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Universal Insurance Holdings, Inc. (UVE) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated today

Universal Insurance Holdings, Inc.

UVEMarket cap $1.31BPrice $47.0

Country🇺🇸United States

SectorFinancials

IndustryInsurance

Underwrites homeowners insurance across hurricane-prone states, with Florida as its stronghold. Universal Insurance Holdings turns a profit betting it can price catastrophic risk better than rivals fleeing the same coastline everyone else is abandoning.

In Bastion Portfolios?

52W Return+70%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+9%7

Revenue Forecast

Rev CAGR (1y)-1%2

Rev CAGR (3y)-1%1

Rev CAGR (5y)-0%1

Earnings Forecast

EPS Growth Y+1-17%2

EPS Growth Y+2-12%3

EPS Growth Y+30%4

Quality

Margins

EBIT Margin18%7

Net Income Margin13%7

Free Cash Flow Margin21%8

Debt

Net Debt/EBITDA-1.410

Efficiency

ROE40%10

ROA7%7

Earnings Stability55

GEAR+STRONG82

Overall rating across all five factors

Value

Price Multiples

P/E Ratio (Forward)99

P/E Ratio (Forward 3y)108

P/BV2.17

EV Multiples

EV/EBITDA Fwd09

EV/EBIT Fwd09

Yield

Free Cash Flow Yield0.0%10

Dividend Yield1.4%4

Momentum

Short term

1 month return+8%10

3 month return+13%9

YTD return+41%9

Mid term

Price vs 52wHigh99%10

1 year return+62%9

Long term

3 year return+281%10

5 year return+322%10

Risk Shield

Price Risk

Beta0.39

Volatility37%5

Free Cash Flow

Free Cash Flow Margin21%8

Free Cash Flow Yield0.0%10

Quality

ROCE43%7

Earnings Stability55

Net Debt/EBITDA-1.410

02Growth

Is it actually growing, and how fast?

UVEUniversal Insurance Holdings

Revenue FY25$1.6B

GROWTH RATING↗

VERY WEAK5 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+9%7

Revenue, next 1Y-1%2

Revenue, next 3Y, CAGR-1%1

Revenue, next 5Y, CAGR-0%1

EARNINGS FORECAST▾SCORE

EPS growth, FY26E-17%2

EPS growth, FY27E-12%3

EPS growth, FY28E0%4

GROWTH ASSESSMENT

STRENGTHS

Revenue grew 9%/yr over the last 3 years, ahead of 60% of companies worldwide.7/10

WATCH

None flagged.

WEAKNESSES

Growth is the weak spot here, trailing 95% of companies worldwide.

Revenue is set to shrink 0.6%/yr over the next 3 years, behind most of the market.1/10

Revenue grew 9%/yr over the last 3 years, but it is set to shrink 0.6%/yr from here.

Over five years revenue is set to hold flat, behind 90% of companies worldwide.1/10

Earnings are set to fall along with revenue (EPS about -12%/yr vs revenue -0.6%/yr).

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business heading into decline. The one thing to watch: forward revenue growth trails the market.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

VERY STRONG99 / 100

SHORT-TERM RETURNS▾SCORE

1-month return+8%10

3-month return+13%9

YTD return+41%9

MID & LONG-TERM▾SCORE

% of 52-week high99%10

1-year return+62%9

3-year return+281%10

5-year return+322%10

MOMENTUM ASSESSMENT

STRENGTHS

Magnificent long-term results. Long-term holders have seen +281% over three years and +322% over five, ahead of 90% of the market.

It's up 62% over the past year, now sitting right at its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over the past month (+8%), over three months (+13%) and so far this year (+41%).

WATCH

None flagged.

WEAKNESSES

None flagged.

BOTTOM LINE

Momentum Leader

Short- and long-term returns both rank among the best globally, and the stock trades near its highs. The market is fully behind it — a core fit for momentum strategies.

04Value

Are you paying a fair price for it?

Stop guessing on Universal Insurance Holdings, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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Loading charts…

02Growth

Is it actually growing, and how fast?

UVEUniversal Insurance Holdings

Revenue FY25$1.6B

GROWTH RATING↗

VERY WEAK5 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+9%7

Revenue, next 1Y-1%2

Revenue, next 3Y, CAGR-1%1

Revenue, next 5Y, CAGR-0%1

EARNINGS FORECAST▾SCORE

EPS growth, FY26E-17%2

EPS growth, FY27E-12%3

EPS growth, FY28E0%4

GROWTH ASSESSMENT

STRENGTHS

Revenue grew 9%/yr over the last 3 years, ahead of 60% of companies worldwide.7/10

WATCH

None flagged.

WEAKNESSES

Growth is the weak spot here, trailing 95% of companies worldwide.

Revenue is set to shrink 0.6%/yr over the next 3 years, behind most of the market.1/10

Revenue grew 9%/yr over the last 3 years, but it is set to shrink 0.6%/yr from here.

Over five years revenue is set to hold flat, behind 90% of companies worldwide.1/10

Earnings are set to fall along with revenue (EPS about -12%/yr vs revenue -0.6%/yr).

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business heading into decline. The one thing to watch: forward revenue growth trails the market.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

VERY STRONG99 / 100

SHORT-TERM RETURNS▾SCORE

1-month return+8%10

3-month return+13%9

YTD return+41%9

MID & LONG-TERM▾SCORE

% of 52-week high99%10

1-year return+62%9

3-year return+281%10

5-year return+322%10

MOMENTUM ASSESSMENT

STRENGTHS

Magnificent long-term results. Long-term holders have seen +281% over three years and +322% over five, ahead of 90% of the market.

It's up 62% over the past year, now sitting right at its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over the past month (+8%), over three months (+13%) and so far this year (+41%).

WATCH

None flagged.

WEAKNESSES

None flagged.

BOTTOM LINE

Momentum Leader

Short- and long-term returns both rank among the best globally, and the stock trades near its highs. The market is fully behind it — a core fit for momentum strategies.

04Value

Are you paying a fair price for it?

Stop guessing on Universal Insurance Holdings, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community