UNIVERSAL INSURANCE HOLDINGS, INC. UVE

Financials SIC 6331 - Fire, Marine & Casualty Insurance NAICS Finance and Insurance › Insurance Carriers and Related Activities › Insurance Carriers › Direct Insurance (except Life, Health, and Medical) Carriers › Direct Property and Casualty Insurance Carriers derived NYSE

Universal Insurance Holdings, Inc. ("UVE," and together with its wholly-owned subsidiaries, "we," "our," "us," or the "Company") is a holding company offering property and casualty insurance and value-added insurance services. We develop, market, and underwrite insurance products for consumers predominantly in the personal residential homeowners lines of business and perform substantially all other insurance-related services for our primary insurance entities, including risk management, claims management, and distribution. Our primary insurance entities, Universal Property & Casualty Insurance Company ("UPCIC") and American Platinum Property and Casualty Insurance Company ("APPCIC" and together with UPCIC, the "Insurance Entities"), offer insurance products through both our appointed independent agent network and our online distribution channels across our multi-state footprint (primarily in Florida). The Insurance Entities seek to produce an underwriting profit (defined as earned premium minus losses, loss adjustment expense ("LAE"), policy acquisition costs and other operating costs and expenses) over the long term; maintain a conservative balance sheet to prepare for years in which the Insurance Entities are not able to achieve an underwriting profit; and generate investment income on assets.

Last close 48.84 2026-10-23
Market cap $1.36B 2026-06-30 share count
52-week range 28.32 - 50.00

Valuation FY2025 figures against the last close

P/S0.8x
P/E7.7x
P/FCF3.6x
EV/EBITDA—
Dividend yield1.6%
Diluted EPS6.32

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue $1.60B$1.52B$1.39B$1.22B$1.12B$1.07B$939.4M$823.8M$751.9M$685.3M
SG&A —$342.1M$304.1M$304.9M$313.6M$289.6M$272.4M$256.5M$231.0M$221.2M
Interest expense ——$6.5M$6.6M$638.0K$95.0K$243.0K$300.0K$300.0K$400.0K
Pre-tax income $243.1M$84.6M$88.3M-$27.2M$28.4M$24.2M$63.5M$152.9M$170.5M$162.9M
Income tax $60.1M$25.7M$21.5M$5.0M$8.0M$5.1M$17.0M$35.8M$63.5M$63.5M
Net income $183.0M$58.9M$66.8M-$22.3M$20.4M$19.1M$46.5M$117.1M$106.9M$99.4M
EPS, basic 6.562.072.24-0.720.650.601.373.363.072.85
EPS, diluted 6.322.012.22-0.720.650.601.363.272.992.79
Shares, diluted (wtd. avg.) 29.0M29.3M30.1M30.8M31.3M32.0M34.2M35.8M35.8M35.6M

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Cash and equivalents $408.9M$259.4M$397.3M$391.3M$253.1M$179.9M$184.7M$169.1M$216.1M$108.4M
Short-term investments ———————$0$10.0M$5.0M
Property, plant and equipment $49.3M$48.7M$47.6M$51.4M$53.7M$53.6M$41.4M$35.0M$32.9M$32.2M
Total assets $2.84B$2.84B$2.32B$2.89B$2.06B$1.76B$1.72B$1.86B$1.45B$1.06B
Long-term debt $100.5M$101.2M$102.0M$102.8M$103.7M$8.5M—$11.4M$12.9M$15.0M
Total liabilities $2.29B$2.47B$1.98B$2.60B$1.63B$1.31B$1.23B$1.36B$1.02B$688.8M
Retained earnings $757.4M$596.9M$560.7M$517.5M$563.7M$567.5M$573.6M$553.2M$464.7M$381.9M
Total equity $551.0M$373.2M$341.3M$287.9M$429.7M$449.3M$493.9M$501.6M$440.0M$371.2M

Cash flow

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating cash flow $381.5M$137.4M$71.0M$324.5M$234.4M$29.3M$84.6M$230.1M$245.0M$121.4M
Depreciation and amortisation $6.4M$6.1M$7.3M$7.3M$6.9M$5.1M$5.0M$4.8M$4.1M$3.2M
Stock-based compensation $8.7M$8.1M$2.9M$4.7M$5.8M$8.7M$13.0M$12.8M$10.5M$10.3M
Capital expenditure $4.4M$7.4M$4.0M$4.9M$7.2M$17.2M$11.3M$6.7M$4.6M$8.2M
Investing cash flow -$113.6M-$228.1M-$15.3M-$148.9M-$229.4M$22.0M$28.3M-$212.3M-$85.7M-$174.3M
Financing cash flow -$52.1M-$47.1M-$47.1M-$37.5M$68.3M-$56.3M-$97.2M-$64.9M-$51.5M-$38.4M
Dividends paid $22.2M$22.3M$23.3M$23.8M$24.2M$24.5M$26.1M$25.5M$24.0M$24.2M
Buybacks $22.4M$21.9M$22.0M$11.6M$1.6M$28.9M$66.2M$25.3M$18.1M$8.5M

Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0001193125-26-177529.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. -500M 0 500M 1B 1.5B 2B Revenue, FY2016: 685.3M Net income, FY2016: 99.4M Revenue, FY2017: 751.9M Net income, FY2017: 106.9M Revenue, FY2018: 823.8M Net income, FY2018: 117.1M Revenue, FY2019: 939.4M Net income, FY2019: 46.5M Revenue, FY2020: 1.1B Net income, FY2020: 19.1M Revenue, FY2021: 1.1B Net income, FY2021: 20.4M Revenue, FY2022: 1.2B Net income, FY2022: -22.3M Revenue, FY2023: 1.4B Net income, FY2023: 66.8M Revenue, FY2024: 1.5B Net income, FY2024: 58.9M Revenue, FY2025: 1.6B Net income, FY2025: 183M FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue $685.3M $751.9M $823.8M $939.4M $1.07B $1.12B $1.22B $1.39B $1.52B $1.60B
Gross profit — — — — — — — — — —
Net income $99.4M $106.9M $117.1M $46.5M $19.1M $20.4M -$22.3M $66.8M $58.9M $183.0M

Recent filings and events

  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Regulation FD disclosure Something the company told the market and had to tell everyone at once - usually a slide deck or a press release. Item 7.01
  • Material agreement signed The company entered an agreement outside the ordinary course of business - a large contract, a credit facility, a merger agreement. Item 1.01
  • New debt or obligation The company has taken on debt or a comparable obligation. Item 2.03
  • Other event The catch-all. The company chose to disclose something that fits no other item, so the content is whatever it says it is. Item 8.01
  • Shareholder vote The results of the annual meeting or a special vote. Item 5.07
  • Other event Item 8.01
  • Other event Item 8.01
  • Results announced Item 2.02
  • Regulation FD disclosure Item 7.01
  • Annual report filed A new 10-K. The figures and the business description on this site come from it. Form 10-K
  • Results announced Item 2.02

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

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