Universal Insurance Holdings, Inc. logo UVE - Universal Insurance Holdings, Inc.

Price: -- -- | CONSENSUS: Buy DETAILS
STRONG
BUY
0
BUY 2
HOLD 1
SELL 1
STRONG
SELL
0
| PRICE TARGET: $40.00 DETAILS
HIGH: $40.00
LOW: $40.00
MEDIAN: $40.00
CONSENSUS: $40.00
UPSIDE: 2.62%
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1996 1995 1994 1993
Revenue
Revenue 1,595.6 1,520.5 1,391.6 1,222.7 1,121.9 1,072.8 939.4 823.8 751.9 685.3 546.5 369.3 301.2 269.9 225.9 239.9 210.6 182.7 188.5 65.1 19.7 8.0 6.5 9.3 13.4 9.1 8.1 8.5 0.1 0.4 1 1.2
Cost of Revenue 985.9 1,320.8 1,200.6 1,152.7 1,005.4 957.9 780.9 571.8 489.3 427.2 276.0 123.3 108.6 126.2 124.3 113.4 106.1 81.3 59.8 24.9 9.6 2.3 1.0 4.6 0 0 0 0 0 0 0 0
Gross Profit 609.7 199.7 190.9 70 116.5 114.9 158.4 252.0 262.6 258.1 270.6 246.0 192.5 143.8 101.6 126.6 104.5 101.3 128.7 40.2 10.1 5.7 5.5 4.6 13.4 9.1 8.1 8.5 0.1 0.4 1 1.2
Operating Expenses
R&D Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
SG&A Expenses 0 108.6 96.1 90.6 87.4 90.5 94.9 99.2 92.2 95.2 95.6 118.4 92.0 91.2 67.8 64.3 58.3 35.3 39.2 13.5 4.0 6.0 5.8 4.6 8.7 6.5 3.7 3.9 0.4 1.3 1.7 1.8
Other Expenses 366.7 6.5 6.5 6.6 0.6 0.1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 3.9 3.2 0 0.3 0.3 0.1
Operating Expenses 366.7 115.1 102.6 97.2 88.1 90.6 94.9 99.2 92.2 95.2 95.6 118.4 92.0 91.2 67.8 64.3 58.3 35.3 39.2 13.5 4.0 6.0 5.8 4.6 8.7 6.5 7.6 7.1 0.4 1.6 2 1.9
Operating Income
Operating Income 243.1 84.6 88.3 (27.2) 28.4 24.2 63.5 152.9 170.5 162.9 175.0 127.6 100.6 52.6 33.7 62.3 46.2 66.0 89.5 26.7 6.1 (0.3) (0.3) 0.1 4.7 2.7 1.2 2.1 (0.3) (1.2) (1) (0.7)
Interest Expense 4.8 5.8 5.8 5.9 0.6 0.1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.1
Interest Income 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Profitability
EBITDA 256.6 96.5 101.5 (14.0) 35.9 29.4 68.5 157.7 174.5 166.1 177.1 128.8 101.6 53.4 34.4 63.1 46.7 66.5 89.9 27.1 6.4 0.1 (0.0) 0.3 4.9 2.8 1.4 2.1 0 0 0 0
EBIT 249.5 90.4 94.2 (21.3) 29.0 24.3 63.5 152.9 170.5 162.9 175.0 127.6 100.6 52.6 33.7 62.3 46.2 66.0 89.5 26.7 6.1 (0.3) (0.3) 0.1 4.7 2.7 1.2 0 0 0 0 0
Income Before Tax 243.1 84.6 88.3 (27.2) 28.4 24.2 63.5 152.9 170.5 162.9 175.0 127.6 100.6 52.6 33.7 62.3 46.2 66.0 89.5 26.7 6.1 (0.3) (0.3) 0.1 4.7 2.7 1.2 2.1 (0.3) (1.2) (1) (0.7)
Income Tax Expense 60.1 25.7 21.5 (5.0) 8.0 5.1 17.0 35.8 63.5 63.5 68.5 54.6 41.6 22.2 13.6 25.3 17.4 26.0 35.5 9.5 (0.5) 0 0 0 0 0 0 0 0.1 0.3 0.3 0.7
