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What this page is: Delvantic's full research page for Universal Insurance Holdings, Inc. (UVE) — AI-driven forensic equity research: mechanical valuation models (DCF, EPV, anchored-PE, scenario) plus three independent AI lenses (Quality / Value / Sentiment). Everything below is rendered server-side; you are not missing content that requires JavaScript. All scores are predictions and research opinions, not financial advice.
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profile-header/price-overview— company profile, live quote, market capextended-analysis— the core: three AI lens reads with findings, scores, and the analyst memofuture-predictions— our forward price-band predictionsmarket-narrative/ai-findings/gpt-critique— narrative context, cross-model findings, and an adversarial critique of our own analysis (near the end of the document)- Members-only sections (render as login gates for anonymous readers):
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Financial Services · Insurance - Property & Casualty
Fort Lauderdale, FL 33309, United States
universalinsuranceholdings.com
Price
$45.02
Market Cap
$1.3B
Employees
1,068
Beta
0.73
Avg Volume
228,926
Last Dividend
$0.77
CEO
Mr. Stephen Joseph Donaghy
Universal Insurance Holdings, Inc. is a diversified insurance company primarily involved in providing homeowners insurance across the United States. The company's main function is to offer comprehensive coverage solutions that protect residential properties against a variety of risks, including those from natural disasters and theft. Notably, Universal Insurance Holdings caters to both individual homeowners and select property managers, operating across several states with a particular focus in regions prone to hurricanes and other environmental hazards. Besides its core insurance offerings, the company engages in reinsurance and risk management services to enhance its financial stability and mitigate potential losses. By maintaining a robust network of agents and relying on sophisticated underwriting and claims management processes, Universal Insurance Holdings plays a critical role in the insurance industry, supporting the financial security of homeowners and contributing to the resilience of affected communities. The company remains a pivotal player by adapting to regulatory changes, advancing technology use, and responding to the evolving needs of policyholders.
Runs with full report
Earnings Schedule
Checked daily · calendar updated Jul 30 No upcoming print on the calendar yet — companies typically confirm a few weeks ahead. Last print was Jul 23, 2026.
| Print date | EPS est. | EPS actual | Revenue est. | Revenue actual |
|---|---|---|---|---|
| Jul 23, 2026 | $1.43 | $1.84 +28.7% | — | — |
| Apr 23, 2026 | $1.39 | $2.00 +43.9% | — | — |
| Feb 24, 2026 | $1.30 | $2.17 +66.9% | — | — |
| Dec 17, 2025 | $-0.36 | $0.10 +127.8% | — | — |
| Oct 23, 2025 | $-0.58 | $1.36 +334.5% | — | — |
Green = beat the estimate, red = missed. An earnings print is the fastest way a thesis changes — our designations should be re-read after each one.
Recent SEC Filings
Last updated: Jul 30, 2026 6:43am (2h ago)| Filed | Form | Document |
|---|---|---|
| Jul 23, 2026 | 8-K | View |
| Jul 8, 2026 | 8-K | View |
| Jun 29, 2026 | 11-K | View |
| Jun 18, 2026 | 8-K | View |
| Jun 15, 2026 | 8-K | View |
| Jun 12, 2026 | 4 | View |
| Jun 12, 2026 | 4 | View |
| Jun 12, 2026 | 4 | View |
| Jun 12, 2026 | 4 | View |
| Jun 12, 2026 | 4 | View |
| Jun 12, 2026 | 4 | View |
| Jun 12, 2026 | 4 | View |
Filings link to the SEC’s EDGAR system. Annual/quarterly reports (10-K, 10-Q, 20-F) carry the full story; 8-K/6-K current reports are the fastest signal that something material happened.
Price Overview
Last updated: Jul 30, 2026 9:19am (just now)
Current data · timestamped when a report runs
$45.02
Change · Jul 30
+0.80 (+1.81%)
Day Range
$43.81 – $45.15
52-Week Range
$22.87 – $45.15
50-Day MA
$39.46
200-Day MA
$34.82
Volume
205,462.00
Share Structure
Outstanding
27,911,118.00
Float
25,342,179.00
Free Float
90.8%
High free float
— 90.8% of shares trade freely, ~9.2% held by insiders/institutions
Very liquid — most shares trade freely. Low insider ownership can mean less management alignment, but makes large position sizing straightforward.
