YOLFTbeta
Universal Insurance Holdings Inc

Universal Insurance Holdings Inc

UVE · NYSE · Financial Services / Insurance - Property & Casualty

48.57USD+0.00 (0.00%)

Price History

Full chart

Market Stats

Previous Close48.57
Open48.75
Day Range48.28 – 48.93
52-Week Range25.15 – 45.14
Volume119.90K
Market Cap1.18B
P/E (TTM)5.56
Forward P/E9.98
EPS7.61
Dividend Yield1.52%
Beta0.73
50-Day Avg43.01
200-Day Avg37.21

About

Universal Insurance Holdings, Inc., together with its subsidiaries, operates as an integrated insurance holding company in the United States. The company 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. It 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.

Company Details

  • SectorFinancial Services
  • IndustryInsurance - Property & Casualty
  • CEOMr. Stephen Joseph Donaghy
  • Employees929
  • Headquarters1110 West Commercial Boulevard, Fort Lauderdale, FL, United States, 33309, USA
  • Websitehttps://www.universalinsuranceholdings.com

Leadership

  • Mr. Sean Patrick DownesExecutive Chairman · b. 1970
  • Mr. Stephen Joseph DonaghyCEO & Director · b. 1965
  • Mr. Frank Crawford Wilcox CPAChief Financial Officer · b. 1966
  • Ms. Kimberly Denice CamposChief Information Officer, Chief Administrative Officer & Director · b. 1978
  • Mr. Michael J. PoloskeyChief Operating Officer · b. 1970
  • Mr. Rob LutherChief Investment Officer
  • Mr. Gary Lloyd Ropiecki CPAPrincipal Accounting Officer & Secretary
  • Mr. Darryl Lamont LewisChief Legal Officer · b. 1965
  • Mr. Jason M. BurnsPresident of Blue Atlantic · b. 1980
  • Mr. Matthew John PalmieriChief Risk Officer · b. 1980

