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Universal Insurance Holdings, Inc. Stock: price and insider trades · United States
No insider purchase over the last 90 days. The latest, by Donaghy Stephen, was filed 06 Sept 2023.
Universal Insurance Holdings, Inc.: what insiders have been doing
Universal Insurance Holdings, Inc., classified in the Finance & Banking sector, is a listed company. Its insiders report their share dealings to SEC (Form 4). Over the twelve months to 22 October 2026, 60 filings were filed, from 12 insiders.
Only sales appear on the open market, 21 sales in all totalling €8.6M, filed by 6 insiders. Biggest ticket of the year: €959k, sold by Springer Jon and made public on 31 October 2025.
The median gap between a trade and its publication by SEC (Form 4) is 1 day. The legal deadline for a Form 4 is two business days after the transaction. Selling is not necessarily a view on the stock: liquidity needs and diversification are common motives.
For context, the typical company on the same exchange (median of 2,023 companies) published 41 filings over the same period, against 60 filings here. Our records for Universal Insurance Holdings, Inc. go back to 2016, with 50 purchases and 109 sales on the open market in total. On the fundamentals side, the SEC filing (10-K) for the period ending 31 December 2025 lists revenue at 1.60 bn USD and net income at 183.0 m USD; the dividend was 0.77 USD per share.
In the same sector, recent insider purchases at Dynex Capital Inc and Presurance Holdings, Inc. also feature in our signals. These figures are compiled from regulatory filings published by SEC (Form 4). They describe what insiders did and are not a recommendation.
Insider Decl.
430
Thresholds
n/a
Buy Volume
€4M
50 ops. · all time
Sell Volume
€41M
109 ops. · all time
Who traded when
BuySaleDownes Sean P20 sales
Springer Jon6 sales
Kimberly D. Campos3 sales
Richard D. Peterson2 sales
Stephen Donaghy2 sales
Michael Pietrangelo1 sale
Since the insiders bought
- +71.6%Entry US$12.09 · Close at T+365 US$20.75
- +58.1%Entry US$10.14 · Close at T+365 US$16.03
- +34.2%Entry US$10.20 · Close at T+365 US$13.69
Entry is the close on the day after publication, the first price a reader could act on. Prices in the listing currency. Past moves are not a forecast.
Analyst consensus: bullish or bearish?
Analysts rate Universal Insurance Holdings, Inc. Hold (neutral), based on 1 analysts. Average price target: US$45.00.
This score ranks the purchase within its own market. A position size is suggested only on the venues of the backtested strategy universe; elsewhere, signals stay on watch. Not investment advice.
Fundamental score
Ranked 201 of 26,250 companies
88.5
score / 100
Value93
Quality84
FCF yld28%
Earn yld14%
EV/EBITDA4.7x
ROE40%
Gross mgn·
Net mgn11%
Debt/EBITDA0.3x
Pillars2/3
Transparent value + quality ranking, distinct from the insider signal.
Financial data
as of FY 2025FY ended December 2025 · cache
US$46.92
Analyst consensus
1 analystsHold
US$45.00Target US$45.00(-4%)US$45.00
Income statement
RevenueUS$1.6B
EBITDAUS$305.7M19% margin
Net incomeUS$183M13.5% margin
Valuation
PER (trailing)6.2x
PER (forward)10.4x
P/Book2.0x
Beta0.70
Balance sheet & cash
Market capUS$1.3B
Total debtUS$100.5M
Free Cash FlowUS$377.1M
Debt / Equity15%
Profitability & ownership
ROE40.2%
ROA5.7%
% insiders11.1%
% institutions77.6%
Last declaration on 11 September 2026
Declarations430 total
20,000 shares@ US$43.800.065% mcap0.9% of flowCommonSEC144:0001974078-26-000352
20,000 shares@ US$43.97810.065% mcap0.9% of flowCommon StockSEC:0001287040-26-000012:0
20,000 shares@ US$44.26820.074% mcap6.0% of flowCommon StockSEC:0000891166-26-000090:0
20,000 shares@ US$44.150.074% mcap5.9% of flowCommonSEC144:0001974078-26-000291
23,610 shares@ US$44.220.088% mcap7.1% of flowCommon StockSEC:0001287040-26-000009:0
3,414 sharesCommon StockSEC:0000891166-26-000068:0
3,414 sharesCommon StockSEC:0000891166-26-000067:0
3,414 sharesCommon StockSEC:0000891166-26-000066:0
20,000 shares@ US$37.850.063% mcap5.1% of flowCommonSEC144:0001974078-26-000234
482 shares@ US$39.40240.0015% mcap0.1% of flowCommon StockSEC:0001287040-26-000007:1
19,518 shares@ US$38.71360.069% mcap10.1% of flowCommon StockSEC:0001287040-26-000007:0
3,000 shares@ US$39.54640.011% mcap100.0% of flowCommon StockSEC:0001258089-26-000002:0
11,919 shares@ US$39.24660.038% mcap3.1% of flowCommon StockSEC:0001287040-26-000005:0
5,837 shares@ US$40.08170.019% mcap1.6% of flowCommon StockSEC:0001287040-26-000005:1
