Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
UVE
STRONG BUYUniversal Insurance Holdings, Inc. · Financial Services · United States · $1.1B · Avg Vol: $9M/d
COMPANY DESCRIPTION
Universal Insurance Holdings, Inc. is a property and casualty insurance holding company specializing in homeowners' insurance, primarily in catastrophe-exposed regions like Florida. The company employs a vertically integrated model, utilizing its own managing general agency, claims adjusting, and other service companies to control the insurance value chain. This structure allows UVE to manage risk and costs effectively within its specific, high-demand market niche.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1.2B | 1.4B | 1.5B | 1.6B | 9.5% | 1.6B | 1.5B | 1.6B | -1.1% |
| EPS | -0.72 | 2.24 | 2.07 | 6.56 | 71.1% | 6.77 | 5.03 | 4.66 | -15.8% |
| Shares | 47.2M | 47.3M | 47.5M | 48.2M | +2.2% | — | — | — | — |
| Debt | 102.8M | 102.0M | 101.2M | 100.5M | -0.7% | 100.3M | — | — | — |
| Equity | 287.9M | 341.3M | 373.3M | 551.0M | 24.2% | — | — | — | — |
| Op CF | 324.5M | 71.0M | 137.4M | 381.5M | 5.5% | 349.5M | — | — | — |
| Inv CF | -148.9M | -15.3M | -228.1M | -113.6M | — | — | — | — | — |
| Fin CF | -37.5M | -47.1M | -47.1M | -52.1M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of UVE are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| UVE | Universal Insurance Holdings, Inc.(you) | $1.1B | 98 | STRONG BUY |
| UFCS | United Fire Group, Inc. | $1.3B | 94 | STRONG BUY |
| SLDE | Slide Insurance Holdings, Inc. | $2.2B | 99 | STRONG BUY |
| HRTG | Heritage Insurance Holdings, Inc. | $783M | 91 | STRONG BUY |
| BOW | Bowhead Specialty Holdings Inc. | $978M | 82 | STRONG BUY |
| DGICB | Donegal Group Inc. | $889M | 82 | STRONG BUY |
| HCI | HCI Group, Inc. | $2.3B | 90 | STRONG BUY |
| ASIC | Ategrity Specialty Insurance Co | $1.0B | 76 | BUY |
| SKWD | Skyward Specialty Insurance Group, Inc. | $2.4B | 87 | STRONG BUY |
| ACIC | American Coastal Insurance Corporation | $540M | 83 | STRONG BUY |
Peer medians: ROE 10.1% · P/E 13.9x · Gross margin 0.0%