Price History (1 Year)
Revenue & Net Income Trend
The directional story — useful even when net income is negative.
Revenue
The top line — total sales before any costs or taxes are subtracted. A measure of how much business the company is doing.
Net Income
The bottom line — profit left after subtracting all expenses, interest, and taxes from revenue. Reflects accounting profitability, but includes non-cash items like depreciation, so it isn't the same as cash earned.
Operating Cash Flow
The real cash generated by the day-to-day business — selling products, paying suppliers, collecting from customers. Calculated from net income by adding back non-cash items and adjusting for timing (unpaid bills, unsold inventory). When OCF consistently lags net income, the reported profit may not be converting to real money.
| Period | Revenue | Net Income | Net Margin | YoY/QoQ |
|---|
Key Metrics
TD Twelve Data statement
HEX SEC filing
P/E Ratio (Price per dollar of earnings)
HEXStock Price / EPS (Diluted)
7.12
Stock Price: $45.02
EPS (Diluted): 6.32
EPS (Diluted): 6.32
P/B Ratio (Price vs net asset value)
HEXStock Price / Book Value Per Share
2.37
Stock Price: $45.02
Total Equity: $551.04M
Shares: 28,947,943
Total Equity: $551.04M
Shares: 28,947,943
EV/EBITDA (Total value vs operating profit)
HEXEnterprise Value / EBITDA
—
Market Cap: $1.26B
Total Debt: $100.48M
Cash: $408.87M
EBITDA: N/A
Total Debt: $100.48M
Cash: $408.87M
EBITDA: N/A
EBITDA not available
Enterprise Value (Takeover price (cap + debt - cash))
HEXMarket Cap + Total Debt - Cash
$948.2M
Market Cap: $1.26B
Total Debt: $100.48M
Cash: $408.87M
Total Debt: $100.48M
Cash: $408.87M
Gross Margin (Revenue left after direct costs)
HEXGross Profit / Revenue
—
Gross Profit: N/A
Revenue: $1.60B
Revenue: $1.60B
Missing from API: Gross Profit
Operating Margin (Revenue left after all operations)
HEXOperating Income / Revenue
—
Operating Income: N/A
Revenue: $1.60B
Revenue: $1.60B
Missing from API: Operating Income
Net Margin (Revenue left as actual profit)
HEXNet Income / Revenue
11.4%
Net Income: $182.95M
Revenue: $1.60B
Revenue: $1.60B
ROE (Profit from shareholder equity)
HEXNet Income / Total Equity
33.2%
Net Income: $182.95M
Total Equity: $551.04M
Total Equity: $551.04M
ROIC (Profit from all invested capital)
HEXNOPAT / Invested Capital
—
Operating Income: N/A
Tax Rate: 24.7%
Equity: $551.04M
Total Debt: $100.48M
Cash: $408.87M
Tax Rate: 24.7%
Equity: $551.04M
Total Debt: $100.48M
Cash: $408.87M
Missing from API: Operating Income
Current Ratio (Can it pay short-term bills)
HEXCurrent Assets / Current Liabilities
—
Current Assets: N/A
Current Liabilities: N/A
Current Liabilities: N/A
Missing from API: Current Assets, Current Liabilities
Debt/Equity (Leverage — debt vs equity)
HEXTotal Debt / Total Equity
0.18
Short-Term Debt: $0.00
Long-Term Debt: $100.48M
Total Debt: $100.48M
Total Equity: $551.04M
Long-Term Debt: $100.48M
Total Debt: $100.48M
Total Equity: $551.04M
Rev/Share (Top-line per share)
HEXRevenue / Shares Outstanding
$55.41
Revenue: $1.60B
Shares: 28,947,943
Shares: 28,947,943
Book Value/Share (Net assets per share)
HEX(Total Assets - Total Liabilities) / Shares
$19.04
Total Equity: $551.04M
Shares: 28,947,943
Shares: 28,947,943
FCF/Share (Real cash generated per share)
HEX(Operating Cash Flow + CapEx) / Shares
$13.03
Operating CF: $381.49M
CapEx: -$4.44M
Shares: 28,947,943
CapEx: -$4.44M
Shares: 28,947,943
CapEx is negative (outflow) — added to OCF to get FCF
