NYSE · Financial · Insurance - Property & Casualty · USA
Universal Insurance Holdings Inc is a small cap company (market value between $300 million and $2 billion) in the Insurance - Property & Casualty industry.
Universal Insurance Holdings is a holding company providing property and casualty insurance and related services through wholly-owned subsidiaries. It develops, markets, and underwrites personal residential homeowners insurance and allied products for consumers primarily in Florida across multiple states. The company distributes policies through an independent agent network and digital platforms, while also offering risk management and claims administration services.
From its FY2025 annual report (Form 10-K)
Intrinsic value, DCF valuation, financial health and value investing analysis for the Universal Insurance Holdings Inc stock.
Undervalued: intrinsic value $81.74 per share, market price $46.92, margin of safety 42.6% (as of 2026-10-19).
Book value at 2.50x, the multiple a 40.2% return on equity justifies, blended with earnings, values the shares at $81.74; the price of $46.92 is 43% below that value.
Leak Score: 93/100 on 11 of 12 signals (Major Leak).
17 more funds hold it; the full list is part of the paid plan.
All 45 Insurance - Property & Casualty stocks
UVE is undervalued (as of the 2026-10-19 close). Book value at 2.50x, the multiple a 40.2% return on equity justifies, blended with earnings, values the shares at $81.74; the price of $46.92 is 43% below that value.
$81.74 per share (as of the 2026-10-19 close), against a market price of $46.92. That is a margin of safety of 42.6%. The value is the average of the valuation methods that apply to this company, recomputed every night after the US close.
93 out of 100, which we rate "Major Leak", on 11 of 12 value investing signals.