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Universal Insurance Holdings, Inc.(UVE)Earnings, Financials & Key Ratios
UVE•NYSE•Insurance & Managed Care
$40.32
$1.13B mkt cap·6.4× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryProperty & Casualty InsuranceSub-IndustryPersonal auto and homeowners insurers
AboutUniversal Insurance Holdings, Inc., together with its subsidiaries, operates as an integrated insurance holding company in the United States. The company develops, markets, and underwrites insurance products for personal residential insurance, such as homeowners, renters/tenants, condo unit owners, and dwelling/fire; and offers allied lines, coverage for other structures, and personal property, liability, and personal articles coverages. It also advises on actuarial issues, oversees distribution, administers claims payments, performs policy administration and underwriting, and assists with reinsurance negotiations; places and manages reinsurance programs for the insurance entities; and operates Clovered.com, an online platform in which consumers receive side-by-side quotes from various carriers across multiple states, as well as educational materials about homeowners' insurance policies. It offers its products through a network of independent agents, as well as Universal Direct, a direct-to-consumer online platform, which enables homeowners to directly purchase, pay for, and bind homeowners' policies. The company was formerly known as Universal Heights, Inc. and changed its name to Universal Insurance Holdings, Inc. in January 2001. Universal Insurance Holdings, Inc. was incorporated in 1990 and is headquartered in Fort Lauderdale, Florida.Show more
- Revenue$1.6B+4.9%
- Combined Ratio84.77%-10.2%
- Net Income$183M+210.5%
- Return on Equity39.59%+140.0%
- Medical Cost Ratio61.79%-28.9%
- Operating Margin15.23%+173.8%
- Net Margin11.47%+195.9%
- ROA7.04%+208.3%
- Equity / Assets23.43%+78.4%
- Book Value per Share19.13+50.0%
- Tangible BV/Share19.05+121.2%
- Debt/Equity0.18-32.8%
UVE Key Insights
Universal Insurance Holdings, Inc. (UVE) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Profitable underwriting: 84.8% combined ratio
- ✓Excellent 3Y average ROE of 25.8%
- ✓Strong 5Y profit CAGR of 57.1%
- ✓Strong Piotroski F-Score: 8/9
- ✓Momentum leader: RS Rating 81 (top 19%)
- ✓Trading near 52-week high
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
UVE Price & Volume
Universal Insurance Holdings, Inc. (UVE) stock price & volume — 10-year historical chart
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UVE Growth Metrics
Universal Insurance Holdings, Inc. (UVE) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years11.31%
5 Years8.26%
3 Years9.28%
TTM5.36%
Profit CAGR
10 Years5.56%
5 Years57.12%
3 Years-
TTM210.47%
EPS CAGR
10 Years7.84%
5 Years60.14%
