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Upturn AI SWOT - About
Universal Insurance Holdings Inc (UVE)
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Upturn Advisory Summary
03/27/2025: UVE (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit 13.37% | Avg. Invested days 39 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 03/27/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 641.99M USD | Price to earnings Ratio 11.37 | 1Y Target Price 27 |
Price to earnings Ratio 11.37 | 1Y Target Price 27 | ||
Volume (30-day avg) 190684 | Beta 0.85 | 52 Weeks Range 16.26 - 23.05 | Updated Date 03/27/2025 |
52 Weeks Range 16.26 - 23.05 | Updated Date 03/27/2025 | ||
Dividends yield (FY) 2.80% | Basic EPS (TTM) 2.01 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 3.88% | Operating Margin (TTM) 2.33% |
Management Effectiveness
Return on Assets (TTM) 2.21% | Return on Equity (TTM) 16.49% |
Valuation
Trailing PE 11.37 | Forward PE - | Enterprise Value 480139121 | Price to Sales(TTM) 0.42 |
Enterprise Value 480139121 | Price to Sales(TTM) 0.42 | ||
Enterprise Value to Revenue 0.32 | Enterprise Value to EBITDA - | Shares Outstanding 28095800 | Shares Floating 25462121 |
Shares Outstanding 28095800 | Shares Floating 25462121 | ||
Percent Insiders 9.26 | Percent Institutions 70.11 |
Analyst Ratings
Rating 4 | Target Price 27 | Buy 1 | Strong Buy - |
Buy 1 | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Universal Insurance Holdings Inc
Company Overview
History and Background
Universal Insurance Holdings, Inc. was founded in 1994. Initially focused on personal lines insurance in Florida, it has expanded its product offerings and geographic footprint over the years. The company has navigated numerous hurricanes and market cycles to become a significant player in the property insurance market.
Core Business Areas
- Personal Lines Insurance: Primarily focusing on homeowners insurance, dwelling fire, and flood coverage. They offer policies tailored to individual homeowners and renters.
- Commercial Lines Insurance: Provides commercial residential and commercial general liability insurance to businesses.
- Agency Services: Operates agency distribution system across multiple states.
Leadership and Structure
Sean P. Downes serves as the Chairman and Chief Executive Officer. The organizational structure includes departments for underwriting, claims, finance, and marketing, operating under the direction of senior leadership.
Top Products and Market Share
Key Offerings
- Homeowners Insurance: Universal's primary product is homeowners insurance, particularly in Florida. Market share fluctuates due to competition and state regulations. Competitors include Citizens Property Insurance Corporation, State Farm, and Tower Hill Insurance Group. Limited specific revenue for Homeowners Insurance alone is not publicly disaggregated from Personal Lines.
- Dwelling Fire Insurance: Provides coverage for properties that are not owner-occupied. This segment competes with smaller regional insurers. Market Share/Revenue is not publicly disaggregated.
- Commercial Residential Insurance: Coverage for commercial properties that house residential tenants (e.g., apartments). Competitors include nationwide carriers like Liberty Mutual and Travelers. Market Share/Revenue is not publicly disaggregated.
Market Dynamics
Industry Overview
The property insurance industry is highly competitive and heavily influenced by weather patterns, regulations, and economic conditions. Florida's insurance market is particularly challenging due to frequent hurricanes and litigation.
Positioning
Universal Insurance Holdings is a regional player with a significant presence in Florida. The company focuses on managing risk and providing efficient claims services in the catastrophe-prone area.
Total Addressable Market (TAM)
The total addressable market for property and casualty insurance in the U.S. is estimated to be hundreds of billions of dollars annually. Universal targets specific segments within this larger market, with a smaller portion of that TAM represented by Florida and other states where they operate. Actual numbers are not publicly disaggregated.
Upturn SWOT Analysis
Strengths
- Established presence in Florida
- Experienced management team
- Focus on risk management
Weaknesses
- Geographic concentration in a high-risk area
- Exposure to catastrophic events
- Dependence on reinsurance
Opportunities
- Geographic expansion to less risky markets
- Product diversification
- Technological innovation in underwriting and claims
Threats
- Increased frequency and severity of natural disasters
- Changes in regulatory environment
- Increased competition
- Rising reinsurance costs
Competitors and Market Share
Key Competitors
- TRV
- ALL
- HIG
- WRB
- FFHL
- VRNS
Competitive Landscape
Universal's advantages include its regional expertise and focus on Florida. However, larger national players have greater financial resources and diversification.
Major Acquisitions
American Capital Assurance Corp.
- Year: 2011
- Acquisition Price (USD millions): 46
- Strategic Rationale: Expand underwriting capabilities and access to agency distribution network.
Growth Trajectory and Initiatives
Historical Growth: Historical data needs to be added based on real time API queries
Future Projections: Based on analyst estimates, revenue data needs to be added based on real time API queries
Recent Initiatives: Universal is investing in technology to improve underwriting and claims processes, expanding into new states, and diversifying its product offerings.
Summary
Universal Insurance Holdings is a regional player in a volatile market. It exhibits expertise in Florida, but its concentration creates risk. Technology investments and expansion are promising initiatives, while reinsurance costs and competition remain key concerns. Overall, UVE is a hold at best given the risks in the Florida insurance market.
Similar Companies
- TRV
- ALL
- HIG
- WRB
- FFHL
- VRNS
Sources and Disclaimers
Data Sources:
- Company SEC filings
- Analyst reports
- Industry publications
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market share and financial data may vary depending on the source and methodology.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Universal Insurance Holdings Inc
Exchange NYSE | Headquaters Fort Lauderdale, FL, United States | ||
IPO Launch date 1992-12-14 | CEO & Director Mr. Stephen Joseph Donaghy | ||
Sector Financial Services | Industry Insurance - Property & Casualty | Full time employees 1068 | |
Full time employees 1068 | |||
Universal Insurance Holdings, Inc., together with its subsidiaries, operates as an integrated insurance holding company in the United States. It 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. The company also advises on actuarial issues, oversees distribution, administers claims payments, performs policy administration and underwriting, and assists with reinsurance negotiations; evaluates insurance risk and exposures on an individual and portfolio basis and assists the insurance entities with pricing risks; places and manages its reinsurance programs; and operates its digital insurance agency, Clovered.com. It offers its products through its independent agency network, direct-to-consumer online distribution, and digital insurance agency platform. The company was formerly known as Universal Heights, Inc. and changed its name to Universal Insurance Holdings, Inc. in January 2001. Universal Insurance Holdings, Inc. was incorporated in 1990 and is headquartered in Fort Lauderdale, Florida.
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