Universal Insurance Holdings, Inc. (UVE) quarterly income statement — complete revenue, gross profit & net income history
Universal Insurance Holdings, Inc. (UVE) annual income statement — 30-year revenue, gross profit & net income history
| Metric | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 |
|---|
| Revenue | 424.96M | 391.5M | 405.98M | 400.98M | 400.14M | 394.87M | 384.81M | 387.55M | 380.21M | 367.96M | 375.46M | 360.05M | 339.57M | 316.51M | 330.36M | 312.81M | 292.01M | 287.48M | 292.66M | 287.25M |
| Revenue Growth % | 6.2% | -0.85% | 5.5% | 3.46% | 5.24% | 7.31% | 2.49% | 7.64% | 11.97% | 16.26% | 13.65% | 15.1% | 16.29% | 10.1% | 12.88% | 8.9% | 4.59% | 9.41% | 7.15% | -7.83% |
| Medical Costs & Claims | 244.56M | 228.1M | 222.74M | 315.87M | 322.18M | 311.13M | 350M | 375.62M | 300.19M | 295.01M | 325.92M | 341.15M | 275.73M | 257.85M | 273.37M | 385.05M | 254.4M | 239.83M | 336.32M | 244.64M |
| Medical Cost Ratio % | 57.55% | 58.26% | 54.87% | 78.78% | 80.52% | 78.79% | 90.95% | 96.92% | 78.95% | 80.17% | 86.81% | 94.75% | 81.2% | 81.47% | 82.75% | 123.09% | 87.12% | 83.42% | 114.92% | 85.17% |
| Gross Profit | 180.4M | 163.41M | 183.24M | 85.11M | 77.96M | 83.74M | 34.81M | 11.93M | 80.03M | 72.95M | 49.54M | 18.9M | 63.84M | 58.66M | 56.99M | -72.24M | 37.6M | 47.65M | -43.66M | 42.61M |
| Gross Margin % | 42.45% | 41.74% | 45.13% | 21.22% | 19.48% | 21.21% | 9.05% | 3.08% | 21.05% | 19.83% | 13.19% | 5.25% | 18.8% | 18.53% | 17.25% | -23.09% | 12.88% | 16.58% | -14.92% | 14.83% |
| Gross Profit Growth % | 131.41% | 95.14% | 426.35% | 613.16% | -2.59% | 14.79% | -29.73% | -36.84% | 25.36% | 24.36% | -13.07% | 126.16% | 69.77% | 23.1% | 230.52% | -269.54% | -31.87% | -23.55% | -237.57% | 97.33% |
| Operating Expenses | 100.78M | 91.72M | 94.79M | 32.33M | 31.57M | 28.28M | 27.47M | 30.06M | 32.12M | 25.47M | 23.64M | 26.77M | 26.3M | 25.87M | 24.15M | 20.99M | 26.92M | 25.18M | 20.8M | 16.15M |
| OpEx / Revenue % | 23.72% | 23.43% | 23.35% | 8.06% | 7.89% | 7.16% | 7.14% | 7.76% | 8.45% | 6.92% | 6.3% | 7.44% | 7.74% | 8.17% | 7.31% | 6.71% | 9.22% | 8.76% | 7.11% | 5.62% |
| Depreciation & Amortization | 0 | 0 | 7.07M | 0 | 0 | 0 | 0 | 0 | 47K | 46K | 7.17M | 46K | 0 | 0 | 7.86M | 0 | 0 | 46K | 6.83M | 47K |
| Combined Ratio % | 81.27% | 81.69% | 78.21% | 86.84% | 88.41% | 85.96% | 98.09% | 104.68% | 87.4% | 87.1% | 93.1% | 102.19% | 88.95% | 89.64% | 90.06% | 129.81% | 96.34% | 92.18% | 122.03% | 90.79% |
| Operating Income | 79.61M | 71.69M | 88.45M | 52.78M | 46.39M | 55.46M | 7.34M | -18.12M | 47.91M | 47.48M | 25.9M | -7.88M | 37.54M | 32.79M | 32.84M | -93.24M | 10.68M | 22.47M | -64.46M | 26.46M |
| Operating Margin % | 18.73% | 18.31% | 21.79% | 13.16% | 11.59% | 14.04% | 1.91% | -4.68% | 12.6% | 12.9% | 6.9% | -2.19% | 11.05% | 10.36% | 9.94% | -29.81% | 3.66% | 7.82% | -22.03% | 9.21% |
