Universal Insurance Holdings Inc (UVE) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Universal Insurance Holdings Inc stock (UVE) is currently trading at $34.19. Universal Insurance Holdings Inc PE ratio is 5.41. Universal Insurance Holdings Inc PS ratio (Price-to-Sales) is 0.61. Analyst consensus price target for UVE is $40.00. WallStSmart rates UVE as Moderate Buy.
- UVE PE ratio analysis and historical PE chart
- UVE PS ratio (Price-to-Sales) history and trend
- UVE intrinsic value — DCF, Graham Number, EPV models
- UVE stock price prediction 2025 2026 2027 2028 2029 2030
- UVE fair value vs current price
- UVE insider transactions and insider buying
- Is UVE undervalued or overvalued?
- Universal Insurance Holdings Inc financial analysis — revenue, earnings, cash flow
- UVE Piotroski F-Score and Altman Z-Score
- UVE analyst price target and Smart Rating
Universal Insurance Holdings Inc
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UVE Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Universal Insurance Holdings Inc (UVE)
UVE trades at a significant discount to its Graham intrinsic value of $301.86, offering a 89% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Universal Insurance Holdings Inc (UVE) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in return on equity, operating margin, price/sales. Overall metrics suggest strong investment potential with favorable risk/reward.
Universal Insurance Holdings Inc (UVE) Key Strengths (6)
Every $100 of shareholder equity generates $40 in profit
Paying less than $1 for every $1 of annual revenue
Earnings per share surging 994.00% year-over-year
73.97% of shares held by major funds and institutions
Strong operational efficiency: $22 kept per $100 revenue
Trading at 1.77x book value, attractively priced
Supporting Valuation Data
Universal Insurance Holdings Inc (UVE) Areas to Watch (3)
Modest revenue growth at 6.00%
Small-cap company with higher risk but more growth potential
Decent profitability, keeps $11 per $100 revenue
Universal Insurance Holdings Inc (UVE) Detailed Analysis Report
Overall Assessment
This company scores 72/100 in our Smart Analysis, earning a B grade. Out of 9 metrics analyzed, 6 register as strengths (avg 9.3/10) while 3 fall into concern territory (avg 5.0/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Return on Equity, Price/Sales, EPS Growth. Valuation metrics including Price/Sales (0.61), Price/Book (1.77) suggest the stock is attractively priced. Profitability is solid with Return on Equity at 39.60%, Operating Margin at 22.10%. Growth metrics are encouraging with EPS Growth at 994.00%.
The Bear Case
The primary concerns are Revenue Growth, Market Cap, Profit Margin. Growth concerns include Revenue Growth at 6.00%, which may limit upside. Profitability pressure is visible in Profit Margin at 11.40%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Revenue Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 39.60% currently healthy but needing to be sustained. Third, growth sustainability, with Revenue Growth at 6.00% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Return on Equity and Price/Sales makes a compelling case at current levels. The key risk is Revenue Growth, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
UVE Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
UVE's Price-to-Sales ratio of 0.61x trades 42% below its historical average of 1.05x (36th percentile). The current valuation is 88% below its historical high of 5.18x set in Nov 2006, and 103% above its historical low of 0.3x in Feb 2022.
WallStSmart Analysis Synopsis
Data-driven financial summary for Universal Insurance Holdings Inc (UVE) · FINANCIAL SERVICES › INSURANCE - PROPERTY & CASUALTY
The Big Picture
Universal Insurance Holdings Inc operates as a stable business with moderate growth and solid fundamentals. Revenue reached 1.6B with 6% growth year-over-year. Profit margins of 11.4% are healthy, with room for further expansion as the business scales.
Key Findings
ROE of 3960.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Generating 25M in free cash flow and 26M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Margin expansion: can Universal Insurance Holdings Inc push profit margins above 15% as the business scales?
Sector dynamics: monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive moves, and regulatory changes that could impact Universal Insurance Holdings Inc.
Bottom Line
Universal Insurance Holdings Inc offers stability with moderate growth and solid fundamentals. The valuation may present an opportunity for patient investors, though limited growth means returns will likely come from dividends and modest capital appreciation rather than explosive gains.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(27 last 3 months)
| Insider | Type | Shares |
|---|---|---|
CAMPOS, KIMBERLY D Director, CIO & CAO | Sell | -1,710 |
| Insider | Type | Shares |
|---|---|---|
DONAGHY, STEPHEN Director, CEO | Sell | -25,000 |
Data sourced from SEC Form 4 filings
Last updated: 8:26:15 AM
About Universal Insurance Holdings Inc(UVE)
NYSE
FINANCIAL SERVICES
INSURANCE - PROPERTY & CASUALT...
USA
Universal Insurance Holdings, Inc., is an integrated insurance holding company in the United States. The company is headquartered in Fort Lauderdale, Florida.