What is UNIVERSAL INSURANCE HLDG, INC.'s earnings per share (EPS)?

UNIVERSAL INSURANCE HLDG, 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 INSURANCE HLDG, INC. (UVE) Financials

UVE

Trailing 12 months to June 30, 2026

Revenue $1.6B +4.0% YoY

Net Income $219.9M +231.2% YoY

EPS (Diluted) $7.58 +231.0% YoY

Free Cash Flow $339.7M +26.0% YoY

Market Cap $1.3B as of Oct 8, 2026

Price / Sales 0.8x on $1.6B revenue, trailing 12 months to June 30, 2026

Price / Earnings 5.9x on $219.9M net income, trailing 12 months to June 30, 2026

Price / Book 2.1x on $637.2M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 8, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Jul 30, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Jul 30, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the UVE SEC filings page.

UNIVERSAL INSURANCE HLDG, INC. (UVE) reported $1.6B in revenue over the twelve months to Jun 30, 2026, up 4.0% from the prior twelve months. 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).

Rhea AI UVE FY2025 2026-10-03

FY2025 shows a cash-generative insurer whose profitability improved faster than revenue while leverage moved lower.

Net profit margin expanded from 3.9% in FY2024 to 11.4% in FY2025, while operating cash flow reached $381M; earnings improvement converted into cash rather than remaining mainly an accounting result. Free cash flow of $377M nearly matched operating cash flow, indicating that reported cash generation was not being heavily absorbed by reinvestment.

The balance sheet became less debt-dependent: debt-to-equity declined from 0.3x in FY2024 to 0.2x in FY2025 as total liabilities fell and equity increased. That combination gives the latest profit improvement a stronger capital foundation than the prior year.

Return on assets rose from 2.1% in FY2024 to 6.4% in FY2025, showing that the larger asset base produced substantially more earnings. Capital spending was only $4M against $377M of free cash flow, so the reported cash surplus was not driven by unusually heavy reinvestment.

Financial Health Signals

Financial Health Score 28/100

Scored as: Insurers peer group

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 INSURANCE HLDG, 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.

Loss Ratio

Loss Ratio measures the claims an insurer paid out against the premiums it earned, so a lower ratio leaves more of every premium dollar with the company. UNIVERSAL INSURANCE HLDG, INC. scores 21/100 on it among other insurers.

Premium Growth

UNIVERSAL INSURANCE HLDG, INC. reported revenue of $1.6B in fiscal year 2025, against $1.5B in fiscal year 2024. Premium Growth ranks insurers on the three-year path of the premiums they write rather than on total revenue, and UNIVERSAL INSURANCE HLDG, INC. scores 33/100 among other insurers.

Capital

UNIVERSAL INSURANCE HLDG, INC. funded 19.4% of its assets with shareholders' equity at the end of fiscal year 2025, holding $551.0M of equity against $2.8B of assets. Capital ranks insurers on that cushion, and UNIVERSAL INSURANCE HLDG, INC. scores 34/100 among other insurers.

Investment Yield

Not available for UNIVERSAL INSURANCE HLDG, INC., and counted as zero in the overall score.

Combined Ratio

Combined Ratio puts claims and running costs together against premiums earned, and a figure under 100% means the underwriting made money before any investment income was counted. UNIVERSAL INSURANCE HLDG, INC. scores 51/100 on it among other insurers.

Stability

UNIVERSAL INSURANCE HLDG, INC. reported net income of $183.0M in fiscal year 2025, against $58.9M in fiscal year 2024. Stability ranks insurers on how steady net income has been across five years, and UNIVERSAL INSURANCE HLDG, INC. scores 30/100 among other insurers.

Piotroski F-Score Partial

7/7

UNIVERSAL INSURANCE HLDG, 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.

Earnings Quality Cash-Backed

2.09x

For every $1 of reported earnings, UNIVERSAL INSURANCE HLDG, 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

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Earnings & Revenue

Revenue

$427.0M

YoY+6.7%

QoQ+8.5%

5Y CAGR+8.9%

10Y CAGR+9.7%

UNIVERSAL INSURANCE HLDG, INC. generated $427.0M in revenue in Q2 2026. This represents an increase of 6.7% from the same quarter a year earlier. Against the prior quarter it is up 8.5%.

