What is Universal Ins Hldgs Inc's earnings per share (EPS)?

Universal Ins Hldgs Inc (UVE) reported diluted earnings per share of $6.32 for fiscal year 2025. This represents a 214.4% 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.

Universal Ins Hldgs Inc Financials

UVE

Source SEC Filings (10-K/10-Q) Updated Mar 31, 2026 Currency USD FYE December

This page shows Universal Ins Hldgs Inc (UVE) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 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).

Rhea AI UVE FY2025 2026-04-29

A cash-heavy earnings rebound and tiny reinvestment burden are turning recent profit recovery directly into balance-sheet strength and liquidity.

Cash conversion improved faster than profit: operating cash flow reached $381.5M while net income was $183.0M, so the recovery showed up more strongly in cash than in accounting earnings. With capex still minimal at $4.4M and free cash flow at $377.1M, the cash engine is light on physical reinvestment rather than dependent on ongoing plant spending.

Equity rebuilt materially from $287.9M to $551.0M, which means recent profits strengthened the cushion beneath the business instead of merely offsetting past volatility. At the same time, leverage eased as debt-to-equity fell from 0.4x to 0.2x, even though long-term debt changed little.

Shareholder payouts stayed steady: dividends held at $0.77 per share and buybacks were $22.4M in the latest year, despite earlier profit swings. Because cash exceeded long-term debt, with $408.9M on hand versus $100.5M of long-term debt, those returns look financed from internal cash generation rather than added leverage.

Financial Health Signals

Financial Profile 46/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of Universal Ins Hldgs Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Growth

Universal Ins Hldgs Inc's revenue grew 5.5% year-over-year to $1.6B, a solid pace of expansion. This earns a growth score of 46/100.

Leverage

Universal Ins Hldgs Inc carries a low D/E ratio of 0.18, meaning only $0.18 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 98/100, indicating a strong balance sheet with room for future borrowing.

Cash Flow

Universal Ins Hldgs Inc has a free cash flow margin of 23.5%, earning a moderate score of 63/100. The company generates positive cash flow after capital investments, but with room for improvement.

Returns

Universal Ins Hldgs Inc earns a strong 33.2% return on equity (ROE), meaning it generates $33 of profit for every $100 of shareholders' equity. This efficient capital use earns a returns score of 67/100. This is up from 15.8% the prior year.

Piotroski F-Score Strong

7/9

Universal Ins Hldgs Inc passes 7 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

2.09x

For every $1 of reported earnings, Universal Ins Hldgs Inc generates $2.09 in operating cash flow ($381.5M OCF vs $183.0M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

Export CSV

Earnings & Revenue

Revenue

$1.6B

YoY+5.5%

5Y CAGR+8.4%

10Y CAGR+11.4%

Universal Ins Hldgs Inc generated $1.6B in revenue in fiscal year 2025. This represents an increase of 5.5% from the prior year.

EBITDA

N/A

Net Income

$183.0M

YoY+210.5%

5Y CAGR+57.1%

10Y CAGR+5.6%

Universal Ins Hldgs Inc reported $183.0M in net income in fiscal year 2025. This represents an increase of 210.5% from the prior year.

EPS (Diluted)

$6.32

YoY+214.4%

5Y CAGR+60.1%

10Y CAGR+7.8%

Universal Ins Hldgs Inc earned $6.32 per diluted share (EPS) in fiscal year 2025. This represents an increase of 214.4% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$377.1M

YoY+190.1%

5Y CAGR+98.8%

10Y CAGR+6.2%

Universal Ins Hldgs Inc generated $377.1M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 190.1% from the prior year.

Cash & Debt

$408.9M

YoY+57.6%

5Y CAGR+19.6%

10Y CAGR+7.6%

Universal Ins Hldgs Inc held $408.9M in cash against $100.5M in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.77

YoY+0.0%

5Y CAGR+0.0%

10Y CAGR+2.0%

Universal Ins Hldgs Inc paid $0.77 per share in dividends in fiscal year 2025. This represents an increase of 0.0% from the prior year.