| Operating Income Growth % | 71.64% | 29.28% | 1104.22% | 391.22% | -3.17% | 16.79% | -71.64% | -130.07% | 27.61% | 44.81% | -21.14% | 91.55% | 251.49% | 45.93% | 150.94% | -452.32% | -64.47% | -38.18% | -138.75% | 797.89% |
| EBITDA | 81.61M | 73.29M | 95.52M | 54.2M | 47.82M | 56.89M | 8.78M | -16.68M | 47.95M | 47.53M | 33.07M | -7.83M | 38.99M | 34.25M | 40.7M | -91.78M | 12.23M | 22.52M | -57.63M | 26.51M |
| EBITDA Margin % | 19.2% | 18.72% | 23.53% | 13.52% | 11.95% | 14.41% | 2.28% | -4.3% | 12.61% | 12.92% | 8.81% | -2.17% | 11.48% | 10.82% | 12.32% | -29.34% | 4.19% | 7.83% | -19.69% | 9.23% |
| Interest Expense | 2M | 1.59M | 540K | 1.43M | 1.43M | 1.44M | 1.44M | 1.44M | 1.45M | 1.45M | 1.46M | 1.45M | 1.45M | 1.46M | 1.46M | 1.46M | 1.55M | 1.43M | 555K | 29K |
| Non-Operating Income | -2M | -1.59M | -1.6M | -1.43M | -1.43M | -1.44M | -1.44M | -1.44M | -1.45M | -1.45M | -1.46M | -1.45M | -1.45M | -1.46M | -1.46M | -1.46M | -1.55M | -1.43M | -555K | -29K |
| Pretax Income | 79.61M | 71.69M | 88.45M | 52.78M | 46.39M | 55.46M | 7.34M | -18.12M | 47.91M | 47.48M | 25.9M | -7.88M | 37.54M | 32.79M | 32.84M | -93.24M | 10.68M | 22.47M | -64.46M | 26.46M |
| Pretax Margin % | 18.73% | 18.31% | 21.79% | 13.16% | 11.59% | 14.04% | 1.91% | -4.68% | 12.6% | 12.9% | 6.9% | -2.19% | 11.05% | 10.36% | 9.94% | -29.81% | 3.66% | 7.82% | -22.03% | 9.21% |
| Income Tax | 20.43M | 17.4M | 21.86M | 12.95M | 11.29M | 14.02M | 1.33M | -1.96M | 12.49M | 13.83M | 5.9M | -1.96M | 8.97M | 8.62M | 7.73M | -20.96M | 3.31M | 4.93M | -16.34M | 6.28M |
| Effective Tax Rate % | 25.66% | 24.27% | 24.72% | 24.53% | 24.35% | 25.28% | 18.07% | 10.81% | 26.07% | 29.12% | 22.77% | 24.91% | 23.9% | 26.28% | 23.53% | 22.48% | 30.99% | 21.96% | 25.34% | 23.73% |
| Net Income | 59.19M | 54.29M | 66.59M | 39.83M | 35.09M | 41.44M | 6.02M | -16.16M | 35.42M | 33.66M | 20M | -5.92M | 28.57M | 24.17M | 25.11M | -72.28M | 7.37M | 17.54M | -48.13M | 20.18M |
| Net Margin % | 13.93% | 13.87% | 16.4% | 9.93% | 8.77% | 10.49% | 1.56% | -4.17% | 9.31% | 9.15% | 5.33% | -1.64% | 8.41% | 7.64% | 7.6% | -23.11% | 2.52% | 6.1% | -16.44% | 7.03% |
| Net Income Growth % | 68.66% | 31.01% | 1006.5% | 346.43% | -0.91% | 23.12% | -69.91% | -173.25% | 23.98% | 39.23% | -20.36% | 91.82% | 287.6% | 37.84% | 152.18% | -458.1% | -66.41% | -33.59% | -172.28% | 736.89% |
| EPS (Diluted) | 2.04 | 1.88 | 2.31 | 1.38 | 1.21 | 1.44 | 0.21 | -0.57 | 1.21 | 1.14 | 0.68 | -0.20 | 0.93 | 0.79 | 0.82 | -2.36 | 0.24 | 0.56 | -1.54 | 0.64 |
| EPS Growth % | 68.59% | 30.56% | 1000% | 342.11% | 0% | 26.32% | -69.12% | -185% | 30.11% | 44.3% | -17.07% | 91.53% | 287.5% | 41.07% | 153.25% | -468.75% | -65.71% | -33.33% | -175% | 740% |
| EPS (Basic) | 2.14 | 1.95 | 2.39 | 1.43 | 1.25 | 1.48 | 0.21 | -0.57 | 1.24 | 1.17 | 0.69 | -0.20 | 0.94 | 0.80 | 0.83 | -2.36 | 0.24 | 0.56 | -1.55 | 0.65 |
| Diluted Shares Outstanding | 28.81M | 28.81M | 28.81M | 28.81M | 28.78M | 28.78M | 29.12M | 28.36M | 29.31M | 29.4M | 29.49M | 29.62M | 30.66M | 30.63M | 30.54M | 30.6M | 30.88M | 31.23M | 31.18M | 31.34M |