UVE
Universal Insurance Holdings
PE ratio, current and historical analysis
- Stocks
- Financial Services
- NYSE: UVE
- PE Ratio
As of Jun 23, 2026, the Universal Insurance Holdings stock's PE ratio is 5.68. This takes into account the latest EPS of $7.04 and stock price of $39.97. The PE ratio marks a decrease of 18% from its last 4 quarters average of 6.9.
UVE PE ratio history
The PE ratio of Universal Insurance Holdings has averaged 14.54 over the last ten years. The current P/E ratio of 5.68 is 61% lower than the historical average. Looking back at the last ten years, UVE's PE ratio peaked in the Jun 2023 quarter at 77.15, when the price was $15.43 and the EPS was $0.2. The lowest point was in the Mar 2026 quarter, when it reached 4.85 with a price of $34.16 and an EPS of $7.04.
Universal Insurance Holdings PE ratio by year
Maximum annual increase: 80.96% in 2019
Maximum annual decrease: -49.36% in 2025
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| 2025 | 5.15 | -49.36% | $33.8 | $6.56 |
| 2024 | 10.17 | 42.64% | $21.06 | $2.07 |
| 2023 | 7.13 | N/A | $15.98 | $2.24 |
| 2022 | N/A | N/A | $10.59 | -$0.72 |
| 2021 | 26.15 | 3.85% | $17 | $0.65 |
| 2020 | 25.18 | 23.25% | $15.11 | $0.6 |
| 2019 | 20.43 | 80.96% | $27.99 | $1.37 |
| 2018 | 11.29 | 26.71% | $37.92 | $3.36 |
| 2017 | 8.91 | -10.54% | $27.35 | $3.07 |
| 2016 | 9.96 | 31.4% | $28.4 | $2.85 |
| 2015 | 7.58 | -19.53% | $23.18 | $3.06 |
| 2014 | 9.42 | 6.68% | $20.45 | $2.17 |
| 2013 | 8.83 | 53.3% | $14.48 | $1.64 |
| 2012 | 5.76 | -17.95% | $4.38 | $0.76 |
| 2011 | 7.02 | 36.84% | $3.58 | $0.51 |
Universal Insurance Holdings PE ratio by quarter (TTM)
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| Mar 2026 | 4.85 | -5.83% | $34.16 | $7.04 |
| Dec 2025 | 5.15 | -14.17% | $33.8 | $6.56 |
| Sep 2025 | 6 | -48.5% | $26.3 | $4.38 |
| Jun 2025 | 11.65 | 16.5% | $27.73 | $2.38 |
| Mar 2025 | 10 | -1.67% | $23.7 | $2.37 |
| Dec 2024 | 10.17 | 15.7% | $21.06 | $2.07 |
| Sep 2024 | 8.79 | 35.44% | $22.16 | $2.52 |
| Jun 2024 | 6.49 | -17.32% | $18.76 | $2.89 |
| Mar 2024 | 7.85 | 10.1% | $20.32 | $2.59 |
| Dec 2023 | 7.13 | 20.03% | $15.98 | $2.24 |
| Sep 2023 | 5.94 | -92.3% | $14.02 | $2.36 |
| Jun 2023 | 77.15 | N/A | $15.43 | $0.2 |
| Mar 2023 | N/A | N/A | $18.22 | -$0.5 |
| Dec 2022 | N/A | N/A | $10.59 | -$0.72 |
| Sep 2022 | N/A | N/A | $9.85 | -$3.1 |
UVE Price vs fair value
UVE average PE ratio chart
What this chart measures
The Historical Valuation Regime chart shows where the stock's current valuation sits relative to its own historical valuation range over the selected lookback period.
This is a history-relative tool, not a market-relative percentile. It does not compare the stock to other companies. Instead, it compares each historical valuation reading to the stock's own past readings.
Percentile logic
The threshold lines are calculated them from the stock's real historical values using percentile interpolation. That is why some colored bands are narrow while others are wide: the band widths reflect how the stock actually traded through time.