Div Yield (Annual income from holding)
TDLast Annual Dividend / Stock Price
1.7%
Last Dividend: $0.77
Stock Price: $45.02
Stock Price: $45.02
Payout Ratio (Earnings paid out as dividends)
HEXDividends Paid / Net Income
12.1%
Dividends Paid: -$22.17M
Net Income: $182.95M
Net Income: $182.95M
Income Statement (Annual)
Last updated: Jul 30, 2026 6:43am (2h ago)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Revenue | $1.1B | $1.2B | $1.4B | $1.5B | $1.6B |
| Cost of Revenue | — | — | — | — | — |
| Gross Profit | — | — | — | — | — |
| Operating Expenses | $87.4M | $90.6M | $96.1M | $108.6M | $118.3M |
| Operating Income | — | — | — | — | — |
| Net Income | $20.4M | -$22.3M | $66.8M | $58.9M | $183.0M |
| EBITDA | — | — | — | — | — |
| EPS | $0.65 | $-0.72 | $2.24 | $2.07 | $6.56 |
| EPS (Diluted) | $0.65 | $-0.72 | $2.22 | $2.01 | $6.32 |
Balance Sheet (Annual)
Last updated: Jul 30, 2026 6:43am (2h ago)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Cash & Equivalents | $250.5M | $388.7M | $397.3M | $259.4M | $408.9M |
| Total Current Assets | — | — | — | — | — |
| Total Assets | $2.1B | $2.9B | $2.3B | $2.8B | $2.8B |
| Current Liabilities | — | — | — | — | — |
| Long-Term Debt | $103.7M | $102.8M | $102.0M | $101.2M | $100.5M |
| Total Liabilities | $1.6B | $2.6B | $2.0B | $2.5B | $2.3B |
| Total Equity | $429.7M | $287.9M | $341.3M | $373.3M | $551.0M |
| Retained Earnings | $563.7M | $517.5M | $560.7M | $596.9M | $757.4M |
Cash Flow (Annual)
Last updated: Jul 30, 2026 6:43am (2h ago)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | $234.4M | $324.5M | $71.0M | $137.4M | $381.5M |
| Capital Expenditure | -$7.2M | -$4.9M | -$4.0M | -$7.4M | -$4.4M |
| Free Cash Flow | $227.2M | $319.6M | $67.0M | $130.0M | $377.1M |
| Acquisitions (net) | — | — | — | — | — |
| Net Debt Issued / (Repaid) | $98.5M | -$1.5M | -$1.5M | -$1.5M | -$1.5M |
| Dividends Paid | -$24.2M | -$23.8M | -$23.3M | -$22.3M | -$22.2M |
| Stock Buybacks | -$1.6M | -$11.6M | -$22.0M | -$21.9M | -$22.4M |
| Net Change in Cash | $73.3M | $138.2M | $8.6M | -$137.9M | $215.8M |
Growth Trends (YoY %)
Last updated: Jul 30, 2026 6:43am (2h ago)| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Revenue Growth | +9.0% | +13.8% | +9.3% | +5.5% |
| Gross Profit Growth | — | — | — | — |
| Operating Income Growth | — | — | — | — |
| Net Income Growth | -209.1% | +400.2% | -11.8% | +210.5% |
| EBITDA Growth | — | — | — | — |
Dividend History (Last 20)
Last updated: Jul 30, 2026 6:43am (2h ago)| Date | Dividend | Declaration | Record | Payment |
|---|---|---|---|---|
| 2026-05-08 | $0.16 | — | — | — |
| 2026-03-06 | $0.16 | — | — | — |
| 2025-12-05 | $0.29 | — | — | — |
| 2025-08-01 | $0.16 | — | — | — |
| 2025-05-09 | $0.16 | — | — | — |
| 2025-03-07 | $0.16 | — | — | — |
| 2024-12-06 | $0.13 | — | — | — |
| 2024-08-02 | $0.16 | — | — | — |
| 2024-05-09 | $0.16 | — | — | — |
| 2024-03-07 | $0.16 | — | — | — |
| 2023-12-07 | $0.13 | — | — | — |
| 2023-08-03 | $0.16 | — | — | — |
| 2023-05-11 | $0.16 | — | — | — |
| 2023-03-08 | $0.16 | — | — | — |
| 2022-12-08 | $0.13 | — | — | — |
| 2022-08-01 | $0.16 | — | — | — |
| 2022-05-12 | $0.16 | — | — | — |
| 2022-03-09 | $0.16 | — | — | — |
| 2021-12-09 | $0.16 | — | — | — |
| 2021-07-30 | $0.16 | — | — | — |
Industry Benchmarks
Compares UVE against LLM-researched typical ranges for its
industry. One research call per industry, cached indefinitely — every stock in the same industry
reuses the same baseline.
