Universal Insurance Holdings pairs a 4-for-4 earnings beat streak, a 41% return on equity and a forward P/E of 8.7x, but the stock now trades above the $43.35 analyst target and a property insurer carries catastrophe risk.
Thesis pillars
- Perfect Earnings Beat Streak↑Improving
- High Return On Equity↑Improving
- Cheap Forward Valuation→Stable
- +2 more pillars — see the Why tab for full reasoning
Pillars as of Nov 1, 2026, based on the 10-K filed Feb 27, 2026
UNIVERSAL INSURANCE HOLDINGS IN (UVE) Stock Analysis
Inst Constrain edge
Financial Services · Insurance - Property & Casualty
Hold if already holding. Not a fresh buy at $48.50, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (4.4% away).
Universal Insurance Holdings is a Florida-based holding company that underwrites personal residential homeowners insurance through its subsidiaries UPCIC and APPCIC, distributing policies via roughly 9,500 independent agents and its Clovered digital agency across 19 states. The... Read more
Hold if already holding. Not a fresh buy at $48.50, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (4.4% away). Chart setup: No clear chart pattern; technical signals are mixed. Maintain position. Not compelling to add more. Score 6.6/10, high confidence.
Passes 7/9 gates (positive momentum, clean insider activity, no SEC red flags, news boost analyst 0.40, earnings proximity 115d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: speculative.
About UNIVERSAL INSURANCE HOLDINGS IN
About UNIVERSAL INSURANCE HOLDINGS IN
Universal Insurance Holdings underwrites personal residential homeowners, renters, condo, and dwelling-fire insurance through UPCIC and APPCIC, its two Florida-domiciled insurance subsidiaries, which together held approximately $509.1 million of combined statutory capital and surplus at December 31, 2025. The company writes business in 19 states, but 72.6% of 2025 direct premiums written came from Florida. UPCIC and APPCIC are both regulated by the Florida Office of Insurance Regulation and rated 'A' (Exceptional) by Demotech.
Beyond underwriting premium, Universal earns fee income through vertically integrated subsidiaries: Evolution Risk Advisors serves as managing general agent and collects fees for underwriting and policy administration, Alder Adjusting handles claims processing and earns fee income adjusting claims ceded to reinsurers, and the Clovered digital agency earns non-risk-bearing commissions placing policies with third-party carriers. The company distributes primarily through approximately 9,500 independent agents, split roughly 3,900 in Florida and 5,600 elsewhere, and mitigates catastrophe exposure through an excess-of-loss reinsurance program supplemented by the Florida Hurricane Catastrophe Fund (FHCF), which currently provides $17 billion of aggregate annual capacity to participating insurers and from which the Insurance Entities purchase reimbursement protection at the maximum mandatory level. In the Florida market, Universal competes not only with national and regional carriers but with Citizens Property Insurance Corporation, the state-backed insurer of last resort whose statutorily capped rates can undercut admitted-market pricing during hard markets.
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Universal's results hinge disproportionately on a narrow slice of geography: the 10-K flags that the company's 'concentration in Florida, and in particular, in Broward, Palm Beach and Miami-Dade counties' exposes it to hurricanes and other South Florida catastrophes more acutely than insurers spread across the country. With 72.6% of 2025 direct premiums written in Florida, adverse regulatory, legal, or weather developments specific to that state — rather than a national trend — would disproportionately drive Universal's results, a dynamic the company itself says has 'a more pronounced effect' on it than on more geographically diversified insurers.
See also: Financial Services · Insurance - Property & Casualty
From UNIVERSAL INSURANCE HOLDINGS IN's most recent 10-K filing, extracted July 6, 2026.
Recent developments
updated 2026-11-02Recent Developments — UNIVERSAL INSURANCE HOLDINGS IN
Latest news
- NEWS Universal Insurance Holdings: Reforms In Florida Have Restored Profitability (NYSE:UVE) - Seeking Alpha — Seeking Alpha positive
- NEWS Universal Insurance Holdings Inc (UVE) Earnings Forecast: Future EPS & Revenue Growth Estimates - TradingKey — TradingKey neutral
- NEWS Is the 6.26 P/E at Universal Insurance (NYSE:UVE) Masking Hurricane-Season Risk Before Its October 22 Earnings? - kalkin — kalkine.ca neutral
- NEWS Universal Insurance (NYSE:UVE) Reaches New 1-Year High - Still a Buy? - MarketBeat — MarketBeat positive
- NEWS Universal Insurance Holdings Down Over 9%, on Pace for Largest Percent Decrease Since October 2024 -- Data Talk - Moomoo — Moomoo negative
Generated 2026-11-02T11:33:17Z.
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Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. How we score · Editorial policy
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Rating Breakdown
1 ceiling hit
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Earnings
Verdict History
Frequently Asked Questions
Hold if already holding. Not a fresh buy at $48.50, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (4.4% away). Chart setup: No clear chart pattern; technical signals are mixed. Maintain position. Not compelling to add more. Analyst target $43.35 reached (−10.6%), stop $45.48 (−6.6%), A.R:R -0.8:1. Score 6.6/10, high confidence.
Analyst target $43.35 reached (−10.6% from $48.50); no take-profit level is published. Analyst target $43.35 reached (−10.6%), stop $45.48 (−6.6%), A.R:R -0.8:1. Stop-loss: $45.48.
Analyst target reached - limited upside remaining; Near 52-week high (4.4% away).
UNIVERSAL INSURANCE HOLDINGS IN trades at a P/E of 6.0 (forward 8.7). TrendMatrix value score: 9.8/10. Verdict: Hold.
9 analysts cover UVE with a consensus score of 2.3/5. Average price target: $51.
What does UNIVERSAL INSURANCE HOLDINGS IN do?Universal Insurance Holdings is a Florida-based holding company that underwrites personal residential homeowners...
Universal Insurance Holdings is a Florida-based holding company that underwrites personal residential homeowners insurance through its subsidiaries UPCIC and APPCIC, distributing policies via roughly 9,500 independent agents and its Clovered digital agency across 19 states. The company generates premium and fee income primarily from Florida homeowners coverage, with 72.6% of 2025 direct premiums written in that state, and relies heavily on reinsurance, including the Florida Hurricane Catastrophe Fund, to manage hurricane exposure.