UVE
Universal Insurance Holdings, Inc.
NYSEUSDEQUITY
Financial Services
DELAYED
Buy
+34/100
Last price
43.51
▼ 0.15 (0.34%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
Lower pane
Overlay another symbol
Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
—
H —
L —
Range —
Vol —
vs
Drag pan · Pinch zoom · Hold crosshair · pick a tool then drag to draw
Open
—
Prev close
43.66
Day high
44.31
Day low
43.11
Volume
91.86K
Market cap
$1.21B
P/E (TTM)
5.73
52W range
27.89 – 45.15
Trailing performance
Returnvs SPY
1W
+3.01%
+1.1%
1M
-1.43%
-2.6%
3M
+4.19%
-0.3%
6M
+27.48%
+9.3%
YTD
+28.73%
+14.5%
1Y
+53.37%
+36.9%
3Y
+210.34%
+128.1%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on UVE open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
-76.77K
Net selling
Buy transactions
9
30.73K shares
Sell transactions
6
107.50K shares
Net transactions
+15
Buys less sells
Sell : buy shares
3.5 : 1
Mixed
Insider-held shares
3.09M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Sep 11, 26 | DOWNES SEAN P Officer and Director |
SELL | 20.00K | $879.56K | Direct |
| Aug 5, 26 | DOWNES SEAN P Officer and Director |
SELL | 20.00K | $885.36K | Direct |
| Jun 11, 26 | PIETRANGELO MICHAEL A Director |
STOCK | 3.41K | $0 | Direct |
| Jun 11, 26 | SCHINDLER OZZIE A Director |
STOCK | 3.41K | $0 | Direct |
| Jun 11, 26 | SPRINGER JON W Director |
STOCK | 3.41K | $0 | Direct |
| Jun 11, 26 | PETERSON RICHARD D Director |
STOCK | 3.41K | $0 | Direct |
| Jun 11, 26 | MCCAHILL FRANCIS XAVIER III Director |
STOCK | 3.41K | $0 | Direct |
| Jun 11, 26 | CALLAHAN SCOTT P Director |
STOCK | 3.41K | $0 | Direct |
| Jun 11, 26 | GORDON MARLENE Director |
STOCK | 3.41K | $0 | Direct |
| Jun 11, 26 | BROWN SHANNON A. Director |
STOCK | 3.41K | $0 | Direct |
| Jun 11, 26 | BARTON CAROL G Director |
STOCK | 3.41K | $0 | Direct |
| Jun 11, 26 | DOWNES SEAN P Officer and Director |
SELL | 20.00K | $764.34K | Direct |
| May 15, 26 | DOWNES SEAN P Officer and Director |
SELL | 20.00K | $774.60K | Direct |
| May 13, 26 | PIETRANGELO MICHAEL A Director |
SELL | 7.50K | $295.43K | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
CALLAHAN SCOTT P |
Director | 32.51K | Stock Award(Grant) |
DONAGHY STEPHEN J |
Chief Executive Officer | 699.46K | Conversion of Exercise of derivative security |
DOWNES SEAN P |
Officer and Director | 1.13M | Sale |
GORDON MARLENE |
Director | 28.48K | Stock Award(Grant) |
MCCAHILL FRANCIS XAVIER III |
Director | 29.48K | Stock Award(Grant) |
PETERSON RICHARD D |
Director | 28.87K | Stock Award(Grant) |
PIETRANGELO MICHAEL A |
Director | 84.71K | Stock Award(Grant) |
SCHINDLER OZZIE A |
Director | 44.20K | Stock Award(Grant) |
SPRINGER JON W |
Director | 250.73K | Stock Award(Grant) |
WILCOX FRANK C |
Chief Financial Officer | 136.27K | Conversion of Exercise of derivative security |
Fundamentals
Market cap$1.21B
Enterprise value$776.59M
Revenue (TTM)$1.63B
Gross profit$421.50M
EBITDA$305.72M
Net income$219.89M
EPS (TTM)$7.60
Free cash flow$313.72M
Total cash$532.16M
Total debt$97.85M
Book value / share$22.90
Shares outstanding27.83M
Float25.32M
Short % of float2.81%
Dividend yield1.47%
Beta (5Y)0.70
Valuation & profitability ratios
Trailing P/E5.73
Forward P/E9.67
PEG ratio—
Price / sales—
Price / book1.90
EV / revenue0.48
EV / EBITDA2.54
Gross margin25.87%
Operating margin19.11%
Profit margin13.49%
