BLK
BlackRock, Inc.
BLK has slightly lower modeled downside risk, despite its lower overall score.
UVE
Universal Insurance Holdings, Inc.
UVE has the edge over BLK overall, supported by stronger valuation and stronger modeled upside.
BLK Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
BLK's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like BLK.
UVE Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
UVE's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like UVE.
BLK PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 19x | $848 | -30% |
| Fair | 22x | $973 | -20% |
| Expensive | 26x | $1,149 | -5.5% |
| Current | 28x | $1,217 | — |
Historical ranges are pointers, not guarantees.
BLK's PE is in its expensive range at 28x.
UVE PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Current | 6.1x | $48.57 | — |
| Cheap | 7x | $55.89 | +15% |
| Fair | 10x | $82.24 | +69% |
| Forward | 13x | $48.57 | — |
| Expensive | 24x | $195 | +302% |
Historical ranges are pointers, not guarantees.
UVE has the edge over BLK in the historical PE scenario, which offers more potential upside but is not a forecast.
BLK Forward outlook
There aren't enough analyst estimates for BLK to show an outlook.
UVE Forward outlook
| Metric | Outlook |
|---|---|
| Strongly deteriorating | |
| Strong decline | |
| Stable | |
| Strongly weakening | |
| Limited | |
| High |
Analysts expect UVE's earnings and profitability to decline, with its revenue holding steady.
BLK Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $43.87 | +11% |
| Q2 2026 | $41.73 | -0.4% |
| Q1 2026 | $39.73 | -4.7% |
| Q4 2025 | $35.31 | -17% |
| Q3 2025 | $39.42 | -2.7% |
| Q2 2025 | $41.89 | +4% |
| Q1 2025 | $41.69 | +5.9% |
| Q4 2024 | $42.53 | +16% |
BLK earned $43.87 per share over the past year, up 11% from the year before.
UVE Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.88 | -51% |
| Q3 2026 | $8.00 | +89% |
| Q2 2026 | $7.58 | +231% |
| Q1 2026 | $6.75 | +195% |
| Q4 2025 | $6.31 | +217% |
| Q3 2025 | $4.24 | +72% |
| Q2 2025 | $2.29 | -19% |
| Q1 2025 | $2.29 | -10% |
| Q4 2024 | $1.99 | -9.5% |
UVE has the edge over BLK on earnings, with more consistent year-over-year improvement.
BLK Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $7.8B | +19% |
| Q2 2026 | $7.1B | +31% |
| Q1 2026 | $6.7B | +27% |
| Q4 2025 | $7B | +23% |
| Q3 2025 | $6.5B | +25% |
| Q2 2025 | $5.4B | +13% |
| Q1 2025 | $5.3B | +12% |
| Q4 2024 | $5.7B | +23% |
BLK has the edge over UVE on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 30% | 0 points |
| Q2 2026 | 35% | +2.8 points |
| Q1 2026 | 42% | +9.8 points |
| Q4 2025 | 24% | -13 points |
| Q3 2025 | 30% | -8.6 points |
| Q2 2025 | 32% | -5.5 points |
| Q1 2025 | 32% | -3.6 points |
| Q4 2024 | 37% | +2.3 points |
BLK has the edge over UVE on profitability, with a higher operating margin.
UVE Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $439.3M | +9.6% |
| Q2 2026 | $427M | +6.7% |
| Q1 2026 | $393.6M | -0.3% |
| Q4 2025 | $407.9M | +6% |
| Q3 2025 | $401M | +3.5% |
| Q2 2025 | $400.1M | +5.2% |
| Q1 2025 | $394.9M | +7.3% |
| Q4 2024 | $384.8M | +2.5% |
UVE's revenue is growing: $439M last quarter, up 9.6% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 16% | +2.8 points |
| Q2 2026 | 19% | +7.1 points |
| Q1 2026 | 18% | +4.2 points |
| Q4 2025 | 22% | +20 points |
| Q3 2025 | 13% | +18 points |
| Q2 2025 | 12% | -1 points |
| Q1 2025 | 14% | +1.1 points |
| Q4 2024 | 1.9% | -5 points |
UVE's operating margin was 16% last quarter, up 2.8 points from the same quarter a year ago.
BLK Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $2.6B | +95% |
| Q2 2026 | $1.1B | -12% |
| Q1 2026 | -$1.1B | +$120M |
| Q4 2025 | $2.1B | -15% |
| Q2 2025 | $1.3B | -6.1% |
| Q1 2025 | -$1.2B | -$734M |
| Q4 2024 | $2.5B | +35% |
| Q2 2024 | $1.4B | +47% |
BLK has the edge over UVE on cash flow, with more consistent year-over-year improvement.
UVE Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $82M | +34% |
| Q2 2026 | $100.2M | -4.8% |
| Q1 2026 | $153.2M | -17% |
| Q4 2025 | $25M | +$127.2M |
| Q3 2025 | $61.3M | -24% |
| Q2 2025 | $105.2M | +47% |
| Q1 2025 | $185.5M | +133% |
| Q4 2024 | -$102.2M | -$101.4M |
UVE's free cash flow was $360M over the past year, up 44% from the year before. Free cash flow isn't a meaningful measure for financial services companies like UVE.
