Touchstone
Last syncNov 1, 2026, 6:55 PM ET

UVE

Universal Insurance Holdings, Inc. Financials Fire, Marine & Casualty Insurance Russell 3000
$48.50Close $1.4BMarket cap $28.50 – $48.8452-week range Jan 21, 2027Next report · estimated

Highlights

Strengths

  • In a stage-2 uptrend all 8 trend conditions pass
  • Leading the market RS 87 · stronger than 87% of stocks over 12 months
  • Near its high 1% below its 52-week high
  • Earnings growing EPS +30% year on year

Price

Filing Results Screen pick 52-week high and low Adjusted prices

Key figures

FY to Dec 31, 2025 · filed Oct 29, 2026
Off 12-month high 1%
1wk down 0.7% price change
1mo up 15.2% price change
12-month return up 58% market up 11% · its own up 47%
F-score — — Not assessed
Altman Z — Unknown
P/E 7.4× price / earnings
PEG 0.03 P/E / EPS growth
P/B 2.5× price / book
Earnings yield — EBIT / enterprise value
Cheaper than — of the market · not assessed
Revenue growth up 5% year on year
EPS growth up 30% latest quarter · -39 pts
Sales growth up 10% latest quarter · +3 pts
ROE up 40% return on equity
Free cash margin —
D/E 0.18 long-term debt / equity
Net debt / EBITDA —
Interest cover —EBIT / interest

Trade setup

ATR% 3.1% $1.48 a day · 2×ATR $45.54
RS 87 / 99 vs the universe
Trend 8 / 8 trend template
Relative volume 1.5× vs 50-day average
Up/down volume 1.03 50 sessions
Implied move — no scheduled report
Trend template · 8 of 8

Screen verdict

Did not qualify for any screen.

Warning signs

none flagged
  • No restatement or impairment
  • Equity positive
  • No material dilution
  • Margins and revenue not shrinking
Last reported Oct 22, 2026
Results reaction Oct 22, 2026+4% vs market2 sessions after results

Financials

6 fiscal years · from filings
Revenue What customers paid the company over its fiscal year, before any cost, as filed in its annual report. The change is against the year before. Methodology $1.6B +5% on FY2024
$0 $2B FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · $1.1B FY2021 · $1.1B FY2022 · $1.2B FY2023 · $1.4B FY2024 · $1.5B FY2025 · $1.6B
Net income Profit left after every cost, interest and tax for the year. A column below the line is a loss. Methodology $183.0M +210% on FY2024
$0 $200M FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · $19.1M FY2021 · $20.4M FY2022 · -$22.3M FY2023 · $66.8M FY2024 · $58.9M FY2025 · $183.0M
Margins Each as a share of revenue. Gross: left after the direct cost of what was sold. Net: left after every cost. Free cash: free cash flow over revenue. A margin rising over years means the business keeps more of each dollar it sells. Methodology
  • Net 11%
0% 20% FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · Net 2% FY2021 · Net 2% FY2022 · Net -2% FY2023 · Net 5% FY2024 · Net 4% FY2025 · Net 11%
Cash and long-term debt Cash on the balance sheet at the year's end beside debt due after a year. Net cash is cash less that debt; net debt is the shortfall. Debt some filers do not tag shows as a gap, not as zero. Methodology
  • Cash
  • Long-term debt
$0 $500M FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · Cash $167.2M · Long-term debt $8.5M FY2021 · Cash $250.5M · Long-term debt $103.7M FY2022 · Cash $388.7M · Long-term debt $102.8M FY2023 · Cash $397.3M · Long-term debt $102.0M FY2024 · Cash $259.4M · Long-term debt $101.2M FY2025 · Cash $408.9M · Long-term debt $100.5M
Shares outstanding Shares in issue at the year's end. A rising count means each share owns a smaller slice of the company (stock pay, share sales); a falling one, buybacks. The chart's scale is fitted to the count, so a small change looks large: read the percentage. Methodology 28.01m -10.0% since FY2020
31.22m 28.01m FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · 31.14m FY2021 · 31.22m FY2022 · 30.39m FY2023 · 28.97m FY2024 · 28.10m FY2025 · 28.01m
  FY2020Dec 31, 2020 FY2021Dec 31, 2021 FY2022Dec 31, 2022 FY2023Dec 31, 2023 FY2024Dec 31, 2024 FY2025Dec 31, 2025
Revenue $1.1B $1.1B $1.2B $1.4B $1.5B $1.6B
Net income $19.1M $20.4M -$22.3M $66.8M $58.9M $183.0M
Net margin 2% 2% -2% 5% 4% 11%
Earnings per share $0.60 $0.65 -$0.72 $2.22 $2.01 $6.32
Cash $167.2M $250.5M $388.7M $397.3M $259.4M $408.9M
Long-term debt $8.5M $103.7M $102.8M $102.0M $101.2M $100.5M
Shareholders' equity $449.3M $429.7M $287.9M $341.3M $373.2M $551.0M
Shares outstanding 31.14m 31.22m 30.39m 28.97m 28.10m 28.01m

Filings

SEC EDGAR
FiledReportPeriod to Lag
Oct 29, 2026 Quarterly ↗ Sep 30, 2026 29d
Jul 30, 2026 Quarterly ↗ Jun 30, 2026 30d
Apr 29, 2026 Quarterly ↗ Mar 31, 2026 29d
Feb 27, 2026 Annual ↗ Dec 31, 2025 58d
Oct 30, 2025 Quarterly ↗ Sep 30, 2025 30d
Jul 30, 2025 Quarterly ↗ Jun 30, 2025 30d
Apr 30, 2025 Quarterly ↗ Mar 31, 2025 30d
Feb 28, 2025 Annual ↗ Dec 31, 2024 59d
Oct 30, 2024 Quarterly ↗ Sep 30, 2024 30d
Jul 30, 2024 Quarterly ↗ Jun 30, 2024 30d
Apr 30, 2024 Quarterly ↗ Mar 31, 2024 30d
Feb 28, 2024 Annual ↗ Dec 31, 2023 59d

Current reports

FiledDisclosed
Oct 22, 2026 Results ↗
Jul 23, 2026 Results ↗
Jul 8, 2026 Regulation FD ↗
Jun 18, 2026 Material agreement · New obligation · Other events ↗
Jun 15, 2026 Shareholder vote ↗
Jun 5, 2026 Other events ↗
May 28, 2026 Other events ↗
Apr 23, 2026 Results ↗
Apr 10, 2026 Regulation FD ↗
Feb 24, 2026 Results ↗
Feb 4, 2026 Regulation FD ↗
Jan 7, 2026 Regulation FD ↗