Net Income

$59.2M

YoY+68.7%

QoQ+9.0%

5Y CAGR+22.0%

10Y CAGR+5.8%

UNIVERSAL INSURANCE HLDG, INC. reported $59.2M in net income in Q2 2026. This represents an increase of 68.7% from the same quarter a year earlier. Against the prior quarter it is up 9.0%.

EPS (Diluted)

$2.04

YoY+68.6%

QoQ+8.5%

5Y CAGR+23.9%

10Y CAGR+8.1%

UNIVERSAL INSURANCE HLDG, INC. earned $2.04 per diluted share (EPS) in Q2 2026. This represents an increase of 68.6% from the same quarter a year earlier. Against the prior quarter it is up 8.5%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$100.2M

YoY-4.8%

QoQ-34.6%

5Y CAGR-12.4%

10Y CAGR-0.7%

UNIVERSAL INSURANCE HLDG, INC. generated $100.2M in free cash flow in Q2 2026, representing cash available after capex. This represents a decrease of 4.8% from the same quarter a year earlier. Against the prior quarter it is down 34.6%.

Cash & Debt

$532.2M

YoY+45.0%

QoQ-10.7%

5Y CAGR+13.2%

10Y CAGR+9.5%

UNIVERSAL INSURANCE HLDG, INC. held $532.2M in cash against $97.9M in long-term debt as of Q2 2026.

Dividends Per Share

$0.16

YoY0.0%

QoQ0.0%

5Y CAGR0.0%

10Y CAGR+1.3%

UNIVERSAL INSURANCE HLDG, INC. paid $0.16 per share in dividends in Q2 2026. That is unchanged from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

28M

YoY-1.7%

QoQ-0.3%

5Y CAGR-2.3%

10Y CAGR-2.3%

UNIVERSAL INSURANCE HLDG, INC. had 28M shares outstanding in Q2 2026. This represents a decrease of 1.7% from the same quarter a year earlier. Against the prior quarter it is down 0.3%.

Margins & Returns

Net Margin

13.9%

YoY+5.1pp

QoQ+0.1pp

5Y change+6.0pp

10Y change-6.0pp

UNIVERSAL INSURANCE HLDG, INC.'s net profit margin was 13.9% in Q2 2026, showing the share of revenue converted to profit. This is up 5.1 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.1 percentage points.

Return on Equity

9.3%

YoY+1.6pp

QoQ0.0pp

5Y change+4.7pp

10Y change-0.3pp

UNIVERSAL INSURANCE HLDG, INC.'s ROE was 9.3% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 1.6 percentage points from the same quarter a year earlier. It is unchanged from the prior quarter.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

$4.5M

YoY-38.9%

QoQ-36.5%

10Y CAGR-1.1%

UNIVERSAL INSURANCE HLDG, INC. spent $4.5M on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 38.9% from the same quarter a year earlier. Against the prior quarter it is down 36.5%.

Capital Expenditures

$902K

YoY-7.7%

QoQ-42.9%

5Y CAGR-13.0%

10Y CAGR-7.2%

UNIVERSAL INSURANCE HLDG, INC. invested $902K in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 7.7% from the same quarter a year earlier. Against the prior quarter it is down 42.9%.

R&D Spending

Not reported for Q2 2026.