Financials

Income Statement

Currency: USD1991-12-311992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue100.00K400.00K1.20M1.00M400.00K400.00K100.00K8.50M8.10M9.15M13.44M9.26M6.48M8.00M19.66M65.15M188.51M182.67M210.64M239.92M225.86M269.94M301.16M369.28M546.54M685.29M751.92M823.82M939.35M1.07B1.12B1.22B1.39B1.52B1.60B
Growth (%)-+300.00%+200.00%-16.67%-60.00%0.00%-75.00%+8400.00%-4.71%+12.91%+46.95%-31.08%-30.04%+23.44%+145.81%+231.34%+189.36%-3.10%+15.31%+13.90%-5.86%+19.52%+11.57%+22.62%+48.00%+25.39%+9.72%+9.56%+14.02%+14.20%+4.58%+8.99%+13.82%+9.27%+4.94%
Cost of Revenue---------4.16M7.77M4.64M974.49K2.27M9.60M24.94M59.80M81.34M106.13M113.36M124.31M126.19M108.61M123.28M275.96M427.21M489.27M571.78M780.94M957.91M1.01B1.15B1.20B1.32B985.88M
Gross Profit100.00K400.00K1.20M1.00M-400.00K100.00K8.50M8.10M9.15M13.44M4.62M5.51M5.72M10.06M40.21M128.71M101.33M104.51M126.57M101.55M143.75M192.54M246.00M270.59M258.08M262.64M252.03M158.41M114.86M116.48M70.00M190.94M199.73M609.72M
Gross Margin100.00%100.00%100.00%100.00%-100.00%100.00%100.00%100.00%100.00%100.00%49.92%84.96%71.57%51.18%61.72%68.28%55.47%49.61%52.75%44.96%53.25%63.93%66.62%49.51%37.66%34.93%30.59%16.86%10.71%10.38%5.73%13.72%13.14%38.21%
Operating Expense500.00K1.20M1.90M2.00M-1.60M400.00K6.40M6.90M6.47M8.71M4.55M5.79M5.98M4.01M13.49M39.17M35.32M58.35M64.29M67.83M91.19M91.99M118.40M95.56M95.20M92.16M99.16M94.90M90.63M88.07M97.25M102.59M115.11M366.65M
Operating Income-400.00K-800.00K-700.00K-1.00M--1.20M-300.00K2.10M1.20M2.67M4.73M71.05K-281.53K-260.13K6.05M26.72M89.55M66.01M46.16M62.28M33.72M52.56M100.56M127.60M175.02M162.88M170.48M152.87M63.52M24.23M28.41M-27.25M88.35M84.61M243.07M
Operating Margin-400.00%-200.00%-58.33%-100.00%--300.00%-300.00%24.71%14.81%29.23%35.18%0.77%-4.34%-3.25%30.78%41.02%47.50%36.13%21.92%25.96%14.93%19.47%33.39%34.56%32.02%23.77%22.67%18.56%6.76%2.26%2.53%-2.23%6.35%5.56%15.23%
EBITDA-900.00K-1.10M-1.30M-1.60M-1.80M-1.80M-2.40M2.10M1.40M2.77M4.89M307.37K-12.57K130.11K6.43M27.08M89.92M66.49M46.65M63.11M34.36M53.40M101.57M128.80M177.06M166.13M174.54M157.69M68.47M29.43M35.91M-14.04M101.48M96.50M256.56M
EBITDA Margin-900.00%-275.00%-108.33%-160.00%-450.00%-450.00%-2400.00%24.71%17.28%30.31%36.35%3.32%-0.19%1.63%32.70%41.57%47.70%36.40%22.15%26.30%15.21%19.78%33.73%34.88%32.40%24.24%23.21%19.14%7.29%2.74%3.20%-1.15%7.29%6.35%16.08%
Net Income-500.00K-1.00M-1.40M-1.30M-1.50M-1.50M-2.40M2.10M1.20M-1.49M-3.04M71.05K-281.53K-260.13K6.51M17.19M54.00M40.04M28.79M36.98M20.11M30.31M58.98M72.99M106.48M99.41M106.94M117.05M46.51M19.11M20.41M-22.26M66.82M58.93M182.95M
Net Income Margin-500.00%-250.00%-116.67%-130.00%-375.00%-375.00%-2400.00%24.71%14.81%-16.27%-22.61%0.77%-4.34%-3.25%33.09%26.38%28.65%21.92%13.67%15.41%8.90%11.23%19.58%19.77%19.48%14.51%14.22%14.21%4.95%1.78%1.82%-1.82%4.80%3.88%11.47%
R&D--------------------0000000--------
R&D as % of Total Revenue--------------------0.00%0.00%0.00%0.00%0.00%0.00%0.00%--------
Interest Expense100.00K100.00K100.00K1.30M01.50M2.40M001.49M3.04M71.05K281.53K260.13K000000000000348.00K346.00K248.00K95.00K582.00K5.91M5.82M5.77M4.83M
Interest Expense % of Total Revenue100.00%25.00%8.33%130.00%0.00%375.00%2400.00%0.00%0.00%16.27%22.61%0.77%4.34%3.25%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.05%0.04%0.03%0.01%0.05%0.48%0.42%0.38%0.30%

