Universal Insurance Holdings, Inc.
UVEFinancial ServicesNASDAQInsurance - Property & Casualty · Last scanned Jun 3, 2026
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Daily timeframeUniversal Insurance Holdings, Inc., together with its subsidiaries, operates as an integrated insurance holding company in the United States. With a market capitalization of $1.01B, it sits in small-cap territory. The company offers insurance products for personal residential insurance, such as homeowners, renters and tenants, condo unit owners, and dwelling and fire; and allied lines, coverage for other structures, and personal property, liability, and personal articles coverages.
Market Cap
$1.01B
Beta
0.79
P/E (TTM)
5.37
P/E (Fwd)
8.24
EPS (TTM)
$6.76
EPS (Fwd)
$4.40
ROE
38.9%
ROA
6.1%
Cash
$595.8M
Total Debt
$100.3M
Free CF
$338.5M
52W Change
31.6%
Annual Financials
Cash vs Debt
With $595.8M in cash and $100.3M in debt, UVE maintains more liquidity than leverage. This favorable balance sheet position can be an asset when capital markets become less accommodating. Free cash flow comes in at $338.5M, providing flexibility for reinvestment, buybacks, or dividends. Consistent free cash flow generation is often considered a sign of operational health. ROE of 38.9% points to exceptionally high capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. An ROA of 6.1% suggests reasonable efficiency in deploying the company's asset base. Revenue has grown from $1.12B (2021) to $1.60B (2025), reflecting a 43% increase over the period.
The strong cash position relative to debt provides a financial cushion that reduces balance sheet risk. It is important to consider these factors alongside broader market conditions and individual financial goals when reviewing UVE.