UVE — Universal Insurance Holdings Inc

Stock analysis, trade plans, and proprietary indicators by Trend Edge.

About Universal Insurance Holdings Inc

Universal Insurance Holdings, Inc., together with its subsidiaries, operates as an integrated insurance holding company in the United States. The company offers insurance products for personal residential insurance, such as homeowners, renters and tenants, condo unit owners, and dwelling and fire; and allied lines, coverage for other structures, and personal property, liability, and personal articles coverages. Read full Trend Edge analysis →

Trend Edge Proprietary Indicators

Key Metrics

Current Price$37.57
Market Cap$1.11B
Float25.3M
Shares Outstanding27.9M
P/E (Forward)9.98
P/E (TTM)5.91
Price/Sales (TTM)0.70
vs. Analyst Target+17.1% to analyst PT
Profit Margin12.22%
Operating Margin (TTM)18.62%
Revenue (TTM)$1.60B
Earnings Growth (YoY)30.60%
Dividend Rate0.6%
Analyst Target Price$44.00 (1 analysts)

Financial History

Annual Revenue & Earnings History

YearRevenueNet IncomeGross ProfitEBITDA
2020 $1.07B $19.1M $115M $29.4M
2021 $1.12B $20.4M $116M $35.9M
2022 $1.22B -$22.3M $70.0M -$14.0M
2023 $1.39B $66.8M $191M $101M
2024 $1.52B $58.9M $200M $96.5M
2025 $1.60B $183M $610M $257M

Recent Quarterly Revenue & Net Income

QuarterRevenueNet Income
Jun 2025 $400M $35.1M
Sep 2025 $401M $39.8M
Dec 2025 $406M $66.6M
Mar 2026 $392M $54.3M

Ownership & Float

Insider Ownership11.2%
Institutional Ownership75.7%
Short Float2.2%
% of All Funds Holding2.41%
Number of Funds Holding198

Current Moving Averages

Trend Edge tracks near-term, medium-term, cyclical, and secular moving averages across weekly and monthly timeframes to identify trend structure at every horizon.

TimeframeSMAValueTrend Context
Weekly10-Week SMA$37.09Near-term / short-term trend
Weekly40-Week SMA$32.37Medium-term trend
Weekly80-Week SMA$27.68Cyclical trend (business cycle)
Weekly200-Week SMA$20.68Secular trend (multi-year)
Monthly10-Month SMA$32.54Near-term monthly trend
Monthly20-Month SMA$27.85Medium-term monthly trend
Monthly40-Month SMA$22.73Secular monthly trend

Volume Shelves — Support & Resistance

Trend Edge identifies volume shelves: price zones where historically elevated trading volume creates structural support or resistance. A volume shelf forms when a disproportionate share of cumulative volume was transacted at a specific price level, making it a high-conviction anchor for future price reactions.

Price LevelTypeVolume RatioAge
$33.90 support 1.09x 0 months ago
$26.30 support 1.13x 6 months ago

Historical Earnings Reactions (90 events)

TimeframeAvg ReturnMedianWin RateBestWorst
Gap 1.26% 0.78% 63.33% 12.68% -16.50%
1 Day 0.09% 0.00% 48.89% 22.40% -28.46%
1 Week 2.33% 1.81% 60.00% 54.96% -26.21%
2 Weeks 3.31% 3.30% 61.11% 51.52% -32.36%
1 Month 6.21% 3.83% 57.30% 350.00% -40.98%

Next earnings: July 12, 2026 (43 days away)

Seasonality & Day-of-Week Patterns

Monthly Seasonality

MonthAvg ReturnWin RateSamples
Jan3.9%56.5%23
Feb8.0%69.6%23
Mar-3.1%34.8%23
Apr0.5%43.5%23
May7.8%54.5%22
Jun-0.9%40.9%22
Jul14.6%43.5%23
Aug1.8%65.2%23
Sep5.3%56.5%23
Oct2.1%60.9%23
Nov54.1%73.9%23
Dec0.6%52.2%23

Day-of-Week Tendencies

DayAvg ReturnWin RateSamples
Monday 0.30% 46.7% 1083
Tuesday 0.65% 45.7% 1188
Wednesday 0.19% 44.5% 1187
Thursday 0.30% 43.8% 1162
Friday 0.04% 43.5% 1158

Top Institutional Holders

Institutional holder breakdown coming soon.

Total institutional ownership: 75.7%

Insider Transactions — Smart Summary

Total insider ownership: 11.2%

12-Month Insider Activity Summary

Total Filings19
Net Value-$8.4M
Net Shares Change-363,687
% of Float-1.4%
C-Suite Filings13
Clusters Detected2

Key Insiders

NameTitleNet ValueFilingsActivity
DOWNES SEAN P Executive Chairman -$2.9M 4 4 sell
Donaghy Stephen CEO -$1.7M 1 1 sell
PIETRANGELO MICHAEL -$295,433.25 1 1 sell
Campos Kimberly D CIO and CAO -$132,783.48 3 3 sell
PETERSON RICHARD D -$68,207 1 1 sell

Transaction Clusters

PeriodFilingsInsidersNet ValueSeniority
2025-12-19 – 2025-12-31 3 3 -$2.4M 2 C-suite
2026-03-27 – 2026-03-31 4 3 -$832,571.23 3 C-suite

Significant Filings

DateInsiderTitleNet ValuePrice After
2026-03-04 Campos Kimberly D CIO and CAO -$60,491.25 Transaction at $35.38, now +6.2%
2026-05-15 DOWNES SEAN P Executive Chairman -$774,604 Transaction at $38.73, now -3.0%
2026-04-30 DOWNES SEAN P Executive Chairman -$793,766 Transaction at $39.69, now -5.3%
2026-05-14 PIETRANGELO MICHAEL -$295,433.25 Transaction at $39.39, now -4.6%
2026-03-31 Campos Kimberly D CIO and CAO -$42,546.87 Transaction at $33.89, now +10.8%
2026-03-27 DOWNES SEAN P Executive Chairman -$692,072 Transaction at $34.60, now +8.6%

View full insider transaction history on Trend Edge →

AI Consult Analysis

Trend Edge's AI Consult feature delivers a comprehensive, multi-layer trade plan for Universal Insurance Holdings Inc (UVE) powered by Claude Opus — Anthropic's most capable AI model. The analysis covers five layers: technical analysis (near-term, medium-term, cyclical, and secular trend, momentum, volume shelf support and resistance, breakout and breakdown signals), qualitative analysis (business model, competitive moat, sector dynamics), insider sentiment (buy and sell signals from executive and director transactions), share stats analysis (institutional accumulation, fund positioning, short float squeeze potential), and fundamental analysis (valuation, revenue growth, profit margin, earnings quality).

AI Consult synthesizes all five layers into a single bullish or bearish thesis with explicit entry, exit, stop loss, and take profit levels — giving you a complete, AI-powered trade plan with defined risk/reward. Whether you are building a long position, initiating a short, or looking for a reversal setup, AI Consult identifies the highest-probability signal from the current trend.

Get the full AI Consult analysis for UVE on Trend Edge →