Universal Insurance Holdings, Inc. UVE | NYSE
$42.09
-$0.15 | -0.36%
SIGNAL:
|2026-09-24
|F&G 37
|RSI 39.3
|2026-09-24
|F&G 37
|RSI 39.3
Company Overview:
Market Cap:
$1.17B
Trailing PE:
5.5x
FWD PE *:
9.8x
Payout Ratio (TTM):
10.1%
52-Week Range:
$25.58 - $45.15
* Forward PE is based on street estimates.
10 Year UVE Performance Metrics:
Total Return (with DRIP):
156.2% (9.86% CAGR)
Total Return (no DRIP):
107.5% (7.57% CAGR)
Share Price:
67.0% (5.26% CAGR)
Yield on Cost (with DRIP):
3.90%
Total Invested:
$10,000
Total Value (with DRIP):
$25,618
Total Return $ (with DRIP):
$15,618
Dividend Increase:
14.3% (1.36% CAGR)
Dividend Yield (FWD):
1.52% ($0.64)
UVE 10-yr Total Return ($10K invested)
1M
3M
6M
YTD
1Y
3Y
5Y
10Y
UVE Share Price
1M
3M
6M
YTD
1Y
3Y
5Y
10Y
All
UVE Price CAGR:1Y: 60.04%2Y: 37.82%5Y: 26.41%10Y: 5.26%
UVE Dividend Charts
UVE Dividend CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 1.33%
UVE Dividend Payout Ratio CAGR:1Y: -42.07%2Y: -24.55%5Y: -20.09%10Y: 104.10%
UVE Dividend to FCF Ratio CAGR:1Y: 2.64%2Y: -19.44%5Y: 11.23%10Y: 117.39%
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UVE Fundamentals: Earnings, Revenue, Cash Flow, Ebitda, Cash/Debt, Shares Float, etc:
UVE Revenue CAGR:1Y: 6.20%2Y: 5.72%5Y: 8.77%10Y: 9.61%
UVE EPS CAGR:1Y: 68.60%2Y: 29.84%5Y: 23.85%10Y: 8.06%
UVE Net Income CAGR:1Y: 68.66%2Y: 29.28%5Y: 21.96%10Y: 5.81%
UVE EBITDA CAGR:1Y: 70.67%2Y: 0.00%5Y: 22.11%10Y: 4.05%
UVE Free Cash Flow CAGR:1Y: -4.82%2Y: 21.07%5Y: -12.39%10Y: -0.66%
UVE Free Cash Flow / Share CAGR:1Y: -4.00%2Y: 22.69%5Y: -10.35%10Y: 1.66%
UVE Operating Income CAGR:1Y: 71.64%2Y: 26.79%5Y: 21.51%10Y: 3.79%
UVE Gross Profit CAGR:1Y: 131.41%2Y: -30.91%5Y: -8.36%10Y: 0.61%
UVE Shares Outstanding CAGR:1Y: 0.10%2Y: -0.86%5Y: -1.65%10Y: -2.11%
UVE Share Buybacks CAGR:1Y: -38.90%2Y: -7.07%5Y: 73.46%10Y: -1.07%
UVE Stock-Based Comp CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
UVE Expenses CAGR:1Y: -7.68%2Y: -56.72%5Y: -13.03%10Y: -7.22%
Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:
UVE Actual Revenue CAGR:1Y: 6.20%2Y: 5.72%5Y: 8.77%10Y: 9.61%
UVE Actual EPS CAGR:1Y: 68.60%2Y: 29.84%5Y: 23.85%10Y: 8.06%
UVE Actual Net Income CAGR:1Y: 68.66%2Y: 29.28%5Y: 21.96%10Y: 5.81%
UVE Actual EBITDA CAGR:1Y: 70.67%2Y: 0.00%5Y: 22.11%10Y: 4.05%
Ratios, Profit Margins & Return on Capital:
UVE Net Profit Margin CAGR:1Y: 58.84%2Y: 22.32%5Y: 12.13%10Y: -3.46%
UVE Gross Profit Margin CAGR:1Y: 117.92%2Y: -34.65%5Y: -15.75%10Y: -8.21%
UVE Price to Earnings CAGR:1Y: -12.88%2Y: 14.05%5Y: -0.45%10Y: -0.02%
UVE Price To Sales Ratio CAGR:1Y: 39.24%2Y: 39.95%5Y: 11.78%10Y: -3.41%
UVE Return on Capital Employed CAGR:1Y: -68.71%2Y: -28.89%5Y: 7.22%10Y: -7.88%
UVE Return on Invested Capital CAGR:1Y: -65.84%2Y: -24.84%5Y: -14.95%10Y: -14.11%