3 Years-
TTM218.59%
Return on Capital
10 Years6.68%
5 Years3.89%
3 Years6.3%
Last Year10.73%
UVE Recent Earnings
Universal Insurance Holdings, Inc. (UVE) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 12/12 qtrs (100%)●Beat Revenue 11/12 qtrs (92%)
Q2 2026Latest
Apr 23, 2026EPS
$2.00
Est $1.39
+43.9%
Revenue
$507M
Est $481M
+5.3%
Q1 2026
Feb 24, 2026EPS
$2.17
Est $1.30
+66.9%
Revenue
$484M
Est $485M
-0.3%
Q4 2025
Oct 23, 2025EPS
$1.36
Est $1.10
+23.6%
Revenue
$401M
Est $373M
+7.5%
Q3 2025
Jul 24, 2025EPS
$1.23
Est $1.09
+12.8%
Revenue
$400M
Est $364M
+9.9%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $2.00vs $1.39+43.9% | $507Mvs $481M+5.3% |
| Q1 2026 | Feb 24, 2026 | $2.17vs $1.30+66.9% | $484Mvs $485M-0.3% |
| Q4 2025 | Oct 23, 2025 | $1.36vs $1.10+23.6% | $401Mvs $373M+7.5% |
| Q3 2025 | Jul 24, 2025 | $1.23vs $1.09+12.8% | $400Mvs $364M+9.9% |
Based on last 12 quarters of dataView full earnings history →
UVE Peer Comparison
Universal Insurance Holdings, Inc. (UVE) competitors in Personal auto and homeowners insurers — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 HCI | 2B | 154.14 | 6.20 | 20.21% | 33.16% | 36.22% | 0.06 | |
 HRTG | 887.78M | 28.72 | 14.29 | 11.08% | 17.72% | 41.44% | 0.49 | |
 ALL | 56.1B | 217.92 | 5.71 | 4.64% | 18.09% | 42.74% | 0.24 | |
 TRV | 65.22B | 301.59 | 10.99 | 5.17% | 12.88% | 19.12% | 0.28 | |
 CB | 125.61B | 321.90 | 12.51 | 6.47% | 17.25% | 13.62% | 0.28 | |
 PGR | 115.34B | 196.80 | 13.67 | 21.36% | 12.58% | 30.23% | 0.27 | |
 CINF | 24.98B | 160.43 | 10.58 | 11.41% | 21.34% | 17.98% | 0.06 | |
 KMPR | 1.92B | 32.74 | 14.30 | 3.62% | 0.83% | 1.43% | 0.38 |
Compare UVE vs Peers
Universal Insurance Holdings, Inc. (UVE) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
UVE Income Statement
Universal Insurance Holdings, Inc. (UVE) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 751.92M | 823.82M | 939.35M | 1.07B | 1.12B | 1.22B | 1.39B | 1.52B | 1.6B |
| Revenue Growth % | 9.72% | 9.56% | 14.02% | 14.2% | 4.58% | 8.99% | 13.82% | 9.27% | 4.94% |
| Medical Costs & Claims | 489.27M | 571.78M | 780.94M | 957.91M | 1.01B | 1.15B | 1.2B | 1.32B | 985.88M |
| Medical Cost Ratio % | 65.07% | 69.41% | 83.14% | 89.29% | 89.62% | 94.27% | 86.28% | 86.86% | 61.79% |
| Gross Profit | 262.64M▲ 0% | 252.03M▼ 4.0% | 158.41M▼ 37.1% | 114.86M▼ 27.5% | 116.48M▲ 1.4% | 70M▼ 39.9% | 190.94M▲ 172.8% | 199.73M▲ 4.6% | 609.72M▲ 205.3% |
| Gross Margin % | 34.93% | 30.59% | 16.86% | 10.71% | 10.38% | 5.73% | 13.72% | 13.14% | 38.21% |
| Gross Profit Growth % | 1.77% | -4.04% | -37.15% | -27.5% | 1.41% | -39.9% | 172.76% | 4.6% | 205.28% |
| Operating Expenses | 92.16M | 99.16M | 94.9M | 90.63M | 88.07M | 97.25M | 102.59M | 115.11M | 366.65M |
| OpEx / Revenue % | 12.26% | 12.04% | 10.1% | 8.45% | 7.85% | 7.95% | 7.37% | 7.57% | 22.98% |
