- Diluted GAAP earnings per common share (EPS) of $0.82; diluted
adjusted* EPS of $0.72
- Book value per share of $9.47, up 10.9% from third quarter
2022; adjusted book value per share of $12.89, up 4.5% from third
quarter 2022
- Net combined ratio of 101.4%, down from 131.4% in the prior
year quarter
- Direct premiums written of $416.1 million, up 4.2% from the
prior year quarter
Universal Insurance Holdings (NYSE: UVE) (the “Company” or
“Universal”) reported fourth quarter and full year 2022
results.
“It was a tough year, but I’m proud of what our team
accomplished despite the circumstances,” said Stephen J. Donaghy,
Chief Executive Officer. “The Florida homeowners insurance market
has faced significant challenges, but we remain committed to our
home state and continue to write new and renewal business. We’re
grateful to state officials for passing meaningful reforms at the
recent special legislative session, including elimination of
one-way attorney fees and assignment-of-benefits, shortening the
claims filing deadline to one year and taking steps to reduce the
competitiveness of Citizens, among other measures. It will take
time for the reforms to benefit results, but we believe the
legislature’s actions will restore the health of the market over
the long term. Given our differentiated business model, solid
balance sheet and strong reinsurer relationships, we’re uniquely
positioned to succeed in the dynamic Florida landscape.”
* Reconciliations of GAAP to non-GAAP
financial measures are provided in the attached tables.
Summary Financial Results
($thousands, except per share data)
Three Months Ended December
31,
Twelve Months Ended December
31,
2022
2021
Change
2022
2021
Change
GAAP
comparison
Total revenues
$
330,360
$
292,659
12.9
%
$
1,222,658
$
1,121,851
9.0
%
GAAP operating income (loss)
$
34,479
$
(63,907
)
NM
$
(20,638
)
$
29,051
NM
GAAP operating income (loss) margin
10.4
%
(21.8
) %
NM
(1.7
) %
2.6
%
NM
Net income (loss)
$
25,111
$
(48,125
)
NM
$
(22,257
)
$
20,407
NM
Diluted earnings (loss) per common
share
$
0.82
$
(1.54
)
NM
$
(0.72
)
$
0.65
NM
Annualized ROCE
36.6
%
(41.7
) %
NM
(6.2
) %
4.6
%
NM
Book value per share, end of period
$
9.47
$
13.76
(31.2
) %
9.47
$
13.76
(31.2
) %
Non-GAAP
comparison1
Core revenue
$
326,352
$
293,132
11.3
%
$
1,235,455
$
1,119,991
10.3
%
Adjusted operating income (loss)
$
30,471
$
(63,434
)
NM
$
(7,841
)
$
27,191
NM
Adjusted operating income (loss)
margin
9.3
%
(21.6
) %
NM
(0.6
) %
2.4
%
NM
Adjusted net income (loss)
$
22,087
$
(47,761
)
NM
$
(12,618
)
$
18,959
NM
Adjusted diluted earnings (loss) per
common share
$
0.72
$
(1.53
)
NM
$
(0.41
)
$
0.61
NM
Annualized adjusted ROCE
23.1
%
(40.3
) %
NM
(3.0
) %
4.3
%
NM
Adjusted book value per share, end of
period
$
12.89
$
14.26
(9.6
) %
$
12.89
$
14.26
(9.6
) %
Underwriting
Summary
Premiums:
Premiums in force
$
1,856,339
$
1,679,821
10.5
%
$
1,856,339
$
1,679,821
10.5
%
Policies in force
848,856
943,593
(10.0
) %
848,856
943,593
(10.0
) %
Direct premiums written
$
416,101
$
399,327
4.2
%
$
1,845,786
$
1,671,252
10.4
%
Direct premiums earned
$
463,843
$
417,817
11.0
%
$
1,759,701
$
1,596,618
10.2
%
Ceded premiums earned
$
(171,973
)
$
(146,485
)
17.4
%
$
(631,075
)
$
(561,155
)
12.5
%
Ceded premium ratio
37.1
%
35.1
%
2.0 pts
35.9
%
35.1
%
0.8 pts
Net premiums earned
$
291,870
$
271,332
7.6
%
$
1,128,626
$
1,035,463
9.0
%
Net ratios:
Loss & LAE ratio
76.3
%
103.3
%
(27.0) pts
83.2
%
75.3
%
7.9 pts
Expense ratio
25.1
%
28.1
%
(3.0) pts
27.0
%
30.2
%
(3.2) pts
Combined ratio
101.4
%
131.4
%
(30.0) pts
110.2
%
105.5
%
4.7 pts
1 Reconciliation of GAAP to non-GAAP
financial measures are provided in the attached tables. Adjusted
net income, adjusted diluted earnings per common share and core
revenue exclude net realized gains (losses) on investments and net
change in unrealized gains (losses) of equity securities. Adjusted
operating income excludes the items above and interest and
amortization of debt issuance costs. Adjusted book value per share
excludes accumulated other comprehensive income, net of taxes.