Balance Sheet

Currency: USD1991-12-311992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets1.40M3.90M2.90M1.90M2.40M2.40M600.00K26.70M30.10M30.07M29.79M33.39M35.24M114.00M181.03M481.61M490.73M544.64M678.25M766.23M894.03M925.74M920.09M911.77M993.55M1.06B1.45B1.86B1.72B1.76B2.06B2.89B2.32B2.84B2.84B
Total Liabilities2.00M1.40M1.80M1.20M1.30M1.30M1.50M19.30M21.30M23.17M26.13M29.70M31.76M110.67M171.08M459.56M418.16M443.08M564.97M626.44M744.02M762.22M744.48M692.86M700.46M688.82M1.02B1.36B1.23B1.31B1.63B2.60B1.98B2.47B2.29B
Total Equity-600.00K2.50M1.10M700.00K1.10M1.10M-900.00K7.40M8.80M6.89M3.66M3.69M3.47M3.33M9.92M22.05M72.58M101.55M113.27M139.79M150.00M163.51M175.61M218.92M293.09M371.19M439.99M501.63M493.90M449.26M429.70M287.90M341.30M373.25M551.03M
Cash300.00K1.80M500.00K100.00K--1.20M12.00M16.30M10.40M10.50M4.59M8.01M22.44M48.04M232.89M214.75M256.96M192.92M147.59M229.69M347.39M117.28M115.40M197.01M105.73M213.49M166.43M182.11M167.16M250.51M388.71M397.31M259.44M408.87M
Total Debt-100.00K100.00K----100.00K--444.08K699.43K841.27K703.88K1.15M37.38M25.00M25.00M44.93M46.19M47.18M46.22M52.25M36.53M24.05M15.03M49.58M114.24M100.33M67.86M128.96M102.77M116.60M101.24M100.48M
Net Debt-300.00K-1.70M-400.00K-100.00K---1.20M-11.90M-16.30M-10.40M-10.06M-3.89M-7.17M-21.74M-46.89M-195.51M-189.74M-231.96M-147.99M-101.39M-182.51M-301.18M-65.03M-78.87M-172.96M-90.70M-200.62M-155.03M-172.18M-158.70M-146.83M-285.94M-280.70M-158.20M-308.39M

Cash Flow

Currency: USD1991-12-311992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow-700.00K-1.60M-1.00M-400.00K-400.00K-400.00K-500.00K8.40M4.90M-4.80M1.93M-8.52M3.59M15.89M26.97M153.38M537.34K52.84M37.79M-9.24M110.13M142.00M156.96M123.35M219.27M121.40M245.01M230.10M84.60M29.35M234.38M324.51M70.97M137.36M381.49M
Investing Cash Flow-100.00K-300.00K-300.00K-100.00K--100.00K--2.90M-500.00K-976.55K-415.30K2.42M224.88K-1.27M-1.82M-216.12K-804.57K-6.35M-85.82M-24.63M-2.33M-2.70M-352.68M-77.19M-83.05M-174.31M-85.71M-212.29M28.33M22.04M-229.40M-148.86M-15.25M-228.09M-113.61M
Financing Cash Flow1.00M3.50M-100.00K400.00K400.00K500.00K--100.00K-134.20K90.20K205.40K-388.11K-187.34K437.68K31.68M-17.88M-4.26M-16.00M-11.47M-11.76M-21.59M-34.39M-48.04M-54.60M-38.37M-51.55M-64.88M-97.24M-56.26M68.30M-37.46M-47.12M-47.13M-52.12M
Capital Expenditure100.00K300.00K300.00K100.00K100.00K100.00K00300.00K458.71K505.77K280.49K237.00K1.68M1.51M230.94K259.21K713.47K762.08K1.71M2.40M2.73M1.35M9.27M11.87M8.22M4.62M6.73M11.31M17.22M7.23M4.90M4.02M7.37M4.44M
Free Cash Flow-800.00K-1.90M-1.30M-500.00K-500.00K-500.00K-500.00K8.40M4.60M-5.26M1.42M-8.80M3.59M14.21M25.46M153.15M278.13K52.12M37.02M-10.95M107.73M139.27M155.61M114.08M207.40M113.17M240.39M223.37M73.28M12.13M227.15M319.62M66.95M129.99M377.06M
Dividends Paid--------100.00K49.95K198.90K49.95K49.95K49.95K49.95K4.56M7.33M18.35M20.34M12.55M12.77M18.96M17.75M19.25M22.30M24.20M24.01M25.52M26.12M24.56M24.20M23.78M23.29M22.33M22.18M
FCF to OCF114.29%118.75%130.00%125.00%125.00%125.00%100.00%100.00%93.88%109.55%73.77%103.29%100.00%89.43%94.39%99.85%51.76%98.65%97.98%118.56%97.83%98.08%99.14%92.49%94.59%93.23%98.12%97.07%86.63%41.34%96.92%98.49%94.34%94.64%98.84%
Dividend Paid to FCF--------2.17%-0.95%13.98%-0.57%1.39%0.35%0.20%2.97%2635.33%35.20%54.94%-114.65%11.85%13.61%11.41%16.88%10.75%21.38%9.99%11.42%35.64%202.42%10.65%7.44%34.78%17.18%5.88%

