UVE NYSE Week ended 31 Jul 2026

Weekly Investor Report

Universal Insurance Holdings Inc · Financial Services · Insurance - Property & Casualty

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Latest close 43.71 USD
5.4% latest week
Weekly setup

Constructive, but selective

The weekly trend is active. Price is 21.3% above the Trend Line and sits at 94.3% of its 52-week range. The latest completed week returned 5.4%, after a 2.0% four-week move. The latest factor snapshot indicates quality ranks strongly versus its universe; growth ranks strongly; valuation is inexpensive relative to peers. Options positioning is bullish with 40/100 conviction, while the latest news-sentiment score is 61/100. Near-term considerations: price is close to its 52-week high; earnings are due in 81d.

Setup score 70 out of 100
Latest Close 43.71 USD 31 Jul 2026
1W Return 5.4% latest completed week
4W Return 2.0% short-term follow-through
12W Return 10.8% quarterly tape
Trend Breadth 100.0% 52 of 52 weeks active
Volume Ratio 1.3x vs 13-week average
What is working
  • The trend backdrop is active with a 71-week active streak.
  • Price is above the Trend Line, keeping the weekly tape constructive.
  • Price is above Fair Value, showing premium demand versus the model.
  • Activity pressure is positive on the latest completed week.
What could go wrong
  • 4 reversal markers appear in the recent smart-money tape.
What to watch next
  • Price is close to its 52-week high; watch for continuation or exhaustion.
  • Trend Line remains the key weekly regime level.
  • Activity pressure is the gauge to monitor for confirmation or fade.
  • A volume ratio above 1.5x would show stronger participation in the next move.
Price follow-through 5.4% Latest completed week; four-week move 2.0%. Indicator stack 100/57 Trend and activity pressure are weighted against the latest 12-week confirmation window. Trend backdrop Active The trend backdrop defines the current weekly regime. Patient Capital Quiet Activity-pressure buy-signal status for institutional accumulation timing. Options pressure Bullish 40/100 conviction; expected move 8.4%. News sentiment 61/100 58 relevant articles in the latest sentiment read. Event risk 81d Next report is scheduled for 22 Oct 2026; event risk rises as the date approaches.
01 · Price action

Where price is—and whether the trend supports it

The weekly trend is active. Price is 21.3% above the Trend Line and sits at 94.3% of its 52-week range. The latest completed week returned 5.4%, after a 2.0% four-week move.

Study the full chart

52-week price path

Price vs Trend Line and Fair Value
Price Trend Line Fair Value
02 · Volume and demand

Is real participation confirming the move?

Latest weekly volume is 1.3x the 13-week average. Participation is around or above normal and provides reasonable confirmation.

26-week volume confirmation

Bar height shows volume; colour shows the weekly price direction
6 Feb 13 Feb 20 Feb 27 Feb 6 Mar 13 Mar 20 Mar 27 Mar 3 Apr 10 Apr 17 Apr 24 Apr 1 May 8 May 15 May 22 May 29 May 5 Jun 12 Jun 19 Jun 26 Jun 3 Jul 10 Jul 17 Jul 24 Jul 31 Jul
Up week Down week
Demand beneath price

Activity pressure and institutional-style signals

These indicators assess whether participation is improving beneath the headline price move. They are supporting evidence, not proof of institutional buying.

Activity pressure path

Latest 0.8812-week average 0.85

12-week confirmation

Trend active12/12Active trend-backdrop weeks in the latest 12-week window.
Positive pressure12/12Weeks with constructive activity pressure in the latest 12-week window.
Positive leadership12/12Weeks with positive relative leadership in the latest 12-week window.
Activity pressure0.88Current proprietary activity-pressure read.
Buy signals0Accumulation signal count in the latest 12 weeks.
Reversal markers44 reversal markers

No recent accumulation markers. 4 reversal markers.

03 · Momentum and leadership

Is performance persistent—and is the stock leading?

Performance is 2.0% over four weeks, 10.8% over 12 weeks, and 93.5% over one year. The current trend has remained active for 71 consecutive weeks.