UVE Dividends Info:
Annual Dividend:
$0.64
Forward Yield:
1.52%
Ex-Dividend Date:
2026-07-31
Lifetime Dividends / Share:
$11.99
UVE Dividend History: Dates, Payments & Yield list
Below is a schedule of all UVE dividend payments, ex-dates, share price on the day of the payment as well as the annualized yield & forward yield
| Ex-Date | Payment Date | Amount | Yield | Forward Yield | Price on Ex-Date |
|---|---|---|---|---|---|
| 07/31/2026 | 08/07/2026 | $0.160 | 1.46% | 1.45% | $44.15 |
| 05/08/2026 | 05/15/2026 | $0.160 | 1.62% | 1.65% | $38.75 |
| 03/06/2026 | 03/13/2026 | $0.160 | 1.82% | 1.87% | $34.28 |
| 12/05/2025 | 12/12/2025 | $0.290 | 3.73% | 3.51% | $33.02 |
| 08/01/2025 | 08/08/2025 | $0.160 | 2.78% | 2.73% | $23.47 |
| 05/09/2025 | 05/16/2025 | $0.160 | 2.46% | 2.42% | $26.44 |
| 03/07/2025 | 03/14/2025 | $0.160 | 3.03% | 2.94% | $21.80 |
| 12/06/2024 | 12/13/2024 | $0.290 | 5.3% | 5.46% | $21.26 |
| 08/02/2024 | 08/09/2024 | $0.160 | 3.32% | 3.36% | $19.06 |
| 05/09/2024 | 05/17/2024 | $0.160 | 3.16% | 3.11% | $20.58 |
| 03/07/2024 | 03/15/2024 | $0.160 | 3.29% | 3.22% | $19.86 |
| 12/07/2023 | 12/15/2023 | $0.290 | 6.99% | 7.26% | $15.97 |
| 08/03/2023 | 08/11/2023 | $0.160 | 4.33% | 4.52% | $14.16 |
| 05/11/2023 | 05/19/2023 | $0.160 | 4.06% | 4.06% | $15.75 |
| 03/08/2023 | 03/16/2023 | $0.160 | 3.34% | 3.36% | $19.04 |
| 12/08/2022 | 12/16/2022 | $0.290 | 10.56% | 12.11% | $9.58 |
| 08/01/2022 | 08/09/2022 | $0.160 | 5.24% | 5.01% | $12.78 |
| 05/12/2022 | 05/20/2022 | $0.160 | 5.14% | 5.21% | $12.29 |
| 03/09/2022 | 03/17/2022 | $0.160 | 5.2% | 4.95% | $12.93 |
| 12/09/2021 | 12/17/2021 | $0.290 | 7.45% | 6.86% | $16.91 |
| 07/30/2021 | 08/09/2021 | $0.160 | 4.52% | 4.48% | $14.28 |
| 05/13/2021 | 05/21/2021 | $0.160 | 4.44% | 4.56% | $14.04 |
| 03/10/2021 | 03/18/2021 | $0.160 | 4.02% | 4.06% | $15.75 |
| 12/10/2020 | 12/18/2020 | $0.290 | 7.87% | 7.8% | $14.87 |
| 07/30/2020 | 08/07/2020 | $0.160 | 3.64% | 3.24% | $19.75 |
| 05/13/2020 | 05/21/2020 | $0.160 | 3.91% | 3.55% | $18.04 |
| 03/11/2020 | 03/19/2020 | $0.160 | 2.98% | 3.82% | $16.75 |
| 12/12/2019 | 12/20/2019 | $0.290 | 4.09% | 3.95% | $29.38 |
| 07/02/2019 | 07/17/2019 | $0.160 | 2.22% | 2.38% | $26.94 |
| 05/02/2019 | 05/10/2019 | $0.160 | 2.17% | 2.15% | $29.77 |
| 03/08/2019 | 03/25/2019 | $0.160 | 2.04% | 2.09% | $30.61 |
| 11/26/2018 | 12/04/2018 | $0.290 | 2.68% | 2.76% | $42.06 |
| 06/29/2018 | 07/16/2018 | $0.160 | 1.82% | 1.75% | $36.50 |
| 04/26/2018 | 05/04/2018 | $0.140 | 1.74% | 1.69% | $33.10 |
| 02/27/2018 | 03/12/2018 | $0.140 | 1.82% | 1.71% | $32.75 |
| 11/24/2017 | 12/04/2017 | $0.270 | 4.11% | 4.09% | $26.40 |
| 09/11/2017 | 10/24/2017 | $0.140 | 2.79% | 2.35% | $23.85 |
| 06/12/2017 | 07/03/2017 | $0.140 | 2.15% | 2.16% | $25.95 |
| 02/15/2017 | 03/02/2017 | $0.140 | 2.09% | 2.13% | $26.30 |
| 11/29/2016 | 12/12/2016 | $0.270 | 4.38% | 4.18% | $25.85 |
| 09/08/2016 | 10/24/2016 | $0.140 | 2.21% | 2.53% | $22.10 |
| 06/13/2016 | 07/05/2016 | $0.140 | 3.03% | 3.07% | $18.26 |
| 02/16/2016 | 03/02/2016 | $0.140 | 3.19% | 2.81% | $19.91 |
| 11/27/2015 | 12/10/2015 | $0.270 | 5.34% | 4.66% | $23.19 |
| 09/21/2015 | 10/08/2015 | $0.120 | 1.72% | 1.46% | $32.80 |
| 06/16/2015 | 07/02/2015 | $0.120 | 1.98% | 1.9% | $25.21 |
| 02/13/2015 | 03/02/2015 | $0.120 | 2.07% | 1.85% | $25.98 |
| 12/03/2014 | 12/15/2014 | $0.250 | 5.11% | 5.2% | $19.23 |
| 09/19/2014 | 10/01/2014 | $0.100 | 3.14% | 3.22% | $12.42 |
| 06/17/2014 | 07/03/2014 | $0.100 | 2.93% | 3.07% | $13.03 |
| 02/14/2014 | 03/03/2014 | $0.100 | 3.44% | 2.78% | $14.39 |
| 12/11/2013 | 12/23/2013 | $0.230 | 7.41% | 6.89% | $13.36 |
| 09/19/2013 | 10/01/2013 | $0.100 | 5.3% | 5.58% | $7.17 |
| 05/30/2013 | 06/17/2013 | $0.080 | 4.48% | 4.52% | $7.08 |
| 03/12/2013 | 04/05/2013 | $0.080 | 7.1% | 6.08% | $5.26 |
| 12/12/2012 | 12/28/2012 | $0.080 | 7.34% | 7.41% | $4.32 |
| 09/24/2012 | 10/09/2012 | $0.080 | 8.27% | 8.36% | $3.83 |
| 06/22/2012 | 07/09/2012 | $0.080 | 4.82% | 4.83% | $3.31 |
| 03/26/2012 | 04/06/2012 | $0.100 | 5.09% | 5.28% | $3.79 |
| 12/19/2011 | 12/28/2011 | $0.140 | 8.07% | 8% | $3.50 |
| 09/14/2011 | 10/06/2011 | $0.080 | 3.97% | 4.05% | $3.95 |
| 03/09/2011 | 04/07/2011 | $0.100 | 3.42% | 3.64% | $5.50 |
| 10/20/2010 | 11/05/2010 | $0.100 | 8.6% | 8.53% | $4.69 |
| 06/15/2010 | 07/15/2010 | $0.100 | 8.87% | 9.66% | $4.14 |
| 03/17/2010 | 04/06/2010 | $0.120 | 9.04% | 9.28% | $5.17 |
| 11/12/2009 | 12/04/2009 | $0.200 | 13.36% | 14.36% | $5.57 |
| 09/01/2009 | 10/23/2009 | $0.120 | 10.04% | 9.5% | $5.05 |
| 04/07/2009 | 05/04/2009 | $0.120 | 12.4% | 11.88% | $4.04 |
| 02/10/2009 | 03/04/2009 | $0.100 | 11.49% | 11.87% | $3.37 |
| 11/28/2008 | 12/17/2008 | $0.200 | 30.65% | 31.87% | $2.51 |
| 09/30/2008 | 10/30/2008 | $0.100 | 5.75% | 7.27% | $2.75 |
| 07/07/2008 | 08/07/2008 | $0.100 | 5.78% | 5.38% | $3.72 |
| 03/06/2008 | 04/08/2008 | $0.090 | 3% | 3.81% | $4.72 |
| 09/25/2007 | 10/22/2007 | $0.080 | 4.66% | 3.78% | $8.47 |
| 07/18/2007 | 08/10/2007 | $0.070 | 2.44% | 2.5% | $5.59 |
| 03/15/2007 | 04/09/2007 | $0.050 | 5.43% | 5.92% | $3.38 |
| 10/23/2006 | 11/08/2006 | $0.050 | 7.04% | 6.6% | $3.03 |
| 06/26/2006 | 07/10/2006 | $0.040 | 11.35% | 8.65% | $1.85 |
| 04/19/2006 | 05/05/2006 | $0.040 | 15.38% | 14.16% | $1.13 |
Projected Future Returns & Dividends for UVE
Based on past 10-year performance, here are UVE growth metrics:
Share price CAGR of +5.26%
Dividend CAGR of +1.36%
