Universal Ins Hldgs Inc Financials
Universal Ins Hldgs Inc (UVE) reported $1.6B in revenue for fiscal year 2025, up 5.5% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).
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
Shareholder payouts stayed steady: dividends held at
Financial Health Signals
Scored against insurers for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. 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.
Not available for Universal Ins Hldgs Inc, and counted as zero in the overall score.
Universal Ins Hldgs Inc passes 7 of 7 computable financial strength tests (2 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 2 leverage/liquidity signals pass, both operating efficiency signals pass.
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
Earnings & Revenue
Universal Ins Hldgs Inc generated $1.6B in revenue in fiscal year 2025. This represents an increase of 5.5% from the prior year.
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.
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.
Not reported for fiscal year 2025.
Cash & Balance Sheet
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.
Universal Ins Hldgs Inc held $408.9M in cash against $100.5M in long-term debt as of fiscal year 2025.
Universal Ins Hldgs Inc paid $0.77 per share in dividends in fiscal year 2025. That is unchanged from the prior year.
Margins & Returns
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.
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.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Capital Allocation
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.
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.
Not reported for fiscal year 2025.
UVE Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.6B | $1.6B+5.5% | $1.5B+9.3% | $1.4B+13.8% | $1.2B+9.0% | $1.1B+4.6% | $1.1B+14.2% | $939.4M+14.0% | $823.8M+9.6% | $751.9M+9.7% | $685.3M+25.4% | $546.5M+48.0% | $369.3M+22.6% | $301.2M+11.6% | $269.9M+19.5% | $225.9M |
| SG&A Expenses | N/A | N/A | $342.1M+12.5% | $304.1M-0.3% | $304.9M-2.8% | $313.6M+8.3% | $289.6M+6.3% | $272.4M+6.2% | $256.5M+11.0% | $231.0M+4.4% | $221.2M+20.3% | $183.8M+55.2% | $118.4M+28.7% | $92.0M+0.9% | $91.2M+34.4% | $67.8M |
| Interest Expense | N/A | $6.4M-0.8% | $6.5M-0.8% | $6.5M-1.2% | $6.6M+935.9% | $638K+571.6% | $95K-60.9% | $243K-19.0% | $300K0.0% | $300K-25.0% | $400K-60.0% | $1.0M-33.3% | $1.5M+25.0% | $1.2M+189.9% | $414K-51.6% | $856K |
| Income Tax | N/A | $60.1M+134.1% | $25.7M+19.3% | $21.5M+531.4% | -$5.0M-162.3% | $8.0M+56.2% | $5.1M-69.9% | $17.0M-52.5% | $35.8M-43.6% | $63.5M+0.1% | $63.5M-7.4% | $68.5M+25.5% | $54.6M+31.4% | $41.6M+86.9% | $22.2M+63.5% | $13.6M |
| Net Income | $219.9M | $183.0M+210.5% | $58.9M-11.8% | $66.8M+400.2% | -$22.3M-209.1% | $20.4M+6.8% | $19.1M-58.9% | $46.5M-60.3% | $117.1M+9.5% | $106.9M+7.6% | $99.4M-6.6% | $106.5M+45.9% | $73.0M+23.8% | $59.0M+94.6% | $30.3M+50.7% | $20.1M |
| EPS (Diluted) | $7.58 | $6.32+214.4% | $2.01-9.5% | $2.22+408.3% | -$0.72-210.8% | $0.65+8.3% | $0.60-55.9% | $1.36-58.4% | $3.27+9.4% | $2.99+7.2% | $2.79-6.1% | $2.97+42.8% | $2.08+33.3% | $1.56+108.0% | $0.75+50.0% | $0.50 |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
UVE Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | $2.8B-0.1% | $2.8B+22.7% | $2.3B-19.8% | $2.9B+40.6% | $2.1B+16.9% | $1.8B+2.3% | $1.7B-7.5% | $1.9B+27.7% | $1.5B+37.3% | $1.1B+6.7% | $993.5M+9.0% | $911.8M-0.9% | $920.1M-0.6% | $925.7M+3.5% | $894.0M |
| Cash & Equivalents | $408.9M+57.6% | $259.4M-34.7% | $397.3M+2.2% | $388.7M+55.2% | $250.5M+49.9% | $167.2M-8.2% | $182.1M+9.4% | $166.4M-22.0% | $213.5M+101.9% | $105.7M-46.3% | $197.0M+70.7% | $115.4M-1.6% | $117.3M-66.2% | $347.4M+51.2% | $229.7M |
| Total Liabilities | $2.3B-7.3% | $2.5B+25.0% | $2.0B-24.1% | $2.6B+60.0% | $1.6B+24.2% | $1.3B+6.8% | $1.2B-9.6% | $1.4B+33.7% | $1.0B+47.4% | $688.8M-1.7% | $700.5M+1.1% | $692.9M-6.9% | $744.5M-2.3% | $762.2M+2.4% | $744.0M |
| 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 | N/A | $11.4M-11.4% | $12.9M-14.4% | $15.0M-37.5% | $24.1M-21.4% | $30.6M-17.8% | $37.2M+84.2% | $20.2M-6.8% | $21.7M |
| Total Equity | $551.0M+47.6% | $373.3M+9.4% | $341.3M+18.5% | $287.9M-33.0% | $429.7M-4.4% | $449.3M-9.0% | $493.9M-1.5% | $501.6M+14.0% | $440.0M+18.5% | $371.2M+26.6% | $293.1M+46.6% | $199.9M+13.8% | $175.6M+7.4% | $163.5M+9.0% | $150.0M |
| Retained Earnings | $757.4M+26.9% | $596.9M+6.4% | $560.7M+8.4% | $517.5M-8.2% | $563.7M-0.7% | $567.5M-1.1% | $573.6M+3.7% | $553.2M+19.0% | $464.7M+21.7% | $381.9M+24.5% | $306.7M+37.8% | $222.5M+31.8% | $168.7M+32.3% | $127.5M+9.8% | $116.2M |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities.
