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UNIVERSAL INSURANCE HOLDINGS, INC. UVE

NYSE · stock · Fire, Marine & Casualty Insurance · website · IPO 1992-12-16 · LEI

UNIVERSAL INSURANCE HOLDINGS, INC. statistics & valuation

Market cap$1.1B
P / E5.8×
P / S0.7×
P / B1.9×
P / FCF2.8×
Dividend yield2.11%
Net margin11.4%
Return on equity33.2%
FCF margin23.5%
Net cash$308.4M
Enterprise value USD$743.9M
Graham number +23.2%$52.02

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($52.02); a green figure means the price is below it.

Profitability & efficiency

Net margin (%)
14.50% 14.20% 14.20% 5.00% 1.80% 1.80% -1.80% 4.80% 3.90% 11.40% 2016201720182019202020212022202320242025
Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
26.80% 24.30% 23.30% 9.40% 4.30% 4.70% -7.70% 19.60% 15.80% 33.20% 2016201720182019202020212022202320242025
Shares outstanding
35.6M 35.8M 35.8M 34.2M 32.0M 31.3M 30.8M 30.1M 29.3M 29.0M 2016201720182019202020212022202320242025
Net debt ($)
-$90.7M -$200.6M -$155.0M -$158.7M -$146.8M -$285.9M -$295.3M -$158.2M -$308.4M 2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
9.40% 7.30% 6.30% 2.70% 1.10% 1.00% -0.80% 2.90% 2.10% 6.40% 2016201720182019202020212022202320242025
Free cash flow margin (%)
16.50% 32.00% 27.10% 7.80% 1.10% 20.20% 26.10% 4.80% 8.50% 23.50% 2016201720182019202020212022202320242025
Debt / equity (×)
0.04× 0.03× 0.02× 0.02× 0.24× 0.36× 0.30× 0.27× 0.18× 2016201720182019202020212022202320242025
EPS ($)
$2.79 $2.99 $3.27 $1.36 $0.60 $0.65 -$0.72 $2.22 $2.01 $6.32 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

UNIVERSAL INSURANCE HOLDINGS, INC. trades at about 6.7× earnings — below its 10-year norm (10-year range 4.8×–26.5×, median 9.8×).

4.8× 26.5×

Shaded band = 10-year range (4.8×–26.5×); dot = today's 6.7×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Net margin11.4%3.9%4.8%-1.8%1.8%1.8%5.0%14.2%14.2%14.5%
FCF margin23.5%8.5%4.8%26.1%20.2%1.1%7.8%27.1%32.0%16.5%
Return on assets6.4%2.1%2.9%-0.8%1.0%1.1%2.7%6.3%7.3%9.4%
Return on equity33.2%15.8%19.6%-7.7%4.7%4.3%9.4%23.3%24.3%26.8%
Debt / equity0.18×0.27×0.30×0.36×0.24×0.02×—0.02×0.03×0.04×

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.