Earnings

Report DateMar 31, 1998Jun 30, 1998Sep 30, 1998Mar 31, 1999Jun 30, 1999Sep 30, 1999Mar 31, 2000Jun 30, 2000Sep 30, 2000Mar 31, 2001Sep 30, 2001Mar 31, 2002Jun 30, 2002Sep 30, 2002Mar 31, 2003Jun 30, 2003Sep 30, 2003Dec 31, 2003Mar 31, 2004Jun 30, 2004Sep 30, 2004Dec 31, 2004Mar 31, 2005Jun 30, 2005Sep 30, 2005Dec 31, 2005Mar 31, 2006Jun 30, 2006Sep 30, 2006Mar 31, 2007Jun 30, 2007Nov 15, 2007Mar 17, 2008May 13, 2008Aug 12, 2008Nov 10, 2008Mar 13, 2009May 12, 2009Aug 7, 2009Nov 6, 2009Mar 17, 2010May 11, 2010Aug 10, 2010Nov 10, 2010May 9, 2011Aug 8, 2011Nov 8, 2011Mar 26, 2012May 9, 2012Aug 8, 2012Nov 9, 2012Mar 11, 2013May 7, 2013Aug 6, 2013Nov 4, 2013Mar 4, 2014May 8, 2014Aug 6, 2014Oct 30, 2014Feb 25, 2015Apr 30, 2015Aug 4, 2015Oct 29, 2015Feb 24, 2016May 2, 2016Jul 28, 2016Nov 2, 2016Feb 21, 2017Apr 25, 2017Jul 31, 2017Nov 8, 2017Feb 20, 2018Apr 24, 2018Jul 25, 2018Oct 29, 2018Feb 28, 2019Apr 24, 2019Jul 31, 2019Oct 30, 2019Mar 2, 2020Apr 27, 2020Jul 29, 2020Oct 27, 2020Feb 25, 2021Apr 28, 2021Jul 28, 2021Oct 27, 2021Feb 24, 2022Apr 28, 2022Jul 27, 2022Oct 27, 2022Feb 23, 2023Apr 27, 2023Jul 27, 2023Oct 26, 2023Feb 22, 2024Apr 25, 2024Jul 25, 2024Oct 24, 2024Feb 20, 2025Apr 24, 2025Jul 24, 2025Oct 23, 2025Feb 19, 2026Apr 23, 2026Jul 23, 2026Oct 22, 2026
EPS Estimate------------------------------------------------0.070.07--0.250.300.33-0.430.370.390.520.520.550.670.720.630.810.600.300.700.730.230.790.870.971.000.330.981.000.50-1.040.840.500.10-1.000.630.520.60-1.610.550.38-2.51-0.490.930.78-0.280.251.041.15-1.030.091.121.09-0.580.941.391.430.03
EPS Actual0.030.070.020.030.030.030.040.01-0.050.10-0.160.03-0.050.040.000.00-0.00-0.010.000.00-0.020.000.030.000.080.080.090.050.100.300.430.330.250.350.280.180.180.310.190.28-0.070.210.270.360.340.190.02-0.060.240.190.200.110.290.440.400.440.380.490.610.590.620.690.840.820.710.940.750.380.860.820.280.891.121.291.08-0.191.001.050.61-1.570.610.52-1.43-0.840.840.650.63-1.530.640.47-2.270.720.790.87-0.160.431.071.18-0.730.251.441.231.362.172.001.84-
Surprise------------------------------------------------242.86%171.43%--16.00%46.67%21.21%--11.63%32.43%56.41%13.46%19.23%25.45%25.37%13.89%12.70%16.05%25.00%26.67%22.86%12.33%21.74%12.66%28.74%32.99%8.00%-157.58%2.04%5.00%22.00%-50.96%-27.38%4.00%-1530.00%16.00%33.33%25.00%5.00%4.97%16.36%23.68%9.56%246.94%-15.05%11.54%42.86%72.00%2.88%2.61%29.13%177.78%28.57%12.84%334.48%131.66%43.88%28.67%-
Timing------------------------------------------------After-hoursAfter-hours--After-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap1.18B
Enterprise Value747.65M
Trailing P/E5.56
Forward P/E9.98
PEG Ratio0.00
Price / Sales0.72
Price / Book1.86
EPS7.61
Book Value22.90
Revenue (TTM)1.63B
Gross Profit (TTM)421.50M
EBITDA305.72M
Profit Margin13.50%
Operating Margin19.11%
Return on Equity40.17%
Return on Assets5.69%
Shares Outstanding27.83M
Shares Float25.32M
Beta0.73
Dividend Yield1.52%
Dividend Rate0.64
Payout Ratio10.45%

