Welcome to our dedicated page for Universal Ins Hldgs SEC filings (Ticker: UVE), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
The Universal Insurance Holdings, Inc. (NYSE: UVE) SEC filings page provides access to the company’s regulatory disclosures as a U.S. property and casualty insurance holding company. Universal files annual reports on Form 10-K, quarterly reports on Form 10-Q and current reports on Form 8-K with the Securities and Exchange Commission, covering its operations in personal residential homeowners lines of business and related insurance services.
Recent Form 8-K filings for Universal Insurance Holdings include announcements of quarterly financial results, share repurchase authorizations and cash dividends on common stock. Earnings-related 8-Ks incorporate press releases that present GAAP and non-GAAP financial measures, such as total revenues, net income available to common stockholders, core revenue, adjusted net income, diluted adjusted earnings per share, adjusted operating income, adjusted book value per share and adjusted return on common equity. These filings also summarize key underwriting metrics, including direct premiums written, net premiums earned, ceded premium ratio, loss ratio, expense ratio and combined ratio.
Other 8-K filings report Board actions authorizing multi-year share repurchase programs and declaring regular and special cash dividends. These documents describe the size and duration of repurchase authorizations, the intention to conduct repurchases in accordance with Rule 10b-18 under the Securities Exchange Act of 1934 and the company’s insider trading policy, and the per-share amounts of declared dividends.
On this page, Stock Titan pairs Universal’s SEC filings with AI-powered summaries that explain the main points of each document in plain language. Users can quickly see what Universal reported in its latest 10-K or 10-Q, how management describes non-GAAP financial measures and key performance indicators, and what material events are disclosed in 8-Ks. The filings feed updates as new documents are posted to EDGAR, helping investors follow Universal’s financial reporting, reinsurance-related disclosures and capital management decisions without reading every line of each filing.
UNIVERSAL INSURANCE HOLDINGS, INC. Executive Chairman Sean P. Downes reported RSU vesting and related tax withholding. On March 19, 2026, 12,791 restricted stock units converted into an equal number of UVE common shares at no exercise price. To satisfy tax withholding on this vesting, 5,034 common shares were withheld at a value of $32.89 per share rather than sold in the open market, leaving a net 7,757 new shares from this award.
After these transactions, Downes directly holds 1,226,788 shares of common stock. He also has indirect holdings of 48,000 shares held by his children and 2,000 shares held by his spouse. The footnotes state that additional RSUs are scheduled to vest in equal tranches of 12,791 shares on March 19, 2027 and 12,790 shares on March 19, 2028, subject to continued employment.
Universal Insurance Holdings CEO Stephen Donaghy reported a routine RSU vesting and option exercise. On March 19, 2026, he exercised 13,566 Restricted Stock Units, receiving an equivalent 13,566 shares of Common Stock at a stated price of $0.00 per share.
To cover tax obligations from this vesting, 5,339 Common Stock shares were withheld at $32.89 per share, a non‑market, tax-withholding disposition rather than an open-market sale. After these transactions, Donaghy directly held 696,894 Common Stock shares. The RSU award continues to vest 13,566 shares on each of March 19, 2027 and March 19, 2028, subject to continued employment.
UNIVERSAL INSURANCE HOLDINGS, INC. CFO Frank Wilcox exercised 2,326 restricted stock units into common shares. Each RSU delivers one share of common stock. To cover related tax obligations on March 19, 2026, 567 shares of common stock were withheld at a price of $32.89 per share, so this was not an open-market sale.
After these compensation-related transactions, Wilcox directly owns 134,379 shares of common stock. The RSU award continues to vest, with 2,326 additional RSUs scheduled to vest on March 19, 2027 and 2,325 RSUs on March 19, 2028, subject to his continued employment.
UNIVERSAL INSURANCE HOLDINGS, INC. director and CIO & CAO Kimberly D. Campos reported the vesting of 1,163 restricted stock units, converting into 1,163 shares of common stock on March 19, 2026. To cover tax obligations on this vesting, 284 shares were withheld at a price of $32.89 per share, a non-market, tax-withholding disposition rather than an open-market sale.
After these transactions, Campos directly owns 8,301 shares of common stock and 2,325 remaining restricted stock units. According to the vesting schedule, 1,163 RSUs are scheduled to vest on March 19, 2027, and 1,162 RSUs on March 19, 2028, contingent on continued employment.
UNIVERSAL INSURANCE HOLDINGS, INC. director and CIO & CAO Kimberly D. Campos reported mixed insider activity. On March 3, 2026, she sold 1,710 shares of common stock in an open-market transaction at $35.375 per share, leaving 7,422 shares of common stock held directly.
On March 2, 2026, she also received a grant of 2,063 restricted stock units, each representing one future share of common stock subject to vesting. These RSUs are scheduled to vest in three equal-time installments: 688 shares on March 2, 2027, 688 shares on March 2, 2028, and 687 shares on March 2, 2029, assuming continued employment through each vesting date.
DOWNES SEAN P reported acquisition or exercise transactions in this Form 4 filing.
UNIVERSAL INSURANCE HOLDINGS, INC. Executive Chairman Sean P. Downes received a grant of 22,696 restricted stock units on March 2, 2026. Each RSU represents one share of common stock, awarded at no cash cost to him.
The RSUs vest over three years, subject to his continued employment: 7,566 units on March 2, 2027, 7,565 units on March 2, 2028, and 7,565 units on March 2, 2029. This award increases his directly held derivative equity stake by the full 22,696 units.
Wilcox Frank reported acquisition or exercise transactions in this Form 4 filing.
UNIVERSAL INSURANCE HOLDINGS, INC. reported that its CFO, Frank Wilcox, received a grant of 4,127 restricted stock units (RSUs) on March 2, 2026. Each RSU represents the right to receive one share of common stock, subject to vesting.
The RSUs are scheduled to vest in three equal-time tranches, conditioned on continued employment: 1,376 shares on March 2, 2027, 1,376 shares on March 2, 2028, and 1,375 shares on March 2, 2029.
Donaghy Stephen reported acquisition or exercise transactions in this Form 4 filing.
Universal Insurance Holdings CEO Stephen Donaghy received a new equity award. On March 2, 2026, he was granted 24,072 restricted stock units, each representing one share of common stock, at no purchase price. The RSUs vest in three equal installments of 8,024 shares on March 2 of 2027, 2028, and 2029, contingent on his continued employment through each vesting date.
Universal Insurance Holdings, Inc. is a Florida‑based property and casualty insurance holding company focused mainly on personal residential homeowners coverage. Its primary carriers, UPCIC and APPCIC, distribute through about 9,500 independent agents and digital channels across 19 states, with 72.6% of 2025 direct premiums written in Florida.
The company relies heavily on reinsurance, including the Florida Hurricane Catastrophe Fund, and reported combined statutory capital and surplus of approximately $509.1 million as of December 31, 2025. Subsidiaries provide underwriting, inspections, claims adjusting, litigation, and reinsurance intermediary services, generating fee and commission income alongside underwriting results.
Management highlights significant exposure to hurricanes and severe weather, climate‑driven catastrophe risk, Florida’s historically litigious environment, and reinsurance availability and pricing as key risks. It also notes regulatory capital requirements, rating agency dependence, cybersecurity threats, and competition from national carriers and Florida’s Citizens Property Insurance Corporation as ongoing challenges.