UVE · Universal Insurance Holdings, Inc. - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $393.56M | - | $400.98M | $400.14M | $394.87M | - | $387.55M | $380.21M | $367.96M | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | $87.24M | - | $87.10M | $87.11M | $78.67M | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | $51.0K | - | $50.0K | $75.0K | $75.0K | - | $49.0K | $47.0K | $46.0K | - |
| Operating Income | $71.69M | - | $52.78M | $46.39M | $55.46M | - | ($18.12M) | $47.91M | $47.48M | - |
| Interest Expense | $1.59M | - | $1.62M | $1.62M | $1.62M | - | $1.62M | $1.62M | $1.62M | - |
| Income Tax | $17.40M | - | $12.95M | $11.29M | $14.02M | - | ($1.96M) | $12.49M | $13.83M | - |
| Net Income | $54.29M | - | $39.83M | $35.09M | $41.44M | - | ($16.16M) | $35.42M | $33.66M | - |
| EPS - Basic | $1.96 | - | $1.43 | $1.25 | $1.48 | - | ($0.57) | $1.24 | $1.17 | - |
| EPS - Diluted | $1.88 | - | $1.38 | $1.21 | $1.44 | - | ($0.57) | $1.21 | $1.14 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $595.77M | $408.87M | $405.11M | $367.11M | $398.18M | $259.44M | $333.68M | $283.26M | $396.32M | $397.31M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $2.77B | $2.84B | $3.09B | $3.28B | $2.71B | $2.84B | $2.65B | $2.68B | $2.12B | $2.32B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | $100.29M | $100.48M | $100.67M | $100.86M | $101.05M | $101.24M | $101.43M | $101.63M | $101.81M | $102.01M |
| Total Liabilities | $2.18B | $2.29B | $2.59B | $2.82B | $2.29B | $2.47B | $2.25B | $2.29B | $1.76B | $1.98B |
| Stockholders' Equity | $584.74M | $551.03M | $495.04M | $457.81M | $422.39M | $373.25M | $400.25M | $393.24M | $364.66M | $341.30M |
| Retained Earnings | $807.08M | $757.45M | $699.45M | $664.32M | $633.80M | $596.85M | $599.34M | $620.23M | $589.59M | $560.69M |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $154.82M | - | - | - | $186.77M | - | - | - | $82.92M | - |
| Investing Cash Flow | ($20.12M) | - | - | - | ($41.55M) | - | - | - | ($74.38M) | - |
| Financing Cash Flow | ($14.14M) | - | - | - | ($6.48M) | - | - | - | ($9.52M) | - |
| CapEx | $1.58M | - | - | - | $1.23M | - | - | - | $3.30M | - |
| Free Cash Flow | $153.24M | - | - | - | $185.54M | - | - | - | $79.62M | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | 18.2% | - | 13.2% | 11.6% | 14.0% | - | -4.7% | 12.6% | 12.9% | - |
| EBITDA margin | 18.2% | - | 13.2% | 11.6% | 14.1% | - | -4.7% | 12.6% | 12.9% | - |
| Net margin | 13.8% | - | 9.9% | 8.8% | 10.5% | - | -4.2% | 9.3% | 9.1% | - |
| Free cash flow margin | 38.9% | - | - | - | 47.0% | - | - | - | 21.6% | - |
| FCF / Net income | 2.82 | - | - | - | 4.48 | - | - | - | 2.37 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | 22.1% | - | 22.5% | 22.9% | 21.4% | - |
| Effective tax rate | 24.3% | - | 24.5% | 24.3% | 25.3% | - | - | 26.1% | 29.1% | - |
| Return on assets | 2.0% | - | 1.3% | 1.1% | 1.5% | - | -0.6% | 1.3% | 1.6% | - |
| Return on equity | 9.3% | - | 8.0% | 7.7% | 9.8% | - | -4.0% | 9.0% | 9.2% | - |