Adjusted ROCE is calculated by dividing annualized adjusted net
income attributable to common stockholders by average adjusted book
value per share, with the denominator further excluding current
period after-tax net realized gains (losses) on investments and net
change in unrealized gains (losses) of equity securities.
Net Income and Adjusted Net
Income
Net income was $25.1 million, up from net loss of $48.1 million
in the prior year quarter, and adjusted net income was $22.1
million, up from adjusted net loss of $47.8 million in the prior
year quarter. The increase in adjusted net income mostly stems from
lower net loss and expense ratios and higher net investment income
and commission revenue.
Revenues
Overall revenue was $330.4 million, up 12.9% from the prior year
quarter and core revenue was $326.4 million, up 11.3% from the
prior year quarter. The increase in core revenue primarily stems
from higher net premiums earned, net investment income and
commission revenue.
Direct premiums written were $416.1 million, up 4.2% from the
prior year quarter. The increase stems from 3.6% growth in Florida
and 6.8% growth in other states. Overall growth reflects rate
increases, partly offset by lower policies in force.
Direct premiums earned were $463.8 million, up 11.0% from the
prior year quarter. The increase stems from rate-driven direct
premiums written growth over the past twelve months.
The ceded premium ratio was 37.1%, up from 35.1%, in the prior
year quarter. The increase primarily reflects reinstatement
premiums associated with Hurricane Ian, higher reinsurance pricing
and higher reinsurance costs associated with the increase in
insured values, partly offset by direct premiums earned growth
associated with primary rate increases and reinsurance savings
associated with leveraging our self-insured captive to a greater
degree than the prior year.
Net premiums earned were $291.9 million, up 7.6% from the prior
year quarter. The increase is primarily attributable to higher
direct premiums earned, partly offset by higher ceded premiums
earned, as described above.
Net investment income was $10.4 million, up from $3.9 million in
the prior year quarter. The increase primarily stems from higher
fixed income reinvestment yields and higher yields on cash.
Commissions, policy fees and other revenue were $24.0 million,
up 34.2% from the prior year quarter. The increase primarily
reflects higher reinsurance brokerage commission revenue, which
benefited from higher ceded premiums and the difference in our
reinsurance program’s structure relative to the prior year quarter,
partly offset by a decline in policy fees associated with lower
policies in force.
Margins
The GAAP operating income margin was 10.4%, up from a GAAP
operating loss margin of 21.8% in the prior year quarter. The
adjusted operating income margin was 9.3%, up from an adjusted
operating loss margin of 21.6% in the prior year quarter. The
higher adjusted operating income margin primarily reflects a lower
net combined ratio and higher net investment income and commission
revenue, partly offset by lower policy fees.
The net loss ratio was 76.3%, down 27.0 points compared to the
prior year quarter. The decrease primarily reflects a lower current
accident year net loss ratio and lower adverse prior year reserve
development ($17.9 million in the current year quarter, down from
$36.5 million in the prior year quarter).
The net expense ratio was 25.1%, down 3.0 points from 28.1% in
the prior year quarter. The reduction primarily reflects lower
renewal commission rates paid to distribution partners.
The net combined ratio was 101.4%, down 30.0 points compared to
the prior year quarter. The decrease reflects lower net loss and
expense ratios, as described above.
Capital Deployment
During the fourth quarter, the Company repurchased approximately
186 thousand shares at an aggregate cost of $1.8 million. The
Company’s current share repurchase authorization program has $6.2
million remaining as of December 31, 2022 and runs through December
15, 2024.
