Universal Insurance Holdings, Inc.

UVE

UVEUniversal Insurance Holdings, Inc. US flag

New York Stock Exchange

35.68

USD

-0.59

- -

995.87MMarket Cap

Income Statement (USD)

API Chat

	2011 Y	2012 Y	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
Sales/Revenue/Turnover	226	270	301	369	547	685	752	824	939	1,073	1,122	1,223	1,392	1,521	1,604
+ Sales & Services Revenue	226	270	301	369	547	685	752	824	939	1,073	1,122	1,223	1,392	1,521	1,604
- Cost of Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Profit	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Income	- -	-53	-101	-128	-175	-163	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Operating Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Selling, General & Admin	68	91	92	118	96	95	92	99	95	91	87	91	96	109	118
+ Research & Development	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	-68	-91	-92	-118	-96	-95	-92	-99	-95	-91	-87	-91	-96	-109	-118
Operating Income (Loss)	- -	53	101	128	175	163	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Non-Operating (Income) Loss	-34	- -	- -	- -	- -	- -	-170	-153	-64	-24	-28	27	-88	-85	-243
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1	6	6	6	6
+ Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1	6	6	6	6
- Interest Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	-34	- -	- -	- -	- -	- -	-170	-153	-64	-24	-29	21	-94	-90	-249
Pretax Income	34	53	101	128	175	163	170	153	64	24	28	-27	88	85	243
- Income Tax Expense (Benefit)	14	22	42	55	69	63	64	36	17	5	8	-5	22	26	60
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	20	30	59	73	106	99	107	117	47	19	20	-22	67	59	183
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	20	30	59	73	106	99	107	117	47	19	20	-22	67	59	183
- Minority Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	20	30	59	73	106	99	107	117	47	19	20	-22	67	59	183
- Preferred Dividends	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	20	30	59	73	106	99	107	117	47	19	20	-22	67	59	183
EBIT	- -	53	101	128	175	163	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA	- -	53	101	128	175	163	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	19.47	33.39	34.56	32.02	23.77	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITA	-1	52	100	126	173	160	-4	-5	-5	-5	-7	-7	-7	-6	-6
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
Operating Margin (%)	- -	19.47	33.39	34.56	32.02	23.77	- -	- -	- -	- -	- -	- -	- -	- -	- -
Profit Margin (%)	8.9	11.23	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
Sales per Employee	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	0.33	0.48	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
Depreciation Expense	1	1	1	1	2	3	4	5	5	5	7	7	7	6	6
Basic Weighted Avg Shares	39	40	36	34	35	35	35	35	34	32	31	31	30	28	28
Basic EPS, GAAP	0.51	0.76	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
Basic EPS from Cont Ops	0.51	0.77	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
Diluted Weighted Avg Shares	40	41	38	35	36	36	36	36	34	32	31	31	30	29	29
Diluted EPS, GAAP	0.5	0.74	1.56	2.08	2.97	2.79	2.99	3.27	1.36	0.6	0.65	-0.72	2.22	2.01	6.32
Diluted EPS from Cont Ops	0.5	0.75	1.56	2.08	2.97	2.79	2.99	3.27	1.36	0.6	0.65	-0.72	2.22	2.01	6.32

Balance Sheet (USD)

