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About the company
Universal Insurance Holdings, Inc. is a holding company providing property and casualty insurance and value-added insurance services. The Company's primary insurance entities, Universal Property & Casualty Insurance Company (UPCIC) and American Platinum Property and Casualty Insurance Company (APPCIC and together with UPCIC, the Insurance Entities), offer insurance products through both its appointed independent agent network and its online distribution channels across its multi-state footprint (primarily in Florida). It develops, markets and writes insurance products for consumers predominantly in the personal residential homeowners lines of business and perform substantially all other insurance-related services for its primary insurance entities, including risk management, claims management and distribution. Its subsidiary, Evolution Risk Advisors, Inc., is the managing general agent for the Insurance Entities. ERA advises on actuarial issues, and oversees distribution, among others.
- Revenue in USD (TTM)1.58bn
- Net income in USD122.37m
- Incorporated1990
- Employees1.07k
- LocationUniversal Insurance Holdings IncSuite 100, 1110 W. Commercial Blvd.FORT LAUDERDALE 33309United StatesUSA
- Phone+1 (954) 958-1200
- Fax+1 (302) 636-5454
- Websitehttps://universalinsuranceholdings.com/
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| American Coastal Insurance Corp | 335.44m | 106.80m | 562.75m | 65.00 | 5.38 | 1.77 | 6.60 | 1.68 | 2.15 | 2.15 | 6.74 | 6.51 | 0.2931 | -- | -- | -- | 9.33 | 2.46 | -- | -- | -- | -- | 31.84 | 17.82 | -- | 23.24 | 0.3199 | -- | 13.07 | -16.90 | 39.93 | -- | -- | -- |
| Amerisafe Inc | 305.98m | 49.92m | 631.88m | 362.00 | 12.88 | 2.32 | 12.45 | 2.07 | 2.61 | 2.61 | 16.00 | 14.47 | 0.2529 | -- | -- | 845,245.90 | 4.13 | 4.86 | -- | -- | -- | -- | 16.31 | 21.04 | -- | -- | 0.00 | 143.77 | -1.99 | -3.91 | -10.74 | -9.77 | -3.77 | 8.16 |
| Donegal Group Inc | 978.38m | 79.34m | 642.61m | 833.00 | 8.19 | 1.01 | 9.92 | 0.6568 | 2.16 | 2.16 | 26.57 | 17.48 | 0.4143 | -- | -- | -- | 3.36 | 1.39 | -- | -- | -- | -- | 8.11 | 3.46 | -- | 186.44 | 0.0518 | 74.66 | -1.17 | 4.69 | 55.99 | 8.48 | -- | 4.17 |
| Hippo Holdings Inc | 450.10m | 95.90m | 718.51m | 478.00 | 7.69 | 1.70 | 5.75 | 1.60 | 3.69 | 3.69 | 17.67 | 16.64 | 0.2633 | -- | -- | 941,631.80 | 6.05 | -17.15 | -- | -- | -- | -- | 22.99 | -133.53 | -- | 20.43 | 0.102 | -- | 77.44 | 60.72 | 85.17 | -- | 3.10 | -- |
| Root Inc | 1.52bn | 38.10m | 771.04m | 1.26k | 22.66 | 2.70 | 14.52 | 0.5082 | 2.19 | 2.19 | 90.84 | 25.57 | 0.9571 | -- | -- | 1,207,882.00 | 2.61 | -12.43 | -- | -- | -- | -- | 2.72 | -23.50 | -- | 2.95 | 0.332 | -- | 28.95 | 34.33 | 31.16 | -- | -2.62 | -- |
| Employers Holdings Inc | 858.70m | 10.80m | 812.01m | 715.00 | 127.74 | 0.8872 | 18.21 | 0.9456 | 0.3263 | 0.3263 | 36.57 | 46.98 | 0.2461 | -- | -- | -- | 0.3096 | 2.27 | -- | -- | -- | -- | 1.26 | 10.36 | -- | 27.20 | 0.0353 | 33.40 | -2.50 | 3.84 | -90.89 | -38.20 | -- | 4.73 |
| Bowhead Specialty Holdings Inc | 551.59m | 53.79m | 838.27m | 296.00 | 16.03 | 1.87 | 15.09 | 1.52 | 1.60 | 1.60 | 16.35 | 13.70 | 0.274 | -- | -- | 1,863,476.00 | 2.67 | -- | -- | -- | -- | -- | 9.75 | -- | -- | 23.31 | 0.2458 | -- | 29.58 | -- | 40.64 | -- | -- | -- |
