How to buy Universal Insurance stock (UVE)

Universal Insurance is an insurance - property & casualty business based in the US. Universal Insurance shares (UVE) are listed on the NYSE and all prices are listed in US Dollars. Its last market close was $20.62 – a decrease of 2.46% over the previous week. Universal Insurance employs 1,244 staff and has a trailing 12-month revenue of around $1.5 billion.

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Universal Insurance stock price (NYSE: UVE)

Use our graph to track the performance of UVE stocks over time.

Universal Insurance shares at a glance

• Key figures

Information last updated 2024-12-11.

Latest market close	$20.62
52-week range	$15.14 - $23.22
50-day moving average more info button	$20.92
200-day moving average more info button	$20.10
Wall St. target price	$27.00
PE ratio more info button	8.6734
Dividend yield more info button	$0.64 (3.02%)
Earnings per share (TTM) more info button	$2.48

Is it a good time to buy Universal Insurance stock?

The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.

This chart is not advice or a guarantee of success. Rather, it gauges the real-time recommendations of three popular technical indicators: moving averages, oscillators and pivots. Finder is not responsible for how your stock performs.

Universal Insurance price performance over time

Historical closes compared with the close of $21.13 from 2024-12-17

1 week (2024-12-12)	-0.05%
1 month (2024-11-19)	-5.37%
3 months (2024-09-19)	-5.92%
6 months (2024-06-18)	15.02%

1 year (2023-12-19)	30.11%
2 years (2022-12-19)	126.72%
3 years (2021-12-17)	41.39%
5 years (2019-12-19)	23.9546

Is Universal Insurance stock undervalued or overvalued?

Valuing Universal Insurance stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of Universal Insurance's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.

Universal Insurance's P/E ratio

Universal Insurance's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 9x. In other words, Universal Insurance shares trade at around 9x recent earnings.

That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.

Universal Insurance's EBITDA

Universal Insurance's EBITDA (earnings before interest, taxes, depreciation and amortisation) is $117 million.

The EBITDA is a measure of a Universal Insurance's overall financial performance and is widely used to measure a its profitability.

Universal Insurance financials

Revenue TTM	$1.5 billion
Gross profit TTM	$284.3 million
Return on assets TTM	2.63%
Return on equity TTM	20.78%
Profit margin	4.82%
Book value	$14.15
Market Capitalization more info button	$608.4 million

TTM: trailing 12 months

Universal Insurance share dividends

Dividend payout ratio: 32.82% of net profits

Recently Universal Insurance has paid out, on average, around 0% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 0% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), Universal Insurance shareholders could enjoy a 0% return on their shares, in the form of dividend payments. In Universal Insurance's case, that would currently equate to about $0.64 per share.

While Universal Insurance's payout ratio might seem fairly standard, it's worth remembering that Universal Insurance may be investing much of the rest of its net profits in future growth.

Universal Insurance's most recent dividend payout was on 12 December 2024. The latest dividend was paid out to all shareholders who bought their shares by 5 December 2024 (the "ex-dividend date").

Have Universal Insurance's shares ever split?

Universal Insurance's shares were split on a 1:4 basis on 5 December 1994 . So if you had owned 4 shares the day before before the split, the next day you'd have owned 1 share. This wouldn't directly have changed the overall worth of your Universal Insurance shares – just the quantity. However, indirectly, the new 300% higher share price could have impacted the market appetite for Universal Insurance shares which in turn could have impacted Universal Insurance's share price.

Universal Insurance share price volatility

Over the last 12 months, Universal Insurance's shares have ranged in value from as little as $15.1406 up to $23.2248. A popular way to gauge a stock's volatility is its "beta".

Beta is a measure of a share's volatility in relation to the market. The market (NYSE average) beta is 1, while Universal Insurance's is 0.906. This would suggest that Universal Insurance's shares are less volatile than average (for this exchange).

Universal Insurance overview

Universal Insurance Holdings, Inc. , together with its subsidiaries, operates as an integrated insurance holding company in the United States. It develops, markets, and underwrites insurance products for personal residential insurance, such as homeowners, renters/tenants, condo unit owners, and dwelling/fire; and offers allied lines, coverage for other structures, and personal property, liability, and personal articles coverages. The company also advises on actuarial issues, oversees distribution, administers claims payments, performs policy administration and underwriting, and assists with reinsurance negotiations; places and manages reinsurance programs for the insurance entities; and operates Clovered. com, a digital agency for various carrier partners and utilization of digital applications for adjusting claims. It offers its products through a network of independent agents, as well as direct-to-consumer online solutions, including digital insurance agency. The company was formerly known as Universal Heights, Inc.

Frequently asked questions

What percentage of Universal Insurance is owned by insiders or institutions?
Currently 9.556% of Universal Insurance shares are held by insiders and 70.277% by institutions. How many people work for Universal Insurance?
Latest data suggests 1,244 work at Universal Insurance. When does the fiscal year end for Universal Insurance?
Universal Insurance's fiscal year ends in December. Where is Universal Insurance based?
Universal Insurance's address is: 1110 West Commercial Boulevard, Fort Lauderdale, FL, United States, 33309 What is Universal Insurance's ISIN number?
Universal Insurance's international securities identification number is: US91359V1070 What is Universal Insurance's CUSIP number?
Universal Insurance's Committee on Uniform Securities Identification Procedures number is: 91359C307