Universal Insurance Holdings, Inc. (UVE)

In the past six months, Universal Insurance Holdings, Inc. has experienced several notable stock-related events. On January 7, 2026, Universal announced a new share repurchase program. On November 6, 2025, Universal declared regular and special cash dividends. Universal reported its Third Quarter 2025 results on October 23, 2025, and announced the dates for its Third Quarter 2025 earnings release and conference call on October 13, 2025. Universal reported its Second Quarter 2025 results on July 24, 2025, and declared a regular cash dividend and announced earnings dates on July 9, 2025. There have been several insider trading activities, including share sales by the Executive Chairman and the CEO and Director.

Demand seasonality for Universal Insurance Holdings, Inc.'s products and services is influenced by the nature of property and casualty insurance, particularly its exposure to catastrophe-prone regions. The company's business is inherently exposed to hurricane seasons, suggesting that demand for and the cost of insurance, as well as potential claims, could see seasonal spikes. The company's strategic shift towards geographic diversification aims to mitigate the risk associated with concentrating in catastrophe-prone areas. Historically, an analysis of UVE's seasonal charts suggests a potential seasonal pattern in investor interest and stock performance.

Universal Insurance Holdings, Inc. operates as an integrated insurance holding company in the United States, focusing on property and casualty insurance and related services. The company develops, markets, and underwrites insurance products for consumers through its primary insurance subsidiaries, Universal Property and Casualty Insurance Company and American Platinum Property and Casualty Insurance Company. Its major products include personal residential insurance and allied lines, and it provides value-added insurance services such as risk management, claims management, and reinsurance negotiations. The company distributes its products through an independent agency network, direct-to-consumer online platforms, and its digital insurance agency platform.

Universal Insurance Holdings, Inc. has expanded its geographic footprint beyond Florida to diversify risk and broaden its market. While Florida remains a primary operational base, the company operates in 19 states, with licenses to write insurance in additional states. As of early 2026, Universal commenced operations in Wisconsin, marking its 19th state of operation. By Q1 2025, Florida accounted for less than 50% of the company's total insured values in hurricane-exposed states.

Information specifically detailing Universal Insurance Holdings, Inc.'s brand reputation in the past year is not explicitly available in the provided search results. However, the company reported strong Q1 2025 results, which could contribute to a good reputation. A challenging third quarter of 2024, impacted by catastrophic weather events, could strain the company's reputation. The successful conclusion of a claim data review in April 2025 could help maintain or improve reputation. UVE's strategic focus is on creating a best-in-class experience for customers.

The ownership structure of Universal Insurance Holdings is a mix of institutional, retail, and individual investors. Institutional investors are the primary owners, controlling approximately 75% of the company's shares. Major institutional owners include BlackRock, Inc., The Vanguard Group, Inc., Donald Smith & Co., Inc., Dimensional Fund Advisors LP, State Street Global Advisors, Inc., and Renaissance Investment Holdings Ltd. Individual owners, including insiders, hold a significant portion, with Donald Smith owning the most shares among individual investors. CEO Stephen Donaghy owns 2.28% of the company's shares, and Executive Chairman Sean P. Downes holds 1.27 million shares.