Universal Insurance Holdings, Inc. (UVE) Earnings History
Elite Compounder35 years of earnings data (1991–2025) · 5-year EPS CAGR exceeds 18% — top-tier earnings quality
Loading earnings history...
Universal Insurance Holdings, Inc. (UVE) Earnings Overview
As of June 29, 2026, Universal Insurance Holdings, Inc. (UVE) reported trailing twelve-month net income of $196M, reflecting +214.4% year-over-year growth. The company earned $6.80 per diluted share over the past four quarters, with a net profit margin of 11.5%.
Looking at the long-term picture, UVE's 5-year EPS compound annual growth rate (CAGR) stands at +60.1%, indicating exceptional earnings growth. The company achieved its highest annual net income of $183M in fiscal 2025, representing a new all-time high.
Universal Insurance Holdings, Inc. maintains positive profitability with a gross margin of 38.2%, operating margin of 15.2%, and net margin of 11.5%. The company continues to generate positive earnings from operations. View revenue history →
Compared to peers including HCI ($303M net income, 33.2% margin), HRTG ($202M net income, 23.1% margin), ALL ($12.14B net income, 15.5% margin), UVE has room to improve margins relative to the peer group. Compare UVE vs HCI →
UVE Earnings vs Peers
Earnings metrics vs comparable public companies
UVE Historical Earnings Data (1991–2025)
34 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $183M | +210.5% | $243M | $6.32 | 11.5% | 15.2% |
| 2024 | $59M | -11.8% | $85M | $2.01 | 3.9% | 5.6% |
| 2023 | $67M | +400.2% | $88M | $2.22 | 4.8% | 6.3% |
| 2022 | -$22M | -209.1% | -$27M | $-0.72 | -1.8% | -2.2% |
| 2021 | $20M | +6.8% | $28M | $0.65 | 1.8% | 2.5% |
| 2020 | $19M | -58.9% | $24M | $0.60 | 1.8% | 2.3% |
| 2019 | $47M | -60.3% | $64M | $1.36 | 5.0% | 6.8% |
| 2018 | $117M | +9.5% | $153M | $3.27 | 14.2% | 18.6% |
| 2017 | $107M | +7.6% | $170M | $2.99 | 14.2% | 22.7% |
| 2016 | $99M | -6.6% | $163M | $2.79 | 14.5% | 23.8% |
| 2015 | $106M | +45.9% | $175M | $2.97 | 19.5% | 32.0% |
| 2014 | $73M | +23.8% | $128M | $2.08 | 19.8% | 34.6% |
| 2013 | $59M | +94.6% | $101M | $1.56 | 19.6% | 33.4% |
| 2012 | $30M | +50.7% | $53M | $0.75 | 11.2% | 19.5% |
| 2011 | $20M | -45.6% | $34M | $0.50 | 8.9% | 14.9% |
| 2010 | $37M | +28.5% | $62M | $0.91 | 15.4% | 26.0% |
| 2009 | $29M | -28.1% | $46M | $0.71 | 13.7% | 21.9% |
| 2008 | $40M | -25.9% | $66M | $0.99 | 21.9% | 36.1% |
| 2007 | $54M | +214.2% | $90M | $1.31 | 28.6% | 47.5% |
| 2006 | $17M | +164.1% | $27M | $0.44 | 26.4% | 41.0% |
| 2005 | $7M | +2601.3% | $6M | $0.19 | 33.1% | 30.8% |
| 2004 | $-260,133 | +7.6% | $-260,133 | $-0.01 | -3.3% | -3.3% |
| 2003 | $-281,528 | -496.2% | $-281,528 | $-0.01 | -4.3% | -4.3% |
| 2002 | $71,051 | +102.3% | $71,051 | $0.01 | 0.8% | 0.8% |
| 2001 | -$3M | -104.2% | $5M | $-0.21 | -22.6% | 35.2% |
| 2000 | -$1M | -224.0% | $3M | $-0.10 | -16.3% | 29.2% |
| 1999 | $1M | -42.9% | $1M | $0.08 | 14.8% | 14.8% |
| 1998 | $2M | +187.5% | $2M | $0.13 | 24.7% | 24.7% |
| 1996 | -$2M | -60.0% | $-300,000 | $-0.11 | -2400.0% | -300.0% |
| 1995 | -$2M | -15.4% | -$1M | $-0.07 | -375.0% | -300.0% |
| 1994 | -$1M | +7.1% | -$1M | $-0.06 | -130.0% | -100.0% |
| 1993 | -$1M | -40.0% | $-700,000 | $-0.06 | -116.7% | -58.3% |
| 1992 | -$1M | -100.0% | $-800,000 | $-0.05 | -250.0% | -200.0% |
| 1991 | $-500,000 | - | $-300,000 | $-0.02 | -500.0% | -300.0% |
Download Data
Export UVE earnings history in CSV or JSON format
Free sign-in required to download data
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
Historical Returns
35+ years return with dividends reinvested.
DCA Calculator
See how regular investing compounds over time.
Peer Comparison
Compare growth, multiples, and margins vs sector.
UVE — Frequently Asked Questions
Quick answers to the most common questions about buying UVE stock.
What is UVE earnings per share (EPS)?
UVE trailing twelve-month (TTM) diluted EPS is $6.80, reflecting +214.4% year-over-year growth. The 5-year EPS CAGR is +60.1%. Complete EPS history from 1991 to 2025 is available in the table on this page.
What is Universal Insurance Holdings, Inc.'s net income?
Universal Insurance Holdings, Inc. (UVE) trailing twelve-month net income is $196M as of 2025. Earnings grew +214.4% year-over-year. Universal Insurance Holdings, Inc. has been profitable for 3 consecutive years.
Is UVE profitable?
Yes, UVE is profitable with a TTM net income of $196M and a net profit margin of +11.5%. Universal Insurance Holdings, Inc. has generated profits for 3 consecutive years.
What is UVE's earnings growth rate?
UVE compound annual EPS growth rates (CAGR): 1-Year: +214.4%, 3-Year: N/A, 5-Year: +60.1%, 10-Year: +7.8%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1991 to 2025.
What are UVE's profit margins?
Universal Insurance Holdings, Inc. net profit margin is +11.5%, operating margin is +15.2%, and gross margin is +38.2%. Margins are within a typical range for the sector. Return on Equity is +39.6%.
Is UVE growing earnings?
Yes, UVE earnings are accelerating — EPS growth of +214.4% exceeds the 5-year CAGR of +60.1%. TTM net income reached $196M. Earnings momentum is strengthening.
What was UVE's best earnings year?
Universal Insurance Holdings, Inc.'s highest annual net income on record is $183M, achieved in fiscal year 2025. Earnings history on this page spans 1991 to 2025 and includes all annual and quarterly figures.
What were UVE's earnings last quarter?
UVE's most recent reported quarter was Q1 2026. Net income was $54M with diluted EPS of $1.88. For a full breakdown of all quarters, see the quarterly earnings table on this page.