API Chat

	2011 Y	2012 Y	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
Total Current Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	230	347	117	165	222	111	863	987	1,037	987	1,291	1,403	1,462	1,529	572
+ Cash & Cash Equivalents	230	347	117	115	197	106	213	166	182	167	251	389	397	259	409
+ ST Investments	- -	- -	- -	50	25	5	649	820	855	820	1,040	1,015	1,064	1,269	163
+ Accounts & Notes Receiv	199	169	165	122	84	57	248	490	291	258	267	880	296	706	309
+ Accounts Receivable, Net	187	164	155	114	74	54	239	478	257	227	251	878	296	706	309
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	12	6	11	8	10	3	9	11	34	31	17	2	- -	- -	- -
+ Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	-429	-517	-283	-287	-306	-168	-1,111	-1,476	-1,329	-1,245	-1,558	-2,283	-1,758	-2,234	-880
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Property, Plant & Equip, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Property, Plant & Equip	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Accumulated Depreciation	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Investments & Receivables	99	89	354	424	483	640	712	884	899	905	1,088	1,100	1,155	1,363	1,527
+ LT Investments	99	89	354	424	483	640	712	884	899	905	1,088	1,100	1,155	1,363	1,527
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	-99	-89	-354	-424	-483	-640	-712	-884	-899	-905	-1,088	-1,100	-1,155	-1,363	-1,527
+ Total Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Goodwill	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	-99	-89	-354	-424	-483	-640	-712	-884	-899	-905	-1,088	-1,100	-1,155	-1,363	-1,527
Total Assets	894	926	920	912	994	1,060	1,455	1,858	1,720	1,759	2,056	2,890	2,317	2,842	2,840
+ Payables & Accruals	131	118	107	78	74	84	150	199	234	94	238	403	233	253	312
+ Accounts Payable	92	90	90	70	74	84	113	96	123	10	189	385	192	220	257
+ Accrued Taxes	13	1	3	2	- -	- -	- -	- -	- -	- -	- -	- -	6	7	29
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	27	27	15	6	- -	- -	37	103	112	83	49	19	36	26	26
+ ST Debt	25	26	15	6	- -	- -	37	103	90	59	27	- -	15	- -	- -
+ ST Borrowings	25	26	15	6	- -	- -	37	103	90	59	27	- -	15	- -	- -
+ ST Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	-157	-144	-122	-84	-74	-84	-187	-302	-325	-153	-264	-403	-248	-253	-312
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	-157	-144	-122	-84	-74	-84	-187	-302	-325	-153	-264	-403	-248	-253	-312
Total Current Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Debt	22	20	37	31	24	15	13	11	10	8	104	103	102	101	100
+ LT Borrowings	22	20	37	31	24	15	13	11	10	8	104	103	102	101	100
+ LT Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Liabilities	-22	-20	-37	-31	-24	-15	-13	-11	-10	-8	-104	-103	-102	-101	-100
+ Accrued Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	-22	-20	-37	-31	-24	-15	-13	-11	-10	-8	-104	-103	-102	-101	-100
Total Noncurrent Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Liabilities	744	762	744	693	700	689	1,015	1,357	1,226	1,309	1,626	2,602	1,975	2,469	2,289
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Share Capital & APIC	37	39	43	60	71	83	87	87	97	104	109	113	116	122	125
+ Common Stock	- -	- -	- -	19	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Additional Paid in Capital	37	39	42	41	71	82	86	86	96	103	108	113	115	122	124
- Treasury Stock	3	3	35	62	81	87	105	130	197	226	227	239	261	283	305
+ Retained Earnings	116	128	169	222	307	382	465	553	574	568	564	517	561	597	757
+ Other Equity	- -	- -	- -	-2	-4	-6	-6	-8	20	3	-16	-104	-74	-63	-26
Equity Before Minority Interest	150	164	176	219	293	371	440	502	494	449	430	288	341	373	551
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Equity	150	164	176	219	293	371	440	502	494	449	430	288	341	373	551
Total Liabilities & Equity	894	926	920	912	994	1,060	1,455	1,858	1,720	1,759	2,056	2,890	2,317	2,842	2,840
Shares Outstanding	39	41	35	34	35	35	35	35	33	31	31	30	29	28	28
Number of Employees	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt	-183	-301	-65	-79	-173	-91	-164	-52	-82	-99	-120	-286	-281	-158	-308
Net Debt to Equity	-121.67	-184.2	-37.03	-36.02	-59.01	-24.44	-37.25	-10.4	-16.56	-22.1	-27.94	-99.32	-82.25	-42.38	-55.97
Tangible Common Equity Ratio	16.78	17.66	19.09	24.01	29.5	35.02	30.24	26.99	28.72	25.54	20.9	9.96	14.73	13.13	19.4
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Cash Flow Statement (USD)

