Universal Ins Hldgs Inc Financials
Financial Health Signals
Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores
Universal Ins Hldgs Inc's revenue grew 9.3% year-over-year to $1.5B, a solid pace of expansion. This earns a growth score of 55/100.
Universal Ins Hldgs Inc carries a low D/E ratio of 0.27, meaning only $0.27 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 100/100, indicating a strong balance sheet with room for future borrowing.
Universal Ins Hldgs Inc has a free cash flow margin of 8.6%, earning a moderate score of 43/100. The company generates positive cash flow after capital investments, but with room for improvement.
Universal Ins Hldgs Inc's ROE of 15.8% shows moderate profitability relative to equity, earning a score of 63/100. This is down from 19.6% the prior year.
Universal Ins Hldgs Inc passes 5 of 9 financial strength tests. 3 of 4 profitability signals pass, all 2 leverage/liquidity signals pass, neither operating efficiency signal passes.
For every $1 of reported earnings, Universal Ins Hldgs Inc generates $2.33 in operating cash flow ($137.4M OCF vs $58.9M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
This page shows Universal Ins Hldgs Inc (UVE) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Key Financial Metrics
Universal Ins Hldgs Inc generated $1.5B in revenue in fiscal year 2024. This represents an increase of 9.3% from the prior year.
Universal Ins Hldgs Inc generated $130.0M in free cash flow in fiscal year 2024, representing cash available after capex. This represents an increase of 94.2% from the prior year.
Universal Ins Hldgs Inc reported $58.9M in net income in fiscal year 2024. This represents a decrease of 11.8% from the prior year.
Universal Ins Hldgs Inc earned $2.01 per diluted share (EPS) in fiscal year 2024. This represents a decrease of 9.5% from the prior year.
Universal Ins Hldgs Inc held $259.4M in cash against $101.2M in long-term debt as of fiscal year 2024.
Universal Ins Hldgs Inc paid $0.77 per share in dividends in fiscal year 2024. This represents an increase of 0.0% from the prior year.
Universal Ins Hldgs Inc had 28M shares outstanding in fiscal year 2024. This represents a decrease of 3.0% from the prior year.
Universal Ins Hldgs Inc's net profit margin was 3.9% in fiscal year 2024, showing the share of revenue converted to profit. This is down 0.9 percentage points from the prior year.
Universal Ins Hldgs Inc's ROE was 15.8% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is down 3.8 percentage points from the prior year.
Universal Ins Hldgs Inc spent $21.9M on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 0.5% from the prior year.
Universal Ins Hldgs Inc invested $7.4M in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents an increase of 83.3% from the prior year.
UVE Income Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $401.0M+0.2% | $400.1M+1.3% | $394.9M+2.6% | $384.8M-0.7% | $387.6M+1.9% | $380.2M+3.3% | $368.0M-2.0% | $375.5M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | N/A | N/A | $87.2M-2.2% | $89.2M+2.4% | $87.1M0.0% | $87.1M+10.7% | $78.7M+7.6% | $73.1M |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $1.6M-0.3% | $1.6M-0.2% | $1.6M0.0% | $1.6M-0.4% | $1.6M-0.2% | $1.6M+0.1% | $1.6M-0.8% | $1.6M |
| Income Tax | $12.9M+14.6% | $11.3M-19.4% | $14.0M+956.3% | $1.3M+167.7% | -$2.0M-115.7% | $12.5M-9.7% | $13.8M+134.5% | $5.9M |
| Net Income | $39.8M+13.5% | $35.1M-15.3% | $41.4M+588.6% | $6.0M+137.2% | -$16.2M-145.6% | $35.4M+5.2% | $33.7M+68.3% | $20.0M |
| EPS (Diluted) | $1.38+14.0% | $1.21-16.0% | $1.44+585.7% | $0.21+136.8% | $-0.57-147.1% | $1.21+6.1% | $1.14+67.6% | $0.68 |
UVE Balance Sheet
| Metric | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $3.1B-5.7% | $3.3B+20.7% | $2.7B-4.5% | $2.8B+7.2% | $2.7B-1.0% | $2.7B+26.3% | $2.1B-8.5% | $2.3B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $405.1M+10.4% | $367.1M-7.8% | $398.2M+53.5% | $259.4M-22.2% | $333.7M+17.8% | $283.3M-28.5% | $396.3M-0.2% | $397.3M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Liabilities | $2.6B-7.9% | $2.8B+22.9% | $2.3B-7.1% | $2.5B+9.7% | $2.3B-1.5% | $2.3B+30.2% | $1.8B-11.1% | $2.0B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | $100.7M-0.2% | $100.9M-0.2% | $101.1M-0.2% | $101.2M-0.2% | $101.4M-0.2% | $101.6M-0.2% | $101.8M-0.2% | $102.0M |
| Total Equity | $495.0M+8.1% | $457.8M+8.4% | $422.4M+13.2% | $373.3M-6.7% | $400.2M+1.8% | $393.2M+7.8% | $364.7M+6.8% | $341.3M |
| Retained Earnings | $699.4M+5.3% | $664.3M+4.8% | $633.8M+6.2% | $596.9M-0.4% | $599.3M-3.4% | $620.2M+5.2% | $589.6M+5.2% | $560.7M |
UVE Cash Flow Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $62.4M-41.2% | $106.2M-43.1% | $186.8M+284.3% | -$101.3M-222.7% | $82.6M+12.9% | $73.2M-11.8% | $82.9M+24287.1% | $340K |
