Financial Services
Live Price
Offline$38.10
+0.71% today
1Y Change
+39.78%
Window
Jun 23, 2025 → Jun 12, 2026
Coverage: 245 bars · Jun 23, 2025 → Jun 12, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Universal Insurance Holdings, Inc. (UVE) is a Financial Services stock with a market cap of $1.11B and listed on NYSE. The stock last traded around $38.10 and up 39.8% across the available one-year price window (Jun 23, 2025 → Jun 12, 2026). Baseline metrics include revenue growth of +4.9%, EPS growth of +216.9%, a dividend yield of 1.9%. What stands out right now is revenue +4.9%, EPS +216.9%, free cash flow +190.1% with operating margin 16.2% and ROIC 8.2%. The dividend is present but secondary, with a yield around 1.9%. Valuation is more restrained than many high-expectation growth names at P/E 5.6 and price/sales 0.7. Stock Foundry combines UVE price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Benchmark Comparison
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
UVE
—
Normalized return
SPY
—
S&P 500
Excess Return
—
Relative to SPY
UVE Max Drawdown
-17.74%
Trailing 1Y
SPY Max Drawdown
—
Trailing 1Y
Uses the longest available daily history for UVE and SPY.
Financial profile
Profitability, balance sheet stamina, and cash efficiency drawn from the latest filings.
FY Revenue
$1.1B
-8.2% YoY
FY Net Income
$20.4M
+191.7% YoY
Free Cash Flow
$227.2M
-28.9% YoY
Revenue Growth
+4.9%
EPS Growth
+216.9%
Gross Margin
31.9%
Net Margin
12.2%
Income statement
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 1.6B | 1.5B | 1.4B | 1.2B | 1.1B |
| Gross Profit | 610M | 200M | 191M | 70M | 116M |
| Operating Income | 243M | 85M | 88M | -27M | 28M |
| EBITDA | 257M | 96M | 101M | -14M | 36M |
| Net Income | 183M | 59M | 67M | -22M | 20M |
| EPS (Diluted) | — | — | — | — | — |
Balance sheet
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Cash & Equivalents | 478M | 259M | 397M | 389M | 251M |
| Total Assets | 2.4B | 2.8B | 2.3B | 2.9B | 2.1B |
| Total Liabilities | 1.8B | 2.5B | 2.0B | 2.6B | 1.6B |
| Shareholder Equity | 551M | 373M | 341M | 288M | 430M |
| Total Debt | 100M | 101M | 117M | 103M | 130M |
| Net Debt | -377M | -158M | -281M | -286M | -147M |
Cash flow positioning
Latest Full Year
Operating Cash Flow
234M
-27.8% YoY
Capital Expenditures
7M
-47.5% YoY
Free Cash Flow
227M
-28.9% YoY
Key ratios
Gross Margin
31.9%
Operating Margin
16.2%
Net Margin
12.2%
ROE
37.5%
Debt / Equity
0.17x
Next Step
Use the numbers to decide whether this is a growth candidate, a quality compounder, or just an interesting outlier.