Shares Outstanding

28M

YoY-0.3%

5Y CAGR-2.1%

10Y CAGR-2.2%

Universal Ins Hldgs Inc had 28M shares outstanding in fiscal year 2025. This represents a decrease of 0.3% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

11.4%

YoY+7.5pp

5Y CAGR+9.6pp

10Y CAGR-8.1pp

Universal Ins Hldgs Inc's net profit margin was 11.4% in fiscal year 2025, showing the share of revenue converted to profit. This is up 7.5 percentage points from the prior year.

Return on Equity

33.2%

YoY+17.4pp

5Y CAGR+29.0pp

10Y CAGR-3.1pp

Universal Ins Hldgs Inc's ROE was 33.2% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 17.4 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$22.4M

YoY+2.1%

5Y CAGR-5.0%

10Y CAGR+1.8%

Universal Ins Hldgs Inc spent $22.4M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 2.1% from the prior year.

Capital Expenditures

$4.4M

YoY-39.8%

5Y CAGR-23.7%

10Y CAGR-9.4%

Universal Ins Hldgs Inc invested $4.4M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 39.8% from the prior year.

UVE Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$1.6B+5.5%	$1.5B+9.3%	$1.4B+13.8%	$1.2B+9.0%	$1.1B+4.6%	$1.1B
Cost of Revenue	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
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	$342.1M+12.5%	$304.1M-0.3%	$304.9M-2.8%	$313.6M+8.3%	$289.6M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$6.4M-0.8%	$6.5M-0.8%	$6.5M-1.2%	$6.6M+935.9%	$638K+571.6%	$95K
Income Tax	$60.1M+134.1%	$25.7M+19.3%	$21.5M+531.4%	-$5.0M-162.3%	$8.0M+56.2%	$5.1M
Net Income	$183.0M+210.5%	$58.9M-11.8%	$66.8M+400.2%	-$22.3M-209.1%	$20.4M+6.8%	$19.1M
EPS (Diluted)	$6.32+214.4%	$2.01-9.5%	$2.22+408.3%	$-0.72-210.8%	$0.65+8.3%	$0.60

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$393.6M-3.5%	$407.9M+1.7%	$401.0M+0.2%	$400.1M+1.3%	$394.9M+2.6%	$384.8M-0.7%	$387.6M+1.9%	$380.2M
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	N/A	N/A	$87.2M	N/A	$87.1M0.0%	$87.1M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$1.6M	N/A	$1.6M-0.3%	$1.6M-0.2%	$1.6M	N/A	$1.6M-0.2%	$1.6M
Income Tax	$17.4M	N/A	$12.9M+14.6%	$11.3M-19.4%	$14.0M	N/A	-$2.0M-115.7%	$12.5M
Net Income	$54.3M-18.5%	$66.6M+67.2%	$39.8M+13.5%	$35.1M-15.3%	$41.4M+588.6%	$6.0M+137.2%	-$16.2M-145.6%	$35.4M
EPS (Diluted)	$1.88-17.5%	$2.28+65.2%	$1.38+14.0%	$1.21-16.0%	$1.44+585.7%	$0.21+136.8%	$-0.57-147.1%	$1.21

