Stocks股票 / Financials / UVE

Universal Insurance Holdings Inc · Financials

UVE US listed · USD美股 · 美元

Financials Russell 2000罗素2000
$48.50
Regular quote常规时段报价
+$0.94 · +1.98%
Extended quote unavailable. Showing the regular quote.盘前盘后报价暂不可用，现显示常规时段报价。
52w low52周低 $28.08high高 $49.38
Extended — wait for a pullback过度拉伸 — 等待回撤 Stretched/late — protect gains and don't start new positions; let the next low set up first.已拉伸／晚期——保护利润，不要新开仓；先等下一个低点构筑成形。 As of 2026-11-01截至 2026-11-01

Company news公司新闻

The latest reporting最新报道

One story, with the reporting behind it.将同一事件汇总，保留各来源报道。

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Company intelligence公司情报

The latest call, in context把最新财报放回历史脉络

A synthesized event record across management commentary and recorded metrics. Read as context; verify exact wording in the transcript before relying.综合管理层表述与记录指标形成事件档案。仅供参考；使用前请在电话会原文中核对准确措辞。

Checking latest record正在检查最新记录

Live company record实时公司记录

JavaScript loads the source-bounded event record here. Open Terminal if the live module does not start.JavaScript 会在此加载受来源约束的事件记录。如实时模块未启动，请打开终端。

Continue with full transcript history继续查看完整电话会历史 ↗

Price chart价格图表

daily · interactive日线 · 可交互 Open in Terminal打开终端 ↗
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The interactive chart could not load here.互动图表暂时无法在此加载。 Open the live chart in Terminal在终端中打开实时图表 ↗
Candles, volume and moving averages — pan and zoom inside the chart.蜡烛图、成交量与均线 — 图内可缩放拖动。 MMastermind Terminal — live & interactiveMastermind 终端 — 实时互动 ↗

Technicals技术面

daily bars日线数据 · 2026-11-01
Momentum (RSI 14)动量（RSI 14） 62
Elevated偏高
vs 50-day average相对50日均线 +8.2% above上方 Uptrend intact趋势完好
vs 200-day average相对200日均线 +25.0% above上方 Long trend up长期向上
Volatility波动率 46th percentile第46百分位
These readings feed the stance at the top — one source per number, refreshed nightly.以上读数构成页首的引擎立场 — 每个数字只有一个来源，每晚更新。

Earnings财务业绩

Financials财务数据

fiscal years财年
Revenue营业收入 $1.6B2025
20202025
5-yr growth5年复合增速 8.4%
Earnings per share每股收益 $6.322025
20202025
5-yr growth5年复合增速 60.1%
Free cash flow自由现金流 $377.1M2025
20202025
Net margin净利率
11.4%
FCF margin自由现金流利润率
23.8%
Balance-sheet quality财务体质 6/7 Return on equity股本回报率 33% Clean稳健

Capital allocation资本配置

Stock-based comp股权薪酬$8.7M
Share count change (1y)股数变化（1年）-0.3%

Debt coming due到期债务

FY2025 10-K

In the 12-month bucket following fiscal period end 2025-12-31, it reported $101.1M due — about 100% of its disclosed principal.在财年期末 2025-12-31 之后12个月的区间内，已披露到期本金为 $101.1M，约占其披露本金的 100%。

All maturity buckets are measured from fiscal period end 2025-12-31, not from today.所有到期区间均从财年期末 2025-12-31 起算，而非从今天起算。

First 12 months after period end报告期末之后首12个月 $101.1M
Year 2第2年 $0
Year 3第3年 $0
Year 4第4年 $0
Year 5第5年 $0
After year 55年以后 $0

Cash reported at 2025-12-31: $408868000.截至 2025-12-31 披露的现金：$408868000。 Operating cash flow exceeded or equaled equipment spending over 2025-01-01 to 2025-12-31; no cash burn to measure.在 2025-01-01 至 2025-12-31 期间，经营现金流不低于设备支出，无可衡量的现金消耗。

Cash reported at 2025-12-31 covers 404% of issuer-reported principal in the 12-month bucket following that fiscal period end.截至 2025-12-31 披露的现金可覆盖该财年期末之后12个月区间内发行人已披露到期本金的 404%。

Cash shortfall against that reported principal: $0相对该已披露本金的现金缺口：$0。

Sources and cash-flow calculation来源与现金流计算

Figures are XBRL facts from one filing — no two years are mixed. Filing数据取自同一份文件中的 XBRL 事实，不跨文件拼接。文件 0000891166-26-000010, period ending报告期截至 2025-12-31, unit单位 USD. Cache acquired缓存获取时间: 2026-10-05T09:39:27.048450+00:00. 6/6 buckets reported.个区间有披露。

  • LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths
  • LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo
  • LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree
  • LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour
  • LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive
  • LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive

Annual period年度区间 2025-01-01 — 2025-12-31 · USD · 10-K · 0000891166-26-000010 · Filed提交日期 2026-02-27.