UVE Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

UVE quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
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 (Basic)	N/A	$6.56+216.9%	$2.07-7.6%	$2.24+411.1%	-$0.72-210.8%	$0.65+8.3%	$0.60-56.2%	$1.37-59.2%	$3.36+9.4%	$3.07+7.7%	$2.85-6.9%	$3.06+41.0%	$2.17+32.3%	$1.64+115.8%	$0.76+49.0%	$0.51
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
Diluted Shares (Avg)	N/A	29M-1.1%	29M-2.9%	30M-2.0%	31M-1.8%	31M-2.1%	32M-6.6%	34M-4.3%	36M-0.1%	36M+0.4%	36M-0.7%	36M+2.1%	35M-7.0%	38M-7.0%	41M+0.4%	40M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-K	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-K
Revenue	$427.0M+6.7%	$393.6M-0.3%	$407.9M+6.0%	$401.0M+3.5%	$400.1M+5.2%	$394.9M+7.3%	$384.8M+2.5%	$387.6M+7.6%
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	$87.2M+10.9%	N/A	$87.1M+11.2%
Interest Expense	$2.0M+24.1%	$1.6M-1.1%	N/A	$1.6M-1.0%	$1.6M-0.9%	$1.6M-0.6%	N/A	$1.6M-0.7%
Income Tax	$20.4M+80.9%	$17.4M+24.1%	N/A	$12.9M+760.6%	$11.3M-9.6%	$14.0M+1.4%	N/A	-$2.0M+0.1%
Net Income	$59.2M+68.7%	$54.3M+31.0%	$66.6M+1006.5%	$39.8M+346.4%	$35.1M-0.9%	$41.4M+23.1%	$6.0M-69.9%	-$16.2M-173.3%
EPS (Basic)	$2.14+71.2%	$1.96+32.4%	$2.40+1042.9%	$1.43+350.9%	$1.25+0.8%	$1.48+26.5%	$0.21-69.6%	-$0.57-185.0%
EPS (Diluted)	$2.04+68.6%	$1.88+30.6%	$2.28+985.7%	$1.38+342.1%	$1.210.0%	$1.44+26.3%	$0.21-69.1%	-$0.57-185.0%
Diluted Shares (Avg)	29M-0.1%	29M+0.2%	N/A	29M+1.6%	29M-0.8%	29M-2.1%	N/A	28M-4.3%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

UVE Balance Sheet

UVE quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
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
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0-100.0%	$10.0M+99.9%	$5.0M-80.0%	$25.0M-49.9%	$50.0M	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0-100.0%	$820.4M+28.3%	$639.3M	$0	$0	$0	$0	$0	$0
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

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-K	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-K
Total Assets	$3.3B+0.9%	$2.8B+2.0%	$2.8B-0.1%	$3.1B+16.6%	$3.3B+22.3%	$2.7B+28.0%	$2.8B+22.7%	$2.7B+3.6%
Cash & Equivalents	$532.2M+45.0%	$595.8M+49.6%	$408.9M+57.6%	$405.1M+21.4%	$367.1M+29.6%	$398.2M+0.5%	$259.4M-34.7%	$333.7M-2.9%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Total Liabilities	$2.7B-5.3%	$2.2B-4.7%	$2.3B-7.3%	$2.6B+15.3%	$2.8B+23.3%	$2.3B+30.6%	$2.5B+25.0%	$2.3B-0.3%
Long-Term Debt	$97.9M-3.0%	$100.3M-0.8%	$100.5M-0.8%	$100.7M-0.8%	$100.9M-0.8%	$101.1M-0.7%	$101.2M-0.7%	$101.4M-0.7%
Total Equity	$637.2M+39.2%	$584.7M+38.4%	$551.0M+47.6%	$495.0M+23.7%	$457.8M+16.4%	$422.4M+15.8%	$373.3M+9.4%	$400.2M+32.8%
Retained Earnings	$861.6M+29.7%	$807.1M+27.3%	$757.4M+26.9%	$699.4M+16.7%	$664.3M+7.1%	$633.8M+7.5%	$596.9M+6.4%	$599.3M+9.1%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities, Non-Current Liabilities.

UVE Cash Flow Statement

UVE quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
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
Depreciation & Amortization	N/A	$6.3M+1.6%	$6.2M-12.7%	$7.1M0.0%	$7.1M+7.6%	$6.6M+40.4%	$4.7M+4.4%	$4.5M+2.3%	$4.4M+12.8%	$3.9M+25.8%	$3.1M+63.2%	$1.9M+59.1%	$1.2M+18.0%	$1.0M+20.5%	$840K+31.5%	$639K
Stock-Based Compensation	N/A	$8.7M+6.6%	$8.1M+178.4%	$2.9M-38.3%	$4.7M-18.7%	$5.8M-33.1%	$8.7M-33.2%	$13.0M+1.7%	$12.8M+21.6%	$10.5M+2.2%	$10.3M-40.8%	$17.4M+40.9%	$12.3M+92.3%	$6.4M+67.5%	$3.8M+34.5%	$2.8M
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

