Insider buying last 90 days
No open-market insider purchases were filed for UVE in the last 90 days.
From Form 4 filings, dated to when each was filed.
Every UVE insider filing, plotted on the chart in Gekko.Open UVE in Gekko
NYSE: UVE
UNIVERSAL INSURANCE (UVE) Stock Analysis & Forecast
Oct 12 close
$46.32+0.47 (+1.0%)
Gekko Brief
AI summaryOct 12 closeUniversal Insurance (UVE) reached a fresh 52-week high this week, touching $45.25 before extending further, with coverage pointing to rising investment income and an expanding portfolio as a support to earnings even as underwriting and catastrophe-related volatility persist. Commentary this week also weighed value and growth characteristics of the stock and flagged the upcoming Q3 2026 results, with analysts noting a 48.3% one-year return and a 30.3% year-to-date gain cited around the 52-week high milestone.
UVE closed at $46.32, up 1% on the day, trading above both its 50-day average of $43.64 and its 200-day average of $37.81, with the 50-day above the 200-day. The stock sits at a 52-week high of $47.56 against a low of $27.89, with one-month, three-month, six-month and one-year returns of 4.5%, 11.7%, 32.6% and 56.1% respectively. The GekkoIndex reads 47.5, placing UVE in the Neutral zone, down from a five-day change of -7.7. Price sits 4.9% above Gekko Fair Value of $44.15.
UVE reports earnings on 22 October 2026, nine days out and within a typical 20-trading-day holding window. No insider, Congress or unusual options activity appears in the respective windows. Seasonality from this point in the calendar has historically averaged a 18.8% move over the next 20 trading days across 5 years, rising in 5 of them. The sole analyst covering the stock holds a hold rating with a consensus target of 45, implying a -2.8% consensus upside from current levels.
Written by AI from the Oct 12, 2026 close and checked automatically against the figures on this page.
UNIVERSAL INSURANCE price vs fair value
Close $46.32200-day averageGekko Fair Value $44.15
UNIVERSAL INSURANCE quick facts
- Market cap
- $1.29B
- P/E ratio
- 6.2
- Forward P/E
- 10
- EPS, TTM
- $7.42
- Revenue, TTM
- $1.63B
- Profit margin
- 13.5%
- Dividend yield
- 1.36%
- Beta
- 0.70
- Volume
- 179,240 avg 169,082
- 1-year return
- +56.1%
- Typical daily move
- ±2.8%
- Typical 20-day move
- ±6.1%
- 50-day average
- $43.64
- 200-day average
- $37.81
- Next earnings
- Oct 22
- Shares outstanding
- 27.83M
UNIVERSAL INSURANCE swing-trade checklist
UNIVERSAL INSURANCE scores 2 supportive, 2 mixed and 1 headwind across the 5 checklist items with data.
Six things swing traders check before a 20-day hold, read from the latest data.
2 supportive2 mixed1 headwind
- Trendsupportive
Above 50 and 200-day
Close $46.32 is above the 50-day ($43.64) and 200-day ($37.81) averages, and the 50-day is above the 200-day.
See the chart - GekkoIndexmixed
47.5, Neutral
Reading 47.5 is in the Neutral zone.
See the GekkoIndex - Fair valuemixed
4.9% above
Price is within 5% of Gekko Fair Value (4.9% above).
See fair value - Smart moneyno data
No data
No insider, Congress or unusual options activity in the window.
See smart money - Earnings riskheadwind
Reports in 10 days
Reports on Oct 22, 2026, 10 days away — inside a typical 20-trading-day hold.
See earnings - Seasonalitysupportive
+18.8% on average
From this point in the calendar, the next 20 trading days averaged +18.8% over 5 years, rising in 5 of them.
See seasonality
A description of current data, not a recommendation. How this page works
UNIVERSAL INSURANCE stock chart and price history
UNIVERSAL INSURANCE closed at $46.32 on Oct 12, 2026, +56.1% over the past year, inside a 52-week range of $27.89 to $47.56.
Close50-day average200-day averageVolume
Use the left and right arrow keys to read daily values.
Performance Breakdown
- 1 month
- +4.5%
- 3 months
- +11.7%
- 6 months
- +32.6%
- 1 year
- +56.1%
The full UVE chart adds GekkoIndex, insider, options, Congress and hedge fund markers, plus TrendCandles™.Open UVE in Gekko
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About UNIVERSAL INSURANCE
Universal Insurance provides property coverage for homeowners, renters, condo owners, and dwelling and fire situations, along with related lines such as liability, personal property, and personal articles protection. The company serves individual policyholders across the United States and is recognized for its residential insurance offerings.