Cache acquired缓存获取时间: 2026-10-05T09:39:27.048450+00:00 · Evaluated as of评估截至 2026-11-01.

  • Reported operating cash flow已披露经营活动现金流: $381493000
  • Reported equipment spending (capex outflow)已披露设备支出（资本开支流出）: $4438000
  • Derived free cash flow (operating cash flow minus capex)计算所得自由现金流（经营现金流减资本开支）: $377055000

Cash is the reported balance at period end. The runway scenario holds this annual cash-flow pace constant and excludes debt payments, restricted-cash adjustments and future financing.现金为期末已披露余额。现金跑道情景假设本年度现金流速度保持不变，不包括债务偿还、受限现金调整与未来融资。

Research context only — reported figures from SEC filings, not a rating, a signal or investment advice.仅供研究参考 — 数据摘自 SEC 文件披露口径，不构成评级、信号或投资建议。

Why is it moving为何波动

6 checks · nightly六项检查 · 每晚
Positioning持仓 Insider cluster activity内部人集中交易
Technical技术面 UVE StochRSI turned up from oversoldUVE StochRSI自超卖区上行

Ownership & smart money持仓与聪明钱

13F

Insider activity:内部人动向： -$4.5M net (0 buyers, 4 sellers)-$4.5M 净值（0 买家，4 卖家）

Signal history信号历史

engine events引擎事件
UPTREND → NEARING A HIGH上涨趋势 → 接近高点 TAKE PROFITS. Late in the daily cycle (day 22 of ~23-44) — odds favor a dip into the next cycle low from here even with the trend intact. Last cycle was left-translated (topped early) — a bearish structural tell止盈。处于日线周期晚期（约 23-44 天中的第 22 天）——即便趋势完好，从此处概率上仍倾向于回落至下一个周期低点。 上一周期为左移结构（见顶偏早）——属于看空的结构性信号
Oct 30, 2026
UVE StochRSI turned up from oversoldUVE StochRSI自超卖区上行
StochRSI popped back above 20 — the earliest oscillator heads-up that downside momentum is easing. $48.50.StochRSI重回20上方 — 下行动量趋缓的最早预警。$48.50。
Oct 29, 2026
UVE took relative-strength leadershipUVE 取得相对强弱领先
Relative strength vs SPY crossed above the 90th percentile of the last 90 days — leadership tends to persist. $47.56.相对标普500的强弱上穿近90日的第90百分位 — 领先往往延续。$47.56。
Oct 28, 2026
UVE daily MACD crossed downUVE 日线MACD下穿
The daily MACD histogram turned negative — fast and noisy, context rather than a standalone trigger. $45.98.日线MACD柱状图转负 — 快速且嘈杂，仅作背景。$45.98。
Oct 22, 2026
UVE made a new 52-week highUVE 创52周新高
Price reached a fresh 52-week high — a momentum / trend extreme the whole market watches. $48.40.价格创出52周新高 — 全市场关注的动量/趋势极值。$48.40。
Oct 22, 2026
UVE RSI reached overboughtUVE RSI进入超买
RSI(14) crossed above 70 — stretched to the upside; context, not a timing trigger alone. $48.40.RSI(14)上穿70 — 上行过度；仅作背景，单独不构成择时。$48.40。
Oct 20, 2026
UVE made a new 52-week highUVE 创52周新高
Price reached a fresh 52-week high — a momentum / trend extreme the whole market watches. $47.89.价格创出52周新高 — 全市场关注的动量/趋势极值。$47.89。
Oct 16, 2026
UVE weekly MACD crossed upUVE 周线MACD上穿
The weekly MACD histogram turned positive — the slower, less-whippy momentum read.周线MACD柱状图转正 — 更慢、更少来回的动量信号。
Oct 16, 2026
UVE made a new 52-week highUVE 创52周新高
Price reached a fresh 52-week high — a momentum / trend extreme the whole market watches. $47.12.价格创出52周新高 — 全市场关注的动量/趋势极值。$47.12。
Oct 14, 2026
BUY ZONE → BOTTOMING买入区 → 筑底中
BUY SETUP买入预备
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Company profile公司档案

The whole US universe — S&P 1500 and Russell 2000 — read nightly.覆盖标普1500与罗素2000全部成分股 — 每晚更新解读。

Signals, options positioning, smart-money moves and factor DNA — the same engine that wrote this page covers 2,700+ US stocks.信号、期权持仓、聪明钱动向与因子基因 — 撰写本页的引擎覆盖2700多只美股。

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Research context only — not investment advice. Past patterns do not guarantee future results.仅供研究参考，不构成投资建议。历史规律不代表未来表现。

Data through数据截至 2026-11-01 · regenerated nightly每晚更新 · Generated生成于 2026-11-01 20:40 UTC · All coverage所有股票 · Analyzer分析器