UVE

Universal InsuranceB

NYSE / Insurance

At close

2026-07-21

Current thesis

The bull case is that Q1 validated the underwriting turnaround: adjusted EPS and ROCE were strong, the combined ratio improved to 89.7%, and management says the reinsurance program is fully supported and secured with additional multi-year coverage. If losses stay normal, book value and capital returns can keep compounding.

Posture

Constructive

Lead driver

Value

What changed

Next scheduled catalyst: earnings 2026-07-23 · AMC.

What can break

Capital-return flexibility depends on continued book-value growth and stable capital at the insurance entities.

Momentum

Value

Sentiment

Setup hits (3d)

0 · Net Neutral

AI TargetsBase $40.00 · Bull $46.00 · Bear $29.00

Earnings

2026-07-23 · AMC

Data freshness

Prices

As of 2026-07-21

Fundamentals

As of 2026-07-21 • Vendor: Data Vendor v1

Scores

As of 2026-07-21 • Model: HYBRID_IC_RP

AI Memo

As of 2026-06-06 • Model: RankAlpha Sentiment Codex

Investment thesis

As of 2026-07-21

Supporting evidence

What

Grade B · Constructive

Confidence Medium · Net Neutral

Target $44.00

Why

Momentum49 · Δ7d -26.3

Value63 · Δ7d +0.2

Sentiment54 · Δ7d +5.6

So what

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

Lead driver: Value · See fundamentals

Momentum

26% active weight

Current posture

7d trendSoftening

Δ7d

-26.3

Δ21d

-16.6

Value

39% active weight

Current posture

7d trendFlat

Δ7d

+0.2

Δ21d

+0.6

Sentiment

34% active weight

Current posture

7d trendImproving

Δ7d

+5.6

Δ21d

+2.4

Why this grade

Composite grade B. Momentum 49.1 / Value 63.1 / Sentiment 54.0

Fundamentals (TTM)

As of 2026-07-21

Market Cap

$1.07B

Beta

0.71

Shares Out

27.91M

P/E (TTM)

7.4

P/S (TTM)

0.55

P/FCF (TTM)

3.90

Rev YoY

-0.3%

EPS YoY

+30.8%

Gross Margin

Op Margin

+10.2%

Net Debt

-$377.36M

Current Ratio

1.12

As of 2026-07-21 • Updated nightlySource: Internal modelMethodology