UVE · Universal Insurance Holdings, Inc.
$42.44
+0.11 (+0.25%)
At close · Aug 21
Market Cap
$1.18B
Shares
27.83M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$42.33
Open$42.00
Day$41.72–42.83
52W close$24.16–45.08
Avg vol 30d216K
Short int1.3M · 4.8% float · 5.7d
Short vol56%
Last earningsJul 24, 2026
DataJan 2020–Aug 2026
Filing10-Q · Jul 30
Up next
Next earnings call
Oct 23, 2026
Est · unconfirmed
· in 9 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Jul 30, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Buy
Momentum
Very Strong
Sentiment
Bullish
Fundamentals
Excellent
Quant / Vol
Moderate
Market backdrop
VIX 14.9 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+18%
above
Price vs 50-day avg
+3%
above
RSI (14)
50
neutral
MACD trend
Negative
52-week position
87%
near high
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
+12%
trailing
6-month return
+20%
trailing
YTD return
+25%
this year
Relative strength
+9%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $41 › 200d $36 — 50d above 200d
Institutional flow
Accumulating
+1% holders QoQ · +34 funds added
Insider flow
Distributing
Net -$1.6M over 90 days · 100% sells
Short interest
Falling
4.83% of float · ▼ -0.8% MoM · 5.7 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
218 holders — near 3-yr high, broad support
Squeeze score
68
elevated · 0–100
Fundamentals
Revenue growth
+5%
Y/Y
EPS growth
+214%
Y/Y
Free cash flow
$377.1M
Valuation
P/E 5.6
below peers
Buyback
$8.6M
remaining
Balance sheet
$308.4M
net cash
Quant / Vol
risk profile
Volatility
39%
annualized · 1-yr
Max drawdown
−18%
past year
ATR
3.0%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+18%
Bullish
Price vs 50-day avg
+3%
Bullish
RSI (14)
50
Neutral
MACD trend
Negative
Bearish
52-week position
87%
Bullish
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross)
No cross
50d $41 › 200d $36 — 50d above 200d
Institutional flow
Accumulating
+1% holders QoQ · +34 funds added
Insider flow
Distributing
Net -$1.6M over 90 days · 100% sells
Short interest
Falling
4.83% of float · ▼ -0.8% MoM · 5.7 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
218 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $24
Now $42 · 87%
Range high $45
vs 200-day avg +18%
vs 50-day avg +3%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Adjusted book value per common share non-GAAP | $24.17 | As of June 30, 2026 | — |
| Adjusted book value per share, end of period non-GAAP | $24.17 | Three Months Ended June 30, 2026 | — |
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| Adjusted diluted earnings per common share non-GAAP | $1.84 | Three Months Ended June 30, 2026 | — |
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| Adjusted NI available to common stockholders non-GAAP | 111.17M | Six Months Ended June 30, 2026 | — |
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| Adjusted operating income non-GAAP | 151.84M | Six Months Ended June 30, 2026 | — |
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| Adjusted operating income margin non-GAAP | 18.6% | Six Months Ended June 30, 2026 | — |
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| Annualized Adjusted ROCE non-GAAP | 35.6% | Six Months Ended June 30, 2026 | — |
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| Annualized ROCE | 38.8% | Three Months Ended June 30, 2026 | — |
| Book value per share, end of period | $22.89 | Three Months Ended June 30, 2026 | — |
| Ceded premium ratio | 30.8% | Three Months Ended June 30, 2026 | — |
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| Combined ratio | 90.7% | Six Months Ended June 30, 2026 | — |
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| Core revenue non-GAAP | 817.54M | Six Months Ended June 30, 2026 | — |
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| Diluted adjusted earnings per common share non-GAAP | $3.85 | Six Months Ended June 30, 2026 | — |
| Direct premiums earned | 1.08B | Six Months Ended June 30, 2026 | — |
| Direct premiums written | $1.13B | Six Months Ended June 30, 2026 | — |
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| Direct premiums written - Florida | 453.17M | Three Months Ended June 30, 2026 | — |
| Direct premiums written - Other States | 168.15M | Three Months Ended June 30, 2026 | — |
| Expense ratio | 26.3% | Six Months Ended June 30, 2026 | — |
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| Loss ratio | 64.4% | Six Months Ended June 30, 2026 | — |
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| Other operating costs and expenses ratio | 8.2% | Six Months Ended June 30, 2026 | — |
| Policies in force | 934,371 | Three Months Ended June 30, 2026 | — |
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| Policies in force - Florida | 590,893 | As of June 30, 2026 | — |
| Policies in force - Other States | 343,478 | As of June 30, 2026 | — |
| Policies in force - Total | 934,371 | As of June 30, 2026 | — |
| Premiums in force | $2.2B | Three Months Ended June 30, 2026 | — |
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| Premiums in force - Florida | 1.57B | As of June 30, 2026 | — |
| Premiums in force - Other States | 630M | As of June 30, 2026 | — |
| Premiums in force - Total | 2.2B | As of June 30, 2026 | — |
| Total Insured Value - Florida | 195.91B | As of June 30, 2026 | — |
| Total Insured Value - Other States | 220.12B | As of June 30, 2026 | — |
| Total Insured Value - Total | 416.02B | As of June 30, 2026 | — |
| Total Insured Value | 393.35B | Q4 2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Insurance - Property & Casualty — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
UVE
this stock
Universal Insurance Holdings, Inc.
|
$1.18B | +25.2% | +5.5% | 5.6 | 4.8% |
|
CB
Chubb Ltd
|
$132.99B | +9.9% | +6.5% | 12.1 | 1.1% |
|
PGR
Progressive Corp/Oh/
|
$126.31B | -3.2% | +16.3% | 10.9 | 1.4% |
|
TKOMY
Tokio Marine Holdings, Inc.
|
$86.27B | +23.0% | — | — | 0.0% |
|
TRV
Travelers Companies, Inc.
|
$76.02B | +25.7% | +5.2% | 9.8 | 3.6% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Earnings & Events
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| UVE | -0.1% | +12.3% | +20.4% | -3.2% | +25.2% |
| SPY | -2.0% | +3.3% | +11.2% | +2.1% | +11.8% |
| vs SPY | +1.8% | +9.0% | +9.2% | -5.2% | +13.4% |
Capital returns
Latest dividend
$0.16
/ share · ex Jul 31, 2026
Paid (TTM)
$0.77
/ share · 4 payouts
Dividend yield (TTM, derived)
1.82%
Buyback program
· as of Jun 30, 2026
Authorized
$20.00M
Spent (derived)
$11.40M
Remaining
$8.60M
Spent
Remaining
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.