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 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | $1.60B | $1.52B | $1.39B | $1.22B | $1.12B | $1.07B |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | $342.08M | $304.07M | $304.90M | $314.23M | $289.73M |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | $6.30M | $6.20M | $7.10M | $7.10M | $6.60M | $4.70M |
| Operating Income | $243.07M | $84.61M | $88.35M | ($27.25M) | $28.41M | $24.23M |
| Interest Expense | $6.42M | $6.48M | $6.53M | $6.61M | $638.0K | $100.0K |
| Income Tax | $60.12M | $25.68M | $21.53M | ($4.99M) | $8.01M | $5.13M |
| Net Income | $182.95M | $58.93M | $66.82M | ($22.26M) | $20.41M | $19.11M |
| EPS - Basic | $6.56 | $2.07 | $2.24 | ($0.72) | $0.65 | $0.60 |
| EPS - Diluted | $6.32 | $2.01 | $2.22 | ($0.72) | $0.65 | $0.60 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $408.87M | $259.44M | $397.31M | $388.71M | $250.51M | $167.16M |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $2.84B | $2.84B | $2.32B | $2.89B | $2.06B | $1.76B |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | $100.48M | $101.24M | $102.01M | $102.77M | $8.46M | - |
| Total Liabilities | $2.29B | $2.47B | $1.98B | $2.60B | $1.63B | $1.31B |
| Stockholders' Equity | $551.03M | $373.25M | $341.30M | $287.90M | $429.70M | $449.26M |
| Retained Earnings | $757.45M | $596.85M | $560.69M | $517.46M | $563.71M | $567.51M |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $381.49M | $137.36M | $70.97M | $324.51M | $234.38M | $29.35M |
| Investing Cash Flow | ($113.61M) | ($228.09M) | ($15.25M) | ($148.86M) | ($229.40M) | $22.04M |
| Financing Cash Flow | ($52.12M) | ($47.13M) | ($47.12M) | ($37.46M) | $68.30M | ($56.26M) |
| CapEx | $4.44M | $7.37M | $4.02M | $4.90M | $7.23M | $17.22M |
| Free Cash Flow | $377.06M | $129.99M | $66.95M | $319.62M | $227.15M | $12.13M |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | 15.2% | 5.6% | 6.3% | -2.2% | 2.5% | 2.3% |
| EBITDA margin | 15.5% | 6.0% | 6.9% | -1.6% | 3.1% | 2.7% |
| Net margin | 11.4% | 3.9% | 4.8% | -1.8% | 1.8% | 1.8% |
| Free cash flow margin | 23.5% | 8.5% | 4.8% | 26.1% | 20.2% | 1.1% |
| FCF / Net income | 2.06 | 2.21 | 1.00 | -14.36 | 11.13 | 0.64 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | 22.5% | 21.9% | 24.9% | 28.0% | 27.0% |
| Effective tax rate | 24.7% | 30.4% | 24.4% | - | 28.2% | 21.2% |
| Return on assets | 6.4% | 2.1% | 2.9% | -0.8% | 1.0% | 1.1% |
| Return on equity | 33.2% | 15.8% | 19.6% | -7.7% | 4.7% | 4.3% |
| Return on invested capital | 28.1% | 12.4% | 15.1% | -5.5% | 4.7% | - |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | 0.18 | 0.27 | 0.30 | 0.36 | 0.02 | - |
| Debt / Assets | 0.04 | 0.04 | 0.04 | 0.04 | 0.00 | - |
| Debt / EBITDA | 0.40 | 1.11 | 1.07 | - | 0.24 | - |
| Interest coverage | 37.8x | 13.1x | 13.5x | -4.1x | 44.5x | 242.3x |
| Equity multiplier | 5.15 | 7.61 | 6.79 | 10.04 | 4.79 | 3.91 |
| Liabilities / Assets | 0.81 | 0.87 | 0.85 | 0.90 | 0.79 | 0.74 |
| Efficiency | ||||||
| Asset turnover | 0.56 | 0.54 | 0.60 | 0.42 | 0.55 | 0.61 |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 5.3x | 10.5x | 7.2x | - | 26.2x | 25.2x |
| P / B | 1.8x | 1.7x | 1.4x | 1.1x | 1.2x | 1.1x |
| P / S | 0.6x | 0.4x | 0.3x | 0.3x | 0.5x | 0.5x |
| EV / EBITDA | 2.7x | 5.0x | 2.0x | - | 8.3x | 10.9x |
| Growth | ||||||
| Revenue growth (YoY) | 5.5% | 9.3% | 13.8% | 9.0% | 4.6% | 14.2% |
| Revenue CAGR (3y) | 9.5% | 10.7% | 9.1% | 9.2% | 10.8% | 12.6% |
| Revenue CAGR (5y) | 8.4% | 10.1% | 11.1% | 10.2% | 10.4% | 14.4% |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | 187.3% | -4.2% | - | - | 17.3% | -61.9% |
| Net income growth (YoY) | 210.5% | -11.8% | - | - | 6.8% | -58.9% |
| EPS growth (YoY) | 214.4% | -9.5% | - | - | 8.3% | -55.9% |
| EPS CAGR (3y) | - | 45.7% | 54.7% | - | -41.6% | -41.5% |
| EPS CAGR (5y) | 60.1% | 8.1% | -7.5% | - | -25.3% | -27.4% |
| FCF growth (YoY) | 190.1% | 94.2% | -79.1% | 40.7% | 1772.3% | -94.8% |
| FCF CAGR (5y) | 98.8% | -11.1% | -21.4% | 5.9% | 15.0% | -43.3% |
| Book value growth (YoY) | 47.6% | 9.4% | 18.5% | -33.0% | -4.4% | -9.0% |
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
7/9
Strong
- ✓Net income positive
- ✓Operating cash flow positive
- ✓ROA improved YoY
- ✓Cash flow > net income
- ✓Long-term debt decreased
- -Current ratio improved
- ✓No share dilution
- -Gross margin improved
- ✓Asset turnover improved
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 |