UVE Stock Analysis: Buy, Sell, or Hold?
UVE - UNIVERSAL INSURANCE HLDG, INC.
$30.45
0.09 (0.30%)
▲
BUY
HIGH Confidence
Last Updated: January 30, 2026
Earnings: Feb 24, 2026
23d
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1 traders called UVE this week
100% bullish • 0 bearish
100% bullish • 0 bearish
Interactive Price Chart (1 Month)
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Bottom Line:
✅ BUY SIGNAL: UVE shows strong fundamentals and good volume confirmation. Solid entry point despite fair pricing.
✅ BUY SIGNAL: UVE shows strong fundamentals and good volume confirmation. Solid entry point despite fair pricing.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$11.84
Based on -16.6% avg growth
INTRINSIC VALUE TODAY
$7.35
Trading above fair value
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 9.5x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: UVE is currently trading at $30.45, which is considered fair relative to its 30-day fair value range of $29.21 to $32.90. The stock's valuation (Forward PE: 9.1) is in line with its historical norms (9.5). Remarkably, the market is currently pricing in an annual earnings decline of 1.5% over the next few years. This aligns with recent fundamental challenges.
Technical Outlook: Technically, UVE is in a uptrend. The price is approaching resistance at $30.65. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: UVE has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. In the options market, Implied Volatility is low (3th percentile), suggesting options premiums are relatively cheap. This makes it an attractive time for long options strategies if you have a directional bias. Wall Street analysts see significant upside, with an average price target of $40.00 (+31.8%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, UVE is in a uptrend. The price is approaching resistance at $30.65. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: UVE has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. In the options market, Implied Volatility is low (3th percentile), suggesting options premiums are relatively cheap. This makes it an attractive time for long options strategies if you have a directional bias. Wall Street analysts see significant upside, with an average price target of $40.00 (+31.8%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Fair Price Range
$29.21 -
$32.90
Company Quality Score
59/100
(HOLD)
Options IV Signal
3th percentile
(COMPLACENCY WARNING)
Volume Confirmation
HIGH
Confidence Score
86.5%
All Signals
- NEUTRAL: Price in fair range
- BULLISH: Options cheap (IV 3th percentile)
- BULLISH: Strong technical setup (60/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 31.8% below Wall St target ($40.00)
Fair Price Analysis
30-Day Fair Range
$29.21 -
$32.90
Current vs Fair Value
FAIR
Expected Move (7 Days)
±$1.48
(4.9%)
Support & Resistance Levels
Support Level
$28.32
Resistance Level
$30.65
Current Trend
Uptrend
Fundamental Context
Forward P/E (Next Year Est.)
9.09
Wall Street Target
$40.00
(+31.8%)
Revenue Growth (YoY)
3.5%
Profit Margin
7.7%
Valuation Discount vs History
-1.5% cheaper
PE vs Historical
9.1 vs 9.5
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-1.5%
(market-implied from PE analysis)
1-Year Target
$29.90
(-2%)
2-Year Target
$29.46
(-3%)
3-Year Target
$29.01
(-4%)
3-Yr Target (if PE normalizes)
(PE: 9→10)
$30.32
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.3, Growth: -37.2%)
$54.30
(+79%)
Base:
(SPY PE: 9.1, Growth: -37.2%)
$22.13
(-27%)
Bear:
(PE: 7.7, Growth: -37.2%)
$18.81
(-38%)
📈
Valuation based on Current Earnings
Trailing PE: 6.98 | Current EPS (TTM): $4.24
Bull Case
$25.65
(-16%)
Analyst growth -21.2%, PE expands to 7.7
Base Case
$23.32
(-23%)
Market implied -21.2%, PE stable at 7.0
Bear Case
$20.13
(-34%)
Severe decline -20.0%, PE contracts to 5.9
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 9.1 to 9.5
Stabilization Target:
$31.73
(+4.5%)
PE Expansion Potential:
+4.5%
Last updated: January 31, 2026 7:49 AM ET
Data refreshes hourly during market hours. Next update: 8:49 AM
Data refreshes hourly during market hours. Next update: 8:49 AM
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Technical Signals Check
Is UVE showing a specific setup today?
Insider Activity (6 Months)
0
Buys
1
Sells
Net
INSIDERS SELLING
Recent Transactions
Sean P Downes
SELL
20000 shares
2025-09-04
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Advanced UVE Option Strategies
Professional options setups generated by AI based on today's UVE price and gamma walls.