API Chat

	2011 Y	2012 Y	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
+ Net Income	20	30	59	73	106	99	107	117	47	19	20	-22	67	59	183
+ Depreciation & Amortization	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Non-Cash Items	131	30	89	-4	9	21	49	96	-1	-73	-15	-4	26	-5	17
+ Stock-Based Compensation	3	4	6	12	17	10	11	13	13	9	6	5	3	8	9
+ Deferred Income Taxes	-10	4	7	1	-1	5	1	-4	2	3	-4	-12	4	-3	3
+ Asset Impairment Charge	1	- -	- -	- -	1	- -	1	- -	- -	1	- -	- -	- -	- -	- -
+ Other Non-Cash Adj	138	22	75	-18	-8	6	37	86	-16	-85	-17	4	19	-10	5
+ Chg in Non-Cash Work Cap	-39	83	9	55	104	1	89	17	39	83	229	351	-22	83	182
+ (Inc) Dec in Accts Receiv	-26	21	3	43	39	21	-186	-236	198	33	-11	-613	583	-410	395
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	-22	3	-1	51	76	-10	-8	-10	-32	-41	-25	-41	46	-26	-28
+ Inc (Dec) in Accts Payable	17	-16	2	-13	7	10	29	-9	31	-110	177	192	-184	33	60
+ Inc (Dec) in Other	-8	75	5	-26	-19	-20	254	272	-158	201	88	813	-467	487	-245
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	113	143	157	123	219	121	245	230	85	29	234	325	71	137	381
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Fixed Prod Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	-2	-3	-1	-9	-12	-8	-5	-7	-11	-17	-7	-5	-4	-7	-4
+ Acq of Fixed Prod Assets	-2	-3	-1	-9	-12	-8	-5	-7	-11	-17	-7	-5	-4	-7	-4
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	- -	- -	-32	-11	-18	-6	-18	-25	-66	-29	-2	-12	-22	-22	-22
+ Increase in Capital Stock	- -	- -	- -	19	1	3	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Decrease in Capital Stock	- -	- -	-32	-30	-19	-9	-18	-25	-66	-29	-2	-12	-22	-22	-22
+ Net Change in LT Investment	- -	- -	-351	-68	-64	-161	-74	-199	30	39	-234	-144	-11	-218	-109
+ Dec in LT Investment	- -	- -	32	205	267	226	206	264	253	1,230	272	133	173	170	351
+ Inc in LT Investment	- -	- -	-383	-273	-331	-387	-280	-463	-223	-1,191	-506	-277	-185	-388	-460
+ Net Cash From Acq & Div	- -	- -	- -	- -	-1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash from Divestitures	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash for Acq of Subs	- -	- -	- -	- -	-1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	- -	- -	- -	- -	-6	-5	-7	-6	10	- -	12	- -	- -	-3	- -
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	-2	-3	-353	-77	-83	-174	-86	-212	28	22	-229	-149	-15	-228	-114
+ Dividends Paid	-13	-19	-18	-19	-22	-24	-24	-26	-26	-25	-24	-24	-23	-22	-22
+ Net Cash From Debt	-1	-1	19	-7	-7	-2	-2	-1	-1	-1	99	-1	-1	-1	-1
+ Cash From Debt	- -	1	20	- -	1	- -	- -	- -	- -	- -	100	- -	- -	- -	- -
+ Repayments of Debt	-1	-1	-1	-7	-8	-2	-2	-1	-1	-1	-1	-1	-1	-1	-1
+ Other Financing Activities	- -	-2	-3	-11	-7	-6	-7	-13	-3	-1	-4	-1	- -	-1	-6
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	-14	-22	-34	-48	-55	-38	-52	-65	-97	-56	68	-37	-47	-47	-52
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Changes in Cash	96	118	-230	-2	82	-91	108	-47	16	-5	73	138	9	-138	216
EBITDA	- -	53	101	128	175	163	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	19.47	33.39	34.56	32.02	23.77	- -	- -	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow	110	140	156	114	207	113	240	223	73	12	227	320	67	130	377
Net Cash Paid for Acquisitions	- -	- -	- -	- -	1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow to Firm	110	140	156	114	207	113	240	223	73	12	228	- -	71	134	381
Free Cash Flow to Equity	109	139	174	107	200	111	238	222	72	11	326	318	66	129	376
Free Cash Flow per Basic Share	2.81	3.53	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
Price/Free Cash Flow	1.26	1.22	3.46	5.42	3.6	7.81	3.92	5.73	9.99	10.37	2.2	0.99	6.42	4.26	2.54
Cash Flow to Net Income	5.6	4.7	2.66	1.69	2.06	1.22	2.29	1.97	1.82	1.54	11.49	-14.58	1.06	2.33	2.09
Capital Expenditures	-2	-3	-1	-9	-12	-8	-5	-7	-11	-17	-7	-5	-4	-7	-4