Last 47 quarters of trend data · Financial Services · Insurance - Property & Casualty
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Universal Insurance Holdings, Inc.'s quarterly P/E stands at 3.7x, down 85.4% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has compressed 88.0% YoY to 1.6x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 6.41 | 3.66 | 4.76 | 5.73 | 4.11 | 25.07 | — | 3.88 | 4.46 | 5.88 | — | 4.15 | 5.77 |
| — | -85.4% | — | +47.8% | -7.7% | +326.7% | — | -6.6% | -22.7% | +82.0% | — | -69.4% | -4.3% | |
| P/S Ratio | 0.71 | 0.60 | 0.47 | 0.50 | 0.43 | 0.40 | 0.41 | 0.36 | 0.41 | 0.31 | 0.29 | 0.35 | 0.44 |
| — | +50.5% | +16.5% | +37.9% | +6.4% | +27.0% | +40.6% | +3.8% | -7.9% | +28.2% | +19.7% | +1.1% | +20.3% | |
| P/B Ratio | 2.12 | 1.77 | 1.53 | 1.74 | 1.61 | 1.64 | 1.57 | 1.40 | 1.64 | 1.38 | 1.38 | 1.41 | 1.73 |
| — | +7.6% | -2.5% | +24.7% | -1.4% | +19.0% | +14.0% | -1.1% | -5.5% | +22.9% | +19.1% | +28.8% | +63.1% | |
| P/FCF | 3.02 | 9.74 | 3.09 | 1.90 | 0.92 | — | 1.94 | 2.01 | 1.88 | — | 1.52 | 2.34 | — |
| — | — | +59.3% | -5.7% | -51.0% | — | +27.5% | -14.1% | — | — | — | +484.2% | — | |
| EV / EBITDA | 3.04 | 1.56 | 2.09 | 2.78 | 1.69 | 12.96 | — | 1.87 | 1.55 | 1.74 | — | 2.16 | 2.98 |
| — | -88.0% | — | +49.1% | +9.3% | +644.2% | — | -13.8% | -48.0% | +538.2% | — | -43.8% | -20.7% | |
| EV / EBIT | 3.12 | 1.66 | 2.09 | 2.78 | 1.69 | 12.96 | — | 1.87 | 1.55 | 1.74 | — | 2.16 | 2.98 |
| — | -87.2% | — | +49.1% | +9.3% | +644.2% | — | -13.8% | -48.0% | +538.2% | — | -43.8% | -20.7% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Universal Insurance Holdings, Inc.'s operating margin was 21.8% in Q4 2025, up 8.6 pp QoQ and up 19.9 pp YoY. This marks the 3rd consecutive quarter of margin expansion, signaling a sustained improvement in operating efficiency. The trailing four-quarter average of 15.1% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 398.9% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 38.2% | 45.1% | 21.2% | 19.5% | 21.2% | 9.0% | 3.1% | 21.0% | 19.8% | 13.2% | 5.2% | 18.8% | 18.5% |
| — | +398.9% | +589.3% | -7.4% | +7.0% | -31.4% | -41.3% | +12.0% | +7.0% | -23.5% | +122.7% | +46.0% | +11.8% | |
| Operating Margin | 15.2% | 21.8% | 13.2% | 11.6% | 14.0% | 1.9% | -4.7% | 12.6% | 12.9% | 6.9% | -2.2% | 11.1% | 10.4% |
| — | +1041.5% | +381.5% | -8.0% | +8.8% | -72.3% | -113.7% | +14.0% | +24.6% | -30.6% | +92.7% | +202.3% | +32.5% | |
| Net Margin | 11.5% | 16.4% | 9.9% | 8.8% | 10.5% | 1.6% | -4.2% | 9.3% | 9.1% | 5.3% | -1.6% | 8.4% | 7.6% |
| — | +948.8% | +338.2% | -5.8% | +14.7% | -70.6% | -153.9% | +10.7% | +19.8% | -29.9% | +92.9% | +233.3% | +25.2% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 39.6% | 12.7% | 8.4% | 8.0% | 10.4% | 1.6% | -4.1% | 9.3% | 9.5% | 6.2% | -1.9% | 8.7% | 7.9% |
| — | +718.1% | +305.2% | -14.7% | +9.2% | -75.0% | -119.1% | +7.4% | +20.2% | -32.0% | +91.9% | +350.4% | +86.7% | |
| ROA | 7.0% | 2.4% | 1.3% | 1.2% | 1.5% | 0.2% | -0.6% | 1.5% | 1.5% | 0.8% | -0.2% | 1.0% | 0.9% |
| — | +1017.0% | +306.3% | -20.6% | -1.7% | -73.3% | -180.8% | +41.3% | +70.8% | -1.7% | +91.8% | +192.8% | -3.6% | |
| ROIC | 93.8% | 36.4% | 20.7% | 22.0% | 24.4% | 2.9% | -7.2% | 25.5% | 54.5% | 29.2% | -4.4% | 15.2% | 28.3% |
| — | +1166.3% | +389.3% | -13.9% | -55.1% | -90.2% | -64.6% | +68.1% | +92.5% | -63.7% | +93.4% | +361.3% | +418.1% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Universal Insurance Holdings, Inc.'s Debt/EBITDA ratio is 1.1x, down from 1.9x last quarter — comfortably within a safe range. The current ratio has improved 664.5% YoY to 19.39x, strengthening the short-term liquidity position. Debt/Equity has declined for 5 consecutive quarters, reflecting a deleveraging trend.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.18 | 0.18 | 0.20 | 0.22 | 0.24 | 0.27 | 0.25 | 0.26 | 0.28 | 0.34 | 0.38 | 0.47 | 0.56 |
| — | -32.8% | -19.8% | -14.7% | -14.3% | -20.6% | -33.2% | -44.6% | -50.2% | -4.3% | -6.8% | +65.9% | +114.7% | |
| Debt / EBITDA | 0.40 | 1.05 | 1.86 | 2.11 | 1.78 | 11.53 | — | 2.06 | 2.08 | 4.26 | — | 4.01 | 5.26 |
| — | -90.9% | — | +2.4% | -14.6% | +170.5% | — | -48.6% | -60.5% | +42.3% | — | -52.5% | +21.7% | |
| Current Ratio | 19.39 | 19.39 | — | — | — | 2.54 | 2.11 | — | — | — | — | — | — |
| — | +664.5% | — | — | — | — | — | — | — | — | — | — | — | |
| Quick Ratio | 19.39 | 19.39 | — | — | — | 2.54 | 2.08 | — | — | — | — | — | — |
| — | +664.5% | — | — | — | — | — | — | — | — | — | — | — | |
| Interest Coverage | 51.63 | 166.76 | 38.01 | 33.42 | 39.65 | 6.12 | -11.57 | 34.13 | 33.86 | 18.76 | -4.42 | 26.85 | 23.47 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Universal Insurance Holdings, Inc.'s current P/E is 6.4x. The average P/E over the last 4 quarters is 4.6x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Universal Insurance Holdings, Inc.'s current operating margin is 15.2%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Universal Insurance Holdings, Inc.'s business trajectory between earnings reports.