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-K	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-K
Operating Cash Flow	$101.1M-4.8%	$154.8M-17.1%	$26.1M+125.7%	$62.4M-24.5%	$106.2M+45.2%	$186.8M+125.3%	-$101.3M-29905.6%	$82.6M+19.3%
Depreciation & Amortization	$52K-30.7%	$51K-32.0%	N/A	$50K+2.0%	$75K+59.6%	$75K+63.0%	N/A	$49K+6.5%
Capital Expenditures	$902K-7.7%	$1.6M+28.8%	$1.1M+20.9%	$1.2M-30.4%	$977K-35.6%	$1.2M-62.8%	$891K-22.5%	$1.7M+65.0%
Free Cash Flow	$100.2M-4.8%	$153.2M-17.4%	$25.0M+124.5%	$61.3M-24.3%	$105.2M+46.9%	$185.5M+133.0%	-$102.2M-12521.0%	$81.0M+18.7%
Investing Cash Flow	-$86.6M-46.8%	-$20.1M+51.6%	-$4.4M+78.9%	-$8.7M+62.0%	-$59.0M+46.4%	-$41.5M+44.1%	-$20.9M-2544.6%	-$22.9M-2550.7%
Financing Cash Flow	-$12.1M+1.8%	-$14.1M-118.2%	-$18.1M-0.1%	-$15.3M-63.6%	-$12.3M-20.2%	-$6.5M+31.9%	-$18.0M-42.8%	-$9.3M+46.6%
Dividends Paid	$4.4M-2.3%	$4.9M+1.3%	$8.4M-2.1%	$4.5M-1.2%	$4.5M-2.6%	$4.8M+4.4%	$8.5M-0.8%	$4.5M-5.9%
Share Buybacks	$4.5M-38.9%	$7.1M	$6.9M-11.0%	$8.1M+82.1%	$7.4M+41.3%	$0-100.0%	$7.7M+112.2%	$4.4M-63.9%

Not reported in any period shown, so not listed: Stock-Based Compensation.

UVE Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

UVE quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
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
Asset Turnover	0.560.0x	0.54-0.1x	0.60+0.2x	0.42-0.1x	0.55-0.1x	0.61+0.1x	0.55+0.1x	0.44-0.1x	0.52-0.1x	0.65+0.1x	0.55+0.1x	0.41+0.1x	0.330.0x	0.290.0x	0.25
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%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-K	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-K
Net Margin	13.9%+5.1pp	13.8%+3.3pp	16.3%+14.8pp	9.9%+14.1pp	8.8%-0.5pp	10.5%+1.3pp	1.6%-3.8pp	-4.2%-2.5pp
Return on Equity	9.3%+1.6pp	9.3%-0.5pp	12.1%+10.5pp	8.1%+12.1pp	7.7%-1.3pp	9.8%+0.6pp	1.6%-4.3pp	-4.0%-2.1pp
Return on Assets	1.8%+0.7pp	2.0%+0.4pp	2.3%+2.1pp	1.3%+1.9pp	1.1%-0.3pp	1.5%-0.1pp	0.2%-0.7pp	-0.6%-0.4pp
Debt-to-Equity	0.15-0.1x	0.17-0.1x	0.18-0.1x	0.20-0.1x	0.220.0x	0.240.0x	0.270.0x	0.25-0.1x
Asset Turnover	0.130.0x	0.140.0x	0.140.0x	0.130.0x	0.120.0x	0.150.0x	0.140.0x	0.150.0x
FCF Margin	23.5%-2.8pp	38.9%-8.0pp	6.1%+32.7pp	15.3%-5.6pp	26.3%+7.5pp	47.0%+25.3pp	-26.6%-26.4pp	20.9%+1.9pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
UNIVERSAL INSURANCE HLDG, INC. UVE	FY2025	$1.6B	$183.0M	11.4%	$1.3B	28/100
Donegal Group Inc DGICB	FY2025	$978.0M	$79.3M	8.1%	$653.3M	37/100
HERITAGE INSURANCE HOLDINGS INC HRTG	FY2025	$847.3M	$195.6M	23.1%	$1.0B	43/100
Donegal Group Inc DGICA	FY2025	$978.0M	$79.3M	8.1%	$676.3M	37/100
United Fire Group Inc. UFCS	FY2025	$1.4B	$118.2M	8.5%	$1.4B	41/100
American Coastal Insurance Corporation ACIC	FY2025	$335.4M	$106.8M	31.9%	$449.5M	57/100

