Group 1: SCOR SE (SCRYY) - SCOR SE is a reinsurance company with a Zacks Rank 1 [1] - The Zacks Consensus Estimate for SCOR SE's next year earnings has increased by 6% over the last 60 days [1] - The company has a price-to-earnings ratio (P/E) of 6.15, which is lower than the industry average of 8.80 [1] - SCOR SE possesses a Value Score of A [1] Group 2: Universal Insurance Holdings, Inc. (UVE) - Universal Insurance Holdings, Inc. is an insurance holding company with a Zacks Rank 1 [2] - The Zacks Consensus Estimate for Universal Insurance's current year earnings has increased by 63.8% over the last 60 days [2] - The company has a price-to-earnings ratio (P/E) of 6.59, compared to the industry average of 12.80 [2] - Universal Insurance possesses a Value Score of A [2]

Core Insights - Universal Insurance Holdings (UVE) reported quarterly earnings of $1.36 per share, exceeding the Zacks Consensus Estimate of $1.1 per share, and a significant improvement from a loss of $0.73 per share a year ago [1] - The company achieved an earnings surprise of +23.64% and has surpassed consensus EPS estimates in all four quarters over the past year [2] - Revenues for the quarter reached $400.98 million, surpassing the Zacks Consensus Estimate by 9.45% and showing growth from $387.55 million in the same quarter last year [3] Earnings Performance - The earnings surprise of +23.64% indicates strong performance relative to expectations [2] - The company has consistently outperformed consensus revenue estimates over the last four quarters [3] Stock Performance - Universal Insurance shares have increased approximately 35.9% since the beginning of the year, significantly outperforming the S&P 500's gain of 13.9% [4] - The stock currently holds a Zacks Rank 2 (Buy), suggesting it is expected to outperform the market in the near future [7] Future Outlook - The current consensus EPS estimate for the upcoming quarter is $0.58 on revenues of $372.13 million, and for the current fiscal year, it is $4.34 on revenues of $1.53 billion [8] - The insurance industry, particularly the Property and Casualty sector, is currently ranked in the top 16% of Zacks industries, indicating a favorable outlook [9] Competitor Insights - Allstate (ALL), a competitor in the same industry, is expected to report quarterly earnings of $6.73 per share, reflecting a year-over-year increase of +72.1% [10] - Allstate's anticipated revenues are projected to be $17.35 billion, up 5.9% from the previous year [11]

Financial Performance - Universal Insurance Holdings reported diluted GAAP earnings per share (EPS) of $1.38 and diluted adjusted EPS of $1.36 for Q3 2025, compared to a net loss of $0.57 in the prior year quarter[4] - The company achieved a 30.6% annualized adjusted return on common equity (ROCE) and a 33.4% annualized ROCE for the quarter, significantly improving from a loss of 16.3% in the prior year[4] - Net income available to common stockholders was $39.8 million, a turnaround from a net loss of $16.2 million in the prior year quarter[6] - The net income for the three months ended September 30, 2025, was $39.830 million, a significant recovery from a net loss of $16.163 million in the same period of 2024[26] - GAAP net income for Q3 2025 was $39.830 million, a significant recovery from a loss of $16.163 million in Q3 2024, with adjusted net income available to common stockholders at $39.110 million compared to a loss of $20.805 million in the prior year[33] - The diluted earnings per common share increased to $1.38 in Q3 2025 from a loss of $0.57 in Q3 2024, reflecting improved profitability[33] Revenue and Premiums - Total revenues for Q3 2025 were $401.0 million, up 3.5% year-over-year, while core revenue increased by 4.9% to $400.0 million[7] - Direct premiums written reached $592.8 million, reflecting a 3.2% increase from the prior year quarter, with a notable 22.2% growth in other states[8] - Net premiums earned rose to $359.676 million in Q3 2025, up from $345.736 million in Q3 2024, contributing to a total of $1.075590 billion for the nine months ended September 30, 2025, compared to $1.024719 billion for the same period in 2024[30] - Total revenues for the three months ended September 30, 2025, were $400.981 million, an increase from $387.554 million in the same period of 2024, representing a growth of 3.7%[26] Underwriting Performance - The combined ratio improved to 96.4%, down 20.5 points compared to the prior year quarter, indicating better underwriting performance[13] - The combined ratio improved to 96.4% in Q3 2025 from 116.9% in Q3 2024, indicating better underwriting performance[30] - The net loss ratio improved to 70.2%, down 21.5 points from the prior year quarter, attributed to the absence of significant hurricane activity[12] Assets and Liabilities - Total assets as of September 30, 2025, amounted to $3.089645 billion, an increase from $2.841861 billion as of December 31, 2024, indicating a growth of 8.7%[24] - The total liabilities increased to $2.594602 billion as of September 30, 2025, from $2.468611 billion as of December 31, 2024, representing a rise of 5.1%[24] - The company’s retained earnings increased to $699.448 million as of September 30, 2025, up from $596.853 million at the end of 2024, showing a growth of 17.2%[24] Shareholder Returns - The company repurchased approximately 347 thousand shares at a cost of $8.1 million during the quarter, with $7.1 million remaining under the current share repurchase authorization[14] - Book value per share increased by 24.7% year-over-year to $17.65, while adjusted book value per share rose by 18.9% to $18.74[4] - The book value per common share improved to $17.65 as of September 30, 2025, up from $14.15 a year earlier, indicating stronger equity position[34] Cash and Investments - Net investment income was $18.3 million, up from $15.4 million in the prior year quarter, driven by higher fixed income reinvestment yields[10] - Cash and cash equivalents increased to $405.114 million as of September 30, 2025, compared to $259.441 million as of December 31, 2024, reflecting a growth of 56.2%[24] Strategic Focus - The company plans to continue focusing on risk mitigation strategies to enhance financial stability and profitability amid potential catastrophic events and climate change impacts[22] Customer Metrics - Total policies in force increased to 883,888 as of September 30, 2025, compared to 844,539 a year earlier, indicating growth in customer base[30] - Total insured value rose to $385.003 million in Q3 2025 from $347.996 million in Q3 2024, reflecting an increase in coverage[30]

