UVE's Quality Score fell 2 points on Mon, Oct 26, to 14. Its daily swings widened out of the quietest 32.5% of the last 100 days (3 chart checks stopped).
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Up 340% over five years while the S&P 500 rose 78%.
3 more reasons why UVE beats the market, from its filings, with the other side, the timeline, and its peers, for Pro members.
| The chart | Stronger than 86% of stocks |
| Latest filing | 8-K, Oct 22 |
2 more reasons behind UVE's 14, for Pro members.
After its last 4 reports it closed +6.5% on average, higher 4 of 4 times.
Above AverageTrending up, 6 of 14 chart checks firingWhat the Quality Score means
UVE is #9 of 37 by Quality Score among Fire, Marine & Casualty Insurance.
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Expected to report Thu Feb 25, after the close (in 121 days). Expected.
What an earnings report is: every 3 months, a company tells everyone how much it sold and earned. We read the figures, the outlook, and how the stock moved after.
Took in $439.3M, 10% more than a year ago; a profit of $1.80 a share.
“The decrease primarily reflects Universal’s new reinsurance program, which incepted on June 1, 2026.”
UVE's results filing gives no sales by line in a table we read.
No outlook figures read from this release.
“The increase is primarily attributable to higher direct premiums earned and a lower ceded premium ratio, as described above.”
From its results filing (SEC filing · Oct 22)
Sales grew 8.4% a year over 5 years, fiscal 2020 to 2025.
Pays $0.64 a share a year.
| Reported | Gap | Reaction | 5 sessions |
|---|---|---|---|
| Oct 22, 2026 | +3.3% | +0.9% | open |
| Jul 23, 2026 | +5.5% | +10.4% | +16.8% |
| Apr 23, 2026 | +6.6% | +12.2% | +12.7% |
Its dividends come to 5% of its free cash flow.
| Dividend | $0.64 a share a year |
| Paid out | About $17.8M a year |
| Free cash flow | $340M |
One insider sold $1.8M across 2 filings in the last 6 months. No open-market buys on record. The newest:
Officers and directors with a Form 4 in the last 12 months.
Universal Insurance Holdings Inc is an insurance holding company. Through its subsidiaries, the company mainly offers property and casualty insurance and value-added insurance services. It develops, markets, and underwrites insurance products for consumers predominantly in the personal residential homeowners lines of business and performs all other insurance-related services for its primary insurance entities, including risk management, claims management, and distribution. The group offers the following types of personal residential insurance: homeowners, renters/tenants, condo unit owners, and dwelling/fire, through an independent agent network and online distribution channels across multiple states in the United States of America.
“The market for homeowners insurance typically is highly competitive.”
UVE scores 14 today, which Breakaway calls Above Average. It is #9 of 37 in Fire, Marine & Casualty Insurance by Quality Score, with 6 of 14 chart checks firing. Up 340% over five years while the S&P 500 rose 78%. Breakaway does not say whether to buy any stock: the score does not know your situation, and it is not a recommendation to buy or sell anything. Please do your own research.
UVE scores 14 today, which Breakaway calls Above Average (11 to 14). That is #9 of 37 in Fire, Marine & Casualty Insurance by Quality Score. The score adds up the chart checks, the trend, the company's filed sales, its profits, the news, insider trades, and Congress trades. The section above lists the lines behind UVE's 14.
One insider sold $1.8M across 2 filings in the last 6 months. No open-market buys on record. The newest is Sean P. Downes, Executive Chairman, who sold $880K on Sep 11. Every filing, with the scored weight, for Pro members.
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