Universal Insurance (UVE)
Writes homeowners-focused property insurance through agents and digital channels.
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Develops, underwrites, and services personal residential property insurance, mainly homeowners coverage, through UPCIC and American Platinum. The business runs as one integrated segment, sells across a multi-state footprint, and remains concentrated in Florida.
Develops, markets, and underwrites personal residential property-and-casualty insurance, centered on homeowners coverage. Through Universal Property & Casualty and American Platinum, the group also writes renters, condo, dwelling/fire, liability, personal property, and personal articles coverages.
Sells across a multi-state footprint through independent agents, direct online channels, and Clovered, with Florida still the core market. The operating model is vertically integrated, with in-house underwriting, distribution support, claims management, and reinsurance placement functions.
Execution depends on catastrophe modeling, claims discipline, reinsurance availability, and Florida insurance regulation. Citizens Property Insurance Corporation also shapes competition when its rates lag admitted-market pricing.
Company facts
Target rangeAs of Sep 21, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Jul 27, 2026 | Piper Sandler | Reiterate | Rating: —Target: $44 | Target: $45 |
| Jul 15, 2026 | Piper Sandler | Downgrade | Target: $40 | Target: $44 |
| Dec 22, 2025 | Piper Sandler | Reiterate | Rating: —Target: — | Target: $40 |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $703.8M · Total debt $97.9M · Total assets $3.31B · Shareholders' equity $637.2M
- Revenue
- $425.0M
- Operating income
- $79.6M
- Net income
- $59.2M
HistoryDividendAnnual yield
| Institutions | 78.56% | 21.86M shares | |
|---|---|---|---|
| 226 holders · as of Jun 30, 2026 | |||
| Insiders | 13.76% | 3.83M shares | |
| 14 holders · as of Sep 11, 2026 | |||
| Other | 7.68% | 2.14M shares | |
| remainder | |||
27.83M company shares as of Sep 22, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
BlackRock, Inc.Institution | 9.64% | 2.68M | as of Jun 30, 2026 |
Sean P. Downes1,2Insiderdirector, officer: Executive Chairman | 5.96% | 1.89M | filed Sep 11, 2026 |
Stephen Donaghy3Insiderdirector, officer: CEO | 5.37% | 1.50M | filed Mar 31, 2026 |
Dimensional Fund Advisors LPInstitution | 4.65% | 1.29M | as of Jun 30, 2026 |
Vanguard Capital Management LLCInstitution | 3.99% | 1.11M | as of Jun 30, 2026 |
- Sean P. Downes's transaction reports restate only vehicles that traded; the 2025 ownership statement (1.89M) less the 228.9K net shares sold since is used instead.
- Sean P. Downes reports a block also reported by Vanguard Capital Management LLC; it is counted once, under Vanguard Capital Management LLC.
- Stephen Donaghy's transaction reports restate only vehicles that traded; the 2025 ownership statement (1.50M) less the 5.5K net shares sold since is used instead.
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Sep 11, 2026 | Sean P. Downes | director, officer: Executive Chairman | −20,000 | $43.98 |
| Aug 5, 2026 | Sean P. Downes | director, officer: Executive Chairman | −20,000 | $44.27 |
| Jun 11, 2026 | Sean P. Downes | director, officer: Executive Chairman | −20,000 | $38.22 |
| May 15, 2026 | Sean P. Downes | director, officer: Executive Chairman | −20,000 | $38.73 |
| May 13, 2026 | Michael Pietrangelo | director | −4,500 | $39.29 |
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Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Universal Insurance | $43.49 | −0.30% | $1.21B | 5.7 | 9.4 | 0.7 | +55.3% |
| HCI Group | $184.28 | +0.05% | $2.35B | 7.6 | 9.0 | 2.5 | +11.2% |
| Heritage Insurance | $34.24 | +0.26% | $1.03B | 4.9 | 6.8 | 1.3 | +3.0% |
| Allstate | $229.72 | −5.41% | $62.52B | 4.8 | 8.2 | 0.9 | −7.2% |
| Progressive | $206.63 | −2.64% | $123.40B | 10.6 | 12.5 | 1.4 | +5.0% |
| Travelers | $363.03 | −2.18% | $77.41B | 9.9 | 12.1 | 1.6 | −4.8% |
| Chubb | $336.19 | −0.32% | $130.11B | 11.9 | 12.0 | 2.1 | −1.3% |
| Hippo | $31.50 | −0.11% | $832.1M | 6.8 | 24.3 | 1.6 | +23.4% |
| Median | 7.6 | 12.0 | 1.6 | +3.0% |