# UNIVERSAL INSURANCE HOLDINGS INC (UVE) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Financial Services / Insurance. Price $44.14, market value $1.2 billion.

## Valuation
- **P/E (trailing): 5.8×** (5-yr avg 10.9×, 3-yr avg 7.4×). UNIVERSAL INSURANCE HOLDINGS INC trades at 5.8× trailing earnings, well below its own five-year average of 10.9×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 9.8×, higher than trailing, so analysts expect earnings to fall.
- **PEG: 0.05**. A PEG of 0.05 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 0.8×**. Each dollar of revenue is priced at 0.8×, a low multiple typical of thin-margin businesses or out-of-favour stocks.
- **Price / book: 1.9×**. The shares trade at 1.9× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 27.7%** (5-yr avg 47.6%). Free cash flow equals 27.7% of the market value, below its five-year average of 47.6%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 17.2%**. The inverse of the P/E: 17.2% of the price is earned each year.

## Profitability
- **Net margin: 11.4%**. 11.4% of each dollar of sales reaches the bottom line.
- **Return on equity: 33.2%**. 33.2% on shareholders' equity is excellent if it is not driven by leverage; sustained above 20% usually signals a competitive advantage.
- **Return on assets: 7.7%**. Each dollar of assets produces 7.7% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 5.5%** (3-yr 9.5%/yr, 5-yr 8.4%/yr). Revenue grew 5.5% over the last year, against 8.4% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): 214.4%** (5-yr 60.1%/yr). Earnings per share rose 214.4%, faster than revenue, so margins expanded or the share count shrank.
- **Free-cash-flow growth (3 yr): 5.7%/yr**. Free cash flow has compounded at 5.7% a year over three years.

## Financial health
- **Piotroski F-score: 7/9**. 7 of 9 fundamental checks pass: strong and improving financials.
- **Cash and short-term investments: $409 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 1.45%** ($0.64 per share, trailing). UNIVERSAL INSURANCE HOLDINGS INC yields 1.45%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 12%** (7% of free cash flow). 12% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 15**. 15 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 0.0%/yr** (1-yr 0.0%). The dividend has not grown over five years.

## Price and momentum
- **Total return (1 yr): 76.4%** (YTD 31.7%, 3-mo 18.2%). The shares are up 76.4% over twelve months including dividends.
- **From 52-week high: -2.2%** (82.9% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 57**. An RSI of 57 is neutral.
- **Beta (1 yr): 0.08** (volatility 39%). Beta of 0.08 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=UVE · Page: https://foliofundamentals.com/stocks/uve

Not investment advice.