Performance by holding period

1W5.4%
4W2.0%
12W10.8%
26W44.8%
52W93.5%
Active trend streak71 weeks
Active weeks in one year52
Trend breadth100.0%

Activity pressure vs relative leadership

Activity pressureRelative leadership
Pressure0.50Latest activity-pressure read.
Pressure change-20.7%Four-week change in activity pressure.
Leadership22.45Latest relative-leadership reading.
RS change-6.7%Four-week change in relative leadership.
04 · Fundamentals and valuation

What investors are paying for—and the quality behind it

The latest factor snapshot indicates quality ranks strongly versus its universe; growth ranks strongly; valuation is inexpensive relative to peers.

Open full factor analysis
Factor week 26 Jul 2026 Financial statements through 30 Jun 2026 Field coverage 100% Model confidence 100%

Relative factor standing

Higher display scores are better. Each score is converted from the underlying universe rank, where rank 1 is best.

Overall factor strength100/100Blend of value, momentum, and quality. Underlying universe rank 1; rank 1 is best.
Value98/100Relative valuation strength. Underlying universe rank 3; rank 1 is best.
Quality93/100Profitability and accounting quality. Underlying universe rank 8; rank 1 is best.
Momentum93/100Medium-term price momentum. Underlying universe rank 8; rank 1 is best.
Growth96/100Revenue and earnings growth. Underlying universe rank 5; rank 1 is best.
How to read this

Quality and valuation are separate questions

A strong company can still carry a demanding valuation. This report shows profitability, growth, balance-sheet strength, and the price paid for those characteristics separately.

Valuation

How much investors are paying for earnings, sales, and cash flow.

P/E
5.3x
Price divided by trailing earnings.
Price / sales
0.7x
Market value relative to trailing revenue.
EV / EBITDA
2.1x
Enterprise value relative to operating cash earnings.
Free-cash-flow yield
58.4%
Free cash flow as a share of enterprise value.

Business quality

Margins and the return generated on invested capital.

Gross margin
16.5%
Gross profit retained from each unit of revenue.
Operating margin
18.3%
Operating profit retained from revenue.
Free-cash-flow margin
23.7%
Free cash flow generated from revenue.
Return on invested capital
188.1%
Operating return generated on invested capital.

Growth and financial strength

Recent business growth and accounting strength.

Revenue growth
3.8%
Latest one-year revenue growth.
EPS growth
231.2%
Latest one-year earnings-per-share growth.
Free-cash-flow growth
-
Latest one-year free-cash-flow growth.
Piotroski F-score
8/9
Nine-point accounting-strength checklist.

Shareholder return and balance sheet

Cash returned to owners and financial leverage.

Dividend yield
1.9%
Cash dividends relative to market value.
Buyback yield
1.9%
Net share repurchases relative to market value.
Shareholder yield
3.8%
Dividend yield plus net buyback yield.
Net debt / EBITDA
-1.6x
Balance-sheet debt relative to operating cash earnings.
05 · Ownership, options, and sentiment

What other market participants are doing

Options, insider transactions, market sentiment, and activity-pressure signals can confirm or challenge the price story. None should be used alone.

Options positioningBullish

UVE shows bullish options pressure with a 40/100 conviction score, put-call volume ratio of 0.56, expected move of 8.4%, and Sharemaestro trend signal active.

Conviction40/100
Expected move8.4%
Put/call volume0.56
Pressure36
Speculation8
Volatility60
Trend agreement64
Open options detail
Insider activity9 / 8

9 acquisitions and 8 disposals in the latest 180-day insider tape.

Acquisitions / disposals over the latest 180 days. Insider activity is context, not a stand-alone signal.
News sentiment61/100

Weighted news tone is neutral across 58 relevant articles.

29 positive · 27 neutral · 2 negative
Patient CapitalQuiet

Activity-pressure buy-signal evidence highlights potential institutional accumulation windows.

No recent buy signal
06 · Catalysts and risk

What can move the shares—and how volatile the path has been

Event timing, options-implied movement, drawdown, and weekly return distribution frame the risk around the current setup.

