Universal Insurance Holdings, Inc.

Universal Insurance Holdings, Inc.

UVE
Universal Insurance Holdings, Inc.US flagNew York Stock Exchange
35.68
USD
-0.59
- -
995.87MMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
8.4
11
15.71
19.63
21.58
23.63
27.72
33.65
35.94
39.76
46.65
53.36
57.51
57.61
Basic EPS, GAAP
1.64
2.17
3.06
2.85
3.07
3.36
1.37
0.6
0.65
-0.72
2.24
2.07
6.56
7.04
Free Cash Flow per Basic Share
4.34
3.4
5.96
3.24
6.9
6.41
2.16
0.38
7.28
10.39
2.24
4.56
13.52
12.39
Dividend per Share
0.5
0.57
0.64
0.69
0.69
0.73
0.77
0.77
0.78
0.77
0.78
0.78
0.8
0.8
Book Value per Share
4.72
7.21
8.83
10.95
13.35
15.89
16.94
17.81
18.07
16.84
18.81
20.96
27.18
29.03
Tangible Book Value per Share
4.9
6.52
8.42
10.63
12.63
14.39
14.57
14.09
13.76
9.36
11.44
13.1
19.76
21.02
Basic Weighted Avg Shares
36
34
35
35
35
35
34
32
31
31
30
28
28
28
Sales/Revenue/Turnover
301
369
547
685
752
824
939
1,073
1,122
1,223
1,392
1,521
1,604
1,603
Operating Margin (%)
33.39
34.56
32.02
23.77
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
1
1
2
3
4
5
5
5
7
7
7
6
6
- -
Net Income, GAAP
59
73
106
99
107
117
47
19
20
-22
67
59
183
196
Effective Tax Rate (%)
41.35
42.8
39.16
38.97
37.28
23.43
26.77
21.15
28.18
- -
24.36
30.35
24.73
24.49
Profit Margin (%)
19.58
19.77
19.48
14.51
14.22
14.21
4.95
1.78
1.82
-1.82
4.8
3.88
11.41
12.22
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
37
31
24
15
13
11
10
8
104
103
102
101
100
100
Total Equity
176
219
293
371
440
502
494
449
430
288
341
373
551
585
Return on Invested Capital (%)
26.76
29.93
37.08
28.27
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
29.82
29.2
34.94
27.29
23.45
19.79
6.93
2.93
3.13
- -
10.97
9.15
24.05
24.36
Return on Common Equity (%)
39.68
35.5
38.79
28.84
25.23
22.97
8.25
3.34
3.6
-4.12
12.38
10.17
27
27.16

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
101
100
100
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
28
28
28
Market Capitalization
737
944
950

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
572
572
741
Accounts Receivable, Net
398
309
278
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
540
312
218
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
8.68%
7.64%
47.63%
Free Cash Flow
192.75%
403.64%
190.06%
Net Income, GAAP
-51.26%
-80.77%
210.47%
Sales/Revenue/Turnover
11.5%
8.43%
5.48%
Total Cash Common Dividend
0.03%
-2.01%
-0.68%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
368
380
388
385
1,521
2025
395
400
401
408
1,604
2026
394
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1.17
1.24
-0.57
0.21
2.07
2025
1.48
1.25
1.43
2.4
6.56
2026
1.96
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.16
0.16
0.16
0.3
0.78
2025
0.17
0.16
0.16
0.3
0.8
2026
0.18
- -
- -
- -
- -

Company Description

APIChat
CEO
Stephen Joseph Donaghy
Full Time Employees
1,068
Sector
Financial Services
Industry
Insurance - Property & Casualty
Address
1110 West Commercial Boulevard Fort Lauderdale FL United States of America 33309
IPO Date
Jun 6, 2003
Business
Universal Insurance Holdings, Inc. (UVE) is an integrated insurance holding company that develops, markets, and underwrites personal residential insurance products primarily in the United States, with a focus on the Florida market; it also provides comprehensive insurance-related services including risk management, claims processing, policy administration, underwriting support, inspections, reinsurance placement, and distribution through its subsidiaries. The company's primary insurance subsidiaries, Universal Property and Casualty Insurance Company (UPCIC) and American Platinum Property and Casualty Insurance Company (APPCIC), offer homeowners, renters/tenants, condo unit owners, dwelling and fire, allied lines, other structures, personal property, liability, and personal articles coverages; these products are distributed via an extensive network of over 9,000 independent agents, in-house agents, and direct-to-consumer online platforms such as Clovered. Supporting subsidiaries include Alder Adjusting for claims management from inception to settlement; Evolution Risk Advisors, the managing general agent handling actuarial analysis, distribution oversight, claims payments, policy administration, underwriting, and reinsurance negotiations; Wicklow Inspection Corporation for underwriting inspections; and Blue Atlantic Reinsurance Corporation for reinsurance intermediation with third-party brokers. UVE generates revenue from premiums, investment income, reinsurance recoverables, and fees for services provided to its insurance entities. Founded in 1990 and headquartered in Fort Lauderdale, Florida, the company, formerly known as Universal Heights, Inc., changed its name to Universal Insurance Holdings, Inc. in January 2001; its principal operating subsidiary UPCIC commenced operations in 1997-1998 by assuming policies from the Florida Joint Underwriting Association. In recent developments, UVE completed a $2.526 billion combined reinsurance tower for its insurance subsidiaries effective June 1, 2025, marking a $110 million increase from the prior year and extending some coverage multi-year through 2025-2026 with longstanding partners including Nephila Capital, Markel, RenaissanceRe, Munich Re, Chubb Tempest Re, Ariel Re, Everest Re, and Lloyd’s syndicates; this follows the prior 2024-2025 renewal of $2.4 billion with enhanced reinstatement limits for multi-event scenarios. The company maintains a disciplined underwriting approach, conservative balance sheet, and technology-driven enhancements across its value chain to support operational efficiencies and customer experience in the property and casualty insurance sector.

Company News

APIChat
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  • KBRA Assigns Issuer Rating to Universal Insurance Holdings and Preliminary Rating to Senior Unsecured Note Offering

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  • Universal Insurance Holdings, Inc. (UVE) Q1 2026 Earnings Call Transcript

  • Universal Insurance Holdings (UVE) Surpasses Q1 Earnings and Revenue Estimates

  • Universal Reports First Quarter 2026 Results