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Financials · UVE

UNIVERSAL INSURANCE HOLDINGS INC (UVE) financials

For the twelve months ended Sep 30, 2026, UNIVERSAL INSURANCE HOLDINGS INC reported $1.67B of revenue and $232.58M of net income.

Revenue, TTM
$1.67B
Revenue growth, YoY
+5.5%
Net income, TTM
$232.58M
Net income growth, YoY
+90.0%
Net margin
13.9%
Free cash flow, TTM
$360.37M
EPS, diluted, TTM
$8.00
EPS growth, YoY
+88.7%
Cash
$569.46M
Total debt
$97.34M
P/E
5.56
P/S
0.78
Market cap
$1.29B
Annual revenue$1.60B
FY2016FY2025
Annual net income$182.95M
FY2016FY2025
Annual free cash flow$377.06M
FY2016FY2025

UVE revenue and earnings growth

UVE revenueQ3 2026$439.32M

Quarter YoY
+9.6%
QoQ
+2.9%
FY YoY
+5.5%
5Y CAGR
+8.4%
10Y CAGR
+11.4%

UVE revenue was $439.32M in fiscal Q3 2026 (ended Sep 30, 2026), up 9.6% from a year earlier and up 2.9% from the prior quarter. For the full fiscal 2025 it was $1.60B, up 5.5% from fiscal 2024. Compound annual growth was +8.4% over 5 years and +11.4% over 10 years. It rose in each of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

UVE net incomeQ3 2026$52.51M

Quarter YoY
+31.8%
QoQ
-11.3%
FY YoY
+210.5%
5Y CAGR
+57.1%
10Y CAGR
+5.6%

UVE net income was $52.51M in fiscal Q3 2026 (ended Sep 30, 2026), up 31.8% from a year earlier and down 11.3% from the prior quarter. For the full fiscal 2025 it was $182.95M, up 210.5% from fiscal 2024. Compound annual growth was +57.1% over 5 years and +5.6% over 10 years. Fiscal 2025 is the highest of the 15 fiscal years on file.

UVE EPSQ3 2026$1.80

Quarter YoY
+30.4%
QoQ
-11.8%
FY YoY
+214.4%
5Y CAGR
+60.1%
10Y CAGR
+7.8%

UVE diluted EPS was $1.80 in fiscal Q3 2026 (ended Sep 30, 2026), up 30.4% from a year earlier and down 11.8% from the prior quarter. For the full fiscal 2025 it was $6.32, up 214.4% from fiscal 2024. Compound annual growth was +60.1% over 5 years and +7.8% over 10 years.

UVE free cash flowQ3 2026$81.95M

Quarter YoY
+33.8%
QoQ
-18.2%
FY YoY
+190.1%
5Y CAGR
+98.8%
10Y CAGR
+6.2%

UVE free cash flow was $81.95M in fiscal Q3 2026 (ended Sep 30, 2026), up 33.8% from a year earlier and down 18.2% from the prior quarter. For the full fiscal 2025 it was $377.06M, up 190.1% from fiscal 2024. Compound annual growth was +98.8% over 5 years and +6.2% over 10 years. It rose in 5 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$1.60B$1.52B$1.39B$1.22B$1.12B$1.07B$939.35M$823.82M$751.92M$685.29M
Selling, general and admin-$342.08M$304.07M$304.90M$313.60M$289.63M$272.43M$256.49M$231.00M$221.18M
Interest expense--$6.53M$6.61M$638.0K$95.0K$243.0K$300.0K$300.0K$400.0K
Pre-tax income$243.07M$84.61M$88.35M-$27.25M$28.41M$24.23M$63.52M$152.87M$170.48M$162.88M
Income tax$60.12M$25.68M$21.53M-$4.99M$8.01M$5.13M$17.00M$35.82M$63.55M$63.47M
Net income$182.95M$58.93M$66.82M-$22.26M$20.41M$19.11M$46.51M$117.05M$106.94M$99.41M
EPS, basic$6.56$2.07$2.24-$0.72$0.65$0.60$1.37$3.36$3.07$2.85
EPS, diluted$6.32$2.01$2.22-$0.72$0.65$0.60$1.36$3.27$2.99$2.79
Diluted shares29.0M29.3M30.1M30.8M31.3M32.0M34.2M35.8M35.8M35.6M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$408.87M$262.08M$397.31M$391.34M$253.14M$179.87M$184.74M$169.06M$216.12M$108.36M
Short-term investments--------$10.00M$5.00M
Total assets$2.84B$2.84B$2.32B$2.89B$2.06B$1.76B$1.72B$1.86B$1.45B$1.06B
Total debt$100.48M$101.24M$102.01M$102.77M$103.68M$8.46M-$11.40M$12.87M$15.03M
Total liabilities$2.29B$2.47B$1.98B$2.60B$1.63B$1.31B$1.23B$1.36B$1.02B$688.82M
Shareholders' equity$551.03M$373.25M$341.30M$287.90M$429.70M$449.26M$493.90M$501.63M$439.99M$371.19M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$381.49M$137.36M$70.97M$324.51M$234.38M$29.35M$84.60M$230.10M$245.01M$121.40M
Capital expenditures$4.44M$7.37M$4.02M$4.90M$7.23M$17.22M$11.31M$6.73M$4.62M$8.22M
Free cash flow$377.06M$129.99M$66.95M$319.62M$227.15M$12.13M$73.28M$223.37M$240.39M$113.17M
Investing cash flow-$113.61M-$228.09M-$15.25M-$148.86M-$229.40M$22.04M$28.33M-$212.29M-$85.71M-$174.31M
Financing cash flow-$52.12M-$47.13M-$47.12M-$37.46M$68.30M-$56.26M-$97.24M-$64.88M-$51.55M-$38.37M
Dividends paid$22.16M$22.32M$23.28M$23.77M$24.19M$24.55M$26.11M$25.51M$24.00M$24.19M
Share repurchases$22.37M$21.91M$22.02M$11.64M$1.61M$28.92M$66.19M$25.28M$18.14M$8.51M
Stock-based compensation$8.65M$8.12M$2.92M$4.73M$5.82M$8.70M$13.01M$12.79M$10.52M$10.29M
Depreciation and amortization$6.44M$6.12M$7.31M$7.30M$6.91M$5.11M$4.96M$4.82M$4.06M$3.10M

