UVE · Universal Insurance Holdings, Inc.
$44.22
+0.88 (+2.03%)
At close · Jul 28
Market Cap
$1.23B
Shares
27.91M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$44.22
Open$43.34
Day$42.63–44.57
52W$21.52–44.57
Avg vol 30d205K
Short int1.4M · 4.9% float · 5.3d
Short vol38%
Last earningsJul 23, 2026
DataJan 2020–Jul 2026
Filing10-Q · Apr 29
Up next
Next earnings call
Oct 22, 2026
Est · unconfirmed
· in 12 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Apr 29, 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
Strong Buy
Momentum
Very Strong
Sentiment
Bearish
Fundamentals
Excellent
Quant / Vol
Moderate
Market backdrop
VIX 18.2 · elevated
Equity put/call 0.71
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+27%
above
Price vs 50-day avg
+12%
above
RSI (14)
65
neutral
MACD trend
Positive
52-week position
98%
near high
Momentum
relative strength
1-month return
+5%
trailing
6-month return
+42%
trailing
YTD return
+31%
this year
Relative strength
+35%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $39 › 200d $35 — 50d above 200d
Institutional flow
Distributing
41 of 215 funds reported for Jun 30 · net -26.3K sh shares · +6 new
Insider flow
Distributing
Net -$1.8M over 90 days · 100% sells
Short interest
Rising
4.85% of float · ▲ +41.8% MoM · 5.3 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
215 holders — near 3-yr high, broad support
Squeeze score
88
high risk · 0–100
Fundamentals
Revenue growth
+5%
Y/Y
EPS growth
+214%
Y/Y
Free cash flow
$377.1M
Valuation
P/E 6.6
below peers
Buyback
$8.6M
remaining
Balance sheet
$308.4M
net cash
Quant / Vol
risk profile
Volatility
38%
annualized · 1-yr
Max drawdown
−18%
past year
ATR
3.8%
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 Strong Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+27%
Bullish
Price vs 50-day avg
+12%
Bullish
RSI (14)
65
Neutral
MACD trend
Positive
Bullish
52-week position
98%
Bullish
Market signals — smart money & positioning
Bearish · 3 of 6
Trend (MA cross)
No cross
50d $39 › 200d $35 — 50d above 200d
Institutional flow
Distributing
41 of 215 funds reported for Jun 30 · net -26.3K sh shares · +6 new
Insider flow
Distributing
Net -$1.8M over 90 days · 100% sells
Short interest
Rising
4.85% of float · ▲ +41.8% MoM · 5.3 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
215 holders — near 3-yr high, broad support
Price context
position in its 52-week range
52-wk low $22
Now $44 · 98%
52-wk high $45
vs 200-day avg +27%
vs 50-day avg +12%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from its earnings releases, calls, and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Adjusted book value per share, end of period non-GAAP | $24.17 | Three Months Ended June 30, 2026 | — |
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| Adjusted operating income margin non-GAAP | 17.6% | Three Months Ended June 30, 2026 | — |
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| Annualized adjusted ROCE non-GAAP | 33.2% | Three Months Ended June 30, 2026 | — |
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| Annualized ROCE | 38.8% | Three Months Ended June 30, 2026 | — |
| Ceded premium ratio | 30.8% | Three Months Ended June 30, 2026 | — |
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| Combined ratio | 91.6% | Three Months Ended June 30, 2026 | — |
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| Core revenue non-GAAP | $419,376K | Three Months Ended June 30, 2026 | — |
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| Direct premiums earned | $544,806K | Three Months Ended June 30, 2026 | — |
| Direct premiums written | $621,314K | Three Months Ended June 30, 2026 | — |
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| Policies in force | 934,371 | Three Months Ended June 30, 2026 | — |
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| Premiums in force | $2,204,705K | Three Months Ended June 30, 2026 | — |
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| Expense ratio | 25.8% | Three Months Ended March 31, 2026 | — |
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| Loss ratio | 63.9% | Three Months Ended March 31, 2026 | — |
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| Adjusted diluted earnings per common share non-GAAP | $2.17 | Q4 2025 | — |
| Adjusted net income available to common stockholders non-GAAP | 63,303K | Q4 2025 | — |
| Adjusted operating income non-GAAP | 85,694K | Q4 2025 | — |
| Total Insured Value | 393,349,532K | Q4 2025 | — |
Figures exactly as the company stated them · click a metric with a to chart its history · period links open the stating document · "call" marks figures stated on the earnings call, "filing" figures stated in the 10-K/10-Q · YoY needs the prior-year figure on file
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.
|
$1.23B | +31.4% | +5.5% | 6.6 | 4.9% |
|
CB
Chubb Ltd
|
$140.99B | +16.8% | +6.5% | 12.9 | 1.1% |
|
PGR
Progressive Corp/Oh/
|
$128.44B | +2.5% | +16.3% | 11.2 | 1.6% |
|
TKOMY
Tokio Marine Holdings, Inc.
|
$96.24B | +37.0% | — | — | 0.0% |
|
TRV
Travelers Companies, Inc.
|
$82.85B | +37.4% | +5.2% | 10.7 | 3.1% |
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 | +15.2% | +5.0% | +42.2% | +6.9% | +31.4% |
| SPY | -1.0% | 0.0% | +7.4% | -0.8% | +8.6% |
| vs SPY | +16.2% | +5.0% | +34.8% | +7.7% | +22.8% |
Capital returns
Latest dividend
$0.16
/ share · ex May 8, 2026
Paid (TTM)
$0.77
/ share · 4 payouts
Dividend yield (TTM, derived)
1.74%
Buyback program
· as of Jul 23, 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.