Stocktoria
UNIVERSAL INSURANCE HOLDINGS, INC. UVE
UNIVERSAL INSURANCE HOLDINGS, INC. (UVE) earns a Piotroski F-score of 7/9 (strong financial health). It pays a dividend yielding 2.11% (safety: safe). FY2025 revenue was $1.6B at a 11.4% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 7/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| UVE | UNIVERSAL INSURANCE HOLDINGS, INC. | 7/9 | — | 5.8 | +5.5% |
| ROOT | Root, Inc. | 6/9 | — | 21.9 | +29% |
| HMN | HORACE MANN EDUCATORS CORP /DE/ | 5/9 | — | 12.9 | +6.7% |
| SKWD | Skyward Specialty Insurance Group, Inc. | 4/9 | — | 14.1 | +23.2% |
| UFCS | UNITED FIRE GROUP INC | 5/9 | — | 11.2 | +10.6% |
| KNSL | Kinsale Capital Group, Inc. | 5/9 | — | 15 | +18% |
| RLI | RLI CORP | 5/9 | — | 13.1 | +6.3% |
All Finance, Insurance & Real Estate companies →
About UNIVERSAL INSURANCE HOLDINGS, INC.
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. The company was formerly known as Universal Heights, Inc. and changed its name to Universal Insurance Holdings, Inc. in January 2001. Universal Insurance Holdings, Inc. was incorporated in 1990 and is headquartered in Fort Lauderdale, Florida.
FAQ
Is UVE financially healthy?
UNIVERSAL INSURANCE HOLDINGS, INC.'s Piotroski F-score is 7/9 (8–9 is excellent, 0–3 weak).
Does UVE pay a dividend, and is it safe?
Yes. UNIVERSAL INSURANCE HOLDINGS, INC. pays a dividend yielding about 2.11% with a 12.1% payout ratio, rated “safe” for safety.
How profitable is UVE?
In FY2025, UNIVERSAL INSURANCE HOLDINGS, INC. had a net margin of 11.4% and a return on equity of 33.2%.
Is UVE overvalued or undervalued?
UNIVERSAL INSURANCE HOLDINGS, INC. trades at about 6.7× trailing earnings — below its 10-year norm (10-year range 4.8×–26.5×, median 9.8×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for UVE?
The average Wall-Street price target for UNIVERSAL INSURANCE HOLDINGS, INC. is $44.00, about 4.2% above the recent price, from 1 analysts.
Is UVE a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on UNIVERSAL INSURANCE HOLDINGS, INC.: a Piotroski F-score of 7/9, a P/E of about 5.8×, a dividend yield of 2.11%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.