On February 9, 2023, the Board of Directors declared a regular
quarterly cash dividend of 16 cents per share of common stock,
payable March 16, 2023 to shareholders of record as of the close of
business on March 9, 2023.
Conference Call and Webcast
- Friday, February 24, 2023 at 9:30 a.m. ET
- Investors and other interested parties may listen to the call
by accessing the online, real-time webcast at
universalinsuranceholdings.com/investors or by registering in
advance via teleconference at
https://register.vevent.com/register/BI271bba0f21b746d8aafebbe6a6c51c55.
Once registration is completed, participants will be provided with
a dial-in number containing a personalized conference code to
access the call. An online replay of the call will be available at
universalinsuranceholdings.com/investors shortly after the investor
call concludes.
About Universal
Universal Insurance Holdings, Inc. (NYSE: UVE) is a holding
company offering property and casualty insurance and value-added
insurance services. We develop, market, and write insurance
products for consumers predominantly in the personal residential
homeowners lines of business and perform substantially all other
insurance-related services for our primary insurance entities,
including risk management, claims management and distribution. We
sell insurance products through both our appointed independent
agents and through our direct online distribution channels in the
United States across 19 states (primarily Florida). Learn more at
universalinsuranceholdings.com.
Non-GAAP Financial Measures and Key Performance
Indicators
This press release contains non-GAAP financial measures within
the meaning of Regulation G promulgated by the U.S. Securities and
Exchange Commission (“SEC”), including core revenue, adjusted net
income attributable to common stockholders and diluted adjusted
earnings (loss) per common share, which exclude the impact of net
realized gains (losses) on investments and net change in unrealized
gains (losses) of equity securities. Adjusted operating income and
adjusted operating income margin exclude the impact of net realized
gains (losses) on investments and net change in unrealized gains
(losses) of equity securities and interest and amortization of debt
issuance costs. Adjusted common stockholders’ equity and adjusted
book value per share exclude accumulated other comprehensive income
(AOCI), net of taxes. Adjusted return on common equity excludes
after-tax net realized gains (losses) on investments and net change
in unrealized gains (losses) of equity securities from the
numerator and AOCI, net of taxes, and current period after-tax net
realized gains (losses) on investments and net change in unrealized
gains (losses) of equity securities from the denominator. A
“non-GAAP financial measure” is generally defined as a numerical
measure of a company’s historical or future performance that
excludes or includes amounts, or is subject to adjustments, so as
to be different from the most directly comparable measure
calculated and presented in accordance with generally accepted
accounting principles (“GAAP”). UVE management believes that these
non-GAAP financial measures are meaningful, as they allow investors
to evaluate underlying revenue and profitability trends and enhance
comparability across periods. When considered together with the
GAAP financial measures, management believes these metrics provide
information that is useful to investors in understanding
period-over-period operating results separate and apart from items
that may, or could, have a disproportionately positive or negative
impact on results in any particular period. UVE management also
believes that these non-GAAP financial measures enhance the ability
of investors to analyze UVE’s business trends and to understand
UVE’s operational performance. UVE’s management utilizes these
non-GAAP financial measures as guides in long-term planning.
Non-GAAP financial measures should be considered in addition to,
and not as a substitute for or superior to, financial measures
presented in accordance with GAAP. For more information regarding
our key performance indicators, please refer to the section titled
“Management’s Discussion and Analysis of Financial Condition and
Results of Operations – Key Performance Indicators” in our
forthcoming Annual Report on Form 10-K for the quarter ended
December 31, 2022.
Forward-Looking Statements
This press release may contain “forward-looking statements”
within the meaning of the Private Securities Litigation Reform Act
of 1995. The words “believe,” “expect,” “anticipate,” “will,”
“plan,” and similar expressions identify forward-looking
statements, which speak only as of the date the statement was made.
Such statements may include commentary on plans, products and lines
of business, marketing arrangements, reinsurance programs and other
business developments and assumptions relating to the foregoing.
