| Factor | Score | Distribution | Value | Avg | Rank |
|---|---|---|---|---|---|
Valuation | 93 | 5.8x | 17.8x | Top tier | |
Growth | 86 | 4.0% | 7.1% | Top tier | |
Quality | 98 | — | — | Top tier | |
Safety | 25 | — | — | Bottom tier | |
Capital Return | 40 | 1.74% | 2.12% | Bottom tier | |
Momentum | 97 | 81.4% | 2.9% | Top tier | |
Sentiment | 20 | 1 | 3 | Bottom tier |
Estimates — analyst targets and a simplified DCF, not investment advice.
Ten ratios that matter, each compared against its sector median and average — so you can see whether a number is rich or cheap relative to peers in the same sector.
Universal Insurance Holdings operates in homeowners insurance and generates revenue primarily from earned insurance premiums alongside investment income. Its growth depends on policy retention and new business generation across Florida and several other states, with territories and pricing selected according to internal profitability models. In fiscal 2026 Q2, direct premiums written were $621.3 million, direct premiums earned were $544.8 million, and net premiums earned were $377.3 million.
In fiscal 2026 Q2, the company reported EDGAR revenue of $427.0 million and net income of $59.2 million, equivalent to a calculated net income margin of approximately 13.9%, while diluted earnings per share were $2.04. Core revenue presented by management was $419.4 million, up 4.6% year over year, while adjusted diluted earnings per share rose to $1.84 from $1.23 in the comparable quarter.
The business mix in fiscal 2026 Q2 showed direct premiums written growth of 0.8% in Florida and 14.4% in other states, bringing the total increase to 4.1%. The net combined ratio declined 6.2 points year over year to 91.6%, as the net loss ratio improved 7.5 points to 64.8%, while the net expense ratio increased 1.3 points to 26.8%.
Automated analysis for informational purposes only — not investment advice.
The analyst consensus on UVE is Neutral, with a uniform target of $45; the average, high, and low targets are all $45, indicating no visible dispersion among the submitted estimates. This target is near the upper end of the 52-week range of $45.15, while the lower end is $24.09, a range reflecting substantial variation in the market's valuation during the period. No price-to-earnings ratio is available in the data, so the valuation assessment rests on the sustainability of the improvement in the combined ratio and earnings per share versus the analysts' neutral stance.
Figures in the text are as of 2026-09-02; the live price is shown at the top of the page.
Universal Insurance Holdings reported net income of approximately $59.2 million and diluted earnings per share of $2.04 in fiscal 2026 Q2. On an adjusted basis, diluted earnings per share rose to $1.84 from $1.23 in the comparable quarter. The improvement was driven primarily by a lower net loss ratio and higher net premiums earned and investment income.
The net combined ratio declined to 91.6% in fiscal 2026 Q2, down 6.2 points year over year. The net loss ratio fell 7.5 points to 64.8% due to improved claims and litigation trends and current accident-year results. In contrast, the net expense ratio increased 1.3 points to 26.8% because of policy acquisition costs associated with growth outside Florida.
Direct premiums written were $621.3 million in fiscal 2026 Q2, an overall increase of 4.1% year over year. Business in Florida grew 0.8%, while business in other states increased 14.4%. Management said it uses internal profitability models and expands underwriting when rates are adequate, while continuing to raise rates in several states.
During the July 24, 2026 call, management directly linked improved claims and litigation trends to Florida's legislative reforms. It said the litigation case inventory had returned to levels seen before the litigation crisis and that the impact of claims practices predating the reforms was behind the company. Management believes this, along with more favorable reinsurance pricing, supports non-catastrophe risk margins and sustainable profitable growth.
The company repurchased approximately 122 thousand shares at a total cost of $4.5 million during fiscal 2026 Q2. Approximately $8.6 million remained under the existing share repurchase authorization. On July 8, 2026, the board declared a quarterly dividend of $0.16 per share, paid on August 7, 2026 to shareholders of record on July 31, 2026.
The analyst consensus rating is Neutral, and the average price target is $45, which is also the highest and lowest available target. The target is near the top of the 52-week range of $45.15, compared with a low of $24.09. Insider activity during the three months ended with the latest transaction on August 5, 2026 recorded net sales of $1.6 million across two transactions, but these sales may have been prearranged and are not sufficient on their own to support an investment thesis.
