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Stock Ratings / Financials / UVE / dividends
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UNIVERSAL INSURANCE HOLDINGS INC (UVE) Dividend Safety Gauge & 10-Year DRIP Compounder

$49.03 +1.09% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $49.24

UNIVERSAL INSURANCE HOLDINGS INC (UVE) earns a Roarable Rating of B (Buy) with 74/100 RQD Confidence. High-quality cash engine (steady margins, 33% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

ROARABLE B • BUY Cap $1.36B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on UVE Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is UVE stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, UNIVERSAL INSURANCE HOLDINGS INC (NYSE: UVE) is rated B (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 74/100 at a spot price of $49.03 (+1.09% 1D, market cap $1.36B). Pillar breakdown: Fundamental Cash Engine 19/20, Institutional 13F & Options Flow 16/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 13/20. Across 1097 tracked Financials issuers, UVE ranks #53 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does UVE compare to UFCS and SAFT in the Financials sector?
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Within the Financials sector (Property-Casualty Insurers), UVE carries a Roarable B (74/100 RQD), trailing P/E of 7.2x, gross margin of —, and ROIC of 33.2%. By comparison, UFCS (United Fire Group Inc.) holds a B- grade (71/100 RQD, P/E 12.4x, ROIC 12.6%, cap $1.47B) and SAFT (Safety Insurance Group Inc.) posts a B grade (74/100 RQD, P/E 15.4x, ROIC 11.1%, cap $1.53B). Among the 5-stock peer group, UVE leads on earnings multiple (7.2x) while UVE leads on capital efficiency (33.2% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for UVE?
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Per UVE's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000891166), UNIVERSAL INSURANCE HOLDINGS INC generated $1.60B in revenue (+5.5% YoY), $183.0M in net income, and $377.1M in free cash flow against $2.84B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $49.25 (+0.44%)🧬 Cannibal Buyback (-1.52% YoY Shares)⚙️ Cash Engine: 19/20 (A+) • 23.5% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 74/100 (B) historically ranked in the Top 12% of excess returns over the next 90 days (+7.3% avg 90D alpha vs SPY • 69.4% hit rate).
Audit Bucket Track Record →
RQD QUANT TACHOMETERBUY • B
025507510074
2-of-3 Quant Analysts Bullish
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw B+ · Rk C
Cash (19)Whales (16)SEC (13)Macro (13)CEO (13)
Each axis scored 0–20
12M PRICE TARGET CONE+7.2% Base Target
$62 Bull$53 Base$40 Bear
📬 FREE UVE RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for UVE)Realized 20D OHLCV Swing Band: ±6.5%
Deterministic 5-Pillar Attribution (74/100 Composite)
🔍 WHY UVE SCORES 74/100 (B) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Cash Engine Quality+19/20 pts (26% of score)

SEC XBRL FY 2025 (10-K): 23.5% FCF Margin ($377.1M FCF) & 52% Gross Margin

▲ #2 Bullish Driver: Whale & Options Positioning+16/20 pts (22% of score)

20D Institutional Volume Accumulation (±6.5% realized swing band)

▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution13/20 pts (-7 pt drag)

Cannibal Buyback (-1.52% YoY Shares) & executive Form 4 sales trim 7 pts from alignment

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
66
Grade B-$46.70+2.2% Next Q
Q2 (-2Q)
69
Grade B-$47.73-3.7% Next Q
Q3 (-1Q)
71
Grade B$45.98+6.6% Next Q
Current
74
Grade B$49.03+7.3% Hist 90D α
Trajectory: B- (66) → B (74)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the UVE Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 74/100 (B) score, UVE faces multiple-compression risk if 7.2x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-1.52% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($45.13) or 200D SMA ($39.18) invalidates the momentum regime and cuts Target Base ($52.56) toward Bear Floor ($40.20).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $UVE• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “UVE Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 74%NO 26%Trade / Inspect Odds →
CASH DIVIDEND + BUYBACK YIELD
3.47% Total Yield
1.67% Cash ($0.82/yr) + 1.8% Buybacks
PAYOUT SAFETY SPEEDOMETER
88/100 • FORTRESS PAYOUT
FREE CASH FLOW PAYOUT RATIO
38.8% of FCF
8 consecutive years of payout growth
INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (7% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $19,672

Est. Year-10 Shareholder Yield: $683/yr
$10.7K
Yr 1
$11.4K
Yr 2
$12.3K
Yr 3
$13.1K
Yr 4
$14.0K
Yr 5
$15.0K
Yr 6
$16.1K
Yr 7
$17.2K
Yr 8
$18.4K
Yr 9
$19.7K
Yr 10
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in UVE & A-Rated Leaders

