Every 8-K that UNIVERSAL INSURANCE HLDG, INC. (UVE) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 8-K covers material events a company has to report between its quarterly reports, so if you follow UVE and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full UVE filings page.
Universal Insurance Holdings reported second quarter 2026 results with total revenues of $427,033 (in thousands), net income available to common stockholders of $59,186 (in thousands) and diluted EPS of $2.04, all higher than a year earlier, including a 68.7% increase in net income and 68.6% increase in diluted EPS. Annualized return on average common equity reached 38.8%, while adjusted diluted EPS was $1.84 and annualized adjusted ROCE was 33.2%.
Underwriting performance strengthened: the net loss ratio declined to 64.8%, producing a net combined ratio of 91.6% versus 97.8% in the prior-year quarter, despite a modestly higher expense ratio. Direct premiums written were $621,314 (in thousands), up 4.1%, with growth in both Florida and other states. Net premiums earned rose 4.7% to $377,273 (in thousands), and net investment income increased to $20,213 (in thousands).
Book value per share increased to $22.89, up 39.7% year-over-year, and adjusted book value per share to $24.17, up 35.4%. Management highlighted favorable claims and litigation trends associated with Florida legislative reforms and a new reinsurance program. The company repurchased approximately 122 thousand shares for $4.5 million, declared a quarterly dividend of $0.16 per share, and grew policies in force 7.1% to 934,371.
Universal Insurance Holdings, Inc. announced that its Board of Directors has declared a regular quarterly cash dividend of $0.16 per share on its common stock. The dividend will be paid on August 7, 2026 to shareholders who are on record as of the close of business on July 31, 2026.
Universal Insurance Holdings, Inc. issued and sold $100 million of 7.75% Senior Unsecured Notes due 2031 in a private placement to institutional investors. The company intends to use the net proceeds for general corporate purposes, including redeeming its 5.625% Senior Notes due 2026.
The 2031 Notes bear a 7.75% annual interest rate, payable on June 30 and December 30 each year, starting December 30, 2026, and mature on June 30, 2031. They are senior unsecured obligations, not guaranteed by subsidiaries, and are not subject to a sinking fund or holder redemption.
The company may redeem the 2031 Notes before June 30, 2029 at 100.0% of principal plus an Applicable Premium and accrued interest, and thereafter at 101.9375% until June 30, 2030 and 100.0% thereafter, plus accrued interest. On June 17, 2026, the company redeemed all outstanding 2026 Notes at 100.0% of principal plus accrued and unpaid interest.
Universal Insurance Holdings, Inc. reported the results of its annual shareholder meeting held on June 11, 2026. Shareholders elected all twelve director nominees, each receiving over 18.1 million votes in favor, with broker non-votes of 2,990,458 on each director proposal.
Shareholders also approved, on an advisory basis, the compensation of the company’s named executive officers, with 19,555,685 votes for, 389,598 against, 70,398 abstentions and 2,990,458 broker non-votes. In addition, shareholders ratified the appointment of Plante & Moran, PLLC as independent registered public accounting firm for the fiscal year ending December 31, 2026, with 22,475,588 votes for, 339,545 against and 191,006 abstentions.
Universal Insurance Holdings, Inc. entered into a First Supplemental Indenture with UMB Bank National Association as trustee, modifying the indenture governing its 5.625% Senior Unsecured Notes due 2026. The company obtained consent from holders of a majority in aggregate principal amount of the outstanding notes before making these changes.
The amendments shorten the minimum redemption notice period from at least 30 days to at least 5 days before the redemption date. They also allow the company to issue conditional redemption notices, so a redemption can be contingent on specified conditions and the redemption date may be delayed or the notice withdrawn if those conditions are not met.
Universal Insurance Holdings completed the 2026-2027 catastrophe reinsurance program for its subsidiaries UPCIC and APPCIC, effective June 1, 2026. The combined All States first-event reinsurance tower extends to $2.623 billion above a first-event retention of $45 million, with no co-participation in any layer.
