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Florida-based homeowners insurance company also writing property insurance in several other US states.
Florida-based homeowners insurance company also writing property insurance in several other US states.
Collects premiums up front, pays claims later, and buys reinsurance to cap hurricane losses, so earnings turn on storm seasons and the cost of reinsurance as well as on pricing. Florida carries most of its business, which makes state rate approvals and legal reforms important.
Moat: narrow (regulatory licence, process know-how). Deep Florida catastrophe-underwriting and reinsurance-purchasing experience are hard to replicate quickly.
Headquarters: Fort Lauderdale, Florida, US · Founded: 1990 · Employees: 929
Size Universal Insurance (UVE) is a United States Financials company (Property/Casualty Insurance) with a market value of $1.29B, the 2083rd largest of 3,117 United States companies the cockpit tracks. Shares closed at $46.75 on 6 Nov 2026.
Performance Over six months the shares gained 18.5%, against +19.6% for the median peer and -1.1% for the United States market (cap-weighted) — 10th lowest of 20 in its peer set.
Growth Revenue grew 5.5% over the last twelve months (peer median +9.5%); the operating margin is 19.0% (peer median 21.0%).
Valuation It trades at 2.00× book value against a peer median of 1.56× (5th most expensive of 21).
Price implies The share price implies a return on equity of about 13.1%; Universal Insurance delivers 40.8%, so the price asks less than the business earns today.
Short interest Short interest is 3.2% of the free float (15 Oct 2026).
Next results Next results expected around 25 Feb 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $1.67B | $1.60B | $1.52B | $1.39B | $1.22B |
| Revenue growth | — | +5% | +9% | +14% | — |
| Net income | $233M | $183M | $58.9M | $66.8M | -$22.3M |
| Free cash flow | $360M | $377M | $130M | $67.0M | $320M |
| Capital expenditure | $4.64M | $4.44M | $7.37M | $4.02M | $4.90M |
| Total debt | $97.4M | $100M | $101M | $117M | $103M |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Universal Insurance UVE | $1.29B | +19% | +6% | 41% | 2.00× | 13.1% |
| HCI HCI | $2.31B | +22% | +23% | 34% | 2.15× | 17.3% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | UVE | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -0.5% | 0.0% | 10th lowest of 21 |
| 6-month return | +18.5% | +19.6% | 10th lowest of 20 |
| Return on equity | 40.8% | 15.4% | 3rd highest of 20 |
| Price / book | 2.00× | 1.56× | 5th most expensive of 21 |
| Trailing P/E | 5.8× | 11.0× | 3rd cheapest of 19 |
| ROE the price implies | 13.1% | 9.0% | 5th most demanding of 20 |
| ROE delivered | 40.8% | 15.4% | 2nd highest of 18 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Universal Insurance UVE | United States | $1.29B | +19% | +6% | 41% | 2.00× | 13.1% | 40.8% |
| United Fire UFCS | United States | $1.23B | -1% | +11% | 15% | 1.31× | 9.0% | 14.9% |
| Ategrity Specialty Insurance ASIC | United States | $1.16B | +23% | +30% | 16% | 1.89× | 9.3% | 15.8% |
| Shinkong Insurance 2850.TW | Taiwan | $1.51B | +21% | +22% | 24% | 2.27× | 6.6% | 24.0% |
| Safety Insurance SAFT | United States | $1.53B | +46% | +7% | 8% | 1.75× | 8.9% | 7.8% |
| Heritage Insurance HRTG | United States | $984M | +48% | +2% | 42% | 1.64× | 14.1% | 41.7% |
| Hippo HIPO | United States | $929M | +28% | +21% | 7% | 1.98× | 22.6% | 7.2% |
| Orion180 Insurance OIG | United States | $888M | n/a | +38% | 77% | 73.37× | n/a | n/a |
| Kemper KMPR | United States | $1.97B | +10% | -4% | -19% | 0.90× | 9.4% | -19.3% |
| Employers EIG | United States | $830M | +13% | -13% | 3% | 1.06× | 7.7% | 3.0% |
| Horace Mann Educators HMN | United States | $2.16B | +20% | +4% | 12% | 1.46× | 7.9% | n/a |
| Lancashire LRE.L | United Kingdom | $2.24B | +18% | -2% | 22% | 1.49× | 12.7% | 21.8% |
| Porch PRCH | United States | $2.26B | +80% | +20% | n/a | 345.11× | 5,821.2% | n/a |
| Hyundai M&F INS 001450.KS | South Korea | $2.29B | +38% | -5% | 21% | 0.51× | 4.2% | 21.0% |
| HCI HCI | United States | $2.31B | +22% | +23% | 34% | 2.15× | 17.3% | 33.8% |
| Zenkoku Hosho 7164.T | Japan | $2.69B | +1% | +2% | 14% | 1.74× | 6.2% | 14.1% |
| NMI NMIH | United States | $2.94B | 0% | +8% | 15% | 1.10× | 7.9% | 15.4% |
| Lotte Non-Life Insurance 000400.KS | South Korea | $569M | +18% | +19% | -2% | 0.82× | 5.1% | -2.1% |
| Sabre Insurance SBRE.L | United Kingdom | $565M | +17% | -10% | 15% | 1.72× | 9.5% | 15.0% |
| SiriusPoint SPNT | United States | $3.06B | +12% | +23% | 23% | 1.34× | 9.5% | 23.1% |
| American Integrity Insurance AII | United States | $528M | +37% | +35% | 26% | 1.43× | 7.8% | 26.2% |