Is Universal Insurance Holdings, Inc. overvalued or undervalued?

Oct 26 2025 11:07 AM IST
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As of October 24, 2025, Universal Insurance Holdings, Inc. is fairly valued with a P/E ratio of 18 and a 1-year return of 59.45%, outperforming the S&P 500's 16.90%, while its valuation metrics compare competitively to peers like HCI Group and Palomar Holdings.
As of 24 October 2025, the valuation grade for Universal Insurance Holdings, Inc. has moved from attractive to fair. The company appears to be fairly valued based on its current metrics. Key ratios include a P/E ratio of 18, a Price to Book Value of 2.86, and a ROE of 15.79%.

In comparison to peers, HCI Group, Inc. has a P/E of 15.73, while Palomar Holdings, Inc. shows a higher P/E of 21.54, indicating that Universal Insurance is positioned competitively within its industry. Notably, Universal Insurance has outperformed the S&P 500 across multiple periods, with a 1Y return of 59.45% compared to the S&P 500's 16.90%, reinforcing its strong performance in the market.
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