Universal Insurance Holdings, Inc. (UVE)
NYSEFinancialsInsurance - Property & CasualtySnapshot 2026-09-04
$44.14-1.41%
Close 2026-09-04 · 1-day change
NYSEFinancialsInsurance - Property & CasualtySnapshot 2026-09-04
QuarterlyIQ Insights · UVE
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
A guidance track record builds as the company issues and delivers on guidance.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Continue to grow direct premiums and improve underwriting margins to achieve sustained profitable growth across multi-state footprint.
Stated as a priority in 2 of last 2 quarters. Direct premiums written grew 4.1% year-over-year in 2026-Q2, with net loss ratio improving by 7.5 points to 64.8%. Annualized return on common equity remained strong at 38.8% in 2026-Q2 and 38.2% in 2026-Q1. Management is delivering on profitable growth with improved underwriting and revenue.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 2 of the last 3 quarter-over-quarter moves. Historically, Financials names rated strong grew net income 67% of the time over the next year (vs 56% for the rest of the cohort, n=7680).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
“Delivered a very strong 38.8% annualized return on common equity, driven by solid underwriting and revenue performance”
“Fantastic start to the year, with a 38.2% annualized return on common equity and growth across our multi-state footprint”
Maintain and extend reinsurance coverage with efficient pricing and multi-year capacity to stabilize risk exposure.
Stated as a priority in 2 of last 2 quarters. The company completed the 2026-2027 reinsurance renewal and added $352 million of multi-year coverage extending through 2027-2028. The ceded premium ratio decreased from 32.8% in 2026-Q1 to 30.8% in 2026-Q2, reflecting the new program. Management is delivering on reinsurance program renewal and risk stabilization.
“New reinsurance program incepted on June 1, 2026, lowering ceded premium ratio”
“Secured 2026-2027 reinsurance renewal with $352 million additional multi-year coverage”
Continue paying quarterly cash dividends at a stable rate to shareholders.
Stated as a priority in 3 of last 3 quarters. The Board declared a consistent quarterly cash dividend of $0.16 per share in 2025-Q4, 2026-Q1, and 2026-Q2. Management is delivering on maintaining a stable dividend payout.
“Board declared quarterly cash dividend of $0.16 per share payable August 7, 2026”
“Board declared quarterly cash dividend of $0.16 per share payable May 15, 2026”
“Board declared quarterly cash dividend of $0.16 per share payable March 13, 2026”
Meet or exceed the adjusted diluted earnings per share guidance set for the full fiscal year 2026.
Stated as a priority in 2 of last 2 quarters. Adjusted diluted EPS guidance increased from $2.00 in 2026-Q1 to $3.85 in 2026-Q2. Actual adjusted diluted EPS was $2.00 in 2026-Q1 and $1.84 in 2026-Q2. The trajectory shows management updating guidance upward but actual EPS in 2026-Q2 slightly below 2026-Q1, indicating mixed delivery so far.
“Adjusted diluted earnings per common share guidance of $3.85 for 2026”
“Diluted adjusted EPS guidance of $2.00 for 2026”
Continue paying quarterly cash dividends at $0.16 per share as declared by the Board of Directors.
Over the trailing year it converted 2.84x of net income into operating cash flow. Historically, Financials names rated robust grew net income 62% of the time over the next year (vs 56% for the rest of the cohort, n=6844).
Not enough signal yet.
Not enough signal to read sensitivity to the broad stock market, the US dollar, real (inflation-adjusted) rates, long-term interest rates, Fed net liquidity (low R² over the window).
15 material management or governance events in the past 24 months, led by capital-allocation actions. Historically, Financials names rated volatile grew net income 59% of the time over the next year (vs 56% for the rest of the cohort, n=2797).
Not investment advice. As of 2026-09-04.