Beyond writing policies, Universal Insurance handles the full insurance lifecycle for its operations, including actuarial guidance, claims administration, underwriting, and policy management. It also structures and manages reinsurance arrangements and evaluates risk exposure at both individual and portfolio levels. Customers can reach the company through independent agents, direct online channels, or Clovered.com, its digital insurance agency platform.
The company is based in Fort Lauderdale, Florida, and traces its incorporation back to 1990, having previously operated under the name Universal Heights before adopting its current name in 2001. Its shares trade on the NYSE under the ticker UVE.
- Listed
- NYSE
- Sector
- Finance
- Industry
- Property/Casualty insurance
- Website
- universalinsuranceholdings.com
UNIVERSAL INSURANCE GekkoIndex: the smart money zone
UNIVERSAL INSURANCE’s GekkoIndex — Gekko’s 0 to 100 smart money score — reads 47.5, in the Neutral zone, down 7.7 points over five sessions.
47.5Neutral
Down 7.7 points over five sessions.
Reading for Oct 12, 2026
What followed past readings in each zone
| Zone | Readings | 5 days | 20 days | ||
|---|---|---|---|---|---|
| Buying | 13 | +5.6% | +9.5% | ||
| Accumulation | 163 | +1.2% | +4.6% | ||
| Neutral (current zone) | 442 | +0.9% | +2.9% | ||
| Distribution | 55 | −1.1% | +2.6% | ||
| Selling | 9 | Too few readings yet | |||
Average UVE share-price change over the trading days after each daily reading in its GekkoIndex history. Across every stock Gekko tracks, Neutral readings averaged +1.1% over 20 days. Past behaviour doesn’t guarantee future results.
Neutral zone: No clear directional signal. About the five zones →
See every daily GekkoIndex reading plotted over the UVE price, zone by zone.Track UVE in Gekko
Is UNIVERSAL INSURANCE stock overvalued? Gekko Fair Value
UNIVERSAL INSURANCE trades 4.9% above Gekko Fair Value of $44.15, so the shares are about fair value on Gekko’s estimate.
Gekko’s own estimate of what UNIVERSAL INSURANCE shares are worth, recalculated every trading day.
$44.15
Gekko Fair Value, Oct 10, 2026
4.9% above fair value · About fair value
At the end of Aug 2026 the price was 2.2% below the estimate.
Gekko Fair ValueShare price, month end
Gekko Fair Value on every chart, with the gap to price updating daily.Open UVE in Gekko
UNIVERSAL INSURANCE insider and Congress trading
No open-market insider purchases were filed for UNIVERSAL INSURANCE, and no Congress trades were disclosed, in the last 90 days.
Plus buybacks, unusual options and fund positions, each dated to when it became public.
Congress trades last 90 days
No trades in UVE were disclosed by members of Congress in the last 90 days.
From congressional disclosures, which report amounts as ranges.
Congress disclosures for UVE, plotted on the chart in Gekko.Open UVE in Gekko
Buybacks
UNIVERSAL INSURANCE has been buying back its own shares.
- Latest authorization
- $20.00M, Jan 7, 2026
- Bought back, quarter ended Jun 30, 2026
- $4.54M
- As a share of market cap
- 0.35%
- Trailing four quarters
- $26.63M
From company filings.
UNIVERSAL INSURANCE earnings: next date and track record
UNIVERSAL INSURANCE reports on Oct 22, 2026 (10 days away).
Next earnings report
Oct 22, 2026
10 days away
- EPS estimate
- $1.57
- Revenue estimate
- $601.7M
UNIVERSAL INSURANCE stock forecast and analyst price targets
Analysts’ average 12-month price target for UNIVERSAL INSURANCE is $45.00, −2.8% from the last close, from 1 firm rating the stock in the last 90 days.
$45.00consensus 12-month target, −2.8% from the last close
Each firm’s latest rating in the last 90 days: 1 firm.
Latest analyst actions
| Date | Firm | Target | vs price |
|---|---|---|---|
| Jul 24 | Piper Sandler | $44 | −5.0% |
| Jul 15 | Piper Sandler | $44 | −5.0% |
+2.9%average 20-day move after past Neutral readings
+18.8%average move over the next 20 trading days in the last 5 years
±2.8%typical daily move, from the 14-day average range
Gekko doesn’t publish price predictions. These are analyst targets and historical base rates, which don’t guarantee future results.
UNIVERSAL INSURANCE seasonality: the next 20 trading days
Over the next 20 trading days from Oct 10, UNIVERSAL INSURANCE averaged +18.8% across the last 5 years, rising in 5 of them.
