Universal Insurance Holdings carries a perfect 4-quarter earnings beat streak and an attractive valuation with strong ROE, but the stock has already reached its price target with negative asymmetry, alongside notable insider selling and an elevated put/call ratio near its 52-week high.
Thesis pillars
- Elevated Put Call Hedging→Stable
- Perfect Earnings Beat Streak Catalyst→Stable
- Attractive Valuation Strong Returns→Stable
- +2 more pillars — see the Why tab for full reasoning
UNIVERSAL INSURANCE HOLDINGS IN (UVE) Stock Analysis
Catalyst-Driven edge
Financial Services · Insurance - Property & Casualty
Hold if already holding. Not a fresh buy at $41.76, but acceptable to hold if already in. Reason: Analyst target reached - limited upside remaining.
Universal Insurance Holdings is a Florida-based holding company that underwrites personal residential homeowners insurance through its subsidiaries UPCIC and APPCIC, distributing policies via roughly 9,500 independent agents and its Clovered digital agency across 19 states. The... Read more
Hold if already holding. Not a fresh buy at $41.76, but acceptable to hold if already in. Reason: Analyst target reached - limited upside remaining. Chart setup: No clear chart pattern; technical signals are mixed. Maintain position. Not compelling to add more. Score 6.2/10, moderate confidence.
Passes 6/9 gates (positive momentum, no SEC red flags, news events none recent, earnings proximity 16d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: speculative.
About UNIVERSAL INSURANCE HOLDINGS IN
About UNIVERSAL INSURANCE HOLDINGS IN
Universal Insurance Holdings underwrites personal residential homeowners, renters, condo, and dwelling-fire insurance through UPCIC and APPCIC, its two Florida-domiciled insurance subsidiaries, which together held approximately $509.1 million of combined statutory capital and surplus at December 31, 2025. The company writes business in 19 states, but 72.6% of 2025 direct premiums written came from Florida. UPCIC and APPCIC are both regulated by the Florida Office of Insurance Regulation and rated 'A' (Exceptional) by Demotech.
Beyond underwriting premium, Universal earns fee income through vertically integrated subsidiaries: Evolution Risk Advisors serves as managing general agent and collects fees for underwriting and policy administration, Alder Adjusting handles claims processing and earns fee income adjusting claims ceded to reinsurers, and the Clovered digital agency earns non-risk-bearing commissions placing policies with third-party carriers. The company distributes primarily through approximately 9,500 independent agents, split roughly 3,900 in Florida and 5,600 elsewhere, and mitigates catastrophe exposure through an excess-of-loss reinsurance program supplemented by the Florida Hurricane Catastrophe Fund (FHCF), which currently provides $17 billion of aggregate annual capacity to participating insurers and from which the Insurance Entities purchase reimbursement protection at the maximum mandatory level. In the Florida market, Universal competes not only with national and regional carriers but with Citizens Property Insurance Corporation, the state-backed insurer of last resort whose statutorily capped rates can undercut admitted-market pricing during hard markets.
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Universal's results hinge disproportionately on a narrow slice of geography: the 10-K flags that the company's 'concentration in Florida, and in particular, in Broward, Palm Beach and Miami-Dade counties' exposes it to hurricanes and other South Florida catastrophes more acutely than insurers spread across the country. With 72.6% of 2025 direct premiums written in Florida, adverse regulatory, legal, or weather developments specific to that state — rather than a national trend — would disproportionately drive Universal's results, a dynamic the company itself says has 'a more pronounced effect' on it than on more geographically diversified insurers.
See also: Financial Services · Insurance - Property & Casualty
From UNIVERSAL INSURANCE HOLDINGS IN's most recent 10-K filing, extracted July 6, 2026.
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Rating Breakdown
1 ceiling hit
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Hold if already holding. Not a fresh buy at $41.76, but acceptable to hold if already in. Reason: Analyst target reached - limited upside remaining. Chart setup: No clear chart pattern; technical signals are mixed. Maintain position. Not compelling to add more. Target $43.08 (+3.2%), stop $38.98 (−7.1%), A.R:R -0.8:1. Score 6.2/10, moderate confidence.
Take-profit target: $43.08 (+3.2% upside). Target $43.08 (+3.2%), stop $38.98 (−7.1%), A.R:R -0.8:1. Stop-loss: $38.98.
Analyst target reached - limited upside remaining.
UNIVERSAL INSURANCE HOLDINGS IN trades at a P/E of 6.3 (forward 9.8). TrendMatrix value score: 9.7/10. Verdict: Hold.
6 analysts cover UVE with a consensus score of 3.8/5. Average price target: $44.
What does UNIVERSAL INSURANCE HOLDINGS IN do?Universal Insurance Holdings is a Florida-based holding company that underwrites personal residential homeowners...
Universal Insurance Holdings is a Florida-based holding company that underwrites personal residential homeowners insurance through its subsidiaries UPCIC and APPCIC, distributing policies via roughly 9,500 independent agents and its Clovered digital agency across 19 states. The company generates premium and fee income primarily from Florida homeowners coverage, with 72.6% of 2025 direct premiums written in that state, and relies heavily on reinsurance, including the Florida Hurricane Catastrophe Fund, to manage hurricane exposure.