Regime map
| Historical percentile | Regime | Chart meaning |
|---|---|---|
| 0-10 | Historically Low | Deep cheap zone |
| >10-25 | Below Average | Cheap relative to history |
| >25-75 | Average | Within the normal historical range |
| >75-90 | Above Average | Expensive relative to history |
| >90-100 | Historically High | Extreme or stretched valuation |
How to read each part
| Chart element | What it tells you |
|---|---|
| Main line | The actual historical valuation values over time for the selected metric. |
| Dashed horizontal lines | The stock's computed P10, P25, Median, P75, and P90 thresholds for the selected period. |
| Colored bands | The historical valuation zones between those thresholds. |
| Metric boxes | Current ratio, historical median, current percentile, and current regime. |
| Timeline strip | A condensed regime history showing how the stock moved between cheap, fair, and expensive states across each observation. |
Important metric definitions
Current Percentile is the percentile rank of the latest valid historical observation within the selected lookback range.
Current Regime is assigned directly from the latest observation's percentile bucket using the fixed 10 / 25 / 75 / 90 cutoffs shown above.
How to use it well
This chart is most useful for answering a narrow question: Is this stock trading high, low, or normal relative to its own history? It works best alongside growth, profitability, and forward-looking business analysis, because a stock can deserve a higher or lower regime if its business quality has changed.
UVE's current PE ratio is lower than its 3, 5 and 10-year averages.
PE comparison
With a price to earnings (P/E) of 5.68, UVE ranks lower than the Financial Services sector, the industry and its peers average. In comparison with the Financial Services sector average of 12.95, Universal Insurance Holdings's price to earnings (P/E) is 56% lower.
UVE PE vs peers
UVE's PE ratio stands lower than its peer stocks ERIE and ORI, but it is higher than HRTG's. Universal Insurance Holdings's current PE ratio of 5.68 is lower than the average of its peers, which is 10.17.
| Stock name | PE ratio | Market cap |
|---|---|---|
| HRTG Heritage Insurance Holdings Inc | 3.82 | $757.23M |
| UVE Universal Insurance Holdings Inc | 5.68 | $1.12B |
| HCI HCI Group Inc | 7.24 | $2.2B |
| KINS Kingstone Companies Inc | 7.71 | $249.14M |
| ORI Old Republic International Corp | 9.56 | $9.68B |
| HTH Hilltop Holdings Inc | 14.65 | $2.26B |
| ERIE Erie Indemnity Co | 18.02 | $10.21B |
Frequently asked questions
What is Universal Insurance Holdings's PE ratio?
The price to earnings ratio for UVE stock as of Jun 23, 2026, stands at 5.68.
What is the 3-year average PE ratio for Universal Insurance Holdings (UVE)?
As an average over the last 3 years, UVE stock has a PE ratio of 13.43.
What is the 5-year average PE ratio for Universal Insurance Holdings (UVE)?
As an average over the last 5 years, UVE stock has a PE ratio of 15.43.
What is the highest PE ratio for UVE?
Over the last ten years, the quarterly PE ratio reached its highest level at 77.15 in the Jun 2023 quarter.
How does the current PE ratio for UVE compare to its historical average?
UVE's price to earnings ratio is currently 61% below its 10-year historical average.
Why is Universal Insurance Holdings's PE ratio so low?
UVE's PE ratio of 5.68 is considered low because the company's stock price is trading at a lower multiple of earnings.
How is UVE's PE ratio calculated (Universal Insurance Holdings PE ratio formula)?
You can calculate the P/E ratio by dividing the most recent stock price by the trailing twelve months EPS. As of today (Jun 23, 2026), Universal Insurance Holdings's share price is $39.97. The company's earnings per share for the trailing twelve months (TTM) ending Mar 2026 is $7.04. Therefore, Universal Insurance Holdings's PE ratio for today is 5.68. PE RATIO(5.68) = STOCK PRICE($39.97) / TTM EPS($7.04)
All PE ratio stats are based on quarterly TTM periods, unless otherwise specified.