UVE Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $344.4M | $381.5M+177.7% | $137.4M+93.5% | $71.0M-78.1% | $324.5M+38.5% | $234.4M+698.6% | $29.3M-65.3% | $84.6M-63.2% | $230.1M-6.1% | $245.0M+101.8% | $121.4M-44.6% | $219.3M+77.8% | $123.3M-21.4% | $157.0M+10.1% | $142.5M+26.6% | $112.6M |
| Capital Expenditures | $4.7M | $4.4M-39.8% | $7.4M+83.3% | $4.0M-18.0% | $4.9M-32.2% | $7.2M-58.0% | $17.2M+52.2% | $11.3M+68.1% | $6.7M+45.8% | $4.6M-43.8% | $8.2M-30.7% | $11.9M+28.1% | $9.3M+586.4% | $1.4M-50.5% | $2.7M+13.8% | $2.4M |
| Free Cash Flow | $339.7M | $377.1M+190.1% | $130.0M+94.2% | $67.0M-79.1% | $319.6M+40.7% | $227.2M+1772.3% | $12.1M-83.4% | $73.3M-67.2% | $223.4M-7.1% | $240.4M+112.4% | $113.2M-45.4% | $207.4M+81.8% | $114.1M-26.7% | $155.6M+11.3% | $139.8M+26.9% | $110.2M |
| Investing Cash Flow | -$119.8M | -$113.6M+50.2% | -$228.1M-1395.6% | -$15.3M+89.8% | -$148.9M+35.1% | -$229.4M-1140.8% | $22.0M-22.2% | $28.3M+113.3% | -$212.3M-147.7% | -$85.7M | N/A | N/A | N/A | -$352.7M-12972.0% | -$2.7M-15.7% | -$2.3M |
| Financing Cash Flow | -$59.6M | -$52.1M-10.6% | -$47.1M0.0% | -$47.1M-25.8% | -$37.5M-154.8% | $68.3M+221.4% | -$56.3M+42.1% | -$97.2M-49.9% | -$64.9M-25.9% | -$51.5M | N/A | N/A | N/A | -$34.4M-55.6% | -$22.1M-55.5% | -$14.2M |
| Dividends Paid | $22.1M | $22.2M-0.7% | $22.3M-4.1% | $23.3M-2.1% | $23.8M-1.7% | $24.2M-1.5% | $24.5M-6.0% | $26.1M+2.3% | $25.5M+6.3% | $24.0M-0.8% | $24.2M+8.5% | $22.3M+15.8% | $19.2M+8.5% | $17.7M-5.1% | $18.7M+46.4% | $12.8M |
| Share Buybacks | $26.6M | $22.4M+2.1% | $21.9M-0.5% | $22.0M+89.1% | $11.6M+623.6% | $1.6M-94.4% | $28.9M-56.3% | $66.2M+161.9% | $25.3M+39.3% | $18.1M+113.2% | $8.5M-54.4% | $18.6M-37.3% | $29.7M-8.1% | $32.4M | N/A | N/A |
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
UVE Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 11.4%+7.5pp | 3.9%-0.9pp | 4.8%+6.6pp | -1.8%-3.6pp | 1.8%0.0pp | 1.8%-3.2pp | 5.0%-9.3pp | 14.2%0.0pp | 14.2%-0.3pp | 14.5%-5.0pp | 19.5%-0.3pp | 19.8%+0.2pp | 19.6%+8.3pp | 11.2%+2.3pp | 8.9% |
| 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%-5.2pp | 9.4%-13.9pp | 23.3%-1.0pp | 24.3%-2.5pp | 26.8%-9.6pp | 36.3%-0.2pp | 36.5%+2.9pp | 33.6%+15.0pp | 18.5%+5.1pp | 13.4% |
| 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%-1.6pp | 2.7%-3.6pp | 6.3%-1.0pp | 7.3%-2.0pp | 9.4%-1.3pp | 10.7%+2.7pp | 8.0%+1.6pp | 6.4%+3.1pp | 3.3%+1.0pp | 2.3% |
| Debt-to-Equity | 0.18-0.1x | 0.270.0x | 0.30-0.1x | 0.36+0.1x | 0.24+0.2x | 0.02-2.5x | 2.48+2.5x | 0.020.0x | 0.030.0x | 0.040.0x | 0.08-0.1x | 0.15-0.1x | 0.21+0.1x | 0.120.0x | 0.14 |
| FCF Margin | 23.5%+15.0pp | 8.6%+3.7pp | 4.8%-21.3pp | 26.1%+5.9pp | 20.3%+19.1pp | 1.1%-6.7pp | 7.8%-19.3pp | 27.1%-4.9pp | 32.0%+15.5pp | 16.5%-21.4pp | 38.0%+7.1pp | 30.9%-20.8pp | 51.7%-0.1pp | 51.8%+3.0pp | 48.8% |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
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Where Universal Ins Hldgs Inc Ranks
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.
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 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 27 out of 100 on our Financial Health Score, indicating weak standing within its insurers peer group. The score is a 0-100 composite of six dimensions (Loss Ratio, Premium Growth, Capital, Investment Yield, Combined Ratio, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.