Universal Insurance Holdings, Inc. (UVE)
NYSEFinancialsInsurance - Property & CasualtySnapshot 2026-11-04
$48.78-0.20%
Close 2026-11-04 · 1-day change
NYSEFinancialsInsurance - Property & CasualtySnapshot 2026-11-04
QuarterlyIQ Insights · UVE
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -23.2% |
| Our one-year growth estimate | diamond |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
No outside relationship met the current evidence threshold.
Based on historical daily prices through 2026-11-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
| 27.6% |
Growth built into the price is above our model estimate.
The price assumes 50.8 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-04 · Compared with 25 industry peers · Company calendar date is not available
UVE — dividend update
Dated 2026-11-05
Regulation FD Disclosure On November 5, 2026, Universal Insurance Holdings, Inc. (the “Company”) announced that its Board of Directors declared a cash dividend of $0.29 per share of the Company’s common stock, payable on December 11, 2026 to shareholders of record as of the close of business on December 4, 2026. The announcement, a copy of which is attached hereto as Exhibit 99.1, is incorporated herein by reference.
Why it matters: The Q3 loss ratio fell to 64.6%. A low ratio would support management’s view that claims trends are improving.
Supportive ifQ4 net loss ratio is below 70% and the combined ratio stays below 96.4%.
Worry ifQ4 net loss ratio reaches 70% or more, or the combined ratio rises above 96.4%.
Why it matters: The company has kept the quarterly dividend at 16 cents. A cut would mark a change in its stated capital return.
Worry ifThe next dividend announcement keeps the quarterly payment at 16 cents per share or raises it.
Less concerning ifThe next dividend announcement sets the payment below 16 cents per share or omits it.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$118 on $10,000 · ±1.2% | How much price usually moves either way. |
| Bad day | $283 loss on $10,000 · 2.8% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,774 loss on $10,000 · 17.7% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.