Net Income 183.0 58.9 66.8 (22.3) 20.4 19.1 46.5 117.1 106.9 99.4 106.5 73.0 59.0 30.3 20.1 37.0 28.8 40.0 54.0 17.2 6.5 (0.3) (0.3) 0.1 (3.0) (1.5) 1.2 2.1 (2.4) (1.5) (1.3) (1.4)
Per Share Data
EPS (Basic) 6.56 2.07 2.24 -0.72 0.65 0.60 1.37 3.36 3.07 2.85 3.06 2.17 1.64 0.76 0.51 0.95 0.76 1.07 1.52 0.50 0.20 -0.01 -0.01 0.01 -0.21 -0.10 0.08 0.13 -0.11 -0.07 -0.06 -0.07
EPS (Diluted) 6.32 2.01 2.22 -0.72 0.65 0.60 1.36 3.27 2.99 2.79 2.97 2.08 1.56 0.75 0.50 0.91 0.71 0.99 1.31 0.44 0.19 -0.01 -0.01 0.01 -0.21 -0.10 0.08 0.13 -0.11 -0.07 -0.06 -0.06
Shares Outstanding 27.9 28.5 29.8 30.8 31.2 31.9 33.9 34.9 34.8 34.9 34.8 33.6 35.9 39.6 39.2 39.1 37.6 37.4 35.6 34.4 32.8 30.2 23.8 15.6 14.7 14.8 15.9 16.6 21.5 21.5 21.5 21.5
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2009 2008 2004 2003 2002 2001 2000 1999 1998 1996 1995 1994 1993
Current Assets
Cash & Cash Equivalents 408.9 259.4 397.3 388.7 250.5 167.2 182.1 166.4 213.5 105.7 192.9 257.0 22.4 8.0 4.6 10.5 10.4 16.3 12 0 0 0.1 0.5
Short-Term Investments 162.9 160.0 1,064.3 1,014.6 1,040.5 819.9 855.3 0 10 5.0 0 0 0 0 0 0 0 0 0 0 0 0 0
Net Receivables 308.6 705.6 296.2 880.0 267.5 257.9 291.4 0 0 0 51.9 45,489.1 88.8 0.5 1.2 0 0 0 0 0 0 0 0.2
Inventory 0 0 0 0 0 0 0 469.2 (334.4) (225.2) 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Assets 69.0 221.4 2.6 2.6 2.6 (1,460.6) (1,504.0) 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total Current Assets 1,240.4 1,609.1 1,996.7 2,568.3 1,802.0 0 0 1,476.5 471.9 173.8 244.8 302.5 111.2 8.5 5.8 10.5 10.4 16.3 12 0 0 0.1 0.7
Non-Current Assets
Property, Plant & Equipment 49.3 48.7 47.6 51.4 53.7 53.6 41.4 35.0 32.9 32.2 1.2 0.9 2.6 1.4 1.1 1.0 0.6 0.2 0 0 0.1 0.3 0.5
Goodwill 0 0 0 0 0 0 0 0 0 (75.6) 0 0 0 0 0 0 0 0 0 0 0 0 0
Intangible Assets 128.6 121.2 110.0 103.7 108.8 0 0 84.7 73.1 64.9 0 0 0 0 0 0 0 0 0.1 0 0.7 0.1 0.1
Long-Term Investments 1,369.7 1,109.1 96.5 91.2 53.2 904.7 899.0 883.7 711.5 640.2 114.8 5.6 0 0.1 0.2 0 0 3.3 2.6 0 0 0 0
Other Non-Current Assets 24.0 (1,188.1) 22.6 18.3 22.0 (958.3) (940.4) 922.8 699.0 387.7 562.2 538.1 111.4 33.7 32.0 28.8 29.4 (3.5) (2.7) 0.6 (0.8) 1.5 2.3
Total Non-Current Assets 1,599.3 90.8 319.9 321.8 254.1 0 0 1,858.4 1,455.0 1,060.0 678.2 544.6 114.0 35.2 33.4 29.8 30.1 3.5 2.7 0.6 0 1.9 2.9