2,244 shares@ US$41.01070.0075% mcap0.6% of flowCommon StockSEC:0001287040-26-000005:2
610 shares@ US$33.671.7% of flowCommon StockSEC:0000891166-26-000033:1
2,503 shares0Common StockSEC:0000891166-26-000033:0
8,342 shares0Common StockSEC:0000891166-26-000032:0
305 shares@ US$33.6714.2% of flowCommon StockSEC:0000891166-26-000036:1
946 shares@ US$34.1244.6% of flowCommon StockSEC:0000891166-26-000036:2
5,745 shares@ US$33.6736.3% of flowCommon StockSEC:0000891166-26-000034:1
2,000 shares@ US$34.1035100.0% of flowCommon StockSEC:0000891166-26-000031:0
1,251 shares0Common StockSEC:0000891166-26-000036:0
14,598 shares0Common StockSEC:0000891166-26-000034:0
3,283 shares@ US$33.671.5% of flowCommon StockSEC:0000891166-26-000032:1
25 of 430 declarations
About Universal Insurance Holdings, Inc.
Universal Insurance Holdings, Inc. (NYSE: UVE) is a U.S.-based property and casualty insurer with a core focus on residential homeowners’ insurance. Incorporated in Delaware in 1990, the company has evolved into a vertically integrated insurance holding company that handles underwriting, distribution, claims management, and the structuring of its reinsurance program. Its headquarters are in Fort Lauderdale, Florida, United States, which underscores its long-standing exposure to coastal insurance markets and catastrophe-prone regions. ([sec.gov](https://www.sec.gov/Archives/edgar/data/891166/000089116625000025/uve-20241231.htm?utm_source=openai))
Universal’s business model is centered on homeowners’ insurance and related property & casualty coverages, distributed primarily through a network of independent agents. In its 2024 annual report, the company stated that its primary product is residential homeowners’ insurance offered in 19 states as of year-end 2024, with Florida representing the majority of its policies in force. This geographic concentration makes Universal a highly specialized player in the U.S. homeowners’ insurance market, and one whose results are closely tied to Florida market conditions, catastrophe exposure, and reinsurance pricing. The company manages catastrophic loss risk through reinsurance agreements, which are a central feature of its capital and risk-management framework. ([sec.gov](https://www.sec.gov/Archives/edgar/data/891166/000089116625000025/uve-20241231.htm?utm_source=openai))
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From a competitive standpoint, Universal Insurance Holdings is best viewed as a mid-sized specialty insurer rather than a broad diversified carrier. Its competitive edge comes from vertical integration, a strong agency distribution model, and deep underwriting experience in complex, high-hazard markets. For investors, UVE offers a relatively direct equity exposure to the economics of U.S. homeowners’ insurance, with a business profile that is more operationally specialized and more cyclical than that of larger multi-line insurers. ([sec.gov](https://www.sec.gov/Archives/edgar/data/891166/000089116625000025/uve-20241231.htm?utm_source=openai))
Recent developments have been notable. On February 24, 2026, the company reported full-year 2025 results, including diluted GAAP EPS of $2.28, and highlighted meaningful improvement in book value per share. Management also pointed to the benefits of Florida legislative reforms, which have helped stabilize the market environment. The company said direct premiums written increased in the fourth quarter of 2025 and grew year over year across 17 of the 19 states in which it does business. These updates suggest improving underwriting momentum, while also reaffirming the importance of reinsurance costs and catastrophe exposure in the investment case. ([sec.gov](https://www.sec.gov/Archives/edgar/data/891166/000089116626000007/q425uveex-991pressrelease.htm?utm_source=openai))
In summary, Universal Insurance Holdings is a NYSE-listed U.S. insurer focused on homeowners’ and property & casualty coverage, with a concentrated Florida footprint, a vertically integrated operating model, and earnings that are highly sensitive to claims severity, reinsurance costs, and regulatory developments. For francophone investors, UVE is a useful case study in the U.S. homeowners’ insurance segment and the benefits and risks of specialization in a volatile market. ([sec.gov](https://www.sec.gov/Archives/edgar/data/891166/000089116626000007/q425uveex-991pressrelease.htm?utm_source=openai))
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