The program includes full reinstatement on $1.098 billion of non-FHCF catastrophe cover for a guaranteed second event and an estimated FHCF mandatory layer of about $1.390 billion for UPCIC and $25 million for APPCIC. The companies also added $352 million of multi-year catastrophe capacity extending into the 2027-2028 treaty period, and state that the largest private reinsurers involved are rated ‘A’ or higher by AM Best.
Universal Insurance Holdings reported stronger first-quarter 2026 results. Net income available to common stockholders rose to $54.3 million, with diluted GAAP EPS of $1.88 and diluted adjusted EPS of $2.00, both up sharply from $1.44 a year earlier.
The combined ratio improved to 89.7% from 95.0% as the net loss ratio fell 6.6 points, while direct premiums written grew 8.5% to $506.5 million. Book value per share increased 39.9% year-over-year to $20.95, and the company repurchased about 210 thousand shares for $7.1 million and declared a $0.16 quarterly dividend. Universal also completed its 2026–2027 reinsurance renewal and secured $352 million of additional multi-year coverage through the 2027–2028 treaty period.
Universal Insurance Holdings, Inc. declared a quarterly cash dividend of $0.16 per share on its common stock. The dividend will be paid on May 15, 2026 to shareholders of record at the close of business on May 8, 2026.
The company will report its first quarter 2026 results after the market closes on April 23, 2026, followed by a conference call on April 24, 2026 at 10:00 a.m. ET to discuss the financial results, with live webcast and replay access via its investor relations website.
Universal Insurance Holdings reported sharply stronger fourth-quarter and full-year 2025 results. Q4 revenue reached $407.9 million, up 6.0% from a year earlier, while net income available to common stockholders jumped to $66.6 million from $6.0 million. Diluted EPS rose to $2.28 from $0.21, and annualized return on common equity climbed to 50.9%.
For 2025, total revenue was $1.60 billion, with net income available to common stockholders of $182.9 million versus $58.9 million, and diluted EPS of $6.32 versus $2.01. The net combined ratio improved to 87.5% from 107.9%, reflecting a lower loss ratio. Book value per share grew 48.1% year-over-year to $19.67, and adjusted book value per share rose 32.6% to $20.60.
The company wrote $483.7 million of direct premiums in Q4, up 2.7%, with 18.2% growth in other states partly offset by a 3.1% decline in Florida. Policies in force increased 4.7% to 895,927. During the quarter, Universal repurchased about 210 thousand shares for $6.9 million and later authorized a new share repurchase program of up to $20 million, while also declaring a regular quarterly cash dividend of 16 cents per share.
Universal Insurance Holdings, Inc. reported that its Board of Directors declared a cash dividend of $0.16 per share on the company’s common stock. The dividend will be paid on March 13, 2026 to shareholders who are on record as of the close of business on March 6, 2026.
Universal Insurance Holdings, Inc. reported that its Board of Directors has authorized a new share repurchase program. Under this authorization, the Company may repurchase up to $20 million of its outstanding common stock through January 8, 2028. This program allows the Company to buy back its own shares over time, which can reduce the number of shares in the market and concentrate ownership among remaining shareholders. Details of the program were also described in a press release referenced as an exhibit.
Universal Insurance Holdings (UVE) declared a cash dividend of $0.29 per share, consisting of a regular quarterly dividend of $0.16 and a special dividend of $0.13. The dividend is payable on December 12, 2025 to shareholders of record as of December 5, 2025.
This brings total regular and special dividends declared in 2025 to $0.77 per share. The mix of a recurring quarterly dividend plus a special payout signals an additional return to shareholders beyond the regular distribution for the year.
Universal Insurance Holdings (UVE) furnished a press release announcing its financial results for the fiscal quarter ended September 30, 2025. The press release is attached as Exhibit 99.1.
The information, including Exhibit 99.1, is being furnished to the SEC and shall not be deemed “filed” under the Exchange Act or incorporated by reference unless specifically stated. The Form 8-K was signed by CFO Frank C. Wilcox on October 23, 2025.