  • ✓12-month Bull/Base/Bear fair-value walkthrough on UVE and its top sector peer
  • ✓Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
  • ✓Includes nightly RQD rating-change & forensic signal email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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UVE // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +23.28%📐 HORIZONTAL RANGE
2026-11-04O $48.50H $49.03L $48.50C $49.03VOL 233.3K
RES: $51.38SUP: $41.58SMA50: $45.13SMA200: $39.18
$52.16$46.33$40.49$34.66$28.83RES $51.38SUP $41.58$49.032026-05-052026-06-182026-08-052026-09-212026-11-04
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

UVE Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 UVE Butterfly Map → + Track UVE →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
-7.4%/yr Implied 5Y Growth

vs. +5.5% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on UVE today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for UVE. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for UVE today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (UVE)

Financials Rank #53 of 1097 ⚔️ UFCS vs UVE Full Matrix →

1. Head-to-Head Financials Peer Comparison (UVE vs. UFCS, SAFT, ASIC, BOW)

Industry: Property-Casualty Insurers (68 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, UNIVERSAL INSURANCE HOLDINGS INC (UVE) ranks #53 by composite RQD confidence (74/100, grade B) and #506 by equity capitalization ($1.36B). Within this direct 5-issuer industry benchmark cohort, UVE leads on earnings valuation at 7.2x trailing P/E, while UVE leads on capital efficiency and profitability with 33.2% ROIC and — gross margin. UVE currently leads its immediate peer cohort in composite quantitative strength at 74/100 (B).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
UVE ACTIVE
UNIVERSAL INSURANCE HOLDINGS INC
B 74/100 7.2x — 33.2% +1.09% $1.36B Benchmark Subject
UFCS
United Fire Group Inc.
B- 71/100 12.4x — 12.6% +0.44% $1.47B /ufcs-vs-uve →
SAFT
Safety Insurance Group Inc.
B 74/100 15.4x — 11.1% +0.33% $1.53B /saft-vs-uve →
ASIC
Ategrity Specialty Insurance Company Holdings
C+ 66/100 15.8x — 12.0% +2.02% $1.16B /asic-vs-uve →
BOW
Bowhead Specialty Holdings Inc.
C 63/100 20.9x — 12.0% -0.23% $1.12B /bow-vs-uve →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000891166 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), UNIVERSAL INSURANCE HOLDINGS INC (UVE) reported GAAP revenue of $1.60B (+5.5% vs. FY2024 revenue of $1.52B , and +15.3% cumulative change since FY2023) , GAAP net income of $183.0M, operating cash flow of $381.5M, and free cash flow of $377.1M (+190.1% YoY). On the balance sheet, UVE closed FY2025 with $2.84B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $1.60B $183.0M $381.5M $377.1M $2.84B —
FY2024 (FY) 2024-12-31 $1.52B $58.9M $137.4M $130.0M $2.84B —
FY2023 (FY) 2023-12-31 $1.39B $66.8M $71.0M $71.0M — —

3. UVE Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is UVE stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, UNIVERSAL INSURANCE HOLDINGS INC (NYSE: UVE) is rated B (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 74/100 at a spot price of $49.03 (+1.09% 1D, market cap $1.36B). Pillar breakdown: Fundamental Cash Engine 19/20, Institutional 13F & Options Flow 16/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 13/20. Across 1097 tracked Financials issuers, UVE ranks #53 in composite RQD confidence.

How does UVE compare to UFCS and SAFT in the Financials sector?

Within the Financials sector (Property-Casualty Insurers), UVE carries a Roarable B (74/100 RQD), trailing P/E of 7.2x, gross margin of —, and ROIC of 33.2%. By comparison, UFCS (United Fire Group Inc.) holds a B- grade (71/100 RQD, P/E 12.4x, ROIC 12.6%, cap $1.47B) and SAFT (Safety Insurance Group Inc.) posts a B grade (74/100 RQD, P/E 15.4x, ROIC 11.1%, cap $1.53B). Among the 5-stock peer group, UVE leads on earnings multiple (7.2x) while UVE leads on capital efficiency (33.2% ROIC).

What are the biggest fundamental strengths and SEC risk factors for UVE?

