# Universal Insurance Holdings share price today (Universal Insurance Holdings, Inc., UVE)

> Universal Insurance Holdings, Inc.'s earnings have grown faster than its share price. Earnings per share grew +214.4% in a year while the price moved +58.6%. UVE · Financials · Insurance - Property & Casualty · data as of 3 November 2026. Page: https://www.sectoralpha.in/us/stocks/uve

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## Key numbers

- Business trend: Turning around, from the last 12 quarters
- Price: $48.88 (+58.6% in a year)
- P/BV: 2.1× (higher than 100% of the last 1 year)
- Revenue (Sep 2026): $439 M (+9.6% on a year ago)
- Profit (Sep 2026): $52.5 M (+31.8% on a year ago)
- Net margin: 12.0% (+2.1 points on a year ago)
- ROE: 41%, FY25
- ROA: 6.32%, latest

The main question: yearly earnings per share moved +214.4% while the share price moved +58.6%. ## What is the Universal Insurance Holdings share price today? Universal Insurance Holdings, Inc.'s share price was $48.88 at the close on 3 November 2026. That is 25.0% above its average price over the last 200 trading days. In the last 52 weeks it traded between $29 and $49, and at that close it was at the high of that range. Over the past 13 weeks it has done better than the S&P 500, and it has stayed ahead for 5 weeks in a row. Over the last 1 year the share price moved +106% while the S&P 500 moved +21%, so it is ahead of the index over that whole period. The chart above shows the 13-week comparison for every week. This page treats a rise as over when the price closes below its 200-day average on two Fridays in a row. ## What dividend does Universal Insurance Holdings pay? Universal Insurance Holdings, Inc. paid $0.64 per share over the last four reported quarters. The most recent declaration was $0.16 for Sep 2026. At today's price of $48.88 that is a yield of 1.31%, based on dividends already paid, not a forecast. ## Which stock lists is Universal Insurance Holdings on? Universal Insurance Holdings is not in the Nasdaq 100, the S&P 500 or the Dow Jones 30, and is not on the US tech stocks list. ## Is Universal Insurance Holdings profitable? Universal Insurance Holdings, Inc. earned $52.5 M of net profit in the Sep 2026 quarter, +31.8% on the same quarter a year earlier. That is the 4th quarter in a row of profit growth. Full-year FY25 profit was $183 M. Over 4 years profit has grown 73.1% a year on average. That is 12.0% of the quarter's revenue. The same quarter a year earlier earned $39.8 M. 1 of the last 12 reported quarters were loss-making. For the full year, FY25 profit was $183 M (+210.5% on the year before). Why profit moved: revenue changed +9.6% on a year earlier and the margin moved +2.1 percentage points. Most of the change came from keeping more of each sale. On average over the last four quarters, profit changed +284.6% and revenue +5.5%. Profit is growing faster than sales: fixed costs are spread over more sales, so each extra dollar of revenue adds more to profit. ## How much revenue does Universal Insurance Holdings make, and is it growing? Universal Insurance Holdings, Inc. reported $439 M of income in the Sep 2026 quarter, +9.6% on the same quarter a year earlier. That is the 2nd quarter in a row with growth on the year before. Over 4 years it has grown 9.3% a year on average. The last full year, FY25, came in at $1.6 B. The last four reported quarters add to $1.7 B. FY25 revenue was $1.6 B, +5.5% on the year before. Recent pace: the last four quarters grew +5.5% on average, against 9.3% a year over the longer run, so this year is growing slower than its own long-run rate. Is growth speeding up? Revenue over the last 12 months grew +5.5%, against +5.1% a year over the last 8 quarters (stabilising); profit over the last 12 months grew +90.1%, against +78.6% a year (accelerating). ## How much does Universal Insurance Holdings keep from what it earns? Universal Insurance Holdings, Inc.'s net margin was 12.0% in the Sep 2026 quarter, 2.1 percentage points higher than the same quarter a year ago. Its latest full-year margin is the highest it has ever reported. Across 5 years it has been between −1.8% and 11.4%. The latest quarter is above every full year in that period. Across 5 years it has been between −1.8% and 11.4%, and FY25's 11.4% is the highest of them. Why: the net margin move is clear, but the cost details behind it are not in our data, so we show the move without guessing the reason. When margins are at a record, every ratio built on profit looks better than usual, so watch whether they hold. ## How many of Universal Insurance Holdings' loans have gone bad? Universal Insurance Holdings, Inc. does not report loan-quality figures this page can read, so this section says so rather than guess. No bad-loan figures are filed in a form this page can read, and none are guessed from the profit line. The income, margin and return sections carry what this business does report. Why: loan quality drives a lender, but