Universal Insurance Holdings writes homeowners coverage in Florida through its Universal Property & Casualty subsidiary and runs a fast-growing agency and reinsurance-sidecar business alongside it, with a footprint concentrated in one of the most hurricane-exposed states in the country. The structural edge is the company's position as a large, established writer in a market where capacity has been scarce and rates have reset upward since 2022, which has let it grow premium while peers retreated. The near-term driver is continued rate adequacy in Florida homeowners plus the earnings leverage that comes with a 40.2% ROE on a business trading at 6.2 times trailing earnings and 10.0 times forward. Revenue growth of 6.7% and a 19.1% operating margin suggest the profit pool is holding up even as catastrophe exposure remains the obvious swing factor, so the valuation gap versus the broader P&C group is the first thing to test before anything else. Worth a deeper look to check reserve adequacy, reinsurance costs for the coming season, and how much of the current multiple reflects a normalised hurricane year.
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| Date | Type | New | Previous | Price |
|---|---|---|---|---|
| 19 Oct 2026, 18:04 CEST | Rating | Undervalued | first publication | $47.12 |
| 15 Oct 2026, 00:00 CEST | Fair value | $86.65 | $87.65 | $47.08 |
| 12 Oct 2026, 00:00 CEST | ACCE price target | $48.00 | first publication | $45.85 |
| 10 Oct 2026, 00:00 CEST | Fair value | $87.65 | $72.35 | $46.97 |
| 29 Sept 2026, 00:00 CEST | Fair value | $72.35 | $73.30 | $42.14 |
| 24 Sept 2026, 00:00 CEST | Fair value | $73.30 | $74.34 | $43.03 |
| 16 Sept 2026, 00:00 CEST | Fair value | $74.34 | $75.25 | $44.70 |
| 13 Sept 2026, 00:00 CEST | Fair value | $75.25 | $76.76 | $44.33 |
| 8 Sept 2026, 00:00 CEST | Fair value | $76.76 | $66.95 | $44.14 |
| 5 Sept 2026, 00:00 CEST | Fair value | $66.95 | $75.84 | $44.77 |
Answered from UNIVERSAL INSURANCE HOLDINGS INC Common Stock fundamentals + recent valuations. Every number shows its source and date.
| Company | Price | Fair value | vs fair value | P/E | ROE | Quality | Score |
|---|---|---|---|---|---|---|---|
| UVE UNIVERSAL INSURANCE HOLDINGS INC Common Stock | $48.84 | $87 | 44% below | 6.4x | 40.2% | 85 | 80 |
| SKWD Skyward Specialty Insurance Group Inc. Common Stock | $60.39 | $57 | 7% above | 14.0x | 17.3% | 68 | 82 |
| SLDE Slide Insurance Holdings Inc. Common Stock | $28.55 | $54 | 48% below | 6.7x | 53.9% | 100 | 88 |
| LMND Lemonade Inc. Common Stock | $44.92 | - | - | - | -27.0% | 39 | 36 |
| PLMR Palomar Holdings Inc. Common stock | $141.78 | $104 | 37% above | 19.1x | 22.2% | 80 | 75 |
| Q.MX Qualitas Controladora | MXN 190.30 | MXN 119 | 60% above | 17.8x | 17.2% | 53 | 56 |
| WTM White Mountains Insurance Group Ltd. Common Stock | $2225.24 | $3640 | 39% below | 5.1x | 20.4% | 91 | 75 |
Where UVE ranks against its sector peers on each metric.