Universal Insurance Holdings, Inc. (UVE) Fair Value 2026

UVE · Insurance - Property & Casualty ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

9.5 /10

32 fundamental signals · 6 models active

Value Trap Risk

SAFE (18/100)

Quick Summary — As of 2026-08-28, Universal Insurance Holdings, Inc. (UVE) trades at $43.43, versus a $33.84 median fair value across its 6 active models — 22.1% below the current price. QOC: 9.5/10. Value Trap Risk: 18/100 (SAFE). 6/13 models active.

Key Facts

Ticker
UVE
Price
$43.43
Quality Score
9.5/10
Value Trap Risk
18/100
Models Active
6/13
Last Updated
Strength: Quality Score of 9.5/10 indicates strong fundamentals
Risk: Majority of models suggest overvaluation

Is Universal Insurance Holdings, Inc. (UVE) Undervalued or Overvalued in 2026?

According to CirclFi’s 6-model valuation engine, Universal Insurance Holdings, Inc. (UVE) appears overvalued as of : the median of 6 independent fair value estimates is $33.84, 22.1% below the current price of $43.43. Estimates range from $18.36 to $111.33. UVE scores 9.5/10 on fundamental quality and 18/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.4% versus its own 13-model consensus, across 3,809 rated companies as of 2026-08-28. UVE’s -22.1% gap is narrower than that market norm, and the Insurance - Property & Casualty sector median is -15.0%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Universal Insurance Holdings, Inc. Stock in 2026? →

What Fair Value Does Each Model Give UVE?

6 Intrinsic Value Models vs. Current Price ($43.43)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $18.36 -57.7%
Ensemble · Low Conviction
 $36.97 -14.9%
Intrinsic · High Conviction
 $19.69 -54.7%
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What Is UVE's Fair Value Range?

Spread across 6 independent models · $18.36 to $111.33

CirclFi's 6 active models place Universal Insurance Holdings, Inc. (UVE) between $18.36 and $111.33 per share, a spread of 275% of the median. The median of that range — $33.84 — is the fair value CirclFi publishes for UVE, against a current price of $43.43.

Low · EPVHigh · ML-RIV
$18.36median $33.84$111.33
Where the range comes from
Most bearish modelEarnings Power Value (EPV)$18.36
Most bullish modelML Residual Income$111.33
Model agreement2 bullish · 4 bearishwide

A band this wide is itself the finding. When independent methods land far apart, they are reading a business whose value depends heavily on which lens you apply — volatile earnings, heavy reinvestment, or an asset base that cash-flow and asset-based methods score differently. That disagreement is information: it says the choice of method matters more than usual for UVE. Treat the median as one reading among several and compare the individual models below before acting.

Every figure above is one model's standalone output on UVE, not a CirclFi price target. How each model works →

What Is Universal Insurance Holdings, Inc. (UVE) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Universal Insurance Holdings, Inc.'s intrinsic value is estimated at a median fair value of $33.84. Trading at $43.43, the stock is approaching fair value or slight overvaluation (implied return of -22.1%), as 4 of 6 models suggest limited further upside. The most optimistic model, ML-RIV, places fair value at $111.33 (+156.3%), while EPV — the most conservative — estimates $18.36 (-57.7%). This +214.1% gap reflects genuine analytical uncertainty about Universal Insurance Holdings, Inc.'s intrinsic worth.

What Do the Models Say About UVE?

6 of 13 models are currently active for UVE. Of these, 2 models suggest upside while 4 models suggest overvaluation. Taken together, their median fair value for UVE is $33.84 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does UVE Rank in Insurance - Property & Casualty?

Among 42 Insurance - Property & Casualty stocks, UVE ranks #6 by Quality of Company score. CirclFi's QOC score of 9.5/10 evaluates 32 fundamental signals. A score of 9.5 places UVE in the top tier.

The Insurance - Property & Casualty sector introduces analytical considerations specific to insurance industry businesses. For Universal Insurance Holdings, Inc., metrics like reserve adequacy provide important context that general-purpose valuation models may underweight.

