Universal Insurance Holdings, Inc. (UVE) Earnings History
Annual and quarterly earnings data from 1991 to 2025
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UVE EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
UVE Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 38.2% | 15.2% | 11.5% |
| 2024 | 13.1% | 5.6% | 3.9% |
| 2023 | 13.7% | 6.3% | 4.8% |
| 2022 | 5.7% | -2.2% | -1.8% |
| 2021 | 10.4% | 2.5% | 1.8% |
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Universal Insurance Holdings, Inc. (UVE) Earnings Overview
As of May 8, 2026, Universal Insurance Holdings, Inc. (UVE) reported trailing twelve-month net income of $183M, reflecting +214.4% year-over-year growth. The company earned $6.35 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 ($314M net income, 33.2% margin), HRTG ($196M 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% |
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Start ComparisonUVE — Frequently Asked Questions
Quick answers to the most common questions about buying UVE stock.
Is UVE growing earnings?
UVE EPS is $6.35, with earnings growth accelerating to +214.4%. This exceeds the 5-year CAGR of +60.1%. TTM net income reached $183M.
What are UVE's profit margins?
Universal Insurance Holdings, Inc. net margin is +11.5%, with operating margin at +15.2%. Margins sit within typical range for the sector.
How consistent are UVE's earnings?
UVE earnings data spans 1991-2025. The accelerating earnings trend is +214.4% YoY. Historical data enables comparison across business cycles.