Forward-looking statements are inherently subject to risks and
uncertainties, some of which cannot be predicted or quantified,
including those risks and uncertainties described under the heading
“Risk Factors” and “Liquidity and Capital Resources” in our 2022
Annual Report on Form 10-K, and supplemented in our subsequent
Quarterly Reports on Form 10-Q. Future results could differ
materially from those described, and the Company disclaims any
intention or obligation to update or revise any forward-looking
statements, whether as a result of new information, future events,
or otherwise. For further information regarding risk factors that
could affect the Company’s operations and future results, refer to
the Company’s reports filed with the Securities and Exchange
Commission, including the Company’s Annual Report on Form 10-K and
the most recent quarterly reports on Form 10-Q.
UNIVERSAL INSURANCE HOLDINGS,
INC. AND SUBSIDIARIES
CONSOLIDATED BALANCE SHEETS
(UNAUDITED)
(in thousands, except per
share data)
December 31,
December 31,
2022
2021
ASSETS
Invested Assets
Fixed maturities, at fair value
$
1,014,626
$
1,040,455
Equity securities, at fair value
85,469
47,334
Investment real estate, net
5,711
5,891
Total invested assets
1,105,806
1,093,680
Cash and cash equivalents
388,706
250,508
Restricted cash and cash equivalents
2,635
2,635
Prepaid reinsurance premiums
282,427
240,993
Reinsurance recoverable
808,850
185,589
Premiums receivable, net
69,574
64,923
Property and equipment, net
51,404
53,682
Deferred policy acquisition costs
103,654
108,822
Goodwill
2,319
2,319
Other assets
74,779
52,990
TOTAL ASSETS
$
2,890,154
$
2,056,141
LIABILITIES AND STOCKHOLDERS'
EQUITY
LIABILITIES:
Unpaid losses and loss adjustment
expenses
$
1,038,790
$
346,216
Unearned premiums
943,854
857,769
Advance premium
54,964
53,694
Reinsurance payable, net
384,504
188,662
Long-term debt, net
102,769
103,676
Other liabilities
77,377
76,422
Total liabilities
2,602,258
1,626,439
STOCKHOLDERS' EQUITY:
Cumulative convertible preferred stock
($0.01 par value)2
—
—
Common stock ($0.01 par value)3
472
470
Treasury shares, at cost - 16,790 and
15,797
(238,758
)
(227,115
)
Additional paid-in capital
112,509
108,202
Accumulated other comprehensive income
(loss), net of taxes
(103,782
)
(15,568
)
Retained earnings
517,455
563,713
Total stockholders' equity
287,896
429,702
TOTAL LIABILITIES AND STOCKHOLDERS'
EQUITY
$
2,890,154
$
2,056,141
Notes:
2 Cumulative convertible preferred stock
($0.01 par value): Authorized - 1,000 shares; Issued - 10 and 10
shares; Outstanding - 10 and 10 shares; Minimum liquidation
preference - $9.99 and $9.99 per share.
3 Common stock ($0.01 par value):
Authorized - 55,000 shares; Issued - 47,179 and 47,018 shares;
Outstanding - 30,389 and 31,221 shares.
UNIVERSAL INSURANCE HOLDINGS,
INC. AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF
INCOME (LOSS) (UNAUDITED)
(in thousands)
Three Months Ended
Twelve Months Ended
December 31,
December 31,
2022
2021
2022
2021
REVENUES
Net premiums earned
$
291,870
$
271,332
$
1,128,626
$
1,035,463
Net investment income
10,448
3,894
25,785
12,535
Net realized gains (losses) on sale of
investments
723
535
348
5,892
Net change in unrealized gains (losses) of
equity securities
3,285
(1,008
)
(13,145
)
(4,032
)
Commission revenue
18,011
11,245
53,168
41,649
Policy fees
4,191
4,892
20,182
22,713
Other revenue
1,832
1,769
7,694
7,631
Total revenues
330,360
292,659
1,222,658
1,121,851
EXPENSES
Losses and loss adjustment expenses
222,545
280,440
