UVE

Universal Insurance Holdings, Inc.

Financial Services · $1.2B market cap

Verdict

Share price

$43.95

close of Oct 3, 2026

Fair value

$57.97

Sticker Price

Payback Price

$23.19

buy price

Undervalued

UVE is Undervalued: at $43.95 it trades 24% below its fair value of $57.97. Its buy price (Payback Price) is $23.19, 47% below today's price. Business quality is solid: 3 of 5 key numbers clear the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

3 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth6.8% a year✗
Equity per share growth13.0% a year✓
Sales growth14.3% a year✓
Free cash flow growth6.0% a year✗
Return on invested capital14.8%✓

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Insider activity

Since Jul 28, 2026: no open-market purchases, 2 sales worth $1.8M and 1 other filing (stock awards, tax withholding and similar). Why purchases matter

Sales

Other filings

About Universal Insurance Holdings, Inc.

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…

Insurance - Property & Casualty

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works