UVEUniversal Insurance Holdings, Inc.
Universal Insurance Holdings, Inc. (UVE) sells property and casualty insurance, primarily through its wholly-owned subsidiary, Universal Insurance Holdings, Inc. The next catalyst is Oct 10, 2026 — Universal Insurance (NYSE:UV) prior+news, which will test the company’s ability to manage its float in a cooling rate environment and provide clarity on its capital deployment strategy.
- UVE’s 2026 revenue reached $1.62B, with a net margin of 12.8% over the trailing twelve months.
- The company’s debt-to-equity ratio stands at 0.18x, indicating a relatively conservative capital structure.
- Shareholders’ equity totaled $551.03M as of June 30, 2026.
The Read
4% following resolved catalysts, as seen in its 2027 reinsurance renewal which drove a ~29.
The schedule
- Sat10Oct
This event is a pre-earnings catalyst, likely focused on reinsurance program updates or strategic announcements that could influence investor sentiment ahead of the Q3 earnings report.
- Thu22Oct
This earnings report will test the company's ability to maintain profitability amid rising interest rates and reinsurance market volatility. The outcome will be influenced by the guidance on future premium growth and the impact of the 2028 reinsurance program renewal.
- Fri15Jan
This event will test the company's ability to secure favorable terms for its 2028 reinsurance program, which is critical for maintaining its current underwriting capacity and profitability.
- Tue9Feb
This earnings report will test the company's ability to maintain profitability amid rising interest rates and reinsurance market volatility. The outcome will be influenced by the guidance on future premium growth and the impact of the 2028 reinsurance program renewal.
- Tue11May
- Tue10Aug
Past
- Thu10Sep
Actual outcome: Mixed · $42.50 at outcome
The stock fell 3.5% following the event due to mixed results and market concerns over the company's ability to meet expectations amid the Peak Atlantic Hurricane Seas. While the event provided some context, the lack of clear positive catalysts and the downward pressure on the stock led to the bearish reaction.
Peak Atlantic Hurricane Seas
- Thu23Jul
Actual outcome: Bull · $43.60 at outcome
Universal Insurance Holdings reported Q2 2026 earnings per share of $1.84, significantly beating the consensus estimate of $1.43 per share. The strong quarterly results were propelled by improved claims trends, a reduced net loss ratio, solid premium growth, and higher investment income. The earnings beat of 28.7% drove strong investor enthusiasm, pushing the stock up over 10% in the session following the release. [Market retrospective · Ultra-Short (1–5 days)] Missed anticipation: +10.4% from 2026-07-23 to 2026-07-27 (~4.3σ vs typical 1d vol). Target evaluation date 2026-07-28 (not yet reached as of 2026-07-27). Confidence 98%. [Market retrospective · Ultra-Short (1–5 days)] Updated observation 2026-07-28: +10.4% from 2026-07-23 (~4.3σ). Target date 2026-07-28 reached; move through 2026-07-28 observed. [Market retrospective · Ultra-Short (1–5 days)] Updated observation 2026-07-29: +10.4% from 2026-07-23 (~4.3σ). Target date 2026-07-28 reached; move through 2026-07-29 observed. [Market retrospective · Ultra-Short (1–5 days)] Updated observation 2026-07-31: +10.4% from 2026-07-23 (~4.3σ). Target date 2026-07-28 reached; move through 2026-07-31 observed. [Market retrospective · Ultra-Short (1–5 days)] Updated observation 2026-08-03: +10.4% from 2026-07-23 (~4.3σ). Target date 2026-07-28 reached; move through 2026-08-03 observed. [Market retrospective · Ultra-Short (1–5 days)] Updated observation 2026-08-04: +10.4% from 2026-07-23 (~4.3σ). Target date 2026-07-28 reached; move through 2026-08-04 observed. [Market retrospective · Ultra-Short (1–5 days)] Updated observation 2026-08-05: +10.4% from 2026-07-23 (~4.3σ). Target date 2026-07-28 reached; move through 2026-08-05 observed. [Market retrospective · Ultra-Short (1–5 days)] Updated observation 2026-08-06: +10.4% from 2026-07-23 (~4.3σ). Target date 2026-07-28 reached; move through 2026-08-06 observed. [Market retrospective · Ultra-Short (1–5 days)] Updated observation 2026-08-06: +10.4% from 2026-07-23 (~4.3σ). Target date 2026-07-28 reached; move through 2026-08-06 observed. [Market retrospective · Ultra-Short (1–5 days)] Updated observation 