First read for a new ticker takes about 20–30 seconds while we build the analysis from the latest fundamentals, estimates, and intelligence. It's saved after this, so future visits are instant.
★ Analysts see FY2026 revenue reaching $2.2B — +39.8% growth in a single year.
What Moves the Stock
1Catastrophic weather events (named hurricanes making Florida landfall, severe convective storm frequency) driving loss ratio volatility and reinsurance cost changes
2Florida regulatory rate decisions from OIR affecting ability to achieve rate adequacy and maintain underwriting margins
3Reinsurance market pricing and capacity availability impacting cost of risk transfer and net retention levels
4Policy count growth or contraction in Florida homeowners market as competitors enter/exit or Citizens depopulation programs shift policies to private market
5Investment portfolio yield changes as fixed-income securities reprice with interest rate movements affecting investment income
6Homeowners insurance premiums (estimated 75-80% of direct written premium) concentrated in Florida coastal and inland markets
7Dwelling fire and rental property coverage (estimated 10-15% of DWP) for non-owner occupied properties
8Flood insurance through NFIP Write-Your-Own program and private flood products (estimated 5-10% of revenue)
value - The stock trades at 0.6x P/S and 1.8x P/B with 14.8% FCF yield, attracting value investors seeking discounted insurance franchises…
Rising interest rates positively impact investment income as the fixed-income portfolio (estimated $800M-$1B based on typical P&C insurer…
Watch on earnings: Named storm activity in Atlantic basin and Florida landfall probability during June-November hurricane season, Florida Office of Insurance Regulation rate filing approvals and average approved rate change percentages, Reinsurance market pricing indices (Guy Carpenter Rate-on-Line Index, Aon Reinsurance Aggregate) indicating cost trends.
One Sentence Summary:
Universal Insurance: the story is balanced — catastrophic weather events (named hurricanes making florida landfall, severe convective storm frequency) driving loss ratio volatility.
Auto-composed from Stock Alarm intelligence, financial statements, and analyst estimates. Not investment advice.