Return on equity40.16%
Return on assets5.68%
Debt / equity15.36
Current ratio0.57
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $1.60B | $1.52B | $1.39B | $1.22B | +5.5% |
| Operating revenue | $1.60B | $1.52B | $1.39B | $1.22B | +5.5% |
| Selling, general & admin | $118.30M | $108.64M | $96.06M | $90.64M | +8.9% |
| Net interest income | -$6.42M | -$6.48M | -$6.53M | -$6.61M | +0.8% |
| Pre-tax income | $243.07M | $84.61M | $88.35M | -$27.25M | +187.3% |
| Tax provision | $60.12M | $25.68M | $21.53M | -$4.99M | +134.1% |
| Net income | $182.95M | $58.93M | $66.82M | -$22.26M | +210.5% |
| Net income to common | $182.94M | $58.92M | $66.81M | -$22.27M | +210.5% |
| Basic EPS | 6.56 | 2.07 | 2.24 | -0.72 | +216.9% |
| Diluted EPS | 6.32 | 2.01 | 2.22 | -0.72 | +214.4% |
| EBIT | $248.78M | $90.38M | $94.17M | -$21.34M | +175.3% |
| Basic shares | 27.89M | 28.50M | 29.83M | 30.75M | -2.1% |
| Diluted shares | 28.96M | 29.27M | 30.15M | 30.75M | -1.1% |
| Line item | 2025 | 2024 | 2023 | 2022 | 2021 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $408.87M | $259.44M | $397.31M | $388.71M | — | +57.6% |
| Cash & short-term investments | $571.79M | $1.53B | $1.46B | $1.40B | — | -62.6% |
| Accounts receivable | $308.64M | $705.55M | $296.17M | $878.42M | — | -56.3% |
| Property, plant & equipment | $49.35M | $48.65M | $47.63M | $51.40M | — | +1.4% |
| Total assets | $2.84B | $2.84B | $2.32B | $2.89B | — | -0.1% |
| Current debt | — | — | $14.60M | $0 | $26.76M | — |
| Long-term debt | $100.48M | $101.24M | $102.01M | $102.77M | — | -0.8% |
| Total debt | $100.48M | $101.24M | $102.01M | $102.77M | — | -0.8% |
| Total liabilities | $2.29B | $2.47B | $1.98B | $2.60B | — | -7.3% |
| Retained earnings | $757.45M | $596.85M | $560.69M | $517.46M | — | +26.9% |
| Shareholder equity | $551.03M | $373.25M | $341.30M | $287.90M | — | +47.6% |
| Net tangible assets | $551.03M | $373.25M | $341.30M | $287.90M | — | +47.6% |
| Shares issued | 48.23M | 47.48M | 47.27M | 47.18M | — | +1.6% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $182.95M | $58.93M | $66.82M | -$22.26M | +210.5% |
| Depreciation & amortisation | $6.44M | $6.12M | $7.31M | $7.30M | +5.3% |
| Stock-based compensation | $8.65M | $8.12M | $2.92M | $4.73M | +6.6% |
| Change in working capital | $181.94M | $83.21M | -$22.31M | $350.67M | +118.6% |
| Operating cash flow | $381.49M | $137.36M | $70.97M | $324.51M | +177.7% |
| Capital expenditure | -$4.44M | -$7.37M | -$4.02M | -$4.90M | +39.8% |
| Investing cash flow | -$113.61M | -$228.09M | -$15.25M | -$148.86M | +50.2% |
| Share buybacks | -$22.37M | -$21.91M | -$22.02M | -$11.64M | -2.1% |
| Dividends paid | -$22.18M | -$22.33M | -$23.29M | -$23.78M | +0.7% |
| Financing cash flow | -$52.12M | -$47.13M | -$47.12M | -$37.46M | -10.6% |
| Free cash flow | $377.06M | $129.99M | $66.95M | $319.62M | +190.1% |
| End cash position | $477.84M | $262.08M | $399.94M | $391.34M | +82.3% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|---|
| Total revenue | $427.03M | $393.56M | $407.93M | $400.98M | $400.14M | — | +8.5% |
| Operating revenue | $427.03M | $393.56M | $407.93M | $400.98M | $400.14M | — | +8.5% |
| Selling, general & admin | — | — | — | — | $29.96M | $26.67M | — |
| Net interest income | -$2.00M | -$1.59M | -$1.60M | -$1.60M | -$1.61M | — | -25.1% |
