Universal Insurance Holdings, Inc. (UVE)

Universal Insurance Holdings, Inc. (UVE) stock has shown strong performance, with the stock up 22.8% over the past month and 37.96% over the past six months, hitting a new 52-week high of $32.42 in October 2025. This outperformance has been driven by a strong record of positive earnings surprises, with the company beating Zacks Consensus Estimates in each of the last four quarters. In its Q3 2025 earnings report on October 23, 2025, UVE reported diluted GAAP EPS of $1.38, significantly surpassing the estimated EPS of -$0.60, and revenue of $400.98 million, exceeding estimates. The company's Q1 2025 results also exceeded expectations with adjusted EPS of $1.44. The company completed its combined 2025-2026 reinsurance program, effective June 1, 2025, which added $352 million of multi-year coverage, secured with no material changes to historical reinsurance partners or terms and conditions. The company also repurchased approximately 347,000 shares at an aggregate cost of $8.1 million during Q3 2025, reflecting a commitment to returning capital to shareholders. There has been some insider selling activity, with executives and directors selling shares in recent months.

The demand for Universal Insurance Holdings, Inc.'s products and services is subject to seasonality, primarily due to the cyclical nature of the property and casualty insurance business and the impact of catastrophic events. Hurricanes and other severe weather conditions, particularly in Florida and other coastal states where UVE has a significant presence, can significantly affect earnings and demand for insurance products. The company's reinsurance programs are crucial in mitigating the financial impact of such events, and the completion of its annual reinsurance program highlights the anticipation of the Atlantic hurricane season.

Universal Insurance Holdings, Inc. (UVE) is a holding company that provides property and casualty (P&C) insurance and value-added insurance services, operating within the Financials sector, specifically in the Insurance - Property & Casualty industry. The company develops, markets, and underwrites insurance products primarily for consumers in the personal residential homeowners' lines of business. Its major products include homeowners, renters/tenants, condo unit owners, and dwelling/fire insurance offered through its primary insurance subsidiaries. UVE also offers allied lines, coverage for other structures, and personal property, liability, and personal articles coverages, performing insurance-related services such as risk management, claims management, and distribution. The company advises on actuarial issues, oversees distribution, administers claims payments, performs policy administration and underwriting, and assists with reinsurance negotiations.

Universal Insurance Holdings, Inc. provides insurance products across 17 states, with licenses to write insurance in an additional three states, primarily focusing on Florida. The company has been actively pursuing geographic diversification as a core component of its strategy to drive growth and increase shareholder value, including states such as North Carolina, South Carolina, Hawaii, Georgia, Massachusetts, Maryland, Indiana, Minnesota, Michigan, and Delaware. As of March 31, 2025, Florida represents less than 50% of the company's total insured values in states exposed to the Atlantic hurricane season.

Based on the available search results, there is no specific information directly addressing Universal Insurance Holdings, Inc.'s (UVE) brand reputation or any particular events that have explicitly affected its reputation in the past year. The company's strong financial performance, including increased revenue, improved profitability, and strategic geographic diversification, could indirectly contribute to a positive perception among investors and the market.

The ownership structure of Universal Insurance Holdings, Inc. (UVE) is a mix of institutional, insider, and public/individual investors. Approximately 76.63% of the company's stock is owned by institutional shareholders, while insiders hold about 29.67%. Retail investors own approximately 54.97% of the stock according to some data. Major institutional owners include BlackRock, Inc., which is the largest shareholder with 9.42% of shares outstanding, and The Vanguard Group Inc. with 6.52%. Bradley I. Meier is the largest individual owner, holding 9.30% of the company's shares, and CEO Stephen Donaghy holds 2.49% of the company's shares.