Per UVE's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000891166), UNIVERSAL INSURANCE HOLDINGS INC generated $1.60B in revenue (+5.5% YoY), $183.0M in net income, and $377.1M in free cash flow against $2.84B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is UVE trading relative to its 50-day, 200-day, and 52-week technical levels?

UVE last traded at $49.03 (+1.09% on volume of 233,265 shares), positioning the stock +8.64% above its 50-day simple moving average ($45.13) and +25.14% above its 200-day simple moving average ($39.18). Across its 52-week range of $28.32 to $50.75, UVE sits at the 92.3% percentile with a 14-day RSI of 62.4 (BULLISH MOMENTUM) and an implied next-earnings move of ±6.5% ($45.84 to $52.22).

Direct Sub-Reports: UVE RQD Cockpit UVE 12M Forecast UVE Earnings & Move UVE Dividends & DRIP UVE Insiders & 13F UVE Whale Options UVE Profit Sankey UVE News & Why
ROARABLE RATING BRIEF • RQD 74/100 (B) ✓ SEC XBRL & RQD VERIFIED

UVE — UNIVERSAL INSURANCE HOLDINGS INC: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

UNIVERSAL INSURANCE HOLDINGS INC (UVE) earns a live Roarable RQD composite score of 74/100, corresponding to a B letter grade (Roarable Buy) at a spot price of $49.03 (+1.09% 1D, market capitalization $1.36B).

  • Fundamental Cash Engine (19/20): Anchored by return on invested capital (ROIC) of 33.2%, gross margin of —, operating margin of —, and free cash flow yield of —.
  • Whale 13F & Options Flow (16/20) + Insider Conviction (13/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (13/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 6/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Is a NYSE-listed issuer in the Financials sector, operating in the Property-Casualty Insurers industry. Reported revenue appears in the SEC financials, but the source does not break it down by line of business.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), UNIVERSAL INSURANCE HOLDINGS INC (UVE) reported $1.60B in annual revenue (up from $1.52B in FY2024, +5.5% YoY) and $183.0M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($1.39B revenue, $66.8M net income) through FY2025, UVE scaled operating cash flow to $381.5M and free cash flow to $377.1M, backed by $2.84B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (B • RQD 74/100): Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Big institutional funds and options desks are actively positioning on the bullish side. With Fundamental Cash Engine at 19/20 and Institutional Whale Flow at 16/20, sustained execution supports upside toward the upper end of the $28.32 – $50.75 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 7.2x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

The source therefore provides no upstream or downstream dependency mapping. Sector and industry are classified as Financials and Property-Casualty Insurers. The source does not establish specific sector correlations or second-order bottlenecks; a prospective investor should note that this dimension is unmapped in the dataset.

  • Key Question #1: Can UVE sustain or expand its — operating margin and 33.2% ROIC against Property-Casualty Insurers peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $1.60B and free cash flow of $377.1M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is UVE's 6.7x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

UVE Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for UNIVERSAL INSURANCE HOLDINGS INC (UVE) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to UVE Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

UVE Bull vs. Bear Conversation Board — What's Your Call at $49.03?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON UVE 🐻 33% BEARISH CONVICTION
1. Pick Your Side on UVE:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
DE DeepValue_CFA RQD DEBATE OPENER • Institutional Buy-Side 🐂 BULLISH 🎯 Target: $60.62 (+25.0%)
📌 Pinned Debate

A 33.2% ROIC paired with a 7.2 trailing P/E suggests strong capital returns priced at a low earnings multiple.

Don't sleep on UVE's setup in Financials. A 33.2% ROIC paired with a 7.2 trailing P/E suggests strong capital returns priced at a low earnings multiple.. Beta of 1.0 means it moves fast when momentum turns, and the 5-pillar RQD gauge (74/100) backs up the fundamental quality.

RetailWhale_TX 🐂 BULL

Both sides have a point here — UVE's 13/20 balance sheet score keeps downside contained, so the real swing factor next earnings call is backlog and FCF conversion.

BE BearTrap_Alert RQD DEBATE OPENER • Cycle Peak Watcher 🐻 BEARISH 🎯 Target: $41.23 (-15.0%)
Spot @ $48.50

A 0% FCF yield and unreported debt balances leave the cash-return and leverage picture unresolved despite $377.1M in FCF.

Here is the bear case nobody on the bull side wants to address on UVE: A 0% FCF yield and unreported debt balances leave the cash-return and leverage picture unresolved despite $377.1M in FCF.. At 7.2x trailing P/E, even a small guidance miss in Property-Casualty Insurers triggers a 12-15% air pocket.

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