MARKET WIREReuters • 3h ago
Russia's FSB says minor detained over park attack threat after US tip-off - ReutersRussia's FSB says minor detained over park attack threat after US tip-off Reuters
Why UVE Stock surged +3.44% Today — RQD Quant Desk Flash
$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.
ROARABLE B • BUY
Cap $1.32B
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Click Any Pre-Computed AI Quant Specialist Briefing on UVE Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief)
Is UVE stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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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.
✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief)
How does UVE compare to UFCS and ASIC in the Financials sector?
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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).
✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief)
What are the biggest fundamental strengths and SEC risk factors for UVE?
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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.
✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
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
66
Q2 (-2Q)Grade B-$47.12+3.7% Next Q
69
Q3 (-1Q)Grade B$48.84-2.6% Next Q
71
CurrentGrade B$47.56+7.3% Hist 90D α
74
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
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”
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →
Why UVE Stock surged +3.44% Today — RQD Quant Desk Flash
UNIVERSAL INSURANCE HOLDINGS INC (UVE) surged +3.44% to $47.56, trading at 86% of its 52-week range ($28.32 – $50.75). High-quality cash engine (steady margins, 33% return on capital) with steady institutional support.
- ▸Technical Tape: Trading at 86% of its 52-week range ($28.32 – $50.75) with RSI-14 at 62.1 (BULLISH MOMENTUM).
- ▸Volatility Profile: Historical 20-day realized swing band of ±7.1% around $47.56 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable B (Buy) backed by 52% gross margin and $377.1M annual free cash flow.
Live UVE Headlines & Catalysts
MARKET WIREReuters • 3h ago
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MARKET WIREReuters • 6h ago
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MARKET WIRECNBC • 8h ago
Here are 3 big things we're watching in the stock market in the week aheadThe market could use a few victories in the days ahead, which will be filled with more earnings, an election, and jobs data.
MARKET WIRECNBC • 8h ago
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RISK WATCHReuters • 10h ago
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MARKET WIREReuters • 11h ago
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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
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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
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 0000891166In 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 ENABLEDIs 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 × FREDWhy is UVE stock moving today?
Why UVE Stock surged +3.44% Today — RQD Quant Desk Flash. High-quality cash engine (steady margins, 33% return on capital) with steady institutional support.