RLI (RLI) vs UNIVERSAL INSURANCE HOLDINGS INC (UVE)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 11, 2026.
Summary
UNIVERSAL INSURANCE HOLDINGS INC (UVE) has outperformed RLI (RLI) over the past year, gaining 57.9% versus a loss of 11.9%. Over five years, UVE leads with a +238.9% price change compared with +7.8% for RLI. RLI is the larger company by market cap ($5.11 billion vs $1.28 billion), about 4.0 times the size.
On valuation, UNIVERSAL INSURANCE HOLDINGS INC trades at a lower forward P/E (10.2x vs 20.7x for RLI). UNIVERSAL INSURANCE HOLDINGS INC offers the higher dividend yield (1.40% vs 1.18%). RLI converts more of its revenue into profit, with a net margin of 21.4% versus 11.4%.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | RLI | UVE |
|---|---|---|
| Share price | $55.71 | $45.85 |
| Market cap | $5.11B | $1.28B |
| 1-day change | -1.05% | -2.38% |
| YTD return | -12.93% | +35.65% |
| 1-year return | -11.89% | +57.89% |
| 5-year return | +7.82% | +238.88% |
| P/E ratio (TTM) | 11.70 | 6.03 |
| Forward P/E | 20.67 | 10.19 |
| EPS (TTM) | $4.76 | $7.60 |
| Dividend yield | 1.18% | 1.40% |
| Annual dividend | $0.66 | $0.64 |
| Revenue (latest FY) | $1.88B | $1.60B |
| Revenue growth (YoY) | +6.33% | +5.48% |
| Net income (latest FY) | $403.34M | $182.95M |
| Net margin | 21.43% | 11.41% |
| 52-week high | $67.12 | $47.56 |
| 52-week low | $47.26 | $27.89 |
| Distance from 52-week high | -17.00% | -3.60% |
| Analyst consensus | hold | hold |
| Avg. price target upside | +5.91% | -1.85% |
| Average volume | 756.01K | 194.91K |
| Shares outstanding | 91.77M | 27.83M |
| Employees | 1,193 | 929 |
| Sector | Finance | Finance |
| Industry | Property-Casualty Insurers | Property-Casualty Insurers |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- RLI is about 4.0 times larger than UNIVERSAL INSURANCE HOLDINGS INC by market value ($5.11B vs $1.28B).
- UVE has outperformed RLI by 69.8 percentage points over the past year.
- RLI trades at a higher earnings multiple (11.7x vs 6.0x trailing P/E).
- RLI is more profitable, keeping 21.4 cents of every revenue dollar as net income versus 11.4 cents for UNIVERSAL INSURANCE HOLDINGS INC.
About RLI
RLI stock →RLI Corp., an insurance holding company, provides property, casualty, and surety insurance products. Its Casualty segment provides commercial excess, personal umbrella, general liability, transportation, and management liability coverages; professional liability and workers' compensation for office-based professional coverages; commercial automobile liability and physical damage insurance to local, intermediate and long haul truckers, public transportation entities, and other specialty commercial automobile risks; incidental related insurance coverages; inland marine coverages; directors and officers liability insurance, fiduciary liability and coverages, employment practice liability, public and private businesses risk, and home business insurance products.
Finance · Property-Casualty Insurers · 1,193 employees
About UNIVERSAL INSURANCE HOLDINGS INC
UVE stock →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.
Finance · Property-Casualty Insurers · 929 employees
RLI vs UVE FAQ
Which is bigger, RLI or UNIVERSAL INSURANCE HOLDINGS INC?
RLI (RLI) is larger, with a market capitalization of $5.11B compared with $1.28B for UNIVERSAL INSURANCE HOLDINGS INC (UVE).
Which stock has performed better over the past year, RLI or UVE?
UVE returned +57.89% over the past 12 months, compared with -11.89% for RLI (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, RLI or UVE?
UVE has the lower trailing P/E at 6.0, versus 11.7 for RLI. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, RLI or UNIVERSAL INSURANCE HOLDINGS INC?
UNIVERSAL INSURANCE HOLDINGS INC has the higher yield at 1.40%, compared with 1.18% for RLI.
Are RLI and UNIVERSAL INSURANCE HOLDINGS INC in the same industry?
Yes. Both are classified in the Property-Casualty Insurers industry within the Finance sector.