| Depreciation & Amortization | 4.06M | 4.82M | 4.96M | 5.11M | 6.91M | 7.3M | 7.31M | 6.12M | 7.07M |
| Combined Ratio % | 77.33% | 81.44% | 93.24% | 97.74% | 97.47% | 102.23% | 93.65% | 94.44% | 84.77% |
| Operating Income | 170.48M▲ 0% | 152.87M▼ 10.3% | 63.52M▼ 58.5% | 24.23M▼ 61.9% | 28.41M▲ 17.3% | -27.25M▼ 195.9% | 88.35M▲ 424.3% | 84.61M▼ 4.2% | 243.07M▲ 187.3% |
| Operating Margin % | 22.67% | 18.56% | 6.76% | 2.26% | 2.53% | -2.23% | 6.35% | 5.56% | 15.23% |
| Operating Income Growth % | 4.67% | -10.33% | -58.45% | -61.85% | 17.26% | -195.9% | 424.25% | -4.23% | 187.28% |
| EBITDA | 174.54M | 157.69M | 68.47M | 29.34M | 35.33M | -19.95M | 95.66M | 90.73M | 250.14M |
| EBITDA Margin % | 23.21% | 19.14% | 7.29% | 2.73% | 3.15% | -1.63% | 6.87% | 5.97% | 15.68% |
| Interest Expense | 0 | 0 | 0 | 95K | 582K | 5.91M | 5.82M | 5.77M | 4.83M |
| Non-Operating Income | 0 | 0 | 0 | -95K | -582K | -5.91M | -5.82M | -5.77M | -6.42M |
| Pretax Income | 170.48M▲ 0% | 152.87M▼ 10.3% | 63.52M▼ 58.5% | 24.23M▼ 61.9% | 28.41M▲ 17.3% | -27.25M▼ 195.9% | 88.35M▲ 424.3% | 84.61M▼ 4.2% | 243.07M▲ 187.3% |
| Pretax Margin % | 22.67% | 18.56% | 6.76% | 2.26% | 2.53% | -2.23% | 6.35% | 5.56% | 15.23% |
| Income Tax | 63.55M | 35.82M | 17M | 5.13M | 8.01M | -4.99M | 21.53M | 25.68M | 60.12M |
| Effective Tax Rate % | 37.28% | 23.43% | 26.77% | 21.15% | 28.18% | 18.31% | 24.36% | 30.35% | 24.73% |
| Net Income | 106.94M▲ 0% | 117.05M▲ 9.5% | 46.51M▼ 60.3% | 19.11M▼ 58.9% | 20.41M▲ 6.8% | -22.26M▼ 209.1% | 66.82M▲ 400.2% | 58.93M▼ 11.8% | 182.95M▲ 210.5% |
| Net Margin % | 14.22% | 14.21% | 4.95% | 1.78% | 1.82% | -1.82% | 4.8% | 3.88% | 11.47% |
| Net Income Growth % | 7.57% | 9.46% | -60.26% | -58.93% | 6.82% | -209.07% | 400.23% | -11.81% | 210.47% |
| EPS (Diluted) | 2.99▲ 0% | 3.27▲ 9.4% | 1.36▼ 58.4% | 0.60▼ 55.9% | 0.65▲ 8.3% | -0.72▼ 210.8% | 2.22▲ 408.3% | 2.01▼ 9.5% | 6.32▲ 214.4% |
| EPS Growth % | 7.17% | 9.36% | -58.41% | -55.88% | 8.33% | -210.77% | 408.33% | -9.46% | 214.43% |
| EPS (Basic) | 3.07 | 3.36 | 1.37 | 0.60 | 0.65 | -0.72 | 2.24 | 2.07 | 6.56 |
| Diluted Shares Outstanding | 35.81M | 35.79M | 34.23M | 31.97M | 31.31M | 30.75M | 30.15M | 29.27M | 28.81M |
UVE Balance Sheet
Universal Insurance Holdings, Inc. (UVE) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Total Assets | 1.45B | 1.86B | 1.72B | 1.76B | 2.06B | 2.89B | 2.32B | 2.84B | 2.35B |
| Asset Growth % | 37.26% | 27.72% | -7.45% | 2.26% | 16.91% | 40.56% | -19.85% | 22.68% | -17.23% |
| Total Investment Assets | 730.02M | 883.72M | 914.59M | 919.92M | 1.09B | 1.1B | 101.68M | 1.27B | 1.53B |
| Long-Term Investments | 711.55M | 883.72M | 899M | 904.75M | 1.09B | 1.1B | 10.43M | 1.11B | 1.53B |
| Short-Term Investments | 10M | 0 | 855.28M | 819.86M | 0 | 0 | 91.25M | 159.99M | 0 |