938,399
779,205
Policy acquisition costs
50,827
55,880
214,259
226,167
Other operating expenses
22,509
20,246
90,638
87,428
Total operating costs and
expenses
295,881
356,566
1,243,296
1,092,800
Interest and amortization of debt issuance
costs
1,640
554
6,609
638
Income (loss) before income tax expense
(benefit)
32,839
(64,461
)
(27,247
)
28,413
Income tax expense (benefit)
7,728
(16,336
)
(4,990
)
8,006
NET INCOME (LOSS)
$
25,111
$
(48,125
)
$
(22,257
)
$
20,407
UNIVERSAL INSURANCE HOLDINGS,
INC. AND SUBSIDIARIES
SHARE AND PER SHARE
INFORMATION
(in thousands, except per
share data)
Three Months Ended
Twelve Months Ended
December 31,
December 31,
2022
2021
2022
2021
Weighted average common shares outstanding
- basic
30,434
31,177
30,751
31,218
Weighted average common shares outstanding
- diluted
30,535
31,177
30,751
31,307
Shares outstanding, end of period
30,389
31,221
30,389
31,221
Basic earnings (loss) per common share
$
0.83
$
(1.54
)
$
(0.72
)
$
0.65
Diluted earnings (loss) per common
share
$
0.82
$
(1.54
)
$
(0.72
)
$
0.65
Cash dividend declared per common
share
$
0.29
$
0.29
$
0.77
$
0.77
Book value per share, end of period
$
9.47
$
13.76
$
9.47
$
13.76
Annualized return on average common equity
(ROCE)
36.6
%
(41.7
)%
(6.2
)%
4.6
%
UNIVERSAL INSURANCE HOLDINGS,
INC. AND SUBSIDIARIES
SUPPLEMENTARY
INFORMATION
(in thousands, except for
Policies In-Force data)
Three Months Ended
Twelve Months Ended
December 31,
December 31,
2022
2021
2022
2021
Premiums
Direct premiums written - Florida
$
337,950
$
326,138
$
1,538,143
$
1,388,318
Direct premiums written - Other States
78,151
73,189
307,643
282,934
Direct premiums written - Total
$
416,101
$
399,327
$
1,845,786
$
1,671,252
Direct premiums earned
$
463,843
$
417,817
$
1,759,701
$
1,596,618
Net premiums earned
$
291,870
$
271,332
$
1,128,626
$
1,035,463
Underwriting Ratios - Net
Loss and loss adjustment expense ratio
76.3
%
103.3
%
83.2
%
75.3
%
General and administrative expense
ratio
25.1
%
28.1
%
27.0
%
30.2
%
Policy acquisition cost ratio
17.4
%
20.6
%
19.0
%
21.8
%
Other operating expense ratio
7.7
%
7.5
%
8.0
%
8.4
%
Combined ratio
101.4
%
131.4
%
110.2
%
105.5
%
Other Items
(Favorable)/Unfavorable prior year
reserve
development
$
17,900
$
36,467
$
24,980
$
54,450
Net loss & LAE ratio impact
6.1 pts
13.4 pts
2.2 pts
5.3 pts
As of
December 31,
2022
2021
Policies in force
Florida
615,796
695,533
Other States
233,060
248,060
Total
848,856
943,593
Premiums in force
Florida
$
1,547,383
$
1,395,476
Other States
308,956
284,345
Total
1,856,339
1,679,821
Total Insured Value
Florida
$
201,237,145
$
203,062,948
Other States
121,005,995
117,835,486
Total
322,243,140
320,898,434
UNIVERSAL INSURANCE HOLDINGS,
INC. AND SUBSIDIARIES
RECONCILIATION OF NON-GAAP
FINANCIAL MEASURES
(in thousands, except for per
share data)
GAAP revenue to
core revenue
Three Months Ended
Twelve Months Ended
December 31,
December 31,
2022
2021
2022
2021
GAAP revenue
$
330,360
$
292,659
$
1,222,658
$
1,121,851
less: Net realized gains (losses) on
investments
723
535
348
5,892
less: Net change in unrealized gains
(losses) of equity securities
3,285
(1,008
)
(13,145
)
(4,032
)
Core revenue
$
326,352
$
293,132
$
1,235,455
$
1,119,991
GAAP operating
income (loss) to adjusted operating income (loss)
Three Months Ended
Twelve Months Ended
December 31,
December 31,
2022
2021
2022
2021
GAAP income (loss) before income tax
expense (benefit)
$
32,839
$
(64,461
)
$
(27,247
)
$
28,413
add: Interest and amortization of debt
issuance costs
1,640
554
6,609
638
