Universal Insurance Holdings stock
UVENYSEUniversal Insurance Holdings, Inc., Financial ServicesISIN US91359V1070
87Score 87 out of 100, Strong
Price and trend
82 / 100
Price history
+41% in one yearThe chart shows daily closes over 20 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Above the 200-day line: the price is 22% above it.
Since March 2025 the 50-day line has been above the 200-day line; the trend has turned up.
Normal: the price is neither overheated nor sold off (RSI 49).
The price is at its 52-week high. Largest decline in 20 years: 83% (September 2018 to October 2022).
Chart figures for advanced users
- SMA 50$45.65
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$39.73
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)49
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDbelow the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$28.85
- The lowest closing price of the last twelve months.
- Resistance$49.03
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- Universal Insurance Holdings, Inc. belongs to the Insurance (Property & Casualty) industry (United States) and, with a market value of $1.34B, is number 45 of 58 companies in its industry on MEQIRI.
- In fiscal 2025 it reported revenue of $1.6B (up 4.9% year on year) and earnings of $182.95M (up 210.5%).
- MEQIRI Score 87 out of 100 (Strong): rank 8 of 976 in Financial Services, median 68.
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- The P/E is 6.1 (Insurance (Property & Casualty) median 12.4, own median of recent years 10.2).
- Our model puts fair value at $75.71, with the price 36% below it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Earnings per share growingUp 61.3% a year since 2020.Growth 81
- High return on equityReturn on equity 38.5% over the last 12 months.Profitability 95
- Modestly valuedP/E 6.1, Insurance (Property & Casualty) median 12.4, own median 10.2.Valuation 96
Weaknesses
- Margin may fall backOperating margin 15.2%, average of the prior years 2.5%, which ranged from −2.2% to 6.3%. After peaks like this, the margin was more than a quarter lower two years later in 44 of 100 cases, against 24 of 100 for other companies with high margins.
Its standout strengths are valuation and profitability.
Daily figure as of 12 Nov 2026
How the score is calculatedScore overview
The fundamentals are strong overall.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk low
How well MEQIRI warnsOne of the 30% with the lowest crash risk among smaller stocks.
From 2016 to 2025, 14 in 100 such stocks fell 30% or more within a year, against a group average of 23 in 100.
What drives the risk
- high growth grade (crashed more often in the backtest)
What lowers it
- solid fundamentals
- price near its 52-week high
Valuation
Valuation signal
Significantly undervaluedClosing price of 11 Nov 2026, used by the daily score.
In our model the price counts as cheap below $58.24 and expensive above $108.16 (uncertainty medium, based on the price swings of the past year).
The two parts of the fair value come to $52.93 (excess return model) and $98.50 (industry comparison), and the gap between them shows how uncertain the estimate is. The price is below both.
Calculated with a cost of equity of 8.8%. At 9.8% the fair value would be $71.30, at 7.8% it would be $82.33.
Valuation metrics
Half from the excess return model, half from earnings times the industry P/E (12.4).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Sep 2026, revenue rose 5.1% on the twelve months before. Revenue has grown strongly since 2006, at around 18% per year.
Margins
- Operating margin
- Net margin
In fiscal 2025: operating 15%, net 11%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out.
Debt & balance sheet
latest quarterFor banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- 23 Feb 2027in 103 days
- Last reported
- 22 Oct 2026EPS reported $1.93 (expected $1.57)above expectations
Analyst estimates
- Earnings per share
- $6.13−0.1%
- Revenue
- $2.21B−0.5%
- Earnings per share
- $5.30+11.6%
- Revenue
- $2.21B−2.3%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook confirmed
Share price after the results: +15.0%No change to guidance stated, favorable claims trends are expected to continue supporting margins through the year.
“Notably, the net loss ratio improved by 7.5 points year-over-year, driven by favorable claims and litigation trends that we expect to benefit non-catastrophe margins throughout the year.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 24 Jul 2026 (fiscal Q2 2026), read by AI.
Insiders
Open-market purchases and sales by executives, board members and major holders
No open-market purchases in the last 6 months. 3 insiders sold, $6.47M in total.
Sales say less than purchases: many insiders sell on a fixed plan, for taxes or to diversify.
- Springer JonSale
4 Nov 2026, Board
- Shares
- 16,380
- Price
- $48.96
- Value
- $802,011
- Springer JonSale
3 Nov 2026, Board
- Shares
- 25,000
- Price
- $48.77
- Value
- $1.22M
- Downes Sean PSale
30 Oct 2026, Executive Chairman
- Shares
- 20,000
- Price
- $48.23
- Value
- $964,549
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- Downes Sean PSale
11 Sept 2026, Executive Chairman
- Shares
- 20,000
- Price
- $43.98
- Value
- $879,562
- Downes Sean PSale
5 Aug 2026, Executive Chairman
- Shares
- 20,000
- Price
- $44.27
- Value
- $885,364
- Downes Sean PSale
11 Jun 2026, Executive Chairman
- Shares
- 20,000
- Price
- $38.22
- Value
- $764,336
- Downes Sean PSale
15 May 2026, Executive Chairman
- Shares
- 20,000
- Price
- $38.73
- Value
- $774,604
- Pietrangelo MichaelSale
13 May 2026, Board
- Shares
- 4,500
- Price
- $39.29
- Value
- $176,794
Partial trades from one filing are shown in one row, with the average price.
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at Universal Insurance Holdings
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
976 rated companies in Financial Services
- This company
- 87
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Insurance (Property & Casualty)
The next larger and next smaller companies by market value
- Línea Directa AseguradoraLDA.MC $1.55B76
- Safety Insurance GroupSAFT $1.53B60
- TrupanionTRUP $1.49B52
- Stewart Information ServicesSTC $1.35B47
- United Fire GroupUFCS $1.32B64
- Ategrity Specialty HoldingsASIC $1.16B70
- Bowhead Specialty HoldingsBOW $1.13B75
- Heritage Insurance HoldingsHRTG $996.24M76
ETFs that hold Universal Insurance Holdings
Held by 10 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| Avantis Global Small Cap Value UCITS ETFAVWS | 0.12% | 0.39% | €1.47B |
| L&G Russell 2000 US Small Cap Quality UCITS ETFETLZ | 0.06% | 0.30% | €185.82M |
| State Street SPDR Russell 2000 U.S. Small Cap UCITS ETF (Acc)ZPRR | 0.05% | 0.30% | €4.22B |
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| Xtrackers Russell 2000 UCITS ETF 1CXRS2 | 0.04% | 0.30% | €2.17B |
| State Street SPDR MSCI USA Small Cap Value Weighted UCITS ETFZPRV | 0.03% | 0.30% | €944.34M |
| iShares MSCI USA Small Cap CTB Enhanced ESG UCITS ETFSXRG | 0.01% | 0.43% | €2.48B |
| State Street SPDR MSCI World Small Cap UCITS ETF (Acc)ZPRS | 0.01% | 0.45% | €1.53B |
| UBS MSCI USA Select Factor Mix UCITS ETF USD accUSUE | 0.00% | 0.25% | €175.89M |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 12 Nov 2026, recalculated nightly
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Strong, published since 7 Nov 2026 (in the score history since 17 Jan 2025)
- Valuation signal Undervalued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.