its details (new bad loans, recoveries, money set aside) are not in our data for this company. The sections around this one carry what we can back up. ## How fast is Universal Insurance Holdings' loan book growing? Universal Insurance Holdings, Inc.'s revenue was $1.6 B in FY25, +5.5% on the year before, so the loan book is growing. The latest quarter was +9.6% on a year earlier. The net margin on that income is 12.0%, +2.1 percentage points on a year ago. Interest income stands in for the size of the loan book; changes in interest rates can move it a few points in any year. In short: a lender grows well when its loan book grows, its margin stays steady and its loans stay clean. Quarterly loan-quality figures are missing here, so revenue growth and margin are the two we watch. ## What is Universal Insurance Holdings' P/BV ratio, and how does it compare with its own history? Universal Insurance Holdings, Inc.'s P/BV is 2.1×, about the highest it has ever been. Its usual P/BV (the middle reading) is 1.8×, over 1 year of weekly prices. This compares the share price with the company’s own past. It does not say what the business is worth. Why the multiple is where it is: over the past year book value grew while the price moved +58.6%. The price ran ahead of book value, which pushed the multiple up within its own range. In short: the multiple is high against its own past, so the book value trend underneath matters more than the multiple. ## Is the Universal Insurance Holdings business getting better or worse? Universal Insurance Holdings, Inc.'s business is turning around. Profit growth has swung from −12.6% at its low to +90.1%, rising from a low 5 quarters ago, with ROE rising at 36.0%. This is based on 12 quarters of 4 measures. Why it matters: a turn in growth is often where a bigger change starts. The lines say a turn is forming, so the question is whether the next quarters confirm it. ## How much does Universal Insurance Holdings earn on its equity and assets? Universal Insurance Holdings, Inc. earned a return on equity of 33% in FY25. Its lowest yearly reading on file was −8% in FY22. On its assets, every $100 earned about $6.32, before the effect of borrowing. For a lender the balance sheet is the business, so the return on equity and on assets have to be read together. That is above the level a bank needs to grow its net worth steadily. Why ROE moved: profit grew 73.1% a year over 4 years while net worth grew more slowly. When earnings recover faster than net worth builds up, ROE climbs off its low. ## Does Universal Insurance Holdings have too much debt? For a bank, borrowing is the raw material of the business, not a warning sign: it borrows money in order to lend it out. Its safety is read through its returns and its loans. Its safety is read from the bad-loan figures and the return on equity instead. For a manufacturer, debt is a claim on its profits. For a lender it is the stock it trades in, so the usual debt-to-equity test would mislead and is not used here. ## What is the Universal Insurance Holdings shareholding pattern? 3.5% of Universal Insurance Holdings, Inc.'s tradable shares are in short positions, which are bets that the price will fall, so some traders are betting against it. At normal trading volumes, closing those positions would take about 4.8 days. US companies do not publish a quarter-by-quarter list of owners, so this page uses short interest instead. It is a single reading at one point in time; we do not have its history. Why it is at this level: the figure does not say who holds the short positions or why, so we show the level without guessing the story. ## How far is Universal Insurance Holdings from balance-sheet trouble? For Universal Insurance Holdings, Inc., the Z-score is not used, because it was built for manufacturers, not lenders. For a lender, safety is read from its capital and bad-loan figures instead. ## How does Universal Insurance Holdings rank in its industry? There is no score against its industry: Universal Insurance Holdings, Inc. is not among the largest members shown in this industry comparison for Insurance - Property & Casualty. The score ranks a company within its industry: each measure is scored against the other members. Without that group there is no score, so none is shown. ## Which companies is Universal Insurance Holdings compared with? No sector comparison is shown here, not among the largest members shown in this industry comparison. ## Which companies are close to Universal Insurance Holdings in size? Universal Insurance Holdings is the 32nd largest of 44 Insurance - Property & Casualty companies on Sector Alpha by market value (scores of 3 November 2026). Just above it: United Fire Group, Inc., Stewart Information Services Corporation and Trupanion, Inc. Just below it: ProAssurance Corporation, Ategrity Specialty Insurance Company Holdings and Bowhead Specialty Holdings Inc. ### Insurance - Property & Casualty companies close in size