Next earnings81dNext report is scheduled for 22 Oct 2026; event risk rises as the date approaches.
Options expected move8.4%Nearest-chain priced movement where available.
52-week drawdown-2.8%Distance below the 52-week high.
13-week volatility4.3%Standard deviation of weekly returns.

Weekly gains and losses

Latest 26 completed weeks

Each bar is one week. Gains rise above the zero line; losses fall below it. Taller bars mean a larger weekly move.

Weeks higher16 of 2610 weeks finished lower.
Best week+13.0%Week of 27 Feb.
Worst week-7.7%Week of 17 Jul.
Latest week+5.4%Week of 31 Jul.

Shape of recent returns

Strong gains7
Modest gains9
Flat weeks0
Modest losses8
Sharp losses2
Recent vol4.3%13-week weekly-return volatility.
Base vol4.6%52-week weekly-return volatility.
Up/down split31/21Count of positive and negative weeks in the 52-week window.
Average skew4.2% / -2.8%Average positive week versus average negative week.
07 · Sector and peer context

Is this stock leading—or simply moving with its group?

Sector and industry breadth distinguish company-specific strength from a broad group move.

08 · Evidence and weekly data

The underlying research record

Every top-level statement above should be traceable to a stored market, fundamental, event, or positioning observation.

Weekly tape72/100

Trend, activity pressure, participation, and risk combine to a 72/100 tape read.

 Indicator analysis81/100

Latest 12-week confirmation: trend 12/12, activity pressure 12/12, relative leadership 12/12.

Activity pressure 0.88; 4 reversal markers Factors95/100

O'Shaughnessy factor stack blends value, quality, momentum, and confidence.

Cornerstone Growth rank 7; Buyback Yield rank 24; Small Cap Core rank 6 Patient CapitalQuiet

Activity-pressure buy-signal evidence highlights potential institutional accumulation windows.

No recent buy signal Options60/100

UVE shows bullish options pressure with a 40/100 conviction score, put-call volume ratio of 0.56, expected move of 8.4%, and Sharemaestro trend signal active.

Bullish · Call-side pressure · Expected move 8.4% Sentiment61/100

Weighted news tone is neutral across 58 relevant articles.

Universal Insurance Holdings (UVE) Stock Price Masks A Stronger Underwriting Story Insiders9 / 8

9 acquisitions and 8 disposals in the latest 180-day insider tape.

 Earnings81d

Next report is scheduled for 22 Oct 2026; event risk rises as the date approaches.
WeekCloseReturnTrend LineFair ValuePressureLeadershipVolumeTrend
31 Jul 202643.71 USD5.4%36.05 USD23.47 USD0.5022.451.3MOn
24 Jul 202641.46 USD6.9%35.64 USD23.27 USD0.6118.461.0MOn
17 Jul 202638.77 USD-7.7%35.37 USD23.09 USD0.8811.051.3MOn
10 Jul 202642.00 USD-2.0%35.20 USD22.94 USD0.8419.051.0MOn
3 Jul 202642.85 USD4.6%34.89 USD22.75 USD0.6324.061.1MOn
26 Jun 202640.98 USD7.6%34.49 USD22.56 USD0.3622.051.5MOn
19 Jun 202638.10 USD0.4%34.21 USD22.39 USD0.1011.33545.4KOn
12 Jun 202637.95 USD1.6%34.03 USD22.23 USD0.3412.26893.6KOn
5 Jun 202637.34 USD0.9%33.90 USD22.09 USD0.5411.44822.4KOn
29 May 202637.02 USD-5.0%33.75 USD21.94 USD0.887.97639.3KOn
22 May 202638.98 USD0.6%33.53 USD21.79 USD1.2215.51830.6KOn
15 May 202638.75 USD-1.7%33.28 USD21.63 USD1.3716.20902.6KOn
8 May 202639.44 USD-0.3%32.91 USD21.47 USD1.3218.951.2MOn
1 May 202639.54 USD0.6%32.54 USD21.31 USD1.0222.481.6MOn
How to use this report

This is a completed-week research summary. It explains the available evidence and its conflicts; it does not predict a guaranteed outcome or replace your own risk assessment. Fundamental figures may refer to an earlier financial reporting period, which is shown above.