| Total Current Assets | 471.86M | 1.48B | 0 | 0 | 501.02M | 1.47B | 491.57M | 1.61B | 553.56M |
| Cash & Equivalents | 213.49M | 166.43M | 182.11M | 167.16M | 250.51M | 388.71M | 397.31M | 259.44M | 477.84M |
| Receivables | 0 | 0 | 291.4M | 257.88M | 250.51M | 69.57M | 296.17M | 705.55M | 75.72M |
| Other Current Assets | 0 | 0 | -1.5B | -1.46B | 129.08M | 0 | -478.5M | 221.39M | 0 |
| Goodwill & Intangibles | 73.06M | 84.69M | 0 | 0 | 108.82M | 103.65M | 109.98M | 121.18M | 2.32M |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2.32M |
| Intangible Assets | 73.06M | 84.69M | 0 | 0 | 108.82M | 103.65M | 109.98M | 121.18M | 0 |
| PP&E (Net) | 32.87M | 34.99M | 41.35M | 53.57M | 53.68M | 51.4M | 47.63M | 48.65M | 49.35M |
| Other Assets | 698.98M | 922.78M | -940.35M | -958.32M | -122.83M | -1.2B | 1.68B | -1.19B | 186.75M |
| Total Liabilities | 1.02B | 1.36B | 1.23B | 1.31B | 1.63B | 2.6B | 1.98B | 2.47B | 1.8B |
| Total Debt | 12.87M | 11.4M | 100.33M | 67.86M | 130.44M | 102.77M | 116.6M | 101.24M | 100.48M |
| Net Debt | -200.62M | -155.03M | -81.78M | -99.3M | -146.83M | -285.94M | -280.7M | -158.2M | -377.36M |
| Long-Term Debt | 12.87M | 11.4M | 9.93M | 8.46M | 103.68M | 102.77M | 102.01M | 99.77M | 100.48M |
| Short-Term Debt | 36.72M | 102.84M | 90.4M | 59.4M | 26.76M | 1.47M | 14.6M | 1.47M | 101.1M |
| Total Current Liabilities | 149.96M | 199.21M | 0 | 0 | 215.42M | 1.53M | 614.94M | 634.54M | 28.55M |
| Accounts Payable | 113.25M | 96.36M | 122.58M | 10.31M | 188.66M | 403.05M | 212.84M | 220.33M | 257.24M |
| Deferred Revenue | 0 | 0 | 0 | 0 | 0 | 57.26M | 0 | 0 | 0 |
| Other Current Liabilities | -36.72M | -102.84M | -324.81M | -152.92M | -49.07M | -478.79M | 381.62M | 354.32M | -384.65M |
| Deferred Taxes | 1000K | 1000K | 0 | 0 | 1000K | 1000K | 1000K | 0 | 0 |
| Other Liabilities | 989.8M | 1.33B | -9.93M | -8.46M | 1.52B | 2.5B | -102.01M | 2.36B | 1.66B |
| Total Equity | 439.99M▲ 0% | 501.63M▲ 14.0% | 493.9M▼ 1.5% | 449.26M▼ 9.0% | 429.7M▼ 4.4% | 287.9M▼ 33.0% | 341.3M▲ 18.5% | 373.25M▲ 9.4% | 551.03M▲ 47.6% |
| Equity Growth % | 18.53% | 14.01% | -1.54% | -9.04% | -4.35% | -33% | 18.55% | 9.36% | 47.63% |
| Shareholders Equity | 439.99M | 501.63M | 493.9M | 449.26M | 429.7M | 287.9M | 341.3M | 373.25M | 551.03M |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Retained Earnings | 464.75M | 553.22M | 573.62M | 567.51M | 563.71M | 517.46M | 560.69M | 596.85M | 757.45M |
| Common Stock | 458K | 465K | 467K | 468K | 470K | 472K | 472K | 475K | 482K |
| Accumulated OCI | -6.28M | -8.01M | 20.36M | 3.34M | -15.57M | -103.78M | -74.17M | -63.17M | -26.15M |
| Return on Equity (ROE) | 26.37% | 24.86% | 9.34% | 4.05% | 4.64% | -6.2% | 21.24% | 16.49% | 39.59% |
| Return on Assets (ROA) | 8.5% | 7.07% | 2.6% | 1.1% | 1.07% | -0.9% | 2.57% | 2.28% | 7.04% |