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY5.5%9.3%13.8%9.0%4.6%14.2%14.0%9.6%9.7%25.4%
Net income growth, YoY210.5%-11.8%--6.8%-58.9%-60.3%9.5%7.6%-6.6%
EPS growth, YoY214.4%-9.5%--8.3%-55.9%-58.4%9.4%7.2%-6.1%
Net margin11.4%3.9%4.8%-1.8%1.8%1.8%5.0%14.2%14.2%14.5%
Free cash flow margin23.5%8.5%4.8%26.1%20.2%1.1%7.8%27.1%32.0%16.5%
Return on equity33.2%15.8%19.6%-7.7%4.7%4.3%9.4%23.3%24.3%26.8%
Return on assets6.4%2.1%2.9%-0.8%1.0%1.1%2.7%6.3%7.3%9.4%
Debt to equity0.180.270.300.360.240.02-0.020.030.04

Source: XBRL data UNIVERSAL INSURANCE HOLDINGS INC files with the SEC, latest filing dated Oct 29, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

UVE peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
UVE$1.67B+5.5%$232.58M13.9%$1.29B
CB$61.85B+5.7%$11.23B18.2%$139.46B
PGR$91.73B+7.7%$11.62B12.7%$131.96B
TRV$48.92B+1.1%$8.33B17.0%$80.99B
ALL$70.23B+5.1%$11.61B16.5%$63.05B
AIG$27.73B+1.2%$3.29B11.9%$40.31B
HIG$29.87B+9.2%$4.61B15.4%$35.83B
ACGL$18.78B-3.9%$4.38B23.3%$34.92B
CINF$13.28B+9.9%$2.66B20.1%$28.47B

UVE FAQ

8 questions
  • What is UVE revenue?
    UNIVERSAL INSURANCE HOLDINGS INC (UVE) reported $1.67B of revenue for the twelve months ended Sep 30, 2026. That is up 5.5% from the year before. Revenue for fiscal 2025 was $1.60B.
  • Is UVE profitable?
    Yes. UNIVERSAL INSURANCE HOLDINGS INC earned $232.58M in net income for the twelve months ended Sep 30, 2026, a net margin of 13.9%.
  • How much cash and debt does UVE have?
    UNIVERSAL INSURANCE HOLDINGS INC reported $569.46M in cash and cash equivalents and $97.34M of debt on its most recent balance sheet in SEC filings.
  • How fast is UVE revenue growing?
    UNIVERSAL INSURANCE HOLDINGS INC's revenue changed +5.5% in fiscal 2025, to $1.60B. Its compound annual growth rate was +8.4% over 5 years and +11.4% over 10 years.
  • What is UVE free cash flow?
    UNIVERSAL INSURANCE HOLDINGS INC generated $360.37M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $365.01M less capital expenditures.
  • What is UVE earnings per share?
    Diluted earnings per share were $8.00 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did UVE last report financial results?
    The latest statements here come from UNIVERSAL INSURANCE HOLDINGS INC's 10-Q filed on Oct 29, 2026, covering the period ended Sep 30, 2026.
  • Where does this UVE financial data come from?
    Quantisnow builds these statements from the structured XBRL data UNIVERSAL INSURANCE HOLDINGS INC files with the SEC. It is provided for information only and is not investment advice.