Universal Insurance Holdings, Inc. (UVE) has a MoatMap StockRank of 98/100 based on Quality (70/100), Value (65/100), and Momentum (60/100) factor scores. The current signal is STRONG BUY. Universal Insurance Holdings, a U.S. property & casualty insurer, benefits from higher interest rates on its float, aligning with the 'Sticky Rates' theme. However, its likely regional concentration in the U.S. exposes it to significant, unpredictable catastrophe risks (e.g., hurricanes). The asymmetric opportunity for a generic P&C insurer, where these benefits might be largely priced in or offset by claims volatility, is not as compelling or unpriced as required by the fund's philosophy.
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.
| Price | $38.98 |
| Market Cap | $1.1B |
| P/E (TTM) | 5.83 |
| P/E (Forward) | 8.96 |
| Price/Book | 2.00 |
| Return on Equity | 38.9% |
| Debt/Equity | 17.15 |
| Gross Margin | 24.0% |
| Operating Margin | 18.6% |
| Revenue Growth | -0.3% |
| Dividend Yield | 1.6% |
| Free Cash Flow | $338M |
Universal Insurance Holdings, Inc. operates in the Insurance - Property & Casualty industry, part of the Financial Services sector (United States).