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Ken GriffinReduced
Citadel Advisors · Q2 2026
$1.14M
27.59K shares · 0.0% of portfolio
Universal Insurance Holdings Inc
Universal Insurance Holdings Inc (UVE) is listed on NYSE and classified in Insurance - Property & Casualty, part of the Financial Services sector. It is headquartered in Fort Lauderdale, United States and has 929 employees. The company is worth $1.35B and trades at 6.4x its earnings of the last twelve months; the median for its sector is 13.2x. Revenue was $1.6B in fiscal 2025, up 5.5% from the year before. Net income was $182.95M. The share price is within 3% of its 52-week high. It pays a dividend yielding 1.32%. 6 of the 38 superinvestors we track held it at the end of Q2 2026. The largest position belongs to Two Sigma (Two Sigma Investments), at $24.77M. In that quarter, 2 of them opened or added to the position and 3 reduced it. No open-market insider trades in it were filed over the last 30 days.
Written from the data on this page: SEC filings (13F, Form 4, annual reports) and market prices.
Year by year, from the annual reports; dividends from the payments themselves.
Bars are year-end balances; lines are what happened during the year.
Major managers that reported this stock in their latest 13F.
▲ +212.7% over 5Y.
today you would have $3,932.48▲ +293.2%
Dividends reinvested, splits accounted for. Past prices say what happened, not what will.
The last 17 closed years, each at that year’s closing price and reported numbers.
| Indicator | Median | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Year-end price | $33.80 | $21.06 | $15.98 | $10.59 | $17.00 | $15.11 | $27.99 | $37.92 | $27.35 | $28.40 | $23.18 | $20.45 | $14.48 | $4.38 | $3.58 | $4.87 | $5.87 | |
| P/E |
Seven formulas applied to the reported numbers, each with its assumption next to the result. None of them predicts a price.
Square root of 22.5 × earnings × book value. Blind to intangibles, so it undervalues software and brands.
Earnings growing 25.0% a year plus a 1.3% dividend yield. Growth capped at 25%.
Median P/E of 13.2 among peers in the sector.
Median P/E of 9.2 across this company’s own years on record.
Cash flow growing 15.0% a year for 10 years, discounted at 10%, then 2.5% forever.
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
Companies of similar size in Financial Services, for comparison. The columns are the same ones above, in the same order.
| Stock | Price | P/E | P/B | Dividend yield | ROE | Market cap |
|---|---|---|---|---|---|---|
| CTBICommunity Trust Bancorp Inc | $75.08 | 12.6x | 1.5x | 3.46% | 12.72% | $1.36B |
| FMBHFirst Mid Bancshares Inc | $49.73 | 12.3x | 1.2x | 2.09% | 10.05% | $1.32B |
| PEBOPeoples Bancorp Inc | $38.19 | 11.5x | 1.1x | 4.40% | 10.06% | $1.37B |
| ATLCAtlanticus Holdings Corp |
| 9.2x |
| 5.3x |
| 10.5x |
| 7.2x |
| — |
| 26.2x |
| 25.2x |
| 20.6x |
| 11.6x |
| 9.1x |
| 10.2x |
| 7.8x |
| 9.8x |
| 9.3x |
| 5.8x |
| 7.2x |
| 5.4x |
| 8.3x |
| P/S | 0.8x | 0.6x | 0.4x | 0.3x | 0.3x | 0.5x | 0.4x | 1.0x | 1.6x | 1.3x | 1.5x | 1.5x | 2.0x | 1.7x | 0.7x | 0.6x | 0.8x | 1.1x |
| P/B | 1.7x | 1.7x | 1.6x | 1.4x | 1.1x | 1.2x | 1.0x | 1.9x | 2.6x | 2.2x | 2.7x | 2.8x | 3.6x | 2.9x | 1.1x | 1.0x | 1.4x | 2.1x |
| EPS | $6.32 | $2.01 | $2.22 | -$0.72 | $0.65 | $0.60 | $1.36 | $3.27 | $2.99 | $2.79 | $2.97 | $2.08 | $1.56 | $0.75 | $0.50 | $0.91 | $0.71 |
| Dividend yield | 3.66% | 2.28% | 3.66% | 4.82% | 7.27% | 4.53% | 5.10% | 2.75% | 1.93% | 2.52% | 2.43% | 2.72% | 2.69% | 3.38% | 7.76% | 8.94% | 6.57% | 9.20% |
| Payout | 34.92% | 12.18% | 38.31% | 34.68% | — | 118.46% | 128.33% | 56.62% | 22.32% | 23.08% | 24.73% | 21.21% | 26.44% | 31.41% | 45.33% | 64.00% | 35.16% | 76.06% |
| Profit margin | 11.41% | 11.41% | 3.88% | 4.80% | -1.82% | 1.82% | 1.78% | 4.95% | 14.21% | 14.22% | 14.51% | 19.48% | 19.77% | 19.58% | 11.23% | 8.90% | 15.41% | 13.67% |
| ROE | 23.33% | 33.20% | 15.79% | 19.58% | -7.73% | 4.75% | 4.25% | 9.42% | 23.33% | 24.30% | 26.78% | 36.33% | 36.51% | 33.58% | 18.54% | 13.41% | 26.46% | 25.41% |
Median of the years shown; P/E years above 200x are left out.
The average of the method families that answered, not of the seven numbers: four of the seven start from the same earnings per share.
5 methods answered, across 2 families.
Room for errors in the reported numbers.
+498.6% from the average.
Models, not forecasts, and not investment advice. How each formula works →
| $91.53 |
| 11.9x |
| 2.0x |
| 0.00% |
| 22.97% |
| $1.39B |
| ASICAtegrity Specialty Insurance Co Holdings | $27.25 | 12.7x | 2.0x | 0.00% | 18.59% | $1.31B |
| TRUPTrupanion Inc | $29.91 | 53.4x | 3.2x | 0.00% | 6.07% | $1.3B |