| Heritage Insurance Holdings Inc | 842.28m | 149.21m | 891.18m | 566.00 | 5.98 | 2.04 | 5.44 | 1.06 | 4.82 | 4.82 | 27.26 | 14.15 | 0.3553 | -- | -- | -- | 6.29 | -1.05 | -- | -- | -- | -- | 17.72 | -3.28 | -- | 23.95 | 0.1793 | -- | 11.08 | 9.83 | 35.83 | 16.53 | 10.55 | -- |
| United Fire Group Inc | 1.39bn | 118.19m | 1.00bn | 846.00 | 8.77 | 1.07 | 7.77 | 0.7231 | 4.48 | 4.48 | 52.58 | 36.88 | 0.3783 | -- | -- | 1,638,785.00 | 3.23 | 1.54 | -- | -- | -- | -- | 8.52 | 4.26 | -- | 42.12 | 0.1345 | 32.35 | 10.62 | 5.34 | 90.76 | -- | -19.32 | -10.90 |
| Universal Insurance Holdings Inc | 1.58bn | 122.37m | 1.02bn | 1.07k | 8.58 | 2.06 | 8.30 | 0.644 | 4.24 | 4.24 | 54.60 | 17.65 | 0.5508 | -- | -- | 1,480,148.00 | 4.26 | 1.27 | -- | -- | -- | -- | 7.74 | 2.26 | -- | 64.92 | 0.1781 | 83.36 | 9.27 | 10.11 | -11.82 | 4.85 | -3.64 | 0.00 |
| International General Insuranc Hldgs Ltd | 513.80m | 126.40m | 1.06bn | 473.00 | 8.82 | 1.50 | -- | 2.07 | 2.87 | 2.87 | 11.66 | 16.92 | 0.2483 | -- | -- | -- | 6.15 | 6.01 | -- | -- | -- | -- | 24.76 | 22.46 | -- | -- | -- | 6.76 | -4.45 | 11.56 | -5.19 | 37.73 | -- | -5.11 |
| Ategrity Specialty Insurance Cmpny Hldgs | -100.00bn | -100.00bn | 1.09bn | 169.00 | -- | 1.78 | -- | -- | -- | -- | -- | 12.78 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 19.44 | -- | 57.15 | -- | -- | -- |
| Safety Insurance Group Inc | 1.22bn | 86.87m | 1.13bn | 551.00 | 13.10 | 1.28 | 11.86 | 0.9268 | 5.88 | 5.88 | 82.47 | 60.40 | 0.5156 | -- | -- | 2,208,775.00 | 3.70 | 3.90 | -- | -- | -- | -- | 7.17 | 8.95 | -- | -- | 0.0323 | 66.03 | 19.89 | 5.18 | 274.75 | -6.60 | -14.57 | 1.15 |
| ProAssurance Corp | 1.09bn | 50.92m | 1.26bn | 972.00 | 24.96 | 0.9348 | 19.52 | 1.15 | 0.9827 | 0.9827 | 21.21 | 26.24 | 0.1986 | -- | -- | 1,125,970.00 | 0.9239 | 0.7417 | -- | -- | -- | -- | 4.65 | 3.77 | -- | 12.29 | 0.2376 | 11.64 | -3.20 | 4.26 | -3.47 | -- | -- | -- |
| Exzeo Group Inc | 216.98m | 82.75m | 1.46bn | 354.00 | 14.34 | 5.76 | 17.08 | 6.75 | 1.12 | 1.12 | 2.83 | 2.80 | -- | -- | -- | 612,937.90 | -- | -- | -- | -- | 60.38 | -- | 38.14 | -- | -- | -- | 0.00 | -- | 61.99 | -- | 419.81 | -- | -- | -- |
Data as of Mar 03 2026. Currency figures normalised to Universal Insurance Holdings Inc's reporting currency: US Dollar USD
35.60%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| BlackRock Fund Advisorsas of 31 Dec 2025 | 1.98m | 7.07% |
| The Vanguard Group, Inc.as of 31 Dec 2025 | 1.79m | 6.38% |
| Dimensional Fund Advisors LPas of 31 Dec 2025 | 1.21m | 4.33% |
| Donald Smith & Co., Inc.as of 31 Dec 2025 | 1.15m | 4.10% |
| American Century Investment Management, Inc.as of 31 Dec 2025 | 897.20k | 3.20% |
| Geode Capital Management LLCas of 31 Dec 2025 | 815.48k | 2.91% |
| SSgA Funds Management, Inc.as of 31 Dec 2025 | 605.93k | 2.16% |
| Renaissance Reinsurance U.S., Inc. (Investment Portfolio)as of 31 Dec 2025 | 583.77k | 2.08% |
| Arrowstreet Capital LPas of 31 Dec 2025 | 509.85k | 1.82% |
| Goldman Sachs Asset Management LPas of 31 Dec 2025 | 435.90k | 1.55% |
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Data from 31 Dec 2025 - 31 Dec 2025Source: FactSet Research Systems Inc.
