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/UVE
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Universal Insurance Holdings Inc

Universal Insurance Holdings Inc

UVE
$44.33USD+0.25%+0.11 today

MARKET CAP

1.2B

P/E (TTM)

6.6x

FWD P/E

DAY RANGE

$44 – $45

52W RANGE

$25
$45

AI Summary

Stalk
StalkMedium

UVE remains in a Stage 2 uptrend with higher highs and lows above rising EMAs and the 50-period SMA. It is consolidating within the 9/20-EMA and near-term resistance under neutral OB/OS and RSI conditions, showing no exhaustion. Medium-term bias stays bullish, but short-term timing requires patience. A pullback into the EMA/SMA confluence or a breakout above 44.33 would offer favorable buy engagement, while a sustained break below the 20-EMA and then the 50-SMA would invalidate the current uptrend.

  • Q2 adjusted EPS $1.84 (+49.6% YoY) and 33.2% ROE
  • Core revenue $419.4M (+4.6% YoY) and direct premiums $621.3M (+4.1%)
  • Net expense ratio climbed to 26.8% (+1.3 pts YoY), squeezing margins
Full analysis →
STATEMENT·Income statement
USD · GAAP
METRICFY 2021FY 2022FY 2023FY 2024FY 2025TREND
Sales, Adj.$1.1B$1.2B$1.4B$1.5B$1.6B
YoY %+6.9%+9.0%+13.8%+9.3%+5.5%
P / Sales0.5x0.3x0.4x0.4x0.6x
EV / Sales1.7x2.1x1.5x1.9x1.8x
Gross Profit, Adj.$342.6M$284.3M$190.9M$199.7M$367.8M
YoY %+9.1%-17.0%-32.8%+4.6%+84.1%
Margin %30.5%23.2%13.7%13.1%22.9%
EV / Gross Profit5.6x8.9x10.8x14.1x7.8x
EBITDA, Adj.$36.0M$-13.3M$102.2M$97.2M$255.9M
YoY %+22.2%-137.1%+865.9%-4.9%+163.3%
Margin %3.2%-1.1%7.3%6.4%16.0%
EV / EBITDA53.1x-189.5x20.2x29.1x11.2x
EBIT$29.1M$-20.6M$94.9M$91.1M$249.5M
YoY %+19.4%-171.0%+559.7%-4.0%+173.9%
Margin %2.6%-1.7%6.8%6.0%15.6%
EV / EBIT65.7x-122.5x21.8x31.0x11.5x
Net Income$20.4M$-22.3M$66.8M$58.9M$183.0M
YoY %+6.8%-209.1%+400.2%-11.8%+210.5%
Net Margin1.8%-1.8%4.8%3.9%11.4%
EPS (GAAP)$0.65-$0.72$2.22$2.01$6.32
YoY %+8.3%-210.8%+408.3%-9.5%+214.4%