UVE Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$2.8B-0.1%	$2.8B+22.7%	$2.3B-19.8%	$2.9B+40.6%	$2.1B+16.9%	$1.8B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$408.9M+57.6%	$259.4M-34.7%	$397.3M+2.2%	$388.7M+55.2%	$250.5M+49.9%	$167.2M
Inventory	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
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$2.3B-7.3%	$2.5B+25.0%	$2.0B-24.1%	$2.6B+60.0%	$1.6B+24.2%	$1.3B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$100.5M-0.8%	$101.2M-0.7%	$102.0M-0.7%	$102.8M-0.9%	$103.7M+1126.1%	$8.5M
Total Equity	$551.0M+47.6%	$373.3M+9.4%	$341.3M+18.5%	$287.9M-33.0%	$429.7M-4.4%	$449.3M
Retained Earnings	$757.4M+26.9%	$596.9M+6.4%	$560.7M+8.4%	$517.5M-8.2%	$563.7M-0.7%	$567.5M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$2.8B-2.5%	$2.8B-8.1%	$3.1B-5.7%	$3.3B+20.7%	$2.7B-4.5%	$2.8B+7.2%	$2.7B-1.0%	$2.7B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$595.8M+45.7%	$408.9M+0.9%	$405.1M+10.4%	$367.1M-7.8%	$398.2M+53.5%	$259.4M-22.2%	$333.7M+17.8%	$283.3M
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	$2.2B-4.5%	$2.3B-11.8%	$2.6B-7.9%	$2.8B+22.9%	$2.3B-7.1%	$2.5B+9.7%	$2.3B-1.5%	$2.3B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$100.3M-0.2%	$100.5M-0.2%	$100.7M-0.2%	$100.9M-0.2%	$101.1M-0.2%	$101.2M-0.2%	$101.4M-0.2%	$101.6M
Total Equity	$584.7M+6.1%	$551.0M+11.3%	$495.0M+8.1%	$457.8M+8.4%	$422.4M+13.2%	$373.3M-6.7%	$400.2M+1.8%	$393.2M
Retained Earnings	$807.1M+6.6%	$757.4M+8.3%	$699.4M+5.3%	$664.3M+4.8%	$633.8M+6.2%	$596.9M-0.4%	$599.3M-3.4%	$620.2M

UVE Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$381.5M+177.7%	$137.4M+93.5%	$71.0M-78.1%	$324.5M+38.5%	$234.4M+698.6%	$29.3M
Capital Expenditures	$4.4M-39.8%	$7.4M+83.3%	$4.0M-18.0%	$4.9M-32.2%	$7.2M-58.0%	$17.2M
Free Cash Flow	$377.1M+190.1%	$130.0M+94.2%	$67.0M-79.1%	$319.6M+40.7%	$227.2M+1772.3%	$12.1M
Investing Cash Flow	-$113.6M+50.2%	-$228.1M-1395.6%	-$15.3M+89.8%	-$148.9M+35.1%	-$229.4M-1140.8%	$22.0M
Financing Cash Flow	-$52.1M-10.6%	-$47.1M0.0%	-$47.1M-25.8%	-$37.5M-154.8%	$68.3M+221.4%	-$56.3M
Dividends Paid	$22.2M-0.7%	$22.3M-4.1%	$23.3M-2.1%	$23.8M-1.7%	$24.2M-1.5%	$24.5M
Share Buybacks	$22.4M+2.1%	$21.9M-0.5%	$22.0M+89.1%	$11.6M+623.6%	$1.6M-94.4%	$28.9M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$154.8M+493.6%	$26.1M-58.2%	$62.4M-41.2%	$106.2M-43.1%	$186.8M+284.3%	-$101.3M-222.7%	$82.6M+12.9%	$73.2M
Capital Expenditures	$1.6M+46.7%	$1.1M-6.9%	$1.2M+18.4%	$977K-20.4%	$1.2M+37.7%	$891K-46.4%	$1.7M+9.6%	$1.5M
Free Cash Flow	$153.2M+512.9%	$25.0M-59.2%	$61.3M-41.8%	$105.2M-43.3%	$185.5M+281.5%	-$102.2M-226.3%	$81.0M+13.0%	$71.6M
Investing Cash Flow	-$20.1M-356.5%	-$4.4M+49.3%	-$8.7M+85.3%	-$59.0M-41.9%	-$41.5M-99.1%	-$20.9M+8.8%	-$22.9M+79.2%	-$110.0M
Financing Cash Flow	-$14.1M+21.7%	-$18.1M-18.4%	-$15.3M-23.6%	-$12.3M-90.4%	-$6.5M+64.1%	-$18.0M-93.5%	-$9.3M+9.2%	-$10.3M
Dividends Paid	$4.9M-41.3%	$8.4M+87.4%	$4.5M-1.3%	$4.5M-6.7%	$4.8M-43.2%	$8.5M+88.9%	$4.5M-2.7%	$4.6M
Share Buybacks	$7.1M+4.1%	$6.9M-14.9%	$8.1M+8.7%	$7.4M	$0-100.0%	$7.7M+74.0%	$4.4M-15.6%	$5.3M

