US · UVE
Universal Insurance Holdings, Inc.
- Sector
- Financial Services · Insurance - Property & Casualty
- Headquarters
- Fort Lauderdale, FL 33309
Price · as of 2025-12-31
$39.70
Market cap 986.48M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $96.07 | +141.99% |
| Intrinsic Value(DCF) | $28.03 | -29.4% |
| Graham-Dodd Method(GD) | $52.54 | +32.34% |
| Graham Formula(GF) | $84.82 | +113.65% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $2.29 | $494.16 | $28.97 | $1.51 | $1.32 |
| 2012 | $2.76 | $35.36 | $3.29 | $1.70 | $20.57 |
| 2013 | $9.65 | $44.76 | $6.67 | $6.47 | $31.61 |
| 2014 | $16.40 | $59.22 | $12.98 | $9.91 | $64.68 |
| 2015 | $12.83 | $56.17 | $74.25 | $16.24 | $165.37 |
| 2016 | $17.78 | $56.25 | $251.02 | $16.63 | $92.31 |
| 2017 | $23.82 | $47.17 | $510.54 | $17.64 | $53.73 |
| 2018 | $23.18 | $47.51 | $239.43 | $20.20 | $58.14 |
| 2019 | $17.01 | $33.44 | $173.24 | $9.88 | $29.54 |
| 2020 | $12.96 | $24.67 | $619.66 | $5.53 | $13.01 |
| 2021 | $10.22 | $45.55 | $13.18 | $5.41 | $8.19 |
| 2022 | $16.90 | $29.08 | $0.00 | $0.00 | $0.00 |
| 2023 | $18.95 | $74.96 | $0.00 | $10.93 | $47.78 |
| 2024 | $20.47 | $32.71 | $13.67 | $11.69 | $35.01 |
| 2025 | $36.35 | $96.07 | $24.85 | $52.54 | $84.82 |
AI valuation
Our deep-learning model estimates Universal Insurance Holdings, Inc.'s (UVE) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $96.07
- Current price
- $39.70
- AI upside
- +141.99%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$28.03
-29.4% upside
Graham-Dodd
$52.54
+32.34% upside
Graham Formula
$84.82
+113.65% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| UVE | Universal Insurance Holdi… | $39.70 | 986.48M | +142% | -29% | +32% | +114% | 5.53 | 1.84 | 0.63 | 2.55 | 2.58 | 1.85 | 38.21% | 15.23% | 11.47% | 39.59% | 159.97% | 8.36% | 0.18 | 50.30 | 19.39 | 19.39 | -1.51 | 21443.00% | 494.00% | 19006.00% | 37.24% | 13.36 | 329.68% | 0.00% | 0.00% | 21.65% | 2.61 | 1.68 | 0.40 | 2.93 |
| ASIC | Ategrity Specialty Holdin… | $22.12 | 1.06B | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| BHF | Brighthouse Financial, In… | $59.98 | 3.43B | +104% | -60% | +116% | +512% | 7.91 | 0.51 | 0.55 | 1.91 | 31.91 | 0.51 | 70.94% | 7.63% | 6.97% | 7.38% | 11.52% | 0.18% | 0.47 | 3.12 | — | — | -3.57 | 2478.00% | 4216.00% | -6483.00% | -2.98% | — | -2.68% | 2.98% | 23.60% | 15.94% | 2.52 | -11.69 | 0.19 | 0.07 |
| BHRB | Burke & Herbert Financial… | $64.44 | 968.44M | -46% | +962% | +44% | +271% | 8.45 | 1.16 | 2.02 | -0.97 | 3.65 | 1.27 | 69.33% | 29.51% | 23.89% | 14.81% | 50.78% | 1.49% | 0.63 | 0.97 | 3.79 | 3.79 | 3.34 | 23120.00% | 2373.00% | -2298.00% | 6.31% | 0.14 | 27.08% | 0.00% | 0.00% | 0.00% | -0.97 | -2.26 | -0.29 | 0.49 |
| BOW | Bowhead Specialty Holding… | $25.33 | 830.4M | +227% | +2,362% | -14% | +136% | 15.58 | 1.87 | 1.52 | -11.06 | 67.01 | 1.87 | 40.16% | 12.20% | 9.75% | 13.14% | -6.07% | 2.67% | 0.00 | 33.43 | 5110.75 | 5110.75 | -3.37 | 2326.00% | 2961.00% | -10013.00% | -0.05% | -1.22 | 0.04% | 0.00% | 0.00% | 16.26% | -11.39 | 2006.63 | -1.39 | 1.47 |
| DGICA | Donegal Group Inc. | $17.62 | 639.97M | +187% | -52% | +91% | +2% | 6.85 | 0.85 | 0.56 | 5.58 | 16.14 | 0.95 | 42.30% | 9.98% | 8.11% | 13.38% | 19.18% | 3.36% | 0.05 | 72.24 | — | — | 0.08 | 4248.00% | -117.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 0.00% | 5.66 | — | 0.56 | 0.92 |