Total Assets 2,839.7 2,841.9 2,316.6 2,890.2 2,056.1 1,758.7 1,719.9 1,858.4 1,455.0 1,060.0 678.2 544.6 114.0 35.2 33.4 29.8 30.1 30.1 26.7 0.6 2.4 1.9 2.9
Current Liabilities
Account Payables 257.2 220.3 191.8 384.5 188.7 10.3 122.6 96.4 113.2 84.1 76.3 27.1 3.5 1.2 1.3 0 0 0 0 1 0.9 0.7 0.5
Short-Term Debt 0 1.5 14.6 0 26.8 59.4 90.4 102.8 36.7 0 20.3 0 0 0 0 0 0 0 0.1 0 0 0 0.1
Deferred Revenue 1,153.8 0 1,039.2 998.8 911.5 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Liabilities 680.7 354.3 510.1 1,038.8 346.2 (152.9) (324.8) (102.8) (36.7) (84.1) (117.7) (43.1) (24.7) (6.0) (3.4) 0 0 1.6 0 (1) (0.9) (0.7) (0.6)
Total Current Liabilities 2,146.6 634.5 1,797.3 2,440.7 1,522.2 0 0 199.2 150.0 84.1 96.6 28.4 3.5 1.2 1.3 0 0 1.6 0.1 1 0.9 0.7 0.6
Non-Current Liabilities
Long-Term Debt 100.5 99.8 102.0 102.8 103.7 8.5 9.9 11.4 12.9 15.0 24.6 25 0.7 0.8 0.7 0.4 0 0 0 0 0 0 0
Deferred Tax Liabilities 0 0 0 0 0 0 0 22.9 19.7 26.5 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Non-Current Liabilities 41.6 2,362.3 76.0 58.8 0.6 (8.5) (9.9) 1,331.1 989.8 667.3 (24.6) (25) (0.7) (0.8) (0.7) (0.4) 0 0 0.2 0 0 0 0
Total Non-Current Liabilities 142.0 2,462.1 178.0 161.6 104.3 0 0 1,356.8 1,015.0 688.8 565.0 443.1 110.7 31.8 29.7 26.1 23.2 0 0.2 1.5 1.3 1.2 1.8
Total Liabilities 2,288.7 2,468.6 1,975.3 2,602.3 1,626.4 1,309.5 1,226.0 1,356.8 1,015.0 688.8 565.0 443.1 110.7 31.8 29.7 26.1 23.2 21.3 19.3 1.5 1.3 1.2 1.8
Stockholders' Equity
Common Stock 0.5 0.5 0.5 0.5 0.5 0.5 0.5 0.5 0.5 0.5 0.4 0.4 0.3 0.2 0.2 0.1 0.1 0.1 0.1 0 0 0 0
Retained Earnings 757.4 596.9 560.7 517.5 563.7 567.5 573.6 553.2 464.7 381.9 84.1 75.7 (11.9) (11.6) (11.3) (11.3) (8.2) (6.7) (7.8) (8.1) (5.7) (4.3) (3)
Accumulated Other Comprehensive Income (26.2) (63.2) (74.2) (103.8) (15.6) 3.3 20.4 (8.0) (6.3) (6.4) 0.6 0.0 0 (0.0) (0.1) 0 0 0.4 0 0 0 0 0
Total Stockholders' Equity 551.0 373.2 341.3 287.9 429.7 449.3 493.9 501.6 440.0 371.2 113.3 101.6 3.3 3.5 3.7 3.7 6.9 8.8 7.4 (0.9) 1.1 0.7 1.1
Total Liabilities & Equity 2,839.7 2,841.9 2,316.6 2,890.2 2,056.1 1,758.7 1,719.9 1,858.4 1,455.0 1,060.0 678.2 544.6 114.0 35.2 33.4 29.8 30.1 30.1 26.7 0.6 2.4 1.9 2.9
Debt Metrics
Total Debt 100.5 101.2 116.6 102.8 130.4 67.9 100.3 11.4 12.9 15.0 44.9 25 0.7 0.8 0.7 0.4 0 0 0.1 0 0 0 0.1
Net Debt (308.4) (158.2) (280.7) (285.9) (120.1) (99.3) (81.8) (155.0) (200.6) (90.7) (148.0) (232.0) (21.7) (7.2) (3.9) (10.1) (10.4) (16.3) (11.9) 0 0 (0.1) (0.4)
