UVE vs. TRV
UVE (Universal Insurance Holdings, Inc.) and TRV (The Travelers Companies, Inc.) are both stocks. Both operate in the Insurance - Property & Casualty industry within the Financial Services sector. Over the past 10 years, UVE returned 11.60%/yr vs 14.78%/yr for TRV. Their 0.30 correlation means their historical movements had little consistent relationship.
Performance
UVE vs. TRV - Performance Comparison
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Returns By Period
The year-to-date returns for both stocks are quite close, with UVE having a 30.90% return and TRV slightly lower at 30.07%. Over the past 10 years, UVE has underperformed TRV with an annualized return of 11.60%, while TRV has yielded a comparatively higher 14.78% annualized return.
UVE
- 1D
- -0.27%
- 1M
- 2.00%
- 6M
- 45.30%
- YTD
- 30.90%
- 1Y
- 94.12%
- 3Y*
- 46.91%
- 5Y*
- 30.64%
- 10Y*
- 11.60%
- ALL TIME*
- 42.23%
TRV
- 1D
- -0.43%
- 1M
- 9.36%
- 6M
- 32.61%
- YTD
- 30.07%
- 1Y
- 47.23%
- 3Y*
- 31.86%
- 5Y*
- 22.60%
- 10Y*
- 14.78%
- ALL TIME*
- 11.85%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $902.70M | $763.57M | $614.43M | |
| $9.93M | $10.08M | $8.48M |
UVE vs. TRV - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
UVE Universal Insurance Holdings, Inc. | 30.90% | 65.32% | 36.80% | 58.14% | -33.52% | 18.39% | -43.50% | -24.24% | 41.44% | -0.88% |
TRV The Travelers Companies, Inc. | 30.07% | 22.38% | 28.76% | 3.93% | 22.42% | 13.96% | 5.31% | 17.00% | -9.64% | 13.36% |
Correlation
The correlation between UVE and TRV is 0.59, which is moderate. They have sometimes moved together and sometimes differently, sharing some price drivers without tracking each other closely.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.59 |
Correlation (3Y) Balances recent behavior with more history. | 0.50 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.45 |
Correlation (10Y) Provides a long-term view across more market conditions. | 0.44 |
Correlation (All Time) Calculated using the full available price history since Jun 6, 2003 | 0.30 |
Over the past year, UVE and TRV have become more correlated (0.59) than their long-term average of 0.30, meaning their price movements have been converging.
Fundamentals
UVE:
$1.22B
TRV:
$78.08B
UVE:
$10.18
TRV:
$37.59
UVE:
4.29
TRV:
9.96
UVE:
0.04
TRV:
0.46
UVE:
0.58
TRV:
1.69
UVE:
$1.63B
TRV:
$48.98B
UVE:
$268.35M
TRV:
$17.01B
UVE:
$307.81M
TRV:
$11.31B
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Return for Risk
UVE vs. TRV — Risk / Return Rank
UVE
TRV
UVE vs. TRV - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Universal Insurance Holdings, Inc. (UVE) and The Travelers Companies, Inc. (TRV). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| UVE | TRV | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.10 | ||
| Sortino ratioReturn per unit of downside risk | -0.17 | ||
| Omega ratioGain probability vs. loss probability | 1.39 | 1.41 | -0.02 |
| Calmar ratioReturn relative to maximum drawdown | 5.11 | 5.58 | -0.47 |
| Martin ratioReturn relative to average drawdown | 13.48 | 14.16 | -0.68 |
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Drawdowns
UVE vs. TRV - Drawdown Comparison
The maximum UVE drawdown since its inception was -80.46%, which is greater than TRV's maximum drawdown of -55.11%. Use the drawdown chart below to compare losses from any high point for UVE and TRV.
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Drawdown Indicators
| UVE | TRV | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -80.46% | -55.11% | -25.35% |
Max Drawdown (1Y)Largest decline over 1 year | -17.74% | -8.31% | -9.43% |
Max Drawdown (3Y)Largest decline over 3 years | -25.75% | -12.47% | -13.28% |
Max Drawdown (5Y)Largest decline over 5 years | -54.23% | -18.90% | -35.33% |
Max Drawdown (10Y)Largest decline over 10 years | -79.58% | -46.28% | -33.30% |
Current DrawdownCurrent decline from peak | -2.56% | -5.75% | +3.19% |
Average DrawdownAverage peak-to-trough decline | -36.11% | -11.07% | -25.04% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 6.71% | 3.27% | +3.44% |
Volatility
UVE vs. TRV - Volatility Comparison
Universal Insurance Holdings, Inc. (UVE) has a higher volatility of 16.70% compared to The Travelers Companies, Inc. (TRV) at 11.55%. This indicates that UVE's price experiences larger fluctuations and is considered to be riskier than TRV based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| UVE | TRV | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 16.70% | 11.55% | +5.15% |
Volatility (6M)Calculated over the trailing 6-month period | 29.01% | 16.55% | +12.46% |
Volatility (1Y)Calculated over the trailing 1-year period | 38.72% | 20.71% | +18.01% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 42.78% | 22.24% | +20.54% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 41.57% | 24.65% | +16.92% |
Dividends
UVE vs. TRV - Dividend Comparison
UVE's dividend yield for the trailing twelve months is around 2.13%, more than TRV's 1.22% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
TRV The Travelers Companies, Inc. | 1.22% | 1.50% | 1.72% | 2.06% | 1.96% | 2.23% | 2.40% | 2.36% | 2.53% | 2.09% | 2.14% | 2.11% |
UVE Universal Insurance Holdings, Inc. | 1.76% | 2.28% | 3.66% | 4.82% | 7.27% | 4.53% | 5.10% | 2.75% | 1.93% | 2.52% | 2.43% | 2.72% |
Financials
UVE vs. TRV - Financials Comparison
This section allows you to compare key financial metrics between Universal Insurance Holdings, Inc. and The Travelers Companies, Inc.. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
UVE vs. TRV - Profitability Comparison
UVE - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 2026, Universal Insurance Holdings, Inc. reported a gross profit of -163.41M and revenue of 429.09M. Therefore, the gross margin over that period was -38.1%.
TRV - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 2026, The Travelers Companies, Inc. reported a gross profit of 4.45B and revenue of 12.15B. Therefore, the gross margin over that period was 36.6%.
UVE - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 2026, Universal Insurance Holdings, Inc. reported an operating income of 83.21M and revenue of 429.09M, resulting in an operating margin of 19.4%.
TRV - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 2026, The Travelers Companies, Inc. reported an operating income of 2.88B and revenue of 12.15B, resulting in an operating margin of 23.7%.
UVE - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 2026, Universal Insurance Holdings, Inc. reported a net income of 59.19M and revenue of 429.09M, resulting in a net margin of 13.8%.
TRV - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 2026, The Travelers Companies, Inc. reported a net income of 2.21B and revenue of 12.15B, resulting in a net margin of 18.2%.
Frequently Asked Questions
UVE and TRV have a correlation of 0.59, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
UVE has higher volatility (16.70%) compared to TRV (11.55%). In terms of maximum drawdown, UVE dropped -80.46% vs TRV's -55.11%.
UVE currently has the higher Sharpe Ratio (2.34 vs 2.24), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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