Using UVE CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:
| UVE (DRIP) | UVE - No DRIP | |
|---|---|---|
| Current Price | $42.09 | $42.09 |
| Start Shares | 237.59 | 237.59 |
| Start Value | $10,000 | $10,000 |
| After 10 years: | ||
| Final Share Count | 270.25 | 237.59 |
| Dividends Payment | $0.18 | $0.18 |
| Annual Dividends | $198 | $174 |
| Yield on cost | 1.98% | 1.74% |
| Share Price | $70.30 | $70.30 |
| Total Dividends | $1,732 | $1,617 |
| Final Value | $18,999 | $18,319 |
Estimated Future Value + Dividends - UVE
NOTE: Above numbers are our estimate based on UVE's Dividend and Price CAGR over past 10 years.
These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.
We cannot guarantee that your actual returns will meet these estimates.
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Company Info
Universal Insurance Holdings, Inc. (UVE) had its IPO on 2003-06-06, and is traded on NYSE stock exchange.
Universal Insurance Holdings, Inc., together with its subsidiaries, operates as an integrated insurance holding company in the United States. 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. It also advises on actuarial issues, oversees distribution, administers claims payments, performs policy administration and underwriting, and assists with reinsurance negotiations; evaluates insurance risk and exposures on an individual and portfolio basis and assists the insurance entities with pricing risks; places and manages its reinsurance programs; and operates its digital insurance agency, Clovered.com. It offers its products through its independent agency network, direct-to-consumer online distribution, and digital insurance agency platform. The company was formerly known as Universal Heights, Inc. and changed its name to Universal Insurance Holdings, Inc. in January 2001. Universal Insurance Holdings, Inc. was incorporated in 1990 and is headquartered in Fort Lauderdale, Florida.
UVE website: https://www.universalinsuranceholdings.com
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DCF Model — UVE
Value from:
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The full DCF valuation — fair value, implied growth and the price path — is a paid feature.
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Pay up to today
—
vs current price $42.09
—
Cash flow & implied price by year
FCF is negative or missing for this company (common for banks) — the model discounts EPS instead.
EPS is negative or missing for this company — Simple mode uses free cash flow per share instead.
Free cash flow today
—
grows for the next years
Then mature
—
every future dollar counted back to today
Pile of today-dollars
—
÷ shares
Implied price path
| Year | FCF | Implied price |
|---|
Sensitivity — fair value: growth ↓ × target return →