Core Insights - The article emphasizes the effectiveness of the Zacks Rank system in identifying winning stocks through earnings estimates and revisions [1] - Value investing is highlighted as a popular and successful strategy across various market conditions, focusing on undervalued stocks using fundamental analysis [2] Company Analysis: Donegal Group (DGICA) - DGICA holds a Zacks Rank of 1 (Strong Buy) and an A for Value, indicating strong investment potential [4] - The stock has a P/E ratio of 9.36, significantly lower than the industry average of 27.19, suggesting it may be undervalued [4] - DGICA's Forward P/E has fluctuated between 9.13 and 18.88 over the past year, with a median of 14.42 [4] - The P/B ratio for DGICA is 1.16, compared to the industry average of 1.53, indicating a favorable valuation [5] - The P/S ratio stands at 0.7, well below the industry average of 1.22, reinforcing the perception of undervaluation [6] - DGICA's P/CF ratio is 6.98, significantly lower than the industry average of 12.67, suggesting strong cash flow relative to its market value [7] Company Analysis: Universal Insurance Holdings (UVE) - UVE is rated 2 (Buy) with a Value score of A, indicating solid investment potential [8] - The P/B ratio for UVE is 1.58, slightly above the industry average of 1.53, but still within a reasonable range [8] - UVE's P/B ratio has varied between 1.19 and 1.89 over the past year, with a median of 1.54 [8] Conclusion - Both Donegal Group and Universal Insurance Holdings are identified as potentially undervalued stocks, supported by strong earnings outlooks and favorable valuation metrics [9]

Core Viewpoint - Universal Insurance Holdings, Inc. will release its third quarter 2025 financial results on October 23, 2025, and will host a conference call on October 24, 2025, to discuss these results [1]. Group 1: Financial Reporting - The company will issue a press release reporting its third quarter 2025 results after the market closes on October 23, 2025 [1]. - A conference call to discuss the financial results will take place on October 24, 2025, at 10:00 a.m. ET [1]. Group 2: Accessing the Conference Call - Investors can listen to the call via an online real-time webcast or by registering in advance for a teleconference [2]. - After registration, participants will receive a dial-in number with a personalized conference code [2]. - An online replay of the call will be available shortly after the conclusion of the investor call [2]. Group 3: Company Overview - Universal Insurance Holdings, Inc. is a holding company that provides property and casualty insurance and value-added insurance services [3]. - The company develops, markets, and writes insurance products primarily for personal residential homeowners and performs various insurance-related services [3]. - Insurance products are offered in the United States, mainly through independent agents and direct online distribution channels, with a focus on Florida [3].

Core Viewpoint - Momentum investing focuses on following a stock's recent price trends, aiming to buy high and sell higher, with the expectation that established trends will continue [1][2]. Company Overview: Universal Insurance Holdings (UVE) - UVE currently holds a Momentum Style Score of A, indicating strong momentum characteristics [3]. - The company has a Zacks Rank of 2 (Buy), suggesting a favorable outlook compared to the market [4]. Performance Metrics - UVE shares have increased by 1.95% over the past week, outperforming the Zacks Insurance - Property and Casualty industry, which rose by 0.46% [6]. - Over the last month, UVE's price change is 15.32%, significantly higher than the industry's 1.73% [6]. - In the past quarter, UVE shares have risen by 19.7%, and over the last year, they have gained 35.1%, while the S&P 500 has only increased by 7.36% and 19.22%, respectively [7]. Trading Volume - UVE's average 20-day trading volume is 169,427 shares, which serves as a bullish indicator when combined with rising stock prices [8]. Earnings Outlook - In the last two months, one earnings estimate for UVE has increased, while none have decreased, raising the consensus estimate from $2.65 to $4.34 [10]. - For the next fiscal year, one estimate has also moved upwards with no downward revisions [10]. Conclusion - Given the strong performance metrics and positive earnings outlook, UVE is positioned as a 2 (Buy) stock with a Momentum Score of A, making it a potential candidate for near-term investment [12].

Core Insights - Universal Insurance Holdings (UVE) has seen a significant stock price increase of 15.3% over the past month, reaching a new 52-week high of $28.61, and has gained 34.7% year-to-date, outperforming the Zacks Finance sector and the Zacks Insurance - Property and Casualty industry [1][2]. Financial Performance - The company has consistently exceeded earnings expectations, reporting an EPS of $1.23 against a consensus estimate of $1.09 in its last earnings report [2]. - For the current fiscal year, Universal Insurance is projected to achieve earnings of $4.34 per share on revenues of $1.53 billion, reflecting a 142.46% increase in EPS and a 0.85% increase in revenues [3]. - In the next fiscal year, earnings are expected to decline to $2.86 per share on revenues of $1.52 billion, indicating a year-over-year change of -34.1% in EPS and -0.94% in revenues [3]. Valuation Metrics - The stock trades at a valuation of 6.5 times the current fiscal year EPS estimates, significantly lower than the peer industry average of 12 times [7]. - On a trailing cash flow basis, the stock trades at 12.7 times, which aligns with the peer group's average, positioning Universal Insurance favorably for value investors [7]. Zacks Rank and Style Scores - Universal Insurance holds a Zacks Rank of 2 (Buy), supported by positive earnings estimate revisions from analysts [8]. - The company has a Value Score of A, a Growth Score of D, and a Momentum Score of A, resulting in a combined VGM Score of A, indicating strong value potential [6][9]. Industry Comparison - The Insurance - Property and Casualty industry is performing well, ranking in the top 13% of all industries, suggesting favorable conditions for both Universal Insurance and its peers [12]. - Heritage Insurance Holdings, a competitor, has a Zacks Rank of 1 (Strong Buy) and is also showing strong earnings performance, indicating a competitive landscape within the industry [10][11].

Core Insights - The article emphasizes the importance of value investing as a successful strategy across various market conditions [2] - Universal Insurance Holdings (UVE) is highlighted as a strong value stock, currently holding a Zacks Rank 2 (Buy) and an A grade for Value [3][6] Value Metrics - UVE has a Price-to-Sales (P/S) ratio of 0.48, significantly lower than the industry average of 1.32, indicating potential undervaluation [4] - The Price-to-Cash Flow (P/CF) ratio for UVE stands at 9.67, compared to the industry's average of 12.93, suggesting an attractive valuation based on cash flow [5] - Over the past 52 weeks, UVE's P/CF has fluctuated between 5.48 and 10.53, with a median of 8.73, further supporting its value grade [5]

Core Insights - Artificial intelligence (AI) is identified as the greatest investment opportunity of the current era, with a strong emphasis on the urgent need for energy to support its growth [1][2][3] - A specific company is highlighted as a key player in the AI energy sector, owning critical energy infrastructure assets that are essential for meeting the increasing energy demands of AI technologies [3][7][8] Investment Landscape - Wall Street is investing hundreds of billions into AI, but there is a pressing concern regarding the energy supply needed to sustain this growth [2] - AI data centers, such as those powering large language models, consume energy equivalent to that of small cities, indicating a significant strain on global power grids [2][3] - The company in focus is positioned to benefit from the surge in demand for electricity driven by AI, making it a potentially lucrative investment opportunity [3][6] Company Profile - The company is described as a "toll booth" operator in the AI energy boom, collecting fees from energy exports and benefiting from the onshoring trend due to tariffs [5][6] - It possesses critical nuclear energy infrastructure assets, making it integral to America's future power strategy [7] - The company is noted for its capability to execute large-scale engineering, procurement, and construction projects across various energy sectors, including oil, gas, and renewables [7][8] Financial Position - The company is completely debt-free and has a substantial cash reserve, amounting to nearly one-third of its market capitalization, which positions it favorably compared to other energy firms burdened with debt [8][10] - It also holds a significant equity stake in another AI-related company, providing investors with indirect exposure to multiple growth opportunities without the associated premium costs [9][10] Market Sentiment - There is a growing interest from hedge funds in this company, which is considered undervalued and off the radar, with some hedge fund managers discreetly promoting it to wealthy clients [9][10] - The company is trading at less than seven times earnings, indicating a potentially attractive entry point for investors looking for value in the AI and energy sectors [10][11]

FORM 10-Q ________________________________________________________ (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 ________________________________________________________ For the quarterly period ended June 30, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 0 ...