Stock Ratings / Financials / UVE / options

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UNIVERSAL INSURANCE HOLDINGS INC (UVE) Options Positioning, Max Pain & Unusual Sweeps

$47.56 +3.44% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot)

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

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

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

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%

CALL VS. PUT WHALE SHARE

— (No Active Options Snapshot)

Put/Call Ratio: — (No Active Options Snapshot)

MAX-PAIN EXPIRATION MAGNET

— (No Active Options Snapshot)

No active options chain max-pain snapshot on file

HISTORICAL 20D VOLATILITY SWING

±7.1%

Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (UVE)

— (No Active Options Snapshot) — No unusual CBOE strike concentration anomalies recorded in the current database snapshot for UVE.

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Whale Flow & Momentum Playbook: Evaluating UVE & AI Leaders Without Chasing Tops

✓Institutional whale strikes & implied earnings move audit on UVE
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✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders

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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

🦋 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

What is UVE's options positioning and volatility profile?

Roarable tracks verified CBOE unusual options sweeps, put/call ratios, and OHLCV realized volatility bands for UVE.

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