Universal Insurance Holdings, Inc.
UVEFinancial ServicesNASDAQInsurance - Property & Casualty · Last scanned Sep 5, 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. Valued at $1.23B, UVE is a small-cap name in its sector. 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
$1.23B
Beta
0.73
P/E (TTM)
5.89
P/E (Fwd)
9.81
EPS (TTM)
$7.50
EPS (Fwd)
$4.50
ROE
40.2%
ROA
5.7%
Cash
$532.2M
Total Debt
$97.9M
Free CF
$313.7M
52W Change
80.0%
Annual Financials
Cash vs Debt
Where UVE stands vs its 150-day and 200-day moving averages
As of the August 17, 2026 close, UVE finished 18.81% above its 150-day moving average ($36.37) and 22.17% above its 200-day moving average ($35.37). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is UVE overbought or oversold?
At the August 17, 2026 close, UVE's RSI(14) was 50.2, in neutral territory (between 30 and 70). The MACD histogram was negative, so short-term momentum leaned bearish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
With $532.2M in cash and $97.9M 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 $313.7M, providing flexibility for reinvestment, buybacks, or dividends. Consistent free cash flow generation is often considered a sign of operational health. ROE of 40.2% points to exceptionally high capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. An ROA of 5.7% 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.