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.
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 $1.34B). 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.
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 $1.46B) 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).
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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC XBRL FY 2025 (10-K): 23.5% FCF Margin ($377.1M FCF) & 52% Gross Margin
20D Institutional Volume Accumulation (±7.3% realized swing band)
Cannibal Buyback (-1.52% YoY Shares) & executive Form 4 sales trim 7 pts from alignment
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.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-1.52% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($45.01) or 200D SMA ($39.08) invalidates the momentum regime and cuts Target Base ($52.56) toward Bear Floor ($40.20).
UNIVERSAL INSURANCE HOLDINGS INC (UVE) advanced +1.09% to $49.03, trading at 92% of its 52-week range ($28.32 – $50.75). High-quality cash engine (steady margins, 33% return on capital) with steady institutional support.
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FORT LAUDERDALE, Fla., October 29, 2026--Universal Announces Additional $20 Million Share Repurchase Authorization
Universal Insurance Holdings, Inc. (NYSE: UVE) ("Universal" or the "Company") announced today that its Board of Directors has authorized the repurchase of up to an additional $20 million of its
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +5.5% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on UVE today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for UVE. Explore sector supply chains on /butterfly.
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 #508 by equity capitalization ($1.34B). 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% | $1.34B | Benchmark Subject |
| UFCS United Fire Group Inc. | B- | 71/100 | 12.4x | — | 12.6% | +0.44% | $1.46B | /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% | $1.14B | /asic-vs-uve → |
| BOW Bowhead Specialty Holdings Inc. | C | 63/100 | 20.9x | — | 12.0% | -0.23% | $1.12B | /bow-vs-uve → |
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 | — | — |
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 $1.34B). 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.
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 $1.46B) 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).
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.
UVE last traded at $49.03 (+1.09% on volume of 233,265 shares), positioning the stock +8.93% above its 50-day simple moving average ($45.01) and +25.46% above its 200-day simple moving average ($39.08). Across its 52-week range of $28.32 to $50.75, UVE sits at the 92.3% percentile with a 14-day RSI of 60.3 (BULLISH MOMENTUM) and an implied next-earnings move of ±7.3% ($45.45 to $52.61).
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 $1.34B).
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.
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.
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Yahoo! Finance Canada report covering UNIVERSAL INSURANCE HOLDINGS INC (UVE) market action, institutional positioning, and fundamental catalysts.
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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.
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.
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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