| Equity / Assets | 30.24% | 26.99% | 28.72% | 25.54% | 20.9% | 9.96% | 14.73% | 13.13% | 23.43% |
| Debt / Equity | 0.03x | 0.02x | 0.20x | 0.15x | 0.30x | 0.36x | 0.34x | 0.27x | 0.18x |
| Book Value per Share | 12.29 | 14.02 | 14.43 | 14.05 | 13.73 | 9.36 | 11.32 | 12.75 | 19.13 |
| Tangible BV per Share | 10.25 | 11.65 | 14.43 | 14.05 | 10.25 | 5.99 | 7.67 | 8.61 | 19.05 |
UVE Cash Flow Statement
Universal Insurance Holdings, Inc. (UVE) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 245.01M | 230.1M | 84.6M | 29.35M | 234.38M | 324.51M | 70.97M | 137.36M | 381.49M |
| Operating CF Growth % | 101.83% | -6.08% | -63.23% | -65.31% | 698.62% | 38.46% | -78.13% | 93.54% | 177.74% |
| Operating CF / Revenue % | 32.58% | 27.93% | 9.01% | 2.74% | 20.89% | 26.54% | 5.1% | 9.03% | 23.91% |
| Net Income | 106.94M | 117.05M | 46.51M | 19.11M | 20.41M | -22.26M | 66.82M | 58.93M | 182.95M |
| Depreciation & Amortization | 4.06M | 4.82M | 4.96M | 5.11M | 6.91M | 7.3M | 7.31M | 6.12M | 7.07M |
| Stock-Based Compensation | 10.52M | 12.79M | 13.01M | 8.7M | 5.82M | 4.73M | 2.92M | 8.12M | 8.65M |
| Deferred Taxes | 1.31M | -3.74M | 1.97M | 2.79M | -4.27M | -12.13M | 4.41M | -2.57M | 2.57M |
| Other Non-Cash Items | 33.53M | 82.1M | -20.88M | -89.4M | -23.14M | -3.79M | 11.82M | -16.45M | -1.69M |
| Working Capital Changes | 88.67M | 17.08M | 39.03M | 83.05M | 228.65M | 350.67M | -22.31M | 83.21M | 181.94M |
| Cash from Investing | -85.71M | -212.29M | 28.33M | 22.04M | -229.4M | -148.86M | -15.25M | -228.09M | -113.61M |
| Capital Expenditures | -4.62M | -6.73M | -11.31M | -17.22M | -7.23M | -4.9M | -4.02M | -7.37M | -4.44M |
| Acquisitions | 23K | 35K | 38K | 182K | 2.75M | 34.18M | 0 | 0 | 0 |
| Purchase of Investments | -279.91M | -463.44M | -223M | -1.19B | -505.83M | -276.64M | -184.67M | -388.13M | -29.99M |
| Sale/Maturity of Investments | 206.01M | 264.22M | 252.95M | 1.23B | 271.61M | 132.59M | 173.4M | 170.06M | 345.24M |
| Other Investing | -7.2M | -6.34M | 9.65M | -7K | 9.3M | -34.09M | 42K | -2.66M | -424.41M |
| Cash from Financing | -51.55M | -64.88M | -97.24M | -56.26M | 68.3M | -37.46M | -47.12M | -47.13M | -52.12M |
| Dividends Paid | -24.01M | -25.52M | -26.12M | -24.56M | -24.2M | -23.78M | -23.29M | -22.33M | -22.18M |
| Share Repurchases | -18.14M | -25.28M | -66.19M | -28.92M | -1.61M | -11.64M | -22.02M | -21.91M | -22.37M |
| Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Debt Issuance (Net) | -1000K | -1000K | -1000K | -1000K | 1000K | -1000K | -1000K | -1000K | -1000K |
| Other Financing | -7.22M | -12.71M | -3.71M | -1.31M | -4.42M | -558K | -339K | -1.42M | -6.11M |
| Net Change in Cash | 107.76M▲ 0% | -47.06M▼ 143.7% | 15.68M▲ 133.3% | -4.87M▼ 131.1% | 73.27M▲ 1603.6% | 138.2M▲ 88.6% | 8.6M▼ 93.8% | -137.87M▼ 1703.1% | 215.76M▲ 256.5% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 105.73M | 216.12M | 169.06M | 184.74M | 179.87M | 253.14M | 391.34M | 399.94M | 262.08M |
