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ACIC vs UVE
Which Stock Would AI Choose? American Coastal Insurance Corporation (ACIC) vs. Universal Insurance Holdings (UVE) Stock Comparison
Key Takeaways
- Two Florida-focused insurers, two very different trajectories: UVE has posted strong relative performance over the past year, while ACIC has lagged and trades near the lower end of its recent range.
- Business mix differs sharply: ACIC is concentrated in commercial residential property coverage, whereas UVE is primarily a personal homeowners insurer diversifying beyond Florida.
- Momentum favors UVE: UVE sits above both its 20-day and 200-day moving averages, while ACIC's trend has been more volatile and less consistent.
- Earnings revisions diverge: UVE has seen analyst estimates move higher in recent weeks, while ACIC has faced downward consensus EPS (earnings per share) revisions.
- Risk profiles differ: Both carry catastrophe exposure, but UVE's multi-year reinsurance coverage and geographic diversification provide a measure of stability ACIC's more concentrated model lacks.
- Valuation is broadly similar on an earnings basis, yet the two names reflect contrasting market sentiment and relative positioning.
Introduction
Investors screening the property and casualty insurance space often encounter two names that, on the surface, look alike: both are Florida-headquartered insurers, both trade at low trailing price-to-earnings multiples, and both are highly sensitive to the state's hurricane and litigation environment. Beneath those similarities, however, ACIC (American Coastal Insurance Corporation) and UVE (Universal Insurance Holdings) have followed meaningfully different paths. This stock comparison is relevant to traders and investors evaluating relative performance, market positioning, and risk trade-offs between a commercial-residential specialist and a diversified personal-lines carrier. Understanding where each name stands today can clarify which better fits a given portfolio objective.
ACIC Overview and Recent Performance
ACIC, formerly United Insurance Holdings, is a property and casualty insurer headquartered in St. Petersburg, Florida, focused primarily on commercial residential property coverage. Recent market activity has been challenging for the stock. Over recent weeks and months, the share price has traded within a relatively wide band and has underperformed the broader market on a year-to-date basis, with a modestly negative 52-week change. Sentiment has been pressured by consecutive quarterly earnings that missed consensus estimates, along with downward revisions to forward EPS expectations. Analysts have noted that revenue is expected to decline modestly over the next couple of years, which contrasts with broader industry growth expectations. A negative beta and a comparatively small float contribute to price moves that can appear disconnected from the wider market. These factors have kept ACIC's trend less consistent than some peers.
UVE Overview and Recent Performance
UVE, Universal Insurance Holdings, is an integrated property and casualty insurer based in Fort Lauderdale, Florida, specializing in personal residential homeowners coverage. The company has experienced notably strong relative performance over the past year, with a 52-week gain well above the market and a meaningful year-to-date advance. Momentum has been supported by earnings that beat consensus, an improving net combined ratio (a key insurance profitability metric measuring losses and expenses against premiums), and the successful completion of a 2026–2027 reinsurance renewal that added multi-year coverage. UVE has also pursued geographic diversification, with direct premiums written outside Florida growing faster than its home-state book. This combination of improving underwriting results, secured reinsurance, and positive estimate revisions has underpinned investor confidence and kept the stock in a more established uptrend.
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Head-to-Head Comparison
The most important contrast between ACIC and UVE is their business focus and growth trajectory. ACIC is concentrated in commercial residential property coverage, giving it a narrower revenue base and greater sensitivity to a single segment of the Florida market. UVE operates across personal homeowners lines and is actively reducing concentration risk by expanding outside Florida. On recent momentum, UVE has clearly led, maintaining a position above key moving averages, while ACIC has shown more choppy, range-bound behavior.
Risk factors also differ. Both companies face hurricane and catastrophe exposure, but UVE's secured multi-year reinsurance program and broader geographic mix provide a more diversified risk profile. ACIC's smaller scale and more concentrated book leave it more exposed to segment-specific shocks. On valuation, both trade at single-digit trailing P/E ratios (price-to-earnings), so neither commands a meaningful earnings premium. The distinction is therefore less about price and more about the consistency of fundamentals and market sentiment, which currently favor UVE.
Tickeron AI Verdict
Based on observable factors, Tickeron's AI would likely favor UVE over ACIC in the current environment. The rationale rests on trend consistency: UVE has sustained an uptrend above both short- and long-term moving averages, whereas ACIC's price action has been more volatile and less directional. UVE also benefits from improving underwriting metrics, positive earnings revisions, and a diversified, reinsured risk profile—catalysts that support relative stability. ACIC, by contrast, faces declining revenue expectations and downward estimate revisions. This assessment is probabilistic rather than definitive, reflecting the relative strength of momentum, catalyst quality, and risk positioning rather than a forecast of future returns.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer.
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is ACIC is a Hold and UVE is a Buy.
ACIC's RSI Indicator leaves overbought zone
The 10-day RSI Oscillator for ACIC moved out of overbought territory on October 23, 2026. This could be a sign that the stock is shifting from an upward trend to a downward trend. Traders may want to look at selling the stock or buying put options. Tickeron's A.I.dvisor looked at 38 instances where the indicator moved out of the overbought zone. In 34 of the 38 cases the stock moved lower in the days that followed. This puts the odds of a move down at 89%.
Technical Analysis (Indicators)
Bearish Trend Analysis
The Momentum Indicator moved below the 0 level on October 29, 2026. You may want to consider selling the stock, shorting the stock, or exploring put options on ACIC as a result. In 73 of 92 cases where the Momentum Indicator fell below 0, the stock fell further within the subsequent month. The odds of a continued downward trend are 79%.
The Moving Average Convergence Divergence Histogram (MACD) for ACIC turned negative on October 29, 2026. This could be a sign that the stock is set to turn lower in the coming weeks. Traders may want to sell the stock or buy put options. Tickeron's A.I.dvisor looked at 46 similar instances when the indicator turned negative. In 35 of the 46 cases the stock turned lower in the days that followed. This puts the odds of success at 76%.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where ACIC declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 78%.
Bullish Trend Analysis
The Stochastic Oscillator shows that the ticker has stayed in the oversold zone for 6 days. The price of this ticker is presumed to bounce back soon, since the longer the ticker stays in the oversold zone, the more promptly an upward trend is expected.
ACIC moved above its 50-day moving average on October 08, 2026 date and that indicates a change from a downward trend to an upward trend.
The 10-day moving average for ACIC crossed bullishly above the 50-day moving average on October 13, 2026. This indicates that the trend has shifted higher and could be considered a buy signal. In 9 of 13 past instances when the 10-day crossed above the 50-day, the stock continued to move higher over the following month. The odds of a continued upward trend are 69%.
Following a +0.99% 3-day Advance, the price is estimated to grow further. Considering data from situations where ACIC advanced for three days, in 204 of 275 cases, the price rose further within the following month. The odds of a continued upward trend are 74%.
ACIC may jump back above the lower band and head toward the middle band. Traders may consider buying the stock or exploring call options.
The Aroon Indicator entered an Uptrend today. In 144 of 172 cases where ACIC Aroon's Indicator entered an Uptrend, the price rose further within the following month. The odds of a continued Uptrend are 84%.
Fundamental Analysis (Ratings)
The Tickeron Seasonality Score of 24 (best 1 - 100 worst) indicates that the company is slightly undervalued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.
The Tickeron Profit vs. Risk Rating rating for this company is 28 (best 1 - 100 worst), indicating low risk on high returns. The average Profit vs. Risk Rating rating for the industry is 50, placing this stock better than average.
The Tickeron Valuation Rating of 33 (best 1 - 100 worst) indicates that the company is slightly undervalued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (1.393) is normal, around the industry mean (-2.070). P/E Ratio (4.874) is within average values for comparable stocks, (9.942). Projected Growth (PEG Ratio) (3.417) is also within normal values, averaging (3.303). ACIC's Dividend Yield (0.299) is considerably higher than the industry average of (0.027). P/S Ratio (1.386) is also within normal values, averaging (1.594).
The Tickeron SMR rating for this company is 33 (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Price Growth Rating for this company is 51 (best 1 - 100 worst), indicating fairly steady price growth. ACIC’s price grows at a lower rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron PE Growth Rating for this company is 80 (best 1 - 100 worst), pointing to worse than average earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
Momentum Indicator for UVE turns positive, indicating new upward trend
UVE saw its Momentum Indicator move above the 0 level on November 10, 2026. This is an indication that the stock could be shifting in to a new upward move. Traders may want to consider buying the stock or buying call options. Tickeron's A.I.dvisor looked at 86 similar instances where the indicator turned positive. In 72 of the 86 cases, the stock moved higher in the following days. The odds of a move higher are at 84%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The Stochastic Oscillator demonstrated that the ticker has stayed in the oversold zone for 1 day, which means it's wise to expect a price bounce in the near future.
The 10-day moving average for UVE crossed bullishly above the 50-day moving average on October 09, 2026. This indicates that the trend has shifted higher and could be considered a buy signal. In 10 of 13 past instances when the 10-day crossed above the 50-day, the stock continued to move higher over the following month. The odds of a continued upward trend are 77%.
Following a +3.09% 3-day Advance, the price is estimated to grow further. Considering data from situations where UVE advanced for three days, in 240 of 312 cases, the price rose further within the following month. The odds of a continued upward trend are 77%.
The Aroon Indicator entered an Uptrend today. In 199 of 289 cases where UVE Aroon's Indicator entered an Uptrend, the price rose further within the following month. The odds of a continued Uptrend are 69%.
Bearish Trend Analysis
The 10-day RSI Indicator for UVE moved out of overbought territory on October 26, 2026. This could be a bearish sign for the stock. Traders may want to consider selling the stock or buying put options. Tickeron's A.I.dvisor looked at 36 similar instances where the indicator moved out of overbought territory. In 25 of the 36 cases, the stock moved lower in the following days. This puts the odds of a move lower at 69%.
The Moving Average Convergence Divergence Histogram (MACD) for UVE turned negative on November 05, 2026. This could be a sign that the stock is set to turn lower in the coming weeks. Traders may want to sell the stock or buy put options. Tickeron's A.I.dvisor looked at 45 similar instances when the indicator turned negative. In 29 of the 45 cases the stock turned lower in the days that followed. This puts the odds of success at 64%.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where UVE declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 59%.
UVE broke above its upper Bollinger Band on October 07, 2026. This could be a sign that the stock is set to drop as the stock moves back below the upper band and toward the middle band. You may want to consider selling the stock or exploring put options.
Fundamental Analysis (Ratings)
The Tickeron Profit vs. Risk Rating rating for this company is 3 (best 1 - 100 worst), indicating low risk on high returns. The average Profit vs. Risk Rating rating for the industry is 50, placing this stock better than average.
The Tickeron SMR rating for this company is 26 (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Valuation Rating of 27 (best 1 - 100 worst) indicates that the company is slightly undervalued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (1.848) is normal, around the industry mean (-2.070). P/E Ratio (5.558) is within average values for comparable stocks, (9.942). Projected Growth (PEG Ratio) (0.070) is also within normal values, averaging (3.303). Dividend Yield (0.015) settles around the average of (0.027) among similar stocks. P/S Ratio (0.784) is also within normal values, averaging (1.594).
The Tickeron Price Growth Rating for this company is 43 (best 1 - 100 worst), indicating steady price growth. UVE’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron Seasonality Score of 50 (best 1 - 100 worst) indicates that the company is fair valued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.
The Tickeron PE Growth Rating for this company is 91 (best 1 - 100 worst), pointing to worse than average earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
ACIC | UVE | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 79 | 72 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 33 Fair valued | 27 Undervalued | |
PROFIT vs RISK RATING 1..100 | 28 | 3 | |
SMR RATING 1..100 | 33 | 26 | |
PRICE GROWTH RATING 1..100 | 51 | 43 | |
P/E GROWTH RATING 1..100 | 80 | 91 | |
SEASONALITY SCORE 1..100 | 24 | 50 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
UVE's Valuation (27) in the Property Or Casualty Insurance industry is in the same range as ACIC (33) in the null industry. This means that UVE’s stock grew similarly to ACIC’s over the last 12 months.
UVE's Profit vs Risk Rating (3) in the Property Or Casualty Insurance industry is in the same range as ACIC (28) in the null industry. This means that UVE’s stock grew similarly to ACIC’s over the last 12 months.
UVE's SMR Rating (26) in the Property Or Casualty Insurance industry is in the same range as ACIC (33) in the null industry. This means that UVE’s stock grew similarly to ACIC’s over the last 12 months.