Analyst Ratings

Buy
Based on 1 analystsTarget 45.00
  • Buy
    1

Ownership Breakdown

Institutions
77.78%
Insiders
11.09%
Retail / Other
11.13%

Top Institutional Holders

  • BlackRock Inc
    2.58M9.29%
  • Dimensional Fund Advisors, Inc.
    1.29M4.65%
  • Vanguard Capital Management, LLC
    1.12M4.01%
  • American Century Companies Inc
    1.11M3.98%
  • Geode Capital Management, LLC
    891.15K3.20%
  • Vanguard Portfolio Management, LLC
    761.99K2.74%
  • Donald Smith & Co Inc
    721.69K2.59%
  • The Goldman Sachs Group Inc
    654.20K2.35%
  • State Street Corp
    605.38K2.18%
  • Morgan Stanley - Brokerage Accounts
    602.96K2.17%
  • Two Sigma Investments LLC
    598.84K2.15%
  • RenaissanceRe Holdings Ltd
    583.77K2.10%
  • Arrowstreet Capital Limited Partnership
    509.85K1.83%
  • Jacobs Levy Equity Management, Inc.
    336.49K1.21%
  • Bridgeway Capital Management, LLC
    292.71K1.05%
  • LSV Asset Management
    274.30K0.99%

Top Fund Holders

  • Avantis US Small Cap Value ETF
    996.56K3.58%
  • Vanguard MStar Total Stk Mkt Idx Invest
    796.84K2.86%
  • iShares Russell 2000 ETF
    666.77K2.40%
  • Fidelity Small Cap Index
    275.70K0.99%

Dividends

20263×
0.16Jul 31, 20260.16May 8, 20260.16Mar 6, 2026
20254×
0.29Dec 5, 20250.16Aug 1, 20250.16May 9, 20250.16Mar 7, 2025
20244×
0.16Dec 6, 20240.16Aug 2, 20240.16May 9, 20240.16Mar 7, 2024
20234×
0.13Dec 7, 20230.16Aug 3, 20230.16May 11, 20230.16Mar 8, 2023
20224×
0.16Dec 8, 20220.16Aug 1, 20220.16May 12, 20220.16Mar 9, 2022
20214×
0.16Dec 9, 20210.16Jul 30, 20210.16May 13, 20210.16Mar 10, 2021
20201×
0.16Dec 10, 2020

Stock Splits

  • Dec 6, 19941:4