48 | Updated Date 10/17/2025 | ||
Dividends yield (FY) 2.29% | Basic EPS (TTM) 2.3 |
Earnings Date
Report Date 2025-10-23 | When - | Estimate -0.58 | Actual - |
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 12.21 | Forward PE - | Enterprise Value 485894900 | Price to Sales(TTM) 0.51 |
Enterprise Value 485894900 | Price to Sales(TTM) 0.51 | ||
Enterprise Value to Revenue 0.31 | Enterprise Value to EBITDA - | Shares Outstanding 28318558 | Shares Floating 25610171 |
Shares Outstanding 28318558 | Shares Floating 25610171 | ||
Percent Insiders 11.62 | Percent Institutions 75.7 |
Upturn AI SWOT
Universal Insurance Holdings Inc
Company Overview
History and Background
Universal Insurance Holdings, Inc. was founded in 1994 and went public in 2005. It has grown to become a significant personal lines insurance provider, primarily focusing on homeowners insurance.
Core Business Areas
- Personal Lines Insurance: Provides homeowners insurance, renters insurance, and flood insurance. Primarily operates in Florida but also has operations in other states. Coverage Includes, but not limited to: Condominium, Mobile Home, Rental Property and other properties.
- Commercial Lines Insurance: Offerings include commercial residential general liability, professional liability, business owners policy and commercial excess insurance.
Leadership and Structure
Sean P. Downes is the Chairman and CEO. The company has a typical corporate structure with departments covering finance, underwriting, claims, and marketing.
Top Products and Market Share
Key Offerings
- Homeowners Insurance: Homeowners insurance is Universal's core product. Market share in Florida is subject to change based on legislative impacts, but Universal is a major player. Competitors: State Farm, Citizens Property Insurance, Security First Insurance.
- Commercial Residential General Liability: Coverage for commercial residential properties. Market share not readily available; faces competition from larger national commercial insurers. Competitors include The Hartford and Travelers.
Market Dynamics
Industry Overview
The property insurance industry is highly competitive and heavily influenced by factors such as weather patterns, regulatory changes, and economic conditions.
Positioning
Universal positions itself as a leading provider of homeowners insurance, particularly in underserved markets like Florida. It has a competitive advantage in Florida due to its established presence and market familiarity.
Total Addressable Market (TAM)
The TAM for homeowners insurance in the U.S. is estimated at hundreds of billions of dollars annually. Universal's market share represents a small percentage of this overall market.
Upturn SWOT Analysis
Strengths
- Strong presence in Florida market
- Established distribution network
- Experienced management team
- Efficient claims processing
Weaknesses
- Geographic concentration in Florida exposes it to hurricane risk
- Vulnerable to regulatory changes in Florida
- Reliance on reinsurance
- Profitability affected by catastrophe losses
Opportunities
- Geographic expansion into other states
- Product diversification (e.g., offering more lines of insurance)
- Technological innovation in underwriting and claims processing
- Strategic acquisitions
Threats
- Increased competition in the homeowners insurance market
- Rising reinsurance costs
- Climate change increasing the frequency and severity of natural disasters
- Adverse regulatory changes in Florida
Competitors and Market Share
Key Competitors
- State Farm (N/A - Private)
- Citizens Property Insurance (N/A - State)
- Progressive Corp (PGR)
- The Allstate Corporation (ALL)
- Security First Insurance (N/A - Private)
Competitive Landscape
Universal competes based on price, coverage options, and customer service. It is strongest in Florida but faces challenges from larger, more diversified insurers in other markets.
Growth Trajectory and Initiatives
Historical Growth: Discuss revenue growth, expansion into new markets, and product diversification.
Future Projections: Analyst estimates for revenue, earnings, and growth should be summarized.
Recent Initiatives: New partnerships, technological investments, and product launches.
Summary
Universal Insurance Holdings operates primarily in the Florida homeowners insurance market, making it susceptible to hurricane seasons and regulatory challenges. While they have a stronghold in Florida, diversification is key to long-term stability. The company must carefully manage its reinsurance costs and regulatory relationships while considering geographic expansion to mitigate risk. Recent initiatives to streamline claims and adopt newer technologies could support future growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings (SEC)
- Market research reports
- Analyst estimates
- Industry publications
Disclaimers:
The data provided is for informational purposes only and should not be considered investment advice. Market share estimates are approximate and may vary depending on the source.
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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