UNIVERSAL INSURANCE HOLDINGS, INC. (UVE)
Fire, Marine & Casualty Insurance · Financial Services · $1.1B
Intrinsic Value (Consensus)
$73.52
Current Price
$37.70
Margin of Safety
+95%
95% Below Intrinsic Value
Value: $74
Price: $38
Valuation Model Estimates
Current Price: $37.70
DCF (Discounted Cash Flow)
$633.65
Graham Number
$52.99
Earnings Power Value
$61.36
Relative Value (P/E)
$126.40
Dividend Discount Model
$53.33
Consensus Value
$73.52
Model Assumptions
Discount Rate
10.3%
Growth Rate
20.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
A
93
Profitability
25/25
Strength
24/25
Valuation
22/25
Growth
22/25
Financial Health Signals
Strong profitability — ROE of 33% (above 20% is excellent)
Low debt — conservative balance sheet
Strong earnings growth (20% YoY)
High free cash flow yield (35.8%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $6.32
- EPS (Forward)
- $7.58
- Book Value
- $19.75
- P/E Ratio
- 20.0
- Forward P/E
- 16.7
- PEG Ratio
- —
- ROE
- 33.2%
- Debt/Equity
- 18%
- Revenue Growth
- 300.0%
- Earnings Growth
- 20.0%
- Dividend Yield
- 0.1%
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance