UVE

Universal InsuranceA

NYSE / Insurance

At close

2026-06-02

Current thesis

The new reinsurance tower materially protects the peak catastrophe layer, cash and cash equivalents were $595.8 million at March 31, 2026, and management has a stated plan for the November 2026 note maturity. A benign storm season plus orderly refinancing could support the stock near or slightly above the $40 target summary.

Posture

Constructive

Lead driver

Momentum

What changed

Momentum remains the lead driver in the composite, 7D delta -2.4.

What can break

Catastrophic losses can still materially hurt results, liquidity, and financial condition even after the new reinsurance placement.

Momentum

Value

Sentiment

Setup hits (3d)

0 · Net Neutral

AI TargetsBase $40.00 · Bull $45.00 · Bear $30.00

Data freshness

Prices

As of 2026-06-02

Fundamentals

As of 2026-06-01 • Vendor: Data Vendor v1

Scores

As of 2026-06-02 • Model: HYBRID_IC_RP

AI Memo

As of 2026-05-30 • Model: RankAlpha Sentiment Codex

Investment thesis

As of 2026-06-02

Supporting evidence

What

Grade A · Constructive

Confidence Medium · Net Neutral

Target $40.00

Why

Momentum81 · Δ7d -2.4

Value63 · Δ7d +0.0

Sentiment56 · Δ7d +9.4

So what

Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Lead driver: Momentum · See technicals

Momentum

34% active weight

Current posture

7d trendFlat

Δ7d

-2.4

Δ21d

-6.0

Value

32% active weight

Current posture

7d trendFlat

Δ7d

+0.0

Δ21d

-9.3

Sentiment

33% active weight

Current posture

7d trendImproving

Δ7d

+9.4

Δ21d

+13.3

Why this grade

Composite grade A. Momentum 80.8 / Value 63.1 / Sentiment 55.7

Fundamentals (TTM)

As of 2026-06-01

Market Cap

$1.01B

Beta

0.71

Shares Out

28.05M

P/E (TTM)

7.4

P/S (TTM)

0.55

P/FCF (TTM)

3.90

Rev YoY

+3.5%

EPS YoY

+342.5%

Gross Margin

Op Margin

+10.2%

Net Debt

-$158.2M

Current Ratio

As of 2026-06-02 • Updated nightlySource: Internal modelMethodology