Is UNIVERSAL INSURANCE HOLDINGS, INC. (UVE) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Insurance - Property & Casualty | ✗ NOT HALAL | |||
| DJIM | Excluded — Insurance - Property & Casualty | ✗ NOT HALAL | |||
| MSCI | Excluded — Insurance - Property & Casualty | ✗ NOT HALAL | |||
| S&P | Excluded — Insurance - Property & Casualty | ✗ NOT HALAL | |||
| FTSE | Excluded — Insurance - Property & Casualty | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 22.9% | |
| Operating Margin | 22.1% | |
| Net Margin | 11.4% | |
| Return on Equity (ROE) | 39.6% | |
| Return on Assets (ROA) | 5.5% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $381M |
| Free Cash Flow | $377M |
| Total Debt | $100M |
| Debt-to-Equity | 18.2 |
| Current Ratio | 0.6 |
| Total Assets | $2.8B |
Price & Trading
| Last Close | $34.13 |
| 50-Day MA | $32.38 |
| 200-Day MA | $29.33 |
| Avg Volume | 196K |
| Beta | 0.7 |
|
52-Week Range
$20.83
| |
About UNIVERSAL INSURANCE HOLDINGS, INC. (UVE)
Universal Insurance Holdings, Inc., together with its subsidiaries, operates as an integrated insurance holding company in the United States. The company offers insurance products for personal residential insurance, such as homeowners, renters and tenants, condo unit owners, and dwelling and fire; and allied lines, coverage for other structures, and personal property, liability, and personal articles coverages. It also advises on actuarial issues, oversees distribution, administers claims payments, performs policy administration and underwriting, and assists with reinsurance negotiations; evaluates insurance risk and exposures on an individual and portfolio basis and assists the insurance entities with pricing risks; places and manages its reinsurance programs; and operates its digital insurance agency, Clovered.com. It offers its products through its independent agency network, direct-to-consumer online distribution, and digital insurance agency platform. The company was formerly known as Universal Heights, Inc. and changed its name to Universal Insurance Holdings, Inc. in January 2001. Universal Insurance Holdings, Inc. was incorporated in 1990 and is headquartered in Fort Lauderdale, Florida.
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Frequently Asked Questions
Is UNIVERSAL INSURANCE HOLDINGS, INC. (UVE) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), UNIVERSAL INSURANCE HOLDINGS, INC. is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is UNIVERSAL INSURANCE HOLDINGS, INC.'s debt ratio?
UNIVERSAL INSURANCE HOLDINGS, INC.'s debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are UNIVERSAL INSURANCE HOLDINGS, INC.'s key financial metrics?
UNIVERSAL INSURANCE HOLDINGS, INC. has a market capitalization of $944M, trailing P/E ratio of 5.3, and revenue of $1.6B. The company maintains a gross margin of 22.9% and a net margin of 11.4%. Return on equity stands at 39.6%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.