| Cash at End | 213.49M | 169.06M | 184.74M | 179.87M | 253.14M | 391.34M | 399.94M | 262.08M | 477.84M |
| Free Cash Flow | 240.39M▲ 0% | 223.37M▼ 7.1% | 73.28M▼ 67.2% | 12.13M▼ 83.4% | 227.15M▲ 1772.3% | 319.62M▲ 40.7% | 66.95M▼ 79.1% | 129.99M▲ 94.2% | 377.06M▲ 190.1% |
| FCF Growth % | 112.41% | -7.08% | -67.19% | -83.45% | 1772.34% | 40.71% | -79.05% | 94.15% | 190.06% |
| FCF Margin % | 31.97% | 27.11% | 7.8% | 1.13% | 20.25% | 26.14% | 4.81% | 8.55% | 23.63% |
| FCF per Share | 6.71 | 6.24 | 2.14 | 0.38 | 7.26 | 10.39 | 2.22 | 4.44 | 13.09 |
UVE Key Ratios
Universal Insurance Holdings, Inc. (UVE) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Combined Ratio | 76.23% | 77.33% | 81.44% | 93.24% | 97.74% | 97.47% | 102.23% | 93.65% | 94.44% | 84.77% |
| Medical Cost Ratio | 62.34% | 65.07% | 69.41% | 83.14% | 89.29% | 89.62% | 94.27% | 86.28% | 86.86% | 61.79% |
| Return on Equity (ROE) | 29.93% | 26.37% | 24.86% | 9.34% | 4.05% | 4.64% | -6.2% | 21.24% | 16.49% | 39.59% |
| Return on Assets (ROA) | 9.68% | 8.5% | 7.07% | 2.6% | 1.1% | 1.07% | -0.9% | 2.57% | 2.28% | 7.04% |
| Equity / Assets | 35.02% | 30.24% | 26.99% | 28.72% | 25.54% | 20.9% | 9.96% | 14.73% | 13.13% | 23.43% |
| Book Value / Share | 10.41 | 12.29 | 14.02 | 14.43 | 14.05 | 13.73 | 9.36 | 11.32 | 12.75 | 19.13 |
| Debt / Equity | 0.04x | 0.03x | 0.02x | 0.20x | 0.15x | 0.30x | 0.36x | 0.34x | 0.27x | 0.18x |
| Revenue Growth | 25.39% | 9.72% | 9.56% | 14.02% | 14.2% | 4.58% | 8.99% | 13.82% | 9.27% | 4.94% |
UVE SEC Filings & Documents
Universal Insurance Holdings, Inc. (UVE) SEC filings — annual & quarterly reports (10-K, 10-Q)
UVE Frequently Asked Questions
Universal Insurance Holdings, Inc. (UVE) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Universal Insurance Holdings, Inc. (UVE) grew revenue by 4.9% over the past year. Growth has been modest.
Yes, Universal Insurance Holdings, Inc. (UVE) is profitable, generating $183.0M in net income for fiscal year 2025 (11.5% net margin).
Dividend & Returns
Yes, Universal Insurance Holdings, Inc. (UVE) pays a dividend with a yield of 1.91%. This makes it attractive for income-focused investors.
Universal Insurance Holdings, Inc. (UVE) has a return on equity (ROE) of 39.6%. This is excellent, indicating efficient use of shareholder capital.
Industry Metrics
Universal Insurance Holdings, Inc. (UVE) has a combined ratio of 84.8%. A ratio below 100% indicates underwriting profitability.
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Universal Insurance Holdings, Inc. (UVE) financial analysis — history, returns, DCA and operating performance tools
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Valuation
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