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UNIVERSAL INSURANCE HOLDINGS INC (UVE) Insider, 13F Hedge Fund & Politician Buy/Sell Thermometer

$47.56 +3.44% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $47.97

UNIVERSAL INSURANCE HOLDINGS INC (UVE) earns a Roarable Rating of B (Buy) with 74/100 RQD Confidence. High-quality cash engine (steady margins, 33% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

📊 Historical Track Record: Scores of 74/100 (B) historically ranked in the Top 12% of excess returns over the next 90 days (+7.3% avg 90D alpha vs SPY • 69.4% hit rate) →

ROARABLE B • BUY Cap $1.32B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $47.97 (+0.86%)🧬 Cannibal Buyback (-1.52% YoY Shares)⚙️ Cash Engine: 19/20 (A+) • 23.5% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 74/100 (B) historically ranked in the Top 12% of excess returns over the next 90 days (+7.3% avg 90D alpha vs SPY • 69.4% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERBUY • B

2-of-3 JEV AI Jury Bullish

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw B+ · Rk B-

Each axis scored 0–20

12M PRICE TARGET CONE+7.2% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for UVE)Realized 20D OHLCV Swing Band: ±7.1%

Deterministic 5-Pillar Attribution (74/100 Composite)

🔍 WHY UVE SCORES 74/100 (B) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Cash Engine Quality+19/20 pts (26% of score)

SEC XBRL FY 2025 (10-K): 23.5% FCF Margin ($377.1M FCF) & 52% Gross Margin

▲ #2 Bullish Driver: Macro Regime Fit+15/20 pts (20% of score)

FRED Regime × Technicals: 86% of 52W Range • RSI-14 at 62.1 (BULLISH MOMENTUM)

▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution13/20 pts (-7 pt drag)

Cannibal Buyback (-1.52% YoY Shares) & executive Form 4 sales trim 7 pts from alignment

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade B-$45.85+2.8% Next Q

Q2 (-2Q)

Grade B-$47.12+3.7% Next Q

Q3 (-1Q)

Grade B$48.84-2.6% Next Q

Current

Grade B$47.56+7.3% Hist 90D α

Trajectory: B- (66) → B (74)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the UVE Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 74/100 (B) score, UVE faces multiple-compression risk if 7.2x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-1.52% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($44.81) or 200D SMA ($38.90) invalidates the momentum regime and cuts Target Base ($50.98) toward Bear Floor ($39.00).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $UVE• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “UVE Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 74%NO 26%Trade / Inspect Odds →

SEC FORM 4 × 13F HEDGE FUNDS × CONGRESSIONAL STOCK ACT

UVE Smart-Money Thermometer: HEAVY INSIDER & 13F ACCUMULATION

Explore All 13F & Congress Whales →

▲ Disclosed Buys: 0 ($0)▼ Disclosed Sales: 0 ($0)

Wide-Open SEC Form 4, 13F & Congressional Disclosure Ledger (UVE)

No recent open-market Form 4 cluster sales or emergency dumps flagged on UVE. Visit the Global 13F & Congressional Whale Ledger for cross-market smart-money filings.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (UVE Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

UVE // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +20.01%📐 HORIZONTAL RANGE

2026-10-30O $49.17H $49.17L $47.56C $47.56VOL 279.7K

RES: $51.11SUP: $41.59SMA50: $44.81SMA200: $38.90

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

UVE Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 UVE Butterfly Map → + Track UVE →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

-7.4%/yr Implied 5Y Growth

vs. +5.5% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on UVE today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for UVE. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for UVE today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (UVE)