BLK Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.1% | -148K shares |
| 1 year | -0.4% | -677K shares |
| 3 years | +9.3% | +14M shares |
| 5 years | +6.2% | +9.6M shares |
| Available history | +4.4% | +7M shares |
BLK has the edge over UVE on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q2 2025 | $396M |
| Q1 2025 | $657M |
| Q4 2024 | $386M |
| Q2 2024 | $519M |
| Q1 2024 | $634M |
| Q4 2023 | $384M |
| Q3 2023 | $396M |
| Q2 2023 | $383M |
UVE Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.5% | +142K shares |
| 1 year | +1.3% | +377K shares |
| 3 years | -1.5% | -432K shares |
| 5 years | -6.9% | -2.2M shares |
| Available history | -15% | -5M shares |
UVE has 29M diluted shares, up 1.3% from a year ago, despite $26M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $7.5M |
| Q2 2026 | $4.5M |
| Q1 2026 | $7.1M |
| Q4 2025 | $6.9M |
| Q3 2025 | $8.1M |
| Q2 2025 | $7.4M |
| Q1 2025 | — |
| Q4 2024 | $7.7M |
UVE spent $26M buying back its own shares over the past year, up 12% from the year before.
BLK Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.0x | Net Cash |
| Q2 2026 | 0.2x | Very low |
| Q1 2026 | 0.3x | Very low |
| Q4 2025 | 0.2x | Very low |
| Q3 2025 | 0.3x | Very low |
| Q2 2024 | 0.2x | Very low |
| Q1 2024 | 0.3x | Very low |
| Q4 2023 | 0.1x | Very low |
BLK has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like BLK.
UVE Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -1.5x | Net Cash |
| Q2 2026 | -1.5x | Net Cash |
| Q1 2026 | -1.9x | Net Cash |
| Q4 2025 | -1.3x | Net Cash |
| Q3 2025 | -1.9x | Net Cash |
| Q2 2025 | -2.9x | Net Cash |
| Q1 2025 | -3.2x | Net Cash |
| Q4 2024 | -1.9x | Net Cash |
UVE has the edge over BLK on leverage, with a lower net debt burden relative to earnings.
BLK Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 64.5 | Neutral |
| Stochastic | 79.0 | Neutral |
BLK's weekly RSI is 64 (neutral) and its Stochastic is 79 (neutral).
UVE Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 66.3 | Neutral |
| Stochastic | 69.2 | Neutral |
UVE's weekly RSI is 66 (neutral) and its Stochastic is 69 (neutral).
BLK PE vs Financial Services Sector
| Metric | BLK | Sector median | Relative |
|---|---|---|---|
| PE | 28x | 13x | 113% above |
| PE % | 97 | 63 | 34 pts above |
BLK is trading at 28x earnings, a 113% premium to the Financial Services sector's median of 13x.
UVE PE vs Financial Services Sector
| Metric | UVE | Sector median | Relative |
|---|---|---|---|
| PE | 6.1x | 13x | 53% below |
| PE % | 10 | 63 | 53 pts below |
UVE has the edge over BLK on valuation relative to its sector.
BLK Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $1,128.0 | 7.9% above |
| 20 week MA | $1,108.9 | 9.7% above |
| 50 week MA | $1,071.6 | 14% above |
| 100 week MA | $1,051.1 | 16% above |
| 200 week MA | $914.1 | 33% above |
BLK is in an uptrend: it's above all five of its weekly moving averages, and 33% above its 200-week average.
UVE Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $46.5 | 4.5% above |
| 20 week MA | $44.3 | 9.5% above |
| 50 week MA | $38.5 | 26% above |
| 100 week MA | $31.7 | 53% above |
| 200 week MA | $24.6 | 98% above |
UVE is in an uptrend: it's above all five of its weekly moving averages, and 98% above its 200-week average.
BLK Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $503.0 | $707.2 | +41% |
| 2021 | $707.2 | $913.9 | +29% |
| 2022 | $913.9 | $703.9 | -23% |
| 2023 | $703.9 | $811.8 | +15% |
| 2024 | $811.8 | $1,044.2 | +29% |
| 2025 | $1,044.2 | $1,088.1 | +4.2% |
| 2026 YTD | $1,088.1 | $1,216.6 | +12% |
BLK has finished higher in five of the last six years. It's up 12% so far in 2026.
UVE Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $28.0 | $14.8 | -47% |
| 2021 | $14.8 | $16.8 | +14% |
| 2022 | $16.8 | $11.0 | -35% |
| 2023 | $11.0 | $16.0 | +46% |
| 2024 | $16.0 | $20.6 | +29% |
| 2025 | $20.6 | $33.8 | +64% |
| 2026 YTD | $33.8 | $48.6 | +44% |
UVE has the edge over BLK on returns for 2026, with the stronger performance.