| FMBH | First Mid Bancshares, Inc… | $41.01 | 983.97M | -29% | -6% | -17% | +14% | 10.80 | 1.03 | 2.13 | 1.72 | 67.24 | 1.40 | 72.80% | 25.12% | 19.69% | 10.17% | 45.82% | 1.18% | 0.57 | 1.00 | 0.28 | 0.28 | 2.53 | 1606.00% | 419.00% | -4701.00% | 6.39% | 0.01 | 31.62% | 2.36% | 25.50% | 17.74% | 1.72 | 3.18 | 0.43 | -0.33 |
| HRTG | Heritage Insurance Holdin… | $27.87 | 861.5M | +1% | -31% | -30% | +35% | 5.66 | 1.20 | 0.43 | -0.53 | 34.96 | 1.37 | 21.88% | 10.12% | 7.53% | 24.08% | -41.50% | 2.68% | 0.49 | 7.56 | — | — | -3.02 | 1618.00% | 1108.00% | 3030.00% | 22.65% | — | -53.19% | 0.02% | 0.10% | 0.02% | -0.66 | -0.69 | -0.07 | 0.59 |
| IGIC | International General Ins… | $25.20 | 1.11B | +62% | +19% | -16% | +117% | 7.52 | 1.55 | 1.93 | 4.72 | 44.61 | 1.73 | 43.79% | 25.15% | 25.70% | 22.62% | 50.55% | 7.61% | 0.01 | — | 1.00 | 1.30 | -1.14 | 1686.00% | 1024.00% | 490.00% | 19.94% | 0.32 | 77.51% | 2.61% | 19.60% | 4.88% | 4.84 | 3.16 | 1.22 | 1.28 |
| SAFT | Safety Insurance Group, I… | $77.63 | 1.16B | -25% | +214% | -51% | +79% | 11.43 | 1.27 | 0.90 | 8.84 | 28.45 | 1.31 | 36.43% | 10.10% | 7.91% | 11.54% | 17.20% | 4.19% | 0.08 | 82.80 | 25.00 | 25.00 | 0.00 | 4017.00% | 1301.00% | 5443.00% | 16.93% | 12.34 | 33.27% | 4.75% | 54.30% | 4.75% | 8.95 | 5.91 | 0.90 | 1.77 |
| UFCS | United Fire Group, Inc. | $38.86 | 991.78M | -1% | +141% | +26% | +113% | 8.77 | 1.10 | 0.75 | 5.53 | 10.03 | 1.10 | 44.86% | 10.67% | 8.52% | 13.72% | 42.55% | 3.23% | 0.00 | 13.13 | — | — | -0.98 | 8745.00% | 1075.00% | -1983.00% | 25.41% | — | 94.79% | 1.57% | 13.80% | 8.56% | 5.95 | 3.34 | 0.63 | 0.75 |
About Universal Insurance Holdings, Inc.
Universal Insurance Holdings, Inc., together with its subsidiaries, operates as an integrated insurance holding company in the United States. The company develops, markets, and underwrites insurance products for personal residential insurance, such as homeowners, renters/tenants, condo unit owners, and dwelling/fire; and offers allied lines, coverage for other structures, and personal property, liability, and personal articles coverages. It also advises on actuarial issues, oversees distribution, administers claims payments, performs policy administration and underwriting, and assists with reinsurance negotiations; places and manages reinsurance programs for the insurance entities; and operates Clovered.com, an online platform in which consumers receive side-by-side quotes from various carriers across multiple states, as well as educational materials about homeowners' insurance policies. It offers its products through a network of independent agents, as well as Universal Direct, a direct-to-consumer online platform, which enables homeowners to directly purchase, pay for, and bind homeowners' policies. The company was formerly known as Universal Heights, Inc. and changed its name to Universal Insurance Holdings, Inc. in January 2001. Universal Insurance Holdings, Inc. was incorporated in 1990 and is headquartered in Fort Lauderdale, Florida.
- CEO
- Stephen Joseph Donaghy
- Employees
- 1.07K
- Beta
- 0.70
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($28.03 ÷ $39.70) − 1 = -29.4% (DCF, example).