Financials Rank #59 of 1096 ⚔️ UFCS vs UVE Full Matrix →

1. Head-to-Head Financials Peer Comparison (UVE vs. UFCS, ASIC, SAFT, BOW)

Industry: Property-Casualty Insurers (68 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, UNIVERSAL INSURANCE HOLDINGS INC (UVE) ranks #59 by composite RQD confidence (74/100, grade B) and #511 by equity capitalization ($1.32B). Within this direct 5-issuer industry benchmark cohort, UVE leads on earnings valuation at 7.2x trailing P/E, while UVE leads on capital efficiency and profitability with 33.2% ROIC and — gross margin. UVE currently leads its immediate peer cohort in composite quantitative strength at 74/100 (B).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
UVE ACTIVE UNIVERSAL INSURANCE HOLDINGS INC	B	74/100	7.2x	—	33.2%	+3.44%	$1.32B	Benchmark Subject
UFCS United Fire Group Inc.	B-	70/100	12.4x	—	12.6%	+1.19%	$1.46B	/ufcs-vs-uve →
ASIC Ategrity Specialty Insurance Company Holdings	C+	69/100	15.8x	—	12.0%	+5.08%	$1.17B	/asic-vs-uve →
SAFT Safety Insurance Group Inc.	C	64/100	15.4x	—	11.1%	0.00%	$1.53B	/saft-vs-uve →
BOW Bowhead Specialty Holdings Inc.	C	62/100	20.9x	—	12.0%	-0.23%	$1.12B	/bow-vs-uve →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000891166

In its most recent audited fiscal period (FY2025, filed 2025-12-31), UNIVERSAL INSURANCE HOLDINGS INC (UVE) reported GAAP revenue of $1.60B (+5.5% vs. FY2024 revenue of $1.52B , and +15.3% cumulative change since FY2023) , GAAP net income of $183.0M, operating cash flow of $381.5M, and free cash flow of $377.1M (+190.1% YoY). On the balance sheet, UVE closed FY2025 with $2.84B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$1.60B	$183.0M	$381.5M	$377.1M	$2.84B	—
FY2024 (FY)	2024-12-31	$1.52B	$58.9M	$137.4M	$130.0M	$2.84B	—
FY2023 (FY)	2023-12-31	$1.39B	$66.8M	$71.0M	$71.0M	—	—

3. UVE Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is UVE stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, UNIVERSAL INSURANCE HOLDINGS INC (NYSE: UVE) is rated B (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 74/100 at a spot price of $47.56 (+3.44% 1D, market cap $1.32B). Pillar breakdown: Fundamental Cash Engine 19/20, Institutional 13F & Options Flow 14/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 15/20, and SEC Balance-Sheet Forensics 13/20. Across 1096 tracked Financials issuers, UVE ranks #59 in composite RQD confidence.

How does UVE compare to UFCS and ASIC in the Financials sector?

Within the Financials sector (Property-Casualty Insurers), UVE carries a Roarable B (74/100 RQD), trailing P/E of 7.2x, gross margin of —, and ROIC of 33.2%. By comparison, UFCS (United Fire Group Inc.) holds a B- grade (70/100 RQD, P/E 12.4x, ROIC 12.6%, cap $1.46B) and ASIC (Ategrity Specialty Insurance Company Holdings) posts a C+ grade (69/100 RQD, P/E 15.8x, ROIC 12.0%, cap $1.17B). Among the 5-stock peer group, UVE leads on earnings multiple (7.2x) while UVE leads on capital efficiency (33.2% ROIC).

What are the biggest fundamental strengths and SEC risk factors for UVE?

Per UVE's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000891166), UNIVERSAL INSURANCE HOLDINGS INC generated $1.60B in revenue (+5.5% YoY), $183.0M in net income, and $377.1M in free cash flow against $2.84B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is UVE trading relative to its 50-day, 200-day, and 52-week technical levels?

UVE last traded at $47.56 (+3.44% on volume of 220,085 shares), positioning the stock +6.14% above its 50-day simple moving average ($44.81) and +22.26% above its 200-day simple moving average ($38.90). Across its 52-week range of $28.32 to $50.75, UVE sits at the 85.8% percentile with a 14-day RSI of 62.1 (BULLISH MOMENTUM) and an implied next-earnings move of ±7.1% ($44.18 to $50.94).

UVE Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Are UVE insiders and hedge funds buying or selling?

Roarable's SEC Form 4 and 13F Whale Thermometer currently classifies UVE leadership and institutional positioning as: HEAVY INSIDER & 13F ACCUMULATION.

Direct Sub-Reports: UVE RQD Cockpit UVE 12M Forecast UVE Earnings & Move UVE Dividends & DRIP UVE Insiders & 13F UVE Whale Options UVE Profit Sankey UVE News & Why