| Capital Expenditures | $1.2M+18.4% | $977K-20.4% | $1.2M+37.7% | $891K-46.4% | $1.7M+9.6% | $1.5M-54.0% | $3.3M+186.8% | $1.1M |
| Free Cash Flow | $61.3M-41.8% | $105.2M-43.3% | $185.5M+281.5% | -$102.2M-226.3% | $81.0M+13.0% | $71.6M-10.0% | $79.6M+9929.4% | -$810K |
| Investing Cash Flow | -$8.7M+85.3% | -$59.0M-41.9% | -$41.5M-99.1% | -$20.9M+8.8% | -$22.9M+79.2% | -$110.0M-47.8% | -$74.4M-9327.2% | -$789K |
| Financing Cash Flow | -$15.3M-23.6% | -$12.3M-90.4% | -$6.5M+64.1% | -$18.0M-93.5% | -$9.3M+9.2% | -$10.3M-7.8% | -$9.5M+24.6% | -$12.6M |
| Dividends Paid | $4.5M-1.3% | $4.5M-6.7% | $4.8M-43.2% | $8.5M+88.9% | $4.5M-2.7% | $4.6M0.0% | $4.6M-46.1% | $8.6M |
| Share Buybacks | $8.1M+8.7% | $7.4M | $0-100.0% | $7.7M+74.0% | $4.4M-15.6% | $5.3M+16.6% | $4.5M+24.0% | $3.6M |
UVE Financial Ratios
| Metric | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 9.9%+1.2pp | 8.8%-1.7pp | 10.5%+8.9pp | 1.6%+5.7pp | -4.2%-13.5pp | 9.3%+0.2pp | 9.2%+3.8pp | 5.3% |
| Return on Equity | 8.1%+0.4pp | 7.7%-2.1pp | 9.8%+8.2pp | 1.6% | N/A | 9.0%-0.2pp | 9.2%+3.4pp | 5.9% |
| Return on Assets | 1.3%+0.2pp | 1.1%-0.5pp | 1.5%+1.3pp | 0.2%+0.8pp | -0.6%-1.9pp | 1.3%-0.3pp | 1.6%+0.7pp | 0.9% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 0.20-0.0 | 0.22-0.0 | 0.24-0.0 | 0.27+0.0 | 0.250.0 | 0.26-0.0 | 0.28-0.0 | 0.30 |
| FCF Margin | 15.3%-11.0pp | 26.3%-20.7pp | 47.0%+73.6pp | -26.6%-47.5pp | 20.9%+2.0pp | 18.8%-2.8pp | 21.6%+21.9pp | -0.2% |
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Frequently Asked Questions
What is Universal Ins Hldgs Inc's annual revenue?
Universal Ins Hldgs Inc (UVE) reported $1.5B in total revenue for fiscal year 2024. This represents a 9.3% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Universal Ins Hldgs Inc's revenue growing?
Universal Ins Hldgs Inc (UVE) revenue grew by 9.3% year-over-year, from $1.4B to $1.5B in fiscal year 2024.
Is Universal Ins Hldgs Inc profitable?
Yes, Universal Ins Hldgs Inc (UVE) reported a net income of $58.9M in fiscal year 2024, with a net profit margin of 3.9%.
What is Universal Ins Hldgs Inc's earnings per share (EPS)?
Universal Ins Hldgs Inc (UVE) reported diluted earnings per share of $2.01 for fiscal year 2024. This represents a -9.5% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.
How much debt does Universal Ins Hldgs Inc have?
As of fiscal year 2024, Universal Ins Hldgs Inc (UVE) had $259.4M in cash and equivalents against $101.2M in long-term debt.
What is Universal Ins Hldgs Inc's net profit margin?
Universal Ins Hldgs Inc (UVE) had a net profit margin of 3.9% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.
Does Universal Ins Hldgs Inc pay dividends?
Yes, Universal Ins Hldgs Inc (UVE) paid $0.77 per share in dividends during fiscal year 2024.
What is Universal Ins Hldgs Inc's return on equity (ROE)?
Universal Ins Hldgs Inc (UVE) has a return on equity of 15.8% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.
What is Universal Ins Hldgs Inc's free cash flow?
Universal Ins Hldgs Inc (UVE) generated $130.0M in free cash flow during fiscal year 2024. This represents a 94.2% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Universal Ins Hldgs Inc's operating cash flow?
Universal Ins Hldgs Inc (UVE) generated $137.4M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.
What are Universal Ins Hldgs Inc's total assets?
Universal Ins Hldgs Inc (UVE) had $2.8B in total assets as of fiscal year 2024, including both current and long-term assets.
What are Universal Ins Hldgs Inc's capital expenditures?
Universal Ins Hldgs Inc (UVE) invested $7.4M in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.
Does Universal Ins Hldgs Inc buy back shares?
Yes, Universal Ins Hldgs Inc (UVE) spent $21.9M on share buybacks during fiscal year 2024, returning capital to shareholders by reducing shares outstanding.
How many shares does Universal Ins Hldgs Inc have outstanding?
Universal Ins Hldgs Inc (UVE) had 28M shares outstanding as of fiscal year 2024.
What is Universal Ins Hldgs Inc's debt-to-equity ratio?
Universal Ins Hldgs Inc (UVE) had a debt-to-equity ratio of 0.27 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Universal Ins Hldgs Inc's return on assets (ROA)?
Universal Ins Hldgs Inc (UVE) had a return on assets of 2.1% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.
What is Universal Ins Hldgs Inc's Piotroski F-Score?
Universal Ins Hldgs Inc (UVE) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Universal Ins Hldgs Inc's earnings high quality?
Universal Ins Hldgs Inc (UVE) has an earnings quality ratio of 2.33x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Universal Ins Hldgs Inc?
Universal Ins Hldgs Inc (UVE) scores 65 out of 100 on our Financial Profile, indicating strong overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.