UVE:NYSEUNIVERSAL INSURANCE HOLDINGS INC Analysis
Data as of 2026-09-01 - not real-time
$42.98
Latest Price
5/10Risk
Risk Level: Medium
Executive Summary
At $42.98, Universal Insurance Holdings, Inc. shows a bullish moving-average alignment, with shorter averages sitting above longer ones. Across the trailing 30 sessions it gained 10.5%. Relative strength is 52.0 — neutral — and the MACD signal is bearish. Price has been bracketed by support at $41.72 and resistance at $45.11.
The shares look undervalued, trading on 5.7 times earnings below a sector average of 16.9. Consensus targets land 4.7% above where the shares trade now. Revenue is growing at 6.7% on a 13.5% profit margin. The 1.47% dividend yield looks covered by current payout levels.
On a 1-10 scale the risk profile lands at 5 — moderate. With 30-day volatility of 38.2%, a beta of 0.05 and a maximum drawdown of 17.7%, position sizing matters here. The wider market backdrop reads extreme greed at 95 on the fear-greed composite.
The horizons line up on buy — conviction 7 out of 10.
The shares look undervalued, trading on 5.7 times earnings below a sector average of 16.9. Consensus targets land 4.7% above where the shares trade now. Revenue is growing at 6.7% on a 13.5% profit margin. The 1.47% dividend yield looks covered by current payout levels.
On a 1-10 scale the risk profile lands at 5 — moderate. With 30-day volatility of 38.2%, a beta of 0.05 and a maximum drawdown of 17.7%, position sizing matters here. The wider market backdrop reads extreme greed at 95 on the fear-greed composite.
The horizons line up on buy — conviction 7 out of 10.
Top Market Events
Universal Insurance Holdings has now completed its January 2026 buyback program, repurchasing 325,637 shares, or 1.Universal Insurance UVE delivered earnings and revenue surprises of +28.Universal Insurance Holdings Inc UVE reports robust growth in adjusted return on equity and core revenue, driven by...
Market Outlook
Short Term
< 1 yearPositive
Model confidence: 6/10
Key Factors
- Short-term moving averages stacked above long-term ones
- Trading above the 200-day average of 36.22
- MACD momentum is negative
Medium Term
1–3 yearsPositive
Model confidence: 6/10
Key Factors
- Short-term moving averages stacked above long-term ones
- P/E of 5.7 versus sector average of 16.9
- Trading above the 200-day average of 36.22
Long Term
> 3 yearsPositive
Model confidence: 7/10
Key Factors
- P/E of 5.7 versus sector average of 16.9
- Return on equity of 40.2%
- Dividend yield of 1.47%
Key Metrics & Analysis
Financial Health
Revenue Growth6.70%
Profit Margin13.49%
P/E Ratio5.7
ROE40.16%
ROA5.68%
Debt/Equity15.36
P/B Ratio1.9
Op. Cash Flow$344.4M
Free Cash Flow$313.7M
Industry P/E16.9
Technical Analysis
TrendBullish
RSI52.0
Support$41.72
Resistance$45.11
MA 20$43.28
MA 50$41.93
MA 200$36.22
MACDBearish
VolumeIncreasing
Fear & Greed Index94.79
Valuation
Fair Value$206.40
Target Price$45.00
Upside/Downside4.70%
GradeUndervalued
TypeBlend
Dividend Yield1.47%
Risk Assessment
Beta0.05
Volatility38.24%
Sector RiskMedium
Reg. RiskHigh
Geo RiskLow
Currency RiskLow
Liquidity RiskMedium
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This analysis may contain inaccuracies and is provided for informational and research purposes only. It is not personal investment advice, a recommendation, or an instruction to buy, sell, or hold any asset.