Advanced Analysis Forensic deep-dive · three lenses
Character & Durability Scorecard
Ten long-horizon business-character traits the Quality / Value / Sentiment lenses don’t break out, scored 1–10.
No scorecard yet for UVE — the ten traits are scored by the
pipeline (
ext-scorecard step) when a report is run on this ticker.
Deep Analysis
Pre-flight intelligence scans the company first, then routes to the right analytical methods.
0
Company Classification
— What type of company is this?
1
Industry Landscape
— Where is the industry headed?
2
Company Momentum
— Where is this company trending?
3
Forward Projection
— 1Y & 2Y projected metrics (requires Layer 1 + 2)
4a
DCF Valuation
— Present value of future cash flows
4b
Earnings Power Value
— Floor value — worth with zero growth
4c
Anchored PE
— Industry PE adjusted for growth differential
4d
Reverse DCF
— What growth is the market pricing in?
4e
Revenue-Based DCF
— For growth/narrative companies (skip if mature earner)
4f
Anchored P/S
— Price-to-Sales peer comparison (skip if mature earner)
4g
Scenario Analysis
— Bull / Base / Bear (skip if mature earner)
4h
Dividend Discount Model
— For dividend/income stocks only
4i
Book Value Analysis
— For deep value / turnaround stocks only
4j
Insider Activity
— Are insiders buying or selling?
4f
Cash Flow Quality
— How trustworthy is the FCF?
4g
Debt Maturity Risk
— Can it handle its debt?
4h
Macro Environment
— Rates, market valuation, volatility
4i
Sector Intelligence
— How does this company compare within its sector?
4j
Revenue Confidence
— How reliable is the growth projection?
4k
Sensitivity Analysis
— How fragile is the fair value estimate?
4l
Sector Demand Cycle
— Is the sector in a boom, steady state, or contraction?
5
AI Investigation
— Adaptive research engine (Claude)
5b
Thesis Evaluation
— What does the market believe? (narrative/platform stocks only)
6
Valuation Synthesis
— Weighted verdict from all methods (requires Layer 4)
Narrative Economics
The story the market is telling about this stock — the intangible X-factor
(founder mythology, cult dynamics, TAM-of-imagination) that moves price beyond
what cash flows alone explain. After Shiller, Narrative Economics.
No narrative profile yet for UVE — it's generated by the pipeline (
market-narrative step).
Delvantic AI Findings
No AI findings yet for UVE — they're generated by the
pipeline (
ai-findings step) when a report is run on this ticker.
GPT Critique
No GPT critique yet for UVE — it's generated by the
pipeline (
gpt-critique step) after the AI findings above, when a
report is run on this ticker.
No community reviews yet for UVE.
Be the first — hit How to Contribute, have any AI review this page, and paste its take back here.
My Notes
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Data via Financial Modeling Prep · Cached for performance · twelvedata
v1.1.496 · 31f2d85f · 2026-07-29 20:18:08