| Return on invested capital | 7.9% | - | 6.7% | 6.3% | 7.9% | - | -2.9% | 7.2% | 7.2% | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | 0.17 | 0.18 | 0.20 | 0.22 | 0.24 | 0.27 | 0.25 | 0.26 | 0.28 | 0.30 |
| Debt / Assets | 0.04 | 0.04 | 0.03 | 0.03 | 0.04 | 0.04 | 0.04 | 0.04 | 0.05 | 0.04 |
| Debt / EBITDA | 1.40 | - | 1.91 | 2.17 | 1.82 | - | - | 2.12 | 2.14 | - |
| Interest coverage | 44.9x | - | 32.6x | 28.6x | 34.2x | - | -11.2x | 29.5x | 29.3x | - |
| Equity multiplier | 4.74 | 5.15 | 6.24 | 7.16 | 6.43 | 7.61 | 6.62 | 6.81 | 5.81 | 6.79 |
| Liabilities / Assets | 0.79 | 0.81 | 0.84 | 0.86 | 0.84 | 0.87 | 0.85 | 0.85 | 0.83 | 0.85 |
| Efficiency | ||||||||||
| Asset turnover | 0.14 | - | 0.13 | 0.12 | 0.15 | - | 0.15 | 0.14 | 0.17 | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 18.2x | - | 19.1x | 22.9x | 16.5x | - | - | 15.5x | 17.8x | - |
| P / B | 1.7x | - | 1.5x | 1.8x | 1.6x | - | 1.6x | 1.4x | 1.6x | - |
| P / S | 2.5x | - | 1.9x | 2.0x | 1.7x | - | 1.6x | 1.4x | 1.6x | - |
| EV / EBITDA | 6.8x | - | 8.6x | 11.6x | 6.9x | - | - | 7.7x | 6.4x | - |
| Growth | ||||||||||
| Revenue growth (YoY) | -0.3% | - | 3.5% | 5.2% | 7.3% | - | 7.6% | 12.0% | 16.3% | - |
| Revenue CAGR (3y) | 7.5% | - | 8.6% | 11.1% | 11.2% | - | 10.5% | 10.8% | 11.9% | - |
| Revenue CAGR (5y) | 8.4% | - | 5.2% | 9.6% | 10.9% | - | 11.0% | 10.2% | 9.2% | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | 29.3% | - | - | -3.2% | 16.8% | - | -130.1% | 27.6% | 44.8% | - |
| Net income growth (YoY) | 31.0% | - | - | -0.9% | 23.1% | - | -173.3% | 24.0% | 39.2% | - |
| EPS growth (YoY) | 30.6% | - | - | 0.0% | 26.3% | - | -185.0% | 30.1% | 44.3% | - |
| EPS CAGR (3y) | 33.5% | - | - | 71.5% | 37.0% | - | - | 20.0% | 10.7% | - |
| EPS CAGR (5y) | 17.5% | - | - | 14.3% | 18.7% | - | - | 2.3% | 0.0% | - |
| FCF growth (YoY) | -17.4% | - | - | - | 133.0% | - | - | - | - | - |
| FCF CAGR (5y) | 20.6% | - | - | - | 35.3% | - | - | - | 26.0% | - |
| Book value growth (YoY) | 38.4% | 47.6% | 23.7% | 16.4% | 15.8% | 9.4% | 32.8% | 17.5% | 13.3% | 18.5% |
Peer comparison
Same SIC group: Fire, Marine & Casualty Insurance
Comparing UNIVERSAL INSURANCE HOLDINGS against the 5 most active filers in the same SIC group.
Dividends
$0.77/share trailing 12 months · 0.0% YoY
| Ex-date | Per share |
|---|---|
| May 8, 2026 | $0.1600 |
| Mar 6, 2026 | $0.1600 |
| Dec 5, 2025 | $0.2900 |
| Aug 1, 2025 | $0.1600 |
| May 9, 2025 | $0.1600 |
| Mar 7, 2025 | $0.1600 |
| Dec 6, 2024 | $0.2900 |
| Aug 2, 2024 | $0.1600 |
| May 9, 2024 | $0.1600 |
| Mar 7, 2024 | $0.1600 |
| Dec 7, 2023 | $0.2900 |
| Aug 3, 2023 | $0.1600 |
| May 11, 2023 | $0.1600 |
| Mar 8, 2023 | $0.1600 |
| Dec 8, 2022 | $0.2900 |
| Aug 1, 2022 | $0.1600 |
| May 12, 2022 | $0.1600 |
| Mar 9, 2022 | $0.1600 |
| Dec 9, 2021 | $0.2900 |
| Jul 30, 2021 | $0.1600 |
| May 13, 2021 | $0.1600 |
| Mar 10, 2021 | $0.1600 |
| Dec 10, 2020 | $0.2900 |
| Jul 30, 2020 | $0.1600 |