Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
UVE
Strong BuyAPPROVEUniversal Insurance Holdings, Inc. · Financial Services · United States · $1.2B · Avg Vol: $9M/d
Universal Insurance is undergoing a fundamental re-rating. Insider buying and an active buyback program demonstrate management's conviction in their improved underwriting margins. The company is successfully navigating the regulatory-intensive insurance landscape, positioning itself as a core infrastructure beneficiary in a world of rising financial crime and complex risk, as evidenced by recent analyst upgrades.
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 | 1.6B | 1.6B | -0.8% |
| EPS | -0.72 | 2.24 | 2.07 | 6.56 | 71.1% | 7.61 | 5.50 | 4.76 | -14.8% |
| Shares | 30.4M | 29.0M | 28.1M | 28.0M | -7.8% | 27.8M | — | — | — |
| Debt | 102.8M | 102.0M | 101.2M | 100.5M | -0.7% | 97.9M | — | — | — |
| Equity | 287.9M | 341.3M | 373.3M | 551.0M | 24.2% | — | — | — | — |
| Op CF | 324.5M | 71.0M | 137.4M | 381.5M | 5.5% | 344.4M | — | — | — |
| 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) | $1.2B | 95 | Strong Buy |
| HRTG | Heritage Insurance Holdings, Inc. | $1.0B | 94 | Strong Buy |
| UFCS | United Fire Group, Inc. | $1.4B | 90 | Strong Buy |
| ASIC | Ategrity Specialty Insurance Co | $1.3B | 88 | Strong Buy |
| AII | American Integrity Insurance Group, Inc. | $516M | 97 | Strong Buy |
| SLDE | Slide Insurance Holdings, Inc. | $2.7B | 98 | Strong Buy |
| HIPO | Hippo Holdings Inc. | $876M | 80 | Buy |
| DGICB | Donegal Group Inc. | $860M | 77 | Buy |
| HCI | HCI Group, Inc. | $2.3B | 83 | Strong Buy |
| SAFT | Safety Insurance Group, Inc. | $1.5B | 73 | Buy |
Peer medians: ROE 9.7% · P/E 13.1x · Gross margin 100.0%