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UNIVERSAL INSURANCE HOLDINGS INC

UVE Finance Property-Casualty Insurers
$49.26
▲ +3.2% Today
as of Oct 23, 10:37 ET
Last 30 days +8.90% Sep 14 → Oct 23
$41.56 $43.47 $45.39 $47.30 $49.21 Sep 14 Sep 22 Sep 30 Oct 07 Oct 15 Oct 23
Open
$48.10
High
$48.72
Low
$47.95
Volume
$208,284
Avg Vol
$197,673
Mkt Cap
$1.3B
P/E (TTM)
12.02
Beta
—
52w High
$48.72
52w Low
$28.00
Div Yield
—
Shares Out
$28M

Recent Press Releases & News last 60 days · 17 items

Oct 22 · 21:00 Zacks
Universal Insurance Holdings (UVE) Surpasses Q3 Earnings and Revenue Estimates
Oct 22 · 20:50 MT Newswires
Universal Insurance Q3 Adjusted Earnings, Revenue Rise
Oct 22 · 20:26 Associated Press
Universal Insurance: Q3 Earnings Snapshot
▸ Show all 17 press releases & news Free account →

UVE earnings at a glance

The options market is pricing a move of about ±7.3% after the report, a range of roughly $45.64 to $52.88 from today's $49.26. Over its last 6 reports the stock rose the next day 5 times and fell 1, moving ±7.6% on average; after the most recent report on Jul 23, 2026 it moved +10.4%. That means options currently expect about the same movement than UVE has typically delivered. UVE beat the consensus EPS estimate in 6 of its last 6 reported quarters. Implied volatility is currently 62%. The share price of $49.26 sits near its 52-week high.

More Finance stocks · All stocks · Earnings calendar

Overview

52-week range
$28
$49
100% of range
Avg surprise (last 6)
+34.1%
Avg reaction (last 6)
+5.1%
83% positive
Latest IV / EM
62%
EM ±7.3% · $45 · Oct 16

Earnings trends

EPS — actual vs estimate Actual Estimate
$1.09$1.36$1.63$1.90$2.17 Actual $1.44Est $1.12Actual $1.23Est $1.09Actual $1.36Est $1.10Actual $2.17Est $1.30Actual $2.00Est $1.39Actual $1.84Est $1.43 Mar/2025Jun/2025Sep/20258K8KJun/2026
Revenue vs Net Income Revenue Net income
$0$112M$224M$336M$448M Mar 25Jun 25Mar 26Jun 26

Earnings history

DatePeriodActual EPSEstSurpriseYoY %ΔDay reactSource
Thu Jul 23, 2026Jun/2026 $1.84 $1.43 +28.7% +16.3% +10.4% earnings
Thu Apr 23, 20268K 2026-04-23 $2.00 $1.39 +43.9% — +12.2% earnings
Tue Feb 24, 20268K 2026-02-24 $2.17 $1.30 +66.9% — +2.5% earnings
Thu Oct 23, 2025Sep/2025 $1.36 $1.10 +23.6% — +11.9% earnings
Thu Jul 24, 2025Jun/2025 $1.23 $1.09 +12.8% — -7.4% earnings
Thu Apr 24, 2025Mar/2025 $1.44 $1.12 +28.6% — +1.0% earnings

Financials

Income statement (quarterly)

MetricJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Revenue$427M$394M——$400M$395M——
Cost of revenue————————
Gross profit————————
Operating income————————
Net income$59M$54M——$35M$41M——
EPS (diluted)$2.04$1.88——$1.21$1.44——

Balance sheet (quarterly)

MetricJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Cash & equivalents$532M$596M$409M$405M$367M$398M$259M$334M
Inventory————————
Total current assets————————
Total assets$3.31B$2.77B$2.84B$3.09B$3.28B$2.71B$2.84B$2.65B
Long-term debt$98M$100M$100M$101M$101M$101M$101M$101M
Total liabilities$2.67B$2.18B$2.29B$2.59B$2.82B$2.29B$2.47B$2.25B
Total equity$637M$585M$551M$495M$458M$422M$373M$400M