UVE's Price Growth Rating (43) in the Property Or Casualty Insurance industry is in the same range as ACIC (51) in the null industry. This means that UVE’s stock grew similarly to ACIC’s over the last 12 months.
ACIC's P/E Growth Rating (80) in the null industry is in the same range as UVE (91) in the Property Or Casualty Insurance industry. This means that ACIC’s stock grew similarly to UVE’s over the last 12 months.
| ACIC | UVE | |
|---|---|---|
| RSI ODDS (%) | 1 day ago 89% | 2 days ago 69% |
| Stochastic ODDS (%) | 1 day ago 77% | 2 days ago 73% |
| Momentum ODDS (%) | 1 day ago 79% | 2 days ago 84% |
| MACD ODDS (%) | 1 day ago 76% | 2 days ago 64% |
| TrendWeek ODDS (%) | 1 day ago 78% | 2 days ago 58% |
| TrendMonth ODDS (%) | 1 day ago 72% | 2 days ago 71% |
| Advances ODDS (%) | 23 days ago 74% | 10 days ago 77% |
| Declines ODDS (%) | 3 days ago 78% | 3 days ago 59% |
| BollingerBands ODDS (%) | 1 day ago 73% | 6 days ago 68% |
| Aroon ODDS (%) | 1 day ago 84% | 2 days ago 69% |
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is overvalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
ACIC’s FA Score shows that 3 FA rating(s) are green while UVE’s FA Score has 3 green FA rating(s).
- ACIC’s FA Score: 3 green, 2 red.
- UVE’s FA Score: 3 green, 2 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
ACIC’s TA Score shows that 6 TA indicator(s) are bullish while UVE’s TA Score has 5 bullish TA indicator(s).
- ACIC’s TA Score: 6 bullish, 4 bearish.
- UVE’s TA Score: 5 bullish, 4 bearish.
Price Growth
ACIC (@Property/Casualty Insurance) experienced а -2.66% price change this week, while UVE (@Property/Casualty Insurance) price change was -1.47% for the same time period.
The average weekly price growth across all stocks in the @Property/Casualty Insurance industry was -0.68%. For the same industry, the average monthly price growth was +7.44%, and the average quarterly price growth was +23.32%.
Reported Earning Dates
ACIC is expected to report earnings on Feb 24, 2027.
UVE is expected to report earnings on Feb 25, 2027.
Industries' Descriptions
@Property/Casualty Insurance (-0.68% weekly)Property and casualty companies insure against accidents of non-physical harm, such as lawsuits, damage to personal assets, car crashes and more. Progressive Corporation, Travelers Companies, Inc. and Allstate Corporation are some of the biggest providers of such products.
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ACIC and
Correlation & Price change
A.I.dvisor indicates that over the last year, ACIC has been loosely correlated with CNA. These tickers have moved in lockstep 52% of the time. This A.I.-generated data suggests there is some statistical probability that if ACIC jumps, then CNA could also see price increases.
| Ticker / NAME | Correlation To ACIC | 1D Price Change % | ||
|---|---|---|---|---|
| ACIC | 100% | -0.78% | ||
| CNA - ACIC | 52% Loosely correlated | +0.19% | ||
| UVE - ACIC | 52% Loosely correlated | -0.06% | ||
| DGICA - ACIC | 49% Loosely correlated | -0.11% | ||
| WTM - ACIC | 48% Loosely correlated | -0.89% | ||
| PGR - ACIC | 47% Loosely correlated | +0.77% | ||
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UVE and
Correlation & Price change
A.I.dvisor indicates that over the last year, UVE has been loosely correlated with HRTG. These tickers have moved in lockstep 61% of the time. This A.I.-generated data suggests there is some statistical probability that if UVE jumps, then HRTG could also see price increases.
| Ticker / NAME | Correlation To UVE | 1D Price Change % | ||
|---|---|---|---|---|
| UVE | 100% | +3.64% | ||
| HRTG - UVE | 61% Loosely correlated | +1.64% | ||
| HCI - UVE | 56% Loosely correlated | +1.22% | ||
| DGICA - UVE | 54% Loosely correlated | +1.28% | ||
| HIG - UVE | 53% Loosely correlated | +2.18% | ||
| THG - UVE | 53% Loosely correlated | +2.03% | ||
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