Next 20 trading days, by year
Average move and hit rate
| Window | Average | Years higher |
|---|---|---|
| Next 5 trading days | +5.2% | 3 of 5 |
| Next 10 trading days | +8.0% | 5 of 5 |
| Next 15 trading days | +13.0% | 5 of 5 |
| Next 20 trading days | +18.8% | 5 of 5 |
| Next 30 trading days | +20.9% | 5 of 5 |
For scale, UVE’s typical 20-trading-day move in either direction is about 6.1%.
UNIVERSAL INSURANCE market cap and key statistics
UNIVERSAL INSURANCE’s market cap is $1.29B, with a P/E ratio of 6.2 and revenue of $1.63B over the last twelve months.
Valuation
- Market cap
- $1.29B
- P/E ratio
- 6.2
- Forward P/E
- 10
- EPS, TTM
- $7.42
- Gekko Fair Value
- $44.15
Trading
- Volume
- 179,240
- Avg volume, 20 days
- 169,082
- 52-week high
- $47.56
- 52-week low
- $27.89
- Shares outstanding
- 27.83M
Financials
- Revenue, TTM
- $1.63B
- Profit margin
- 13.5%
- Return on equity
- 40.2%
- Quarterly earnings growth, YoY
- +68.6%
Risk and income
- Beta
- 0.70
- Typical daily move
- ±2.8%
- Typical 20-day move
- ±6.1%
- Dividend yield
- 1.36%
UNIVERSAL INSURANCE stock news this week
5 headlines about UNIVERSAL INSURANCE from the past week, newest first, each linking to the publisher.
- UVE Relies on Investment Income Amid Underwriting VolatilityZacks Investment Research, Oct 12
- Should Value Investors Buy Universal Insurance Holdings (UVE) Stock?Zacks Investment Research, Oct 12
- UNIVERSAL INSURANCE HOLDINGS INC (UVE) Hit a 52 Week High, Can the Run Continue?Zacks Investment Research, Oct 12
- Universal Insurance Q3 2026 Earnings Date and EstimatesMarketBeat, Oct 10
- Universal Insurance Holdings stock hits 52-week high at 45.25 USDInvesting.com, Oct 7
UNIVERSAL INSURANCE peers
UNIVERSAL INSURANCE’s 6 largest industry peers by market value, with today’s move, GekkoIndex zone and gap to Gekko Fair Value.
| Stock | GekkoIndex zone | vs Fair Value |
|---|---|---|
| BRK.ABerkshire Hathaway | Neutral | 0.1% above |
| BRK.BBerkshire Hathaway | Neutral | 1.2% below |
| CBChubb | Neutral | 1.8% below |
| TRVTravelers Companies | Neutral | 1.6% above |
| HIGHartford Insurance | Neutral | 7.1% below |
| MKLMarkel | Neutral | 3.3% below |
A peer links to its own page where one exists.
UNIVERSAL INSURANCE stock FAQ
What is UNIVERSAL INSURANCE’s market cap?
UNIVERSAL INSURANCE’s market cap is $1.29B at the Oct 12, 2026 close of $46.32, with 27.83M shares outstanding. The shares trade on a P/E ratio of 6.2.
What is the UNIVERSAL INSURANCE stock forecast?
The consensus analyst 12-month price target for UNIVERSAL INSURANCE is $45.00, −2.8% from the last close. Of the 1 firm that rated the stock in the last 90 days, 0 rate it a buy, 1 a hold and 0 a sell. Gekko doesn’t publish price predictions of its own.
Is UNIVERSAL INSURANCE stock overvalued or undervalued?
On Gekko’s estimate UNIVERSAL INSURANCE is about fair value: the Oct 12, 2026 close of $46.32 is 4.9% above Gekko Fair Value of $44.15. Gekko Fair Value is recalculated every trading day, and a gap inside 5% either way counts as about fair value.
When does UNIVERSAL INSURANCE report earnings next?
UNIVERSAL INSURANCE is expected to report on Oct 22, 2026 (10 days away). Analysts expect earnings of $1.57 per share on revenue of $601.7M.
What is UNIVERSAL INSURANCE’s 52-week high and low?
UNIVERSAL INSURANCE’s 52-week high is $47.56 and its 52-week low is $27.89; it closed at $46.32 on Oct 12, 2026, +56.1% over the past year.
Is UNIVERSAL INSURANCE stock a buy right now?
Gekko describes the data; it does not make buy or sell recommendations. On the swing-trade checklist, 2 of the 5 items with data read as supportive (trend and seasonality), 2 as mixed (gekkoindex and fair value) and 1 as a headwind (earnings risk). The checklist is a description of current data, not a recommendation.
How this page works
During US trading hours the price at the top of the page is a delayed quote, refreshed every 15 minutes; everything else is rebuilt after each US market close. The GekkoIndex, Gekko Fair Value and the checklist are Gekko’s own, and the Gekko Brief is written by AI from this page’s data and checked against it before it is published. How Gekko’s data works →
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