Implied volatility — last 90 days

23%95%166%238%310% Jun 07 — IV 86% · EM ±11.9%Jun 08 — IV 93% · EM ±12.3%Jun 09 — IV 92% · EM ±11.6%Jun 10 — IV 106% · EM ±12.6%Jun 11 — IV 114% · EM ±12.6%Jun 12 — IV 118% · EM ±12.1%Jun 15 — IV 116% · EM ±8.4%Jun 16 — IV 195% · EM ±11.5%Jun 17 — IV 310% · EM ±13.0%Jun 19 — IV 65% · EM ±14.3%Jun 22 — IV 38% · EM ±7.9%Jun 23 — IV 31% · EM ±6.3%Jun 24 — IV 35% · EM ±6.9%Jun 25 — IV 28% · EM ±5.6%Jun 26 — IV 58% · EM ±11.1%Jun 29 — IV 57% · EM ±10.2%Jun 30 — IV 61% · EM ±10.5%Jul 01 — IV 95% · EM ±15.9%Jul 02 — IV 40% · EM ±6.5%Jul 03 — IV 41% · EM ±6.5%Jul 06 — IV 48% · EM ±6.7%Jul 07 — IV 94% · EM ±12.4%Jul 08 — IV 87% · EM ±10.9%Jul 09 — IV 102% · EM ±12.1%Jul 10 — IV 106% · EM ±11.7%Jul 13 — IV 127% · EM ±10.6%Jul 14 — IV 147% · EM ±10.6%Jul 15 — IV 244% · EM ±14.4%Jul 16 — IV 263% · EM ±11.0%Jul 20 — IV 44% · EM ±10.3%Jul 21 — IV 40% · EM ±9.4%Jul 22 — IV 53% · EM ±12.0%Jul 23 — IV 60% · EM ±13.6%Jul 24 — IV 41% · EM ±9.1%Jul 27 — IV 47% · EM ±9.7%Jul 28 — IV 36% · EM ±7.4%Jul 29 — IV 44% · EM ±8.7%Jul 30 — IV 41% · EM ±8.1%Jul 31 — IV 44% · EM ±8.4%Aug 03 — IV 36% · EM ±6.4%Aug 04 — IV 39% · EM ±6.8%Aug 05 — IV 37% · EM ±6.2%Aug 06 — IV 38% · EM ±6.2%Aug 07 — IV 31% · EM ±4.8%Aug 10 — IV 33% · EM ±4.6%Aug 11 — IV 52% · EM ±6.9%Aug 12 — IV 61% · EM ±7.7%Aug 13 — IV 121% · EM ±14.3%Aug 14 — IV 94% · EM ±10.4%Aug 17 — IV 97% · EM ±8.1%Aug 18 — IV 151% · EM ±11.0%Aug 19 — IV 225% · EM ±13.3%Aug 20 — IV 255% · EM ±10.6%Aug 24 — IV 33% · EM ±6.9%Aug 25 — IV 35% · EM ±7.2%Aug 26 — IV 50% · EM ±9.9%Aug 27 — IV 36% · EM ±7.1%Aug 28 — IV 52% · EM ±10.0%Aug 31 — IV 42% · EM ±7.5%Sep 01 — IV 60% · EM ±10.4%Sep 02 — IV 35% · EM ±5.9%Sep 03 — IV 24% · EM ±3.9%Sep 04 — IV 25% · EM ±3.9%Sep 07 — IV 28% · EM ±3.9%Sep 08 — IV 33% · EM ±4.3%Sep 09 — IV 40% · EM ±5.0%Sep 10 — IV 37% · EM ±4.4%Sep 11 — IV 42% · EM ±4.7%Sep 14 — IV 38% · EM ±3.1%Sep 15 — IV 41% · EM ±2.9%Sep 16 — IV 72% · EM ±4.2%Sep 17 — IV 159% · EM ±6.6%Sep 21 — IV 30% · EM ±6.4%Sep 22 — IV 36% · EM ±7.4%Sep 23 — IV 43% · EM ±8.6%Sep 24 — IV 41% · EM ±8.1%Sep 25 — IV 41% · EM ±7.9%Sep 28 — IV 40% · EM ±7.1%Sep 29 — IV 80% · EM ±13.8%Sep 30 — IV 50% · EM ±8.3%Oct 01 — IV 48% · EM ±7.8%Oct 02 — IV 38% · EM ±6.0%Oct 06 — IV 34% · EM ±4.5%Oct 07 — IV 38% · EM ±4.8%Oct 08 — IV 62% · EM ±7.3%

Sector peers

PRA
ProAssurance Corporation
$1.2B $25.000.0%
BOW
Bowhead Specialty Holdings Inc.
$1.1B $34.06-0.1%
UFCS
United Fire Group, Inc
$1.4B $57.16-0.3%
IGIC
International General Insurance Holdings Ltd.
$1.1B $24.66-0.9%
XZO
Exzeo Group, Inc.
$1.5B $17.02+3.3%
HRTG
Heritage Insurance Holdings, Inc.
$1.0B $37.15+0.2%

UVE earnings FAQ

What is UVE's expected move for earnings?

Options currently price a move of about ±7.3%, or $3.62 per share either way from $49.26.

How does UVE stock usually react to earnings?

Across the last 6 reports the average next-day move was ±7.6%, up 5 times and down 1 times.

What is UVE's implied volatility?

UVE's at-the-money implied volatility is about 62% based on the latest options snapshot.

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