Is UVE a Value Trap?

CirclFi's Value Trap algorithm assigns UVE a score of 18/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

6 of 13 models are active for Universal Insurance Holdings, Inc.. Moderate coverage provides meaningful perspective. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, Universal Insurance Holdings, Inc. earns a quality score of 9.5/10. This exceptional rating reflects the company's standing across 32 fundamental signals spanning profitability, growth consistency, balance sheet strength, and capital allocation efficiency.

The gap between the most bullish and bearish model spans +214.1% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every UVE valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across UVE's 6 active models, average confidence is 42%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Universal Insurance Holdings, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Insurance - Property & Casualty Stocks Should You Also Analyze?

11 related Insurance - Property & Casualty stocks with 13-model coverage

PLMRPalomar Holdings, Inc.QOC 9.5ALLThe Allstate CorporationQOC 9.2KINSKingstone Companies, Inc.QOC 9.5TRVThe Travelers Companies, Inc.QOC 9.1KNSLKinsale Capital Group, Inc.QOC 9.5HGTYHagerty, Inc.QOC 9.0THGThe Hanover Insurance Group, Inc.QOC 8.8CNACNA Financial CorporationQOC 8.2ROOTRoot, Inc.QOC 7.2HCIHCI Group, Inc.QOC 9.9HRTGHeritage Insurance Holdings, Inc.QOC 9.7

Read investment analysis: PLMR · ALL · KINS · TRV · KNSL · HGTY · THG · CNA · ROOT · HCI · HRTG

Which Other Stocks Have a Similar Quality Score to UVE?

6 companies across all industries closest to UVE’s Quality of Company score of 9.5/10.

HQYHealthEquity, Inc.QOC 9.5NXPINXP Semiconductors N.V.QOC 9.5APPAppLovin CorporationQOC 9.5CRMSalesforce, Inc.QOC 9.5STRLSterling Infrastructure, Inc.QOC 9.5NVDANVIDIA CorporationQOC 10.0

Read investment analysis: HQY · NXPI · APP · CRM · STRL · NVDA

What Else Do Investors Ask About Universal Insurance Holdings, Inc.’s Valuation?

What is Universal Insurance Holdings, Inc.'s intrinsic value in 2026?

CirclFi puts Universal Insurance Holdings, Inc. (UVE)'s intrinsic value at $33.84 — the median of 6 independent model estimates as of 2026-08-28, ranging from $18.36 to $111.33. The Quality of Company score is 9.5/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is UVE overvalued or undervalued right now?

At $43.43, 2 of 6 active models suggest UVE may be undervalued, while 4 indicate potential overvaluation. The median of all 6 fair value estimates is $33.84, 22.1% below the current price of $43.43 — a consensus view that UVE is overvalued. The assessment depends on which methodology best fits Universal Insurance Holdings, Inc.'s business model in Insurance - Property & Casualty.

What does a Quality of Company score of 9.5 mean for UVE?

Universal Insurance Holdings, Inc.'s QOC of 9.5/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on UVE?

CirclFi analyzes UVE with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 6 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on UVE?

Of the 6 models currently active on UVE, ML Residual Income is the most bullish at $111.33 per share, and Earnings Power Value (EPV) is the most bearish at $18.36. CirclFi's published fair value for UVE is the median of that range, $33.84, not either extreme. The gap between the two ends equals 275% of the median — a wide spread, meaning the methods genuinely disagree and the median should carry less weight. Browse stocks by value-trap risk →

Is UVE a value trap in 2026?

Universal Insurance Holdings, Inc.'s Value Trap score is 18/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 6-model valuation engine, Universal Insurance Holdings, Inc. (UVE) has a median fair value of $33.84 — 22.1% below the current price of $43.43 — as of 2026-08-28.” Source: circlfi.com/stock/UVE/ · Methodology
Primary sources for this UVE valuation
  • Financial statements: Universal Insurance Holdings, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0000891166) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for UVE as of ; valuations recomputed .

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