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2005 2004 2003 2002 2001 2000 1999 1998 1996 1995 1994 1993
Operating Activities
Net Income 183.0 58.9 66.8 (22.3) 20.4 19.1 46.5 117.1 106.9 99.4 6.5 (0.3) (0.3) 0.1 (3.0) (1.5) 1.2 2.1 (2.4) (1.5) (1.3) (1.4)
Depreciation & Amortization 7.1 6.1 7.3 7.3 6.9 5.1 5.0 4.8 4.1 3.2 0.4 0.4 0.3 0.2 0.2 0.1 0.2 0 0 (0.3) (0.3) 0
Stock-Based Compensation 8.7 8.1 2.9 4.7 5.8 8.7 13.0 12.8 10.5 10.3 0 0 0 0 0 0 0 0 0 0 0 0
Change in Working Capital 181.9 83.2 (22.3) 350.7 228.6 83.1 39.0 17.1 88.7 1.0 20.0 15.6 3.6 (8.9) 7.3 (11.5) 0 0.4 0.3 0.2 0.3 0.3
Other Non-Cash Items (1.7) (16.4) 11.8 (3.8) (23.1) (89.4) (20.9) 82.1 33.5 2.8 0.7 0.1 0.0 0.0 (2.5) 8.1 3.5 5.9 1.6 1.2 0.9 0.1
Operating Cash Flow 381.5 137.4 71.0 324.5 234.4 29.3 84.6 230.1 245.0 121.4 27.0 15.9 3.6 (8.5) 1.9 (4.8) 4.9 8.4 (0.5) (0.4) (0.4) (1)
Investing Activities
Capital Expenditure (4.4) (7.4) (4.0) (4.9) (7.2) (17.2) (11.3) (6.7) (4.6) (8.2) (1.5) (1.7) 0 (0.3) (0.5) (0.5) (0.3) 0 0 (0.1) (0.1) (0.3)
Acquisitions 0 0 0 34.2 2.7 0.2 0.0 0.0 0.0 0.0 0 0 0 0 0 0 0 0 0 0 0 0
Purchases of Investments (30.0) (388.1) (184.7) (276.6) (505.8) (1,190.9) (223.0) (463.4) (279.9) (386.8) 0 0 0 (0.0) (0.7) (1.9) 0 0 0 0 0 0
Sales/Maturities of Investments 345.2 170.1 173.4 132.6 271.6 1,230.0 252.9 264.2 206.0 226.2 0 0.2 0.1 0 1.0 1.4 0 0 0 0 0 0
Other Investing Activities (424.4) (2.7) 0.0 (34.1) 9.3 (0.0) 9.7 (6.3) (7.2) (5.5) (0.3) 0.2 0.1 2.7 (0.2) 0 (0.2) (2.9) 0 0 0 0
Investing Cash Flow (113.6) (228.1) (15.3) (148.9) (229.4) 22.0 28.3 (212.3) (85.7) (174.3) (1.8) (1.3) 0.2 2.4 (0.4) (1.0) (0.5) (2.9) 0 (0.1) (0.1) (0.3)
Financing Activities
Net Debt Issuance (1.5) (1.5) (1.5) (1.5) 98.5 (1.5) (1.5) (1.5) (2.2) (2.1) 0.4 (0.1) (0.3) 0.3 0.3 0 0 0 0 0 0 0
Stock Repurchased (22.4) (21.9) (22.0) (11.6) (1.6) (28.9) (66.2) (25.3) (18.1) (8.5) 0 0 0 0 (0.0) (0.1) 0 0 0 0 0 0
Dividends Paid (22.2) (22.3) (23.3) (23.8) (24.2) (24.6) (26.1) (25.5) (24.0) (24.2) (0.0) (0.0) (0.0) (0.0) (0.2) (0.0) 0 0 0 0 0 0
Other Financing Activities (6.1) (1.4) (0.3) (0.6) (4.4) (1.3) (3.7) (12.7) (7.2) (6.6) 0.0 0 0 0 0 0 (0.1) 0 0.5 0.4 0.1 0
Financing Cash Flow (52.1) (47.1) (47.1) (37.5) 68.3 (56.3) (97.2) (64.9) (51.5) (38.4) 0.4 (0.2) (0.4) 0.2 0.1 (0.1) (0.1) 0 0.5 0.4 0.1 0
Cash Position
Net Change in Cash 215.8 (137.9) 8.6 138.2 73.3 (4.9) 15.7 (47.1) 107.8 (91.3) 25.6 14.4 3.4 (5.9) 1.6 (5.9) 4.3 5.5 0 (0.1) (0.4) (1.3)