| Pre-tax income | $79.61M | $71.69M | $88.45M | $52.78M | $46.39M | — | +11.1% |
| Tax provision | $20.43M | $17.40M | $21.86M | $12.95M | $11.29M | — | +17.4% |
| Net income | $59.19M | $54.29M | $66.59M | $39.83M | $35.09M | — | +9.0% |
| Net income to common | $59.19M | $54.29M | $66.59M | $39.83M | $35.09M | — | +9.0% |
| Basic EPS | 2.14 | 1.96 | 2.40 | 1.43 | 1.25 | — | +9.2% |
| Diluted EPS | 2.04 | 1.88 | 2.28 | 1.38 | 1.21 | — | +8.5% |
| EBIT | $81.14M | $73.11M | $89.87M | $54.20M | $47.82M | — | +11.0% |
| Basic shares | 27.62M | 27.65M | 27.80M | 27.85M | 27.97M | — | -0.1% |
| Diluted shares | 29.04M | 28.83M | 29.16M | 28.81M | 29.07M | — | +0.7% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $532.16M | $595.77M | $408.87M | $405.11M | $367.11M | -10.7% |
| Cash & short-term investments | $703.84M | $740.55M | $571.79M | $571.50M | $563.41M | -5.0% |
| Accounts receivable | $262.43M | $277.88M | $308.64M | $398.36M | $465.58M | -5.6% |
| Property, plant & equipment | $48.64M | $49.35M | $49.35M | $49.93M | $47.68M | -1.4% |
| Total assets | $3.31B | $2.77B | $2.84B | $3.09B | $3.28B | +19.4% |
| Long-term debt | $97.85M | $100.29M | $100.48M | $100.67M | $100.86M | -2.4% |
| Total debt | $97.85M | $100.29M | $100.48M | $100.67M | $100.86M | -2.4% |
| Total liabilities | $2.67B | $2.18B | $2.29B | $2.59B | $2.82B | +22.2% |
| Retained earnings | $861.64M | $807.08M | $757.45M | $699.45M | $664.32M | +6.8% |
| Shareholder equity | $637.15M | $584.74M | $551.03M | $495.04M | $457.81M | +9.0% |
| Net tangible assets | $637.15M | $584.74M | $551.03M | $495.04M | $457.81M | +9.0% |
| Shares issued | 27.83M | 48.34M | 48.23M | 48.06M | 47.60M | -42.4% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Operating cash flow | $101.08M | $154.82M | $26.08M | $62.42M | $106.22M | -34.7% |
| Capital expenditure | -$902.00K | -$1.58M | -$1.08M | -$1.16M | -$977.00K | +42.9% |
| Investing cash flow | -$86.58M | -$20.12M | -$4.41M | -$8.69M | -$58.96M | -330.4% |
| Share buybacks | -$4.54M | -$7.15M | -$6.87M | -$8.07M | -$7.43M | +36.5% |
| Dividends paid | -$4.41M | -$4.91M | -$8.35M | -$4.46M | -$4.52M | +10.1% |
| Financing cash flow | -$12.11M | -$14.14M | -$18.06M | -$15.25M | -$12.34M | +14.4% |
| Free cash flow | $100.17M | $153.24M | $25.00M | $61.26M | $105.25M | -34.6% |
| End cash position | $600.79M | $598.41M | $477.84M | $474.22M | $435.74M | +0.4% |
Options analytics
Put / call volume
0.41
Call-heavy session
Put / call open interest
0.14
Positioning, not flow
Max pain
45.00
+3.4% from spot
ATM implied vol
6.3%
Nearest strike to spot
Skew (10% OTM)
-12.5%
Calls bid over puts
Call volume
37
Contracts, this expiry
Put volume
15
Contracts, this expiry
Heaviest call OI
45.00
140 contracts
Heaviest put OI
40.00
13 contracts
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 1.43 | 1.84 | +28.7% |
| Mar 2026 | 1.39 | 2.00 | +43.9% |
| Dec 2025 | 1.30 | 2.17 | +67.0% |
| Sep 2025 | -0.58 | 1.36 | +334.5% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 0.03 | 1 | $386.13M | — |
| Next quarter | 1.33 | 1 | $388.85M | -4.7% |
| Current year | 5.20 | 1 | $1.60B | -0.5% |
| Next year | 4.50 | 1 | $1.58B | -1.1% |
Analyst targets & ownership
Mean target$45.00
High target$45.00
Low target$45.00
Implied upside3.42%
Analyst count1
ConsensusNONE
Strong buy / Buy0 / 0
Hold1
Sell / Strong sell0 / 0
Held by insiders11.09%