Where UNIVERSAL INSURANCE HLDG, INC. Ranks

Frequently Asked Questions

What is UNIVERSAL INSURANCE HLDG, INC.'s annual revenue?

UNIVERSAL INSURANCE HLDG, 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 INSURANCE HLDG, INC.'s revenue growing?

UNIVERSAL INSURANCE HLDG, INC. (UVE) revenue grew by 5.5% year-over-year, from $1.5B to $1.6B in fiscal year 2025.

Is UNIVERSAL INSURANCE HLDG, INC. profitable?

Yes, UNIVERSAL INSURANCE HLDG, 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 INSURANCE HLDG, INC. have?

As of fiscal year 2025, UNIVERSAL INSURANCE HLDG, INC. (UVE) had $408.9M in cash and equivalents against $100.5M in long-term debt.

What is UNIVERSAL INSURANCE HLDG, INC.'s net profit margin?

UNIVERSAL INSURANCE HLDG, 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 INSURANCE HLDG, INC. pay dividends?

Yes, UNIVERSAL INSURANCE HLDG, INC. (UVE) paid $0.77 per share in dividends during fiscal year 2025.

What is UNIVERSAL INSURANCE HLDG, INC.'s return on equity (ROE)?

UNIVERSAL INSURANCE HLDG, 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 INSURANCE HLDG, INC.'s free cash flow?

UNIVERSAL INSURANCE HLDG, 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 INSURANCE HLDG, INC.'s operating cash flow?

UNIVERSAL INSURANCE HLDG, INC. (UVE) generated $381.5M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are UNIVERSAL INSURANCE HLDG, INC.'s total assets?

UNIVERSAL INSURANCE HLDG, INC. (UVE) had $2.8B in total assets as of fiscal year 2025, including both current and long-term assets.

What are UNIVERSAL INSURANCE HLDG, INC.'s capital expenditures?

UNIVERSAL INSURANCE HLDG, INC. (UVE) invested $4.4M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does UNIVERSAL INSURANCE HLDG, INC. buy back shares?

Yes, UNIVERSAL INSURANCE HLDG, 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 INSURANCE HLDG, INC. have outstanding?

UNIVERSAL INSURANCE HLDG, INC. (UVE) had 28M shares outstanding as of fiscal year 2025.

What is UNIVERSAL INSURANCE HLDG, INC.'s debt-to-equity ratio?

UNIVERSAL INSURANCE HLDG, 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 INSURANCE HLDG, INC.'s return on assets (ROA)?

UNIVERSAL INSURANCE HLDG, 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 INSURANCE HLDG, INC.'s P/E ratio?

UNIVERSAL INSURANCE HLDG, INC. (UVE) trades at 5.9x earnings, its market capitalization divided by net income of $219.9M net income, trailing 12 months to June 30, 2026. The market capitalization is $1.3B as of Oct 8, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is UNIVERSAL INSURANCE HLDG, INC.'s price-to-sales ratio?

UNIVERSAL INSURANCE HLDG, INC. (UVE) trades at 0.8x sales, its market capitalization divided by revenue of $1.6B revenue, trailing 12 months to June 30, 2026. The market capitalization is $1.3B as of Oct 8, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is UNIVERSAL INSURANCE HLDG, INC.'s Piotroski F-Score?

UNIVERSAL INSURANCE HLDG, 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 INSURANCE HLDG, INC.'s earnings high quality?

UNIVERSAL INSURANCE HLDG, 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 INSURANCE HLDG, INC.?

UNIVERSAL INSURANCE HLDG, INC. (UVE) scores 28 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.