UVE Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	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
Net Margin	11.4%+7.5pp	3.9%-0.9pp	4.8%+6.6pp	-1.8%-3.6pp	1.8%+0.0pp	1.8%
Return on Equity	33.2%+17.4pp	15.8%-3.8pp	19.6%+27.3pp	-7.7%-12.5pp	4.8%+0.5pp	4.3%
Return on Assets	6.4%+4.4pp	2.1%-0.8pp	2.9%+3.6pp	-0.8%-1.8pp	1.0%-0.1pp	1.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.18-0.1	0.27-0.0	0.30-0.1	0.36+0.1	0.24+0.2	0.02
FCF Margin	23.5%+15.0pp	8.6%+3.7pp	4.8%-21.3pp	26.1%+5.9pp	20.3%+19.1pp	1.1%

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
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	13.8%-2.5pp	16.3%+6.4pp	9.9%+1.2pp	8.8%-1.7pp	10.5%+8.9pp	1.6%+5.7pp	-4.2%-13.5pp	9.3%
Return on Equity	9.3%-2.8pp	12.1%+4.0pp	8.1%+0.4pp	7.7%-2.1pp	9.8%+8.2pp	1.6%+5.6pp	-4.0%-13.1pp	9.0%
Return on Assets	2.0%-0.4pp	2.3%+1.1pp	1.3%+0.2pp	1.1%-0.5pp	1.5%+1.3pp	0.2%+0.8pp	-0.6%-1.9pp	1.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.17-0.0	0.18-0.0	0.20-0.0	0.22-0.0	0.24-0.0	0.27+0.0	0.250.0	0.26
FCF Margin	38.9%+32.8pp	6.1%-9.2pp	15.3%-11.0pp	26.3%-20.7pp	47.0%+73.6pp	-26.6%-47.5pp	20.9%+2.0pp	18.8%

Similar Companies

Donegal Group Inc DGICB

$702.1M

Heritage Insurance Hldgs Inc HRTG

$709.9M

Donegal Group DGICA

$650.6M

United Fire Group Inc UFCS

$1.2B

American Coastal Insurance ACIC

$525.8M

Frequently Asked Questions

What is Universal Ins Hldgs Inc's annual revenue?

Universal Ins Hldgs Inc (UVE) reported $1.6B in total revenue for fiscal year 2025. This represents a 5.5% 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 5.5% year-over-year, from $1.5B to $1.6B in fiscal year 2025.

Is Universal Ins Hldgs Inc profitable?

Yes, Universal Ins Hldgs Inc (UVE) reported a net income of $183.0M in fiscal year 2025, with a net profit margin of 11.4%.

How much debt does Universal Ins Hldgs Inc have?

As of fiscal year 2025, Universal Ins Hldgs Inc (UVE) had $408.9M in cash and equivalents against $100.5M 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 11.4% in fiscal year 2025, 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 2025.

What is Universal Ins Hldgs Inc's return on equity (ROE)?

Universal Ins Hldgs Inc (UVE) has a return on equity of 33.2% for fiscal year 2025, 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 $377.1M in free cash flow during fiscal year 2025. This represents a 190.1% 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 $381.5M in operating cash flow during fiscal year 2025, 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 2025, including both current and long-term assets.

What are Universal Ins Hldgs Inc's capital expenditures?

Universal Ins Hldgs Inc (UVE) invested $4.4M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Universal Ins Hldgs Inc buy back shares?

Yes, Universal Ins Hldgs Inc (UVE) spent $22.4M on share buybacks during fiscal year 2025, 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 2025.

What is Universal Ins Hldgs Inc's debt-to-equity ratio?

Universal Ins Hldgs Inc (UVE) had a debt-to-equity ratio of 0.18 as of fiscal year 2025, 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 6.4% for fiscal year 2025, 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 7 out of 9, indicating strong 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 to 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 2.09x, 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 46 out of 100 on our Financial Profile, indicating moderate 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.