2026-08-06: +10.4% from 2026-07-23 (~4.3σ). Target date 2026-07-28 reached; move through 2026-08-06 observed. [Market retrospective · Ultra-Short (1–5 days)] Updated observation 2026-08-06: +10.4% from 2026-07-23 (~4.3σ). Target date 2026-07-28 reached; move through 2026-08-06 observed. [Market retrospective · Ultra-Short (1–5 days)] Updated observation 2026-08-06: +10.4% from 2026-07-23 (~4.3σ). Target date 2026-07-28 reached; move through 2026-08-06 observed. [Market retrospective · Ultra-Short (1–5 days)] Updated observation 2026-08-07: +10.4% from 2026-07-23 (~4.3σ). Target date 2026-07-28 reached; move through 2026-08-07 observed. [Market retrospective · Ultra-Short (1–5 days)] Updated observation 2026-08-07: +10.4% from 2026-07-23 (~4.3σ). Target date 2026-07-28 reached; move through 2026-08-07 observed. [Market retrospective · Ultra-Short (1–5 days)] Updated observation 2026-08-07: +10.4% from 2026-07-23 (~4.3σ). Target date 2026-07-28 reached; move through 2026-08-07 observed. [Market retrospective · Ultra-Short (1–5 days)] Updated observation 2026-08-07: +10.4% from 2026-07-23 (~4.3σ). Target date 2026-07-28 reached; move through 2026-08-07 observed. [Market retrospective · Ultra-Short (1–5 days)] Updated observation 2026-08-07: +10.4% from 2026-07-23 (~4.3σ). Target date 2026-07-28 reached; move through 2026-08-07 observed. [Market retrospective · Ultra-Short (1–5 days)] Updated observation 2026-08-13: +10.4% from 2026-07-23 (~4.3σ). Target date 2026-07-28 reached; move through 2026-08-13 observed. [Market retrospective · Ultra-Short (1–5 days)] Updated observation 2026-08-14: +10.4% from 2026-07-23 (~4.3σ). Target date 2026-07-28 reached; move through 2026-08-14 observed. [Market retrospective · Ultra-Short (1–5 days)] Updated observation 2026-08-17: +10.4% from 2026-07-23 (~4.3σ). Target date 2026-07-28 reached; move through 2026-08-17 observed. [Market retrospective · Ultra-Short (1–5 days)] Updated observation 2026-08-18: +10.4% from 2026-07-23 (~4.3σ). Target date 2026-07-28 reached; move through 2026-08-18 observed. [Market retrospective · Ultra-Short (1–5 days)] Updated observation 2026-08-20: +10.4% from 2026-07-23 (~4.3σ). Target date 2026-07-28 reached; move through 2026-08-20 observed. [Market retrospective · Ultra-Short (1–5 days)] Updated observation 2026-08-24: +10.4% from 2026-07-23 (~4.3σ). Target date 2026-07-28 reached; move through 2026-08-24 observed.
Universal Insurance Holdings reported Q2 2026 earnings per share of $1.84, significantly beating the consensus estimate of $1.43 per share. The strong quarterly results were propelled by improved claims trends, a reduced net loss ratio, solid premium growth, and higher investment income. The earnings beat of 28.7% drove strong investor enthusiasm, pushing the stock up over 10% in the session following the release. [Market retrospective · Ultra-Short (1–5 days)] Missed anticipation: +10.4% from 2026-07-23 to 2026-07-27 (~4.3σ vs typical 1d vol). Target evaluation date 2026-07-28 (not yet reached as of 2026-07-27). Confidence 98%. [Market retrospective · Ultra-Short (1–5 days)] Updated observation 2026-07-28: +10.4% from 2026-07-23 (~4.3σ). Target date 2026-07-28 reached; move through 2026-07-28 observed. [Market retrospective · Ultra-Short (1–5 days)] Updated observation 2026-07-29: +10.4% from 2026-07-23 (~4.3σ). Target date 2026-07-28 reached; move through 2026-07-29 observed. [Market retrospective · Ultra-Short (1–5 days)] Updated observation 2026-07-31: +10.4% from 2026-07-23 (~4.3σ). Target date 2026-07-28 reached; move through 2026-07-31 observed. [Market retrospective · Ultra-Short (1–5 days)] Updated observation 2026-08-03: +10.4% from 2026-07-23 (~4.3σ). Target date 2026-07-28 reached; move through 2026-08-03 observed. [Market retrospective · Ultra-Short (1–5 days)] Updated observation 2026-08-04: +10.4% from 2026-07-23 (~4.3σ). Target date 2026-07-28 reached; move through 2026-08-04 observed. [Market retrospective · Ultra-Short (1–5 days)] Updated observation 2026-08-05: +10.4% from 2026-07-23 (~4.3σ). Target date 2026-07-28 reached; move through 2026-08-05 observed. [Market retrospective · Ultra-Short (1–5 days)] Updated observation 2026-08-06: +10.4% from 2026-07-23 (~4.3σ). Target date 2026-07-28 reached; move through 2026-08-06 observed. [Market retrospective · Ultra-Short (1–5 