1. [United Fire Group, Inc.](https://www.sectoralpha.in/us/stocks/ufcs) $1.5 billion
2. [Stewart Information Services Corporation](https://www.sectoralpha.in/us/stocks/stc) $1.4 billion
3. [Trupanion, Inc.](https://www.sectoralpha.in/us/stocks/trup) $1.4 billion
4. Universal Insurance Holdings, Inc. $1.4 billion
5. [ProAssurance Corporation](https://www.sectoralpha.in/us/stocks/pra) $1.3 billion
6. [Ategrity Specialty Insurance Company Holdings](https://www.sectoralpha.in/us/stocks/asic) $1.2 billion
7. [Bowhead Specialty Holdings Inc.](https://www.sectoralpha.in/us/stocks/bow) $1.1 billion

[All 44 Insurance - Property & Casualty companies, largest first](https://www.sectoralpha.in/us/sectors/insurance-property-casualty#all-companies)

### Companies close in size in other industries

1. [HBT Financial, Inc.](https://www.sectoralpha.in/us/stocks/hbt) $1.4 billion · Banks - Regional
2. [Preformed Line Products Company](https://www.sectoralpha.in/us/stocks/plpc) $1.4 billion · Electrical Equipment & Parts
3. Universal Insurance Holdings, Inc. $1.4 billion
4. [Target Hospitality Corp.](https://www.sectoralpha.in/us/stocks/th) $1.4 billion · Specialty Business Services
5. [National Vision Holdings, Inc.](https://www.sectoralpha.in/us/stocks/eye) $1.4 billion · Specialty Retail

## What else do people ask about Universal Insurance Holdings? ### What were Universal Insurance Holdings's latest quarterly results? Universal Insurance Holdings, Inc. reported total income of $439 M and net profit of $52.5 M for the Sep 2026 quarter. Income rose 9.6% and profit rose 31.8% compared with a year earlier. Earnings per share were $1.80 (as of 3 November 2026). ### What is Universal Insurance Holdings's market cap? Universal Insurance Holdings, Inc.'s market capitalisation is $1.4 B at a stock price of $48.88. Market cap is the share price times the number of shares, so it changes whenever the price moves (as of 3 November 2026). ### How is Universal Insurance Holdings performing? Universal Insurance Holdings, Inc.'s latest readings are below. In its latest quarter, income rose 9.6% and profit rose 31.8% compared with a year earlier. Over the past 13 weeks it has done better than the S&P 500, for 5 weeks running. This describes what the data did, not a rating (as of 3 November 2026). ### Will Universal Insurance Holdings's stock price go up? This page does not forecast Universal Insurance Holdings, Inc.'s stock price. What it shows instead: the stock price is $48.88. Its P/BV of 2.1× is higher than 100% of its own last 1 years. Nobody can reliably say which way a price will move, and this site does not try (as of 3 November 2026). ### Where is Universal Insurance Holdings in its business cycle? Universal Insurance Holdings, Inc.'s FY25 net margin was 11.4%, against a 5-year range of −1.8% to 11.4%: the top of its range, a record year. When profit is at a record, every ratio looks better than usual, and the story depends on margins staying high. The latest quarter was 12.0%. Comparing margins with a company's own long history is a good way to see where it is in its cycle (as of 3 November 2026). ### What could break the Universal Insurance Holdings story? The main question: yearly earnings per share moved +214.4% while the share price moved +58.6%. On price, this page treats a rise as over when the share price closes below its 200-day average on two Fridays in a row (as of 3 November 2026). ### Is Universal Insurance Holdings a stock worth studying right now? What the numbers show: Universal Insurance Holdings, Inc.'s earnings have grown faster than its share price. Earnings per share grew +214.4% in a year while the price moved +58.6%. The main open question: whether the price catches up with earnings that have already grown. Every number on this page is worked out by code from the published figures, with no forecasts and no price opinions (as of 3 November 2026). This is research, not advice. We’re not SEBI-registered.