Held by institutions77.78%
Institutions holding317
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
42.80
+1.66% from price
SMA 20
43.41
+0.23% from price
SMA 50
43.49
+0.04% from price
SMA 100
41.36
+5.19% from price
SMA 200
37.58
+15.79% from price
EMA 12
43.20
+0.71% from price
EMA 26
43.24
+0.63% from price
EMA 50
42.83
+1.58% from price
RSI (14)
52.6
Neutral
MACD (12,26,9)
-0.04
Hist 0.02
ATR (14)
0.95
2.19% of price
Realised vol 30D
17.1%
Annualised
Bollinger upper
45.09
20, 2σ
Bollinger lower
41.74
20, 2σ
50 / 200 cross
Golden
43.49 vs 37.58
Trend bias
Above 200
+15.79%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.01
Less volatile than market
Correlation to SPY
0.00
Largely independent
Realised vol 30D
17.1%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-17.7%
Peak to trough
Max drawdown 5Y
-56.0%
Peak to trough
ATR 14
0.95
2.19% of price
Beta (reported)
0.70
5Y monthly, from filing
Short interest
Shares short
651.62K
Prior 546.05K
Change vs prior
+19.3%
Shorts adding
% of float
2.81%
Normal
% of shares out
2.34%
Against total outstanding
Days to cover
3.7
Liquid
Float
25.32M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Jul 27, 26 | Piper Sandler | MAINTAINED | Neutral | Neutral |
| Jul 15, 26 | Piper Sandler | DOWNGRADE | Overweight | Neutral |
| Dec 22, 25 | Piper Sandler | MAINTAINED | Overweight | Overweight |
| Apr 1, 24 | Piper Sandler | MAINTAINED | Overweight | Overweight |
| Oct 30, 23 | Piper Sandler | MAINTAINED | Overweight | Overweight |
| Oct 6, 23 | Piper Sandler | MAINTAINED | Overweight | Overweight |
| Jul 6, 23 | Piper Sandler | MAINTAINED | Overweight | Overweight |
| May 1, 23 | Piper Sandler | MAINTAINED | — | Overweight |
| Apr 4, 23 | Piper Sandler | MAINTAINED | — | Overweight |
| Feb 27, 23 | Piper Sandler | UPGRADE | Neutral | Overweight |
| Oct 17, 22 | Piper Sandler | MAINTAINED | — | Neutral |
| Sep 24, 20 | Piper Sandler | MAINTAINED | — | Neutral |
Dividends & splits
Forward rate$0.64 / yr
Forward yield1.47%
5-year avg yield3.04%
Payout ratio8.42%
Ex-dividend dateJul 31, 2026
Next pay dateAug 7, 2026
Last split—
Split date—
SEC filings
Offering Registrations
S-4 · 2026-09-09
Periodic Financial Reports
10-Q · 2026-07-30
Corporate Changes & Voting Matters
8-K · 2026-07-23
Corporate Changes & Voting Matters
8-K · 2026-07-08
Annual report of employee stock purchase
11-K · 2026-06-29
Corporate Changes & Voting Matters
8-K · 2026-06-18
Corporate Changes & Voting Matters
8-K · 2026-06-15
Corporate Changes & Voting Matters
8-K · 2026-06-05
Headlines
Why Is Universal Insurance Holdings (UVE) Getting Attention Now?
Simply Wall St. · 10d ago
UVE Near 52-Week High: Time to Buy, Sell or Hold the Stock?
Zacks · 12d ago
The Zacks Analyst Blog Highlights Travelers, Universal Insurance, American Integrity Insurance and United Fire
Zacks · 12d ago
Global Commercial Pricing Soft: 4 P&C Insurers to Protect Portfolio
Zacks · 13d ago
Are Investors Undervaluing Universal Insurance Holdings (UVE) Right Now?
Zacks · 13d ago
United Fire Group, Inc (UFCS) Hit a 52 Week High, Can the Run Continue?
Zacks · 23d ago
Universal Insurance Holdings Insider Sold Shares Worth $879,562, According to a Recent SEC Filing
MT Newswires · 26d ago
Is Universal Insurance Holdings (UVE) Stock Undervalued Right Now?
Zacks · 29d ago
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.