Cash at Beginning 262.1 399.9 391.3 253.1 179.9 184.7 169.1 216.1 105.7 197.0 22.4 8.0 4.6 10.5 8.9 16.3 12 1.2 0 0.1 0.5 1.8
Cash at End 477.8 262.1 399.9 391.3 253.1 179.9 184.7 169.1 213.5 105.7 48.0 22.4 8.0 4.6 10.5 10.4 16.3 6.7 0 0 0.1 0.5
Free Cash Flow 377.1 130.0 67.0 319.6 227.2 12.1 73.3 223.4 240.4 113.2 25.5 14.2 3.6 (8.8) 1.4 (5.3) 4.6 8.4 (0.5) (0.5) (0.5) (1.3)
Key Metrics 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1996 1995 1994 1993
Income Statement
Revenue 1,595.6 1,520.5 1,391.6 1,222.7 1,121.9 1,072.8 939.4 823.8 751.9 685.3 546.5 369.3 301.2 269.9 225.9 239.9 210.6 182.7 188.5 65.1 19.7 8.0 6.5 9.3 13.4 9.1 8.1 8.5 0.1 0.4 1 1.2
Gross Profit 609.7 199.7 190.9 70 116.5 114.9 158.4 252.0 262.6 258.1 270.6 246.0 192.5 143.8 101.6 126.6 104.5 101.3 128.7 40.2 10.1 5.7 5.5 4.6 13.4 9.1 8.1 8.5 0.1 0.4 1 1.2
Operating Income 243.1 84.6 88.3 (27.2) 28.4 24.2 63.5 152.9 170.5 162.9 175.0 127.6 100.6 52.6 33.7 62.3 46.2 66.0 89.5 26.7 6.1 (0.3) (0.3) 0.1 4.7 2.7 1.2 2.1 (0.3) (1.2) (1) (0.7)
Net Income 183.0 58.9 66.8 (22.3) 20.4 19.1 46.5 117.1 106.9 99.4 106.5 73.0 59.0 30.3 20.1 37.0 28.8 40.0 54.0 17.2 6.5 (0.3) (0.3) 0.1 (3.0) (1.5) 1.2 2.1 (2.4) (1.5) (1.3) (1.4)
EPS (Diluted) 6.32 2.01 2.22 -0.72 0.65 0.60 1.36 3.27 2.99 2.79 2.97 2.08 1.56 0.75 0.50 0.91 0.71 0.99 1.31 0.44 0.19 -0.01 -0.01 0.01 -0.21 -0.10 0.08 0.13 -0.11 -0.07 -0.06 -0.06
Balance Sheet
Cash & Equivalents 408.9 259.4 397.3 388.7 250.5 167.2 182.1 166.4 213.5 105.7 192.9 257.0 22.4 8.0 4.6 10.5 10.4 16.3 12 0 0 0.1 0.5
Total Assets 2,839.7 2,841.9 2,316.6 2,890.2 2,056.1 1,758.7 1,719.9 1,858.4 1,455.0 1,060.0 678.2 544.6 114.0 35.2 33.4 29.8 30.1 30.1 26.7 0.6 2.4 1.9 2.9
Total Debt 100.5 101.2 116.6 102.8 130.4 67.9 100.3 11.4 12.9 15.0 44.9 25 0.7 0.8 0.7 0.4 0 0 0.1 0 0 0 0.1
Stockholders' Equity 551.0 373.2 341.3 287.9 429.7 449.3 493.9 501.6 440.0 371.2 113.3 101.6 3.3 3.5 3.7 3.7 6.9 8.8 7.4 (0.9) 1.1 0.7 1.1
Cash Flow
Operating Cash Flow 381.5 137.4 71.0 324.5 234.4 29.3 84.6 230.1 245.0 121.4 27.0 15.9 3.6 (8.5) 1.9 (4.8) 4.9 8.4 (0.5) (0.4) (0.4) (1)
Capital Expenditure (4.4) (7.4) (4.0) (4.9) (7.2) (17.2) (11.3) (6.7) (4.6) (8.2) (1.5) (1.7) 0 (0.3) (0.5) (0.5) (0.3) 0 0 (0.1) (0.1) (0.3)
Free Cash Flow 377.1 130.0 67.0 319.6 227.2 12.1 73.3 223.4 240.4 113.2 25.5 14.2 3.6 (8.8) 1.4 (5.3) 4.6 8.4 (0.5) (0.5) (0.5) (1.3)