---
title: "Universal Insurance Holdings, Inc. (UVE.US)"
type: "Symbol"
locale: "en"
url: "https://longbridge.com/en/quote/UVE.US.md"
symbol: "UVE.US"
name: "Universal Insurance Holdings, Inc."
industry: "Property and Casualty Insurance"
datetime: "2026-05-20T15:19:28.378Z"
locales:
  - [en](https://longbridge.com/en/quote/UVE.US.md)
  - [zh-CN](https://longbridge.com/zh-CN/quote/UVE.US.md)
  - [zh-HK](https://longbridge.com/zh-HK/quote/UVE.US.md)
---

# Universal Insurance Holdings, Inc. (UVE.US)

## Company Overview

Universal Insurance Holdings, Inc., together with its subsidiaries, operates as an integrated insurance holding company in the United States. The company offers insurance products for personal residential insurance, such as homeowners, renters and tenants, condo unit owners, and dwelling and fire; and allied lines, coverage for other structures, and personal property, liability, and personal articles coverages. It also advises on actuarial issues, oversees distribution, administers claims payments, performs policy administration and underwriting, and assists with reinsurance negotiations; evaluates insurance risk and exposures on an individual and portfolio basis and assists the insurance entities with pricing risks; places and manages its reinsurance programs; and operates its digital insurance agency, Clovered.com. It offers its products through its independent agency network, direct-to-consumer online distribution, and digital insurance agency platform.

| Item | Detail |
|------|--------|
| Industry | Property and Casualty Insurance |
| Exchange | US Market |
| Website | [www.universalinsuranceholdings.com](https://www.universalinsuranceholdings.com) |

## Key Drivers
> *AI-analyzed key factors driving this stock's performance*


## Longbridge Financial Score™: C
> *Longbridge Financial Score™ — Proprietary multi-factor rating model by Longbridge*
> Updated: 2026-05-20T04:30:13.000Z

**Overall: C (0.44)**

**Industry**: Property and Casualty Insurance

| Metric | Value |
|--------|-------|
| Industry Ranking | 44 / 72 |
| Industry Median | C |
| Industry Average | C |

- **Style**: Value - Stocks where the company's main business is in a mature stage.
- **Scale**: Mid - The company has stable operation of a large-cap stock and the high return of a small-cap stock.

**Multi Score**: C

#### Style Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | 3.57% |  |
| Net Profit YoY | 193.54% |  |
| P/B Ratio | 1.88 |  |
| Dividend Ratio | 1.62% |  |

#### Size Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Market Cap | 1100535382.74 |  |
| Revenue | 1602613000.00 |  |

#### Multi Score Score: C

| Indicator | Value | Rating |
|-----------|-------|--------|
| ROE | 38.88% | A |
| Profit Margin | 12.22% | B |
| Gross Margin | 25.66% | C |
| Revenue YoY | 3.57% | C |
| Net Profit YoY | 193.54% | A |
| Total Assets YoY | 2.01% | C |
| Net Assets YoY | 38.44% | A |
| Cash Flow Margin | 178.53% | B |
| OCF YoY | 3.57% | C |
| Turnover | 0.58 | B |
| Gearing Ratio | 78.89% | E |

```chart-data:radar
{
  "title": "Longbridge Financial Score - Universal Insurance Holdings, Inc.",
  "chart_type": "radar",
  "dimensions": [
    {
      "name": "Style Score",
      "grade": "",
      "indicators": [
        {
          "name": "Revenue YoY",
          "value": "3.57%",
          "rating": ""
        },
        {
          "name": "Net Profit YoY",
          "value": "193.54%",
          "rating": ""
        },
        {
          "name": "P/B Ratio",
          "value": "1.88",
          "rating": ""
        },
        {
          "name": "Dividend Ratio",
          "value": "1.62%",
          "rating": ""
        }
      ]
    },
    {
      "name": "Size Score",
      "grade": "",
      "indicators": [
        {
          "name": "Market Cap",
          "value": "1100535382.74",
          "rating": ""
        },
        {
          "name": "Revenue",
          "value": "1602613000.00",
          "rating": ""
        }
      ]
    },
    {
      "name": "Multi Score",
      "grade": "C",
      "indicators": [
        {
          "name": "ROE",
          "value": "38.88%",
          "rating": "A"
        },
        {
          "name": "Profit Margin",
          "value": "12.22%",
          "rating": "B"
        },
        {
          "name": "Gross Margin",
          "value": "25.66%",
          "rating": "C"
        },
        {
          "name": "Revenue YoY",
          "value": "3.57%",
          "rating": "C"
        },
        {
          "name": "Net Profit YoY",
          "value": "193.54%",
          "rating": "A"
        },
        {
          "name": "Total Assets YoY",
          "value": "2.01%",
          "rating": "C"
        },
        {
          "name": "Net Assets YoY",
          "value": "38.44%",
          "rating": "A"
        },
        {
          "name": "Cash Flow Margin",
          "value": "178.53%",
          "rating": "B"
        },
        {
          "name": "OCF YoY",
          "value": "3.57%",
          "rating": "C"
        },
        {
          "name": "Turnover",
          "value": "0.58",
          "rating": "B"
        },
        {
          "name": "Gearing Ratio",
          "value": "78.89%",
          "rating": "E"
        }
      ]
    }
  ]
}
```

## Valuation Analysis

| Metric | Current | Industry Ranking | High | Median | Low |
|--------|---------|-----------------|------|--------|-----|
| PE (TTM) | 5.62 | 9/72 | 10.96 | 7.70 | 5.64 |
| PB | 1.88 | 42/72 | 1.86 | 1.76 | 1.62 |
| PS (TTM) | 0.69 | 8/72 | 0.60 | 0.54 | 0.46 |
| Dividend Yield | 1.62% | 30/72 | 2.23% | 1.95% | 1.82% |

## Peer Comparison

| Rank | Name | Profit | Growth | Operation | Security | Cash | Rating |
| --- | --- | --- | --- | --- | --- | --- | --- |
| 01 | Progressive (PGR.US) | B | B | B | D | B | B |
| 02 | Erie Indemnity (ERIE.US) | B | C | A | B | C | B |
| 03 | First American Financial (FAF.US) | B | A | C | D | B | B |
| 04 | Mercury General (MCY.US) | B | B | B | D | B | B |
| 05 | White Mountains (WTM.US) | A | A | D | C | B | B |

## Institutional View

### Analyst Rating Distribution

> As of 2026-04-24T04:00:00.000Z

Total Analysts: **1**

| Rating | Count | Percentage |
|--------|-------|-----------| 
| Overweight | 1 | 100% |

### Target Price Forecast

| Metric | Price |
|--------|-------|
| Current Price | 39.71 |
| Highest Target | 44.00 |
| Lowest Target | 44.00 |

## References

- [Company Overview — Profile, executives, shareholders, business breakdown](https://longbridge.com/en/quote/UVE.US/overview.md)
- [Financial Reports — Income, balance sheet, cash flow, dividends](https://longbridge.com/en/quote/UVE.US/norm.md)
- [Related News](https://longbridge.com/en/quote/UVE.US/news.md)
- [Filings — Company announcements and regulatory filings](https://longbridge.com/en/quote/UVE.US/filings.md)

---

> **Disclaimer: This article is for reference only and does not constitute any investment advice.**