days)] Updated observation 2026-08-06: +10.4% from 2026-07-23 (~4.3σ). Target date 2026-07-28 reached; move through 2026-08-06 observed. [Market retrospective · Ultra-Short (1–5 days)] Updated observation 2026-08-06: +10.4% from 2026-07-23 (~4.3σ). Target date 2026-07-28 reached; move through 2026-08-06 observed. [Market retrospective · Ultra-Short (1–5 days)] Updated observation 2026-08-06: +10.4% from 2026-07-23 (~4.3σ). Target date 2026-07-28 reached; move through 2026-08-06 observed. [Market retrospective · Ultra-Short (1–5 days)] Updated observation 2026-08-06: +10.4% from 2026-07-23 (~4.3σ). Target date 2026-07-28 reached; move through 2026-08-06 observed. [Market retrospective · Ultra-Short (1–5 days)] Updated observation 2026-08-07: +10.4% from 2026-07-23 (~4.3σ). Target date 2026-07-28 reached; move through 2026-08-07 observed. [Market retrospective · Ultra-Short (1–5 days)] Updated observation 2026-08-07: +10.4% from 2026-07-23 (~4.3σ). Target date 2026-07-28 reached; move through 2026-08-07 observed. [Market retrospective · Ultra-Short (1–5 days)] Updated observation 2026-08-07: +10.4% from 2026-07-23 (~4.3σ). Target date 2026-07-28 reached; move through 2026-08-07 observed. [Market retrospective · Ultra-Short (1–5 days)] Updated observation 2026-08-07: +10.4% from 2026-07-23 (~4.3σ). Target date 2026-07-28 reached; move through 2026-08-07 observed. [Market retrospective · Ultra-Short (1–5 days)] Updated observation 2026-08-07: +10.4% from 2026-07-23 (~4.3σ). Target date 2026-07-28 reached; move through 2026-08-07 observed. [Market retrospective · Ultra-Short (1–5 days)] Updated observation 2026-08-13: +10.4% from 2026-07-23 (~4.3σ). Target date 2026-07-28 reached; move through 2026-08-13 observed. [Market retrospective · Ultra-Short (1–5 days)] Updated observation 2026-08-14: +10.4% from 2026-07-23 (~4.3σ). Target date 2026-07-28 reached; move through 2026-08-14 observed. [Market retrospective · Ultra-Short (1–5 days)] Updated observation 2026-08-17: +10.4% from 2026-07-23 (~4.3σ). Target date 2026-07-28 reached; move through 2026-08-17 observed. [Market retrospective · Ultra-Short (1–5 days)] Updated observation 2026-08-18: +10.4% from 2026-07-23 (~4.3σ). Target date 2026-07-28 reached; move through 2026-08-18 observed. [Market retrospective · Ultra-Short (1–5 days)] Updated observation 2026-08-20: +10.4% from 2026-07-23 (~4.3σ). Target date 2026-07-28 reached; move through 2026-08-20 observed. [Market retrospective · Ultra-Short (1–5 days)] Updated observation 2026-08-24: +10.4% from 2026-07-23 (~4.3σ). Target date 2026-07-28 reached; move through 2026-08-24 observed.
- Tue24Feb
Actual outcome: Bull · $35.17 at outcome
Universal Insurance delivered a significant earnings beat of $2.17 per share against a $1.30 estimate, supported by a 3.6% year-over-year increase in direct premiums earned and a 4.7% rise in policies in force. The stock surged past the bull target as investors reacted to the company's disciplined underwriting and successful geographic diversification, which mitigated hurricane risk and earned the stock a Zacks Rank #1 (Strong Buy) designation.
Universal Insurance delivered a significant earnings beat of $2.17 per share against a $1.30 estimate, supported by a 3.6% year-over-year increase in direct premiums earned and a 4.7% rise in policies in force. The stock surged past the bull target as investors reacted to the company's disciplined underwriting and successful geographic diversification, which mitigated hurricane risk and earned the stock a Zacks Rank #1 (Strong Buy) designation.
- Thu15Jan
Actual outcome: Bear · $32.12 at outcome
UVE's 2027 reinsurance program renewal revealed higher-than-expected pricing and elevated attachment points, forcing the company to retain significantly more catastrophe risk. This unfavorable structure heightened concerns over future earnings volatility and pressured return on equity expectations, driving the stock well below the bear floor by the outcome date.
UVE's 2027 reinsurance program renewal revealed higher-than-expected pricing and elevated attachment points, forcing the company to retain significantly more catastrophe risk. This unfavorable structure heightened concerns over future earnings volatility and pressured return on equity expectations, driving the stock well below the bear floor by the outcome date.