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 equity award activity in Common Stock. On February 24, 2026, he acquired 27,382 shares at $0.00 per share through the vesting of previously granted performance-based units for the 2023–2025 performance period, after the compensation committee certified that the maximum performance threshold was achieved.
On the same date, 6,863 shares at $30.23 per share were disposed of to cover tax withholding obligations related to this PSU settlement, rather than through an open-market sale. Following these transactions, he directly owned 1,219,031 shares of Common Stock. Indirect holdings reported as of that date included 2,000 shares held by his spouse and 48,000 shares held by his children.
UNIVERSAL INSURANCE HOLDINGS, INC. CEO Stephen Donaghy reported a mix of equity award vesting and tax withholding transactions in Common Stock. On February 24, 2026, he acquired 47,919 shares at no cost from performance-based units granted on March 20, 2023 for the 2023–2025 performance period, after the compensation committee certified that the maximum performance threshold was achieved. In connection with this vesting, 14,213 shares were withheld to cover tax obligations. Following these transactions, Donaghy directly owns 688,667 Common Stock shares.
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.
Donald Smith & Co., Inc. filed a Schedule 13G reporting beneficial ownership of 1,149,374 shares, or 4.1% of the common stock of Universal Insurance Holdings, Inc. as of 12/31/2025. The filing is made on a passive basis, stating the shares were acquired and are held in the ordinary course of business, without the purpose or effect of changing or influencing control of the company.
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 director reports a small insider sale. A director of Universal Insurance Holdings, Inc. (UVE) reported selling 1,855 shares of common stock on 12/30/2025 at a price of $33.61 per share. The transaction was coded as a sale and was carried out indirectly through The RDP Revocable Trust dated August 11, 2011, of which the director is the grantor and sole trustee and whose beneficiaries are the director's children. Following this sale, the director beneficially owns 8,319 shares indirectly through the trust and 19,136 shares directly.
Universal Insurance Holdings, Inc. CEO and director Stephen Donaghy reported open-market sales of company stock. On 12/29/2025, he sold 25,000 shares of common stock at a weighted average price of $34.07 per share, leaving him with 679,961 shares beneficially owned. On 12/30/2025, he sold an additional 25,000 shares at a weighted average price of $33.77 per share, after which he held 654,961 shares directly. The prices reflect multiple trades within narrow ranges on each day, and the reporting person has committed to provide full trade-by-trade detail upon request.
Universal Insurance Holdings, Inc. insider Sean P. Downes, a director and Executive Chairman, reported gifts of company common stock on 12/30/2025. The transactions were coded as gifts at a reported price of $0 per share.
Following these transactions, he directly beneficially owned 1,198,512 shares of common stock. He also reported indirect ownership of 48,000 shares held by his children and 2,000 shares held by his spouse.
An affiliate of UVE has filed a notice under Rule 144 to potentially sell up to 1,855 shares of common stock through J.P. Morgan Securities LLC on the NYSE, with an approximate sale date of 12/30/2025. The planned sale has an indicated aggregate market value of 63,330.
The shares to be sold were acquired on 12/09/2019 via a stock option exercise from the issuer, paid in cash on the same date. The table also reports that 28,048,881 shares of this class were outstanding; this is a baseline figure, not the amount being sold. By signing the notice, the seller represents they are not aware of any undisclosed material adverse information about the issuer’s current or prospective operations.