GAAP operating income (loss)
34,479
(63,907
)
(20,638
)
29,051
less: Net realized gains (losses) on
investments
723
535
348
5,892
less: Net change in unrealized gains
(losses) of equity securities
3,285
(1,008
)
(13,145
)
(4,032
)
Adjusted operating income
(loss)
$
30,471
$
(63,434
)
$
(7,841
)
$
27,191
GAAP operating
income (loss) margin to adjusted operating income (loss)
margin
Three Months Ended
Twelve Months Ended
December 31,
December 31,
2022
2021
2022
2021
GAAP operating income (loss)
(a)
$
34,479
$
(63,907
)
$
(20,638
)
$
29,051
GAAP revenue (b)
330,360
292,659
1,222,658
1,121,851
GAAP operating income (loss) margin
(a÷b)
10.4
%
(21.8
)%
(1.7
)%
2.6
%
Adjusted operating income (loss) (c)
30,471
(63,434
)
(7,841
)
27,191
Core revenue (d)
326,352
293,132
1,235,455
1,119,991
Adjusted operating income (loss) margin
(c÷d)
9.3
%
(21.6
)%
(0.6
)%
2.4
%
GAAP net income
(loss) (NI) to adjusted NI (loss) available to common
stockholders
Three Months Ended
Twelve Months Ended
December 31,
December 31,
2022
2021
2022
2021
GAAP NI (loss)
$
25,111
$
(48,125
)
$
(22,257
)
$
20,407
less: Preferred dividends
2
2
10
10
GAAP NI (loss) available to common
stockholders (e)
25,109
(48,127
)
(22,267
)
20,397
less: Net realized gains (losses) on
investments
723
535
348
5,892
less: Net change in unrealized gains
(losses) of equity securities
3,285
(1,008
)
(13,145
)
(4,032
)
add: Income tax effect on above
adjustments
986
(107
)
(3,148
)
422
Adjusted NI (loss) available to common
stockholders (f)
$
22,087
$
(47,761
)
$
(12,618
)
$
18,959
Weighted average diluted common shares
outstanding (g)
30,535
31,177
30,751
31,307
Diluted earnings (loss) per common share
(e÷g)
$
0.82
$
(1.54
)
$
(0.72
)
$
0.65
Diluted adjusted earnings (loss) per
common share (f÷g)
$
0.72
$
(1.53
)
$
(0.41
)
$
0.61
GAAP
stockholders’ equity to adjusted common stockholders’
equity
As of
December 31,
December 31,
December 31,
2022
2021
2020
GAAP stockholders’ equity
$
287,896
$
429,702
$
449,262
less: Preferred equity
100
100
100
Common stockholders’ equity (h)
287,796
429,602
449,162
less: Accumulated other comprehensive
(loss), net of taxes
(103,782
)
(15,568
)
3,343
Adjusted common stockholders’ equity
(i)
$
391,578
$
445,170
$
445,819
Common shares outstanding (j)
30,389
31,221
31,137
Book value per common share (h÷j)
$
9.47
$
13.76
$
14.43
Adjusted book value per common share
(i÷j)
$
12.89
$
14.26
$
14.32
GAAP return on
common equity (ROCE) to adjusted ROCE
Three Months Ended
Twelve Months Ended
December 31,
December 31,
2022
2021
2022
2021
2020
Actual or Annualized NI (loss)
attributable to common stockholders (k)
$
100,436
$
(192,508
)
$
(22,267
)
$
20,397
$
19,095
Average common stockholders’ equity
(l)
274,167
461,889
358,699
439,382
471,482
ROCE (k÷l)
36.6
%
(41.7
)%
(6.2
)%
4.6
%
4.0
%
Annualized adjusted NI (loss) attributable
to common stockholders (m)
$
88,348
$
(191,044
)
$
(12,618
)
$
18,959
$
(29,008
)
Adjusted average common stockholders’
equity4 (n)
382,379
473,555
423,199
444,776
435,577
Adjusted ROCE (m÷n)
23.1
%
(40.3
)%
(3.0
)%
4.3
%
(6.7
)%
4 Adjusted average common stockholders’
equity excludes current period after-tax net realized gains
(losses) on investments and net change in unrealized gains (losses)
of equity securities.
View source
version on businesswire.com: https://www.businesswire.com/news/home/20230223005354/en/
Investors/Media: Arash Soleimani, CFA, CPA Chief Strategy
Officer 954-804-8874 asoleimani@universalproperty.com
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