UVE

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UNIVERSAL INSURANCE HOLDINGS INC

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Key Metrics

Previous Close: $42.23
52-Week Range: $24.03 – $45.15
Market Cap: $1.18B
P/E (TTM): 5.56
EPS (TTM): 7.61
Dividend Yield: 1.52%

Advanced Metrics

Price/Book: 1.85
PEG Ratio: —
Return on Equity: 40.16%
Return on Assets: 5.68%
Gross Margin: 25.87%
Operating Margin: 19.11%
Profit Margin: 13.49%
Current Ratio: 0.55
Debt/Equity: 0.15
Total Debt: $97.85M
Free Cash Flow: $313.72M
Revenue Growth: 6.70%
Earnings Growth: 68.60%
Enterprise Value: $743.75M

UVE Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$1.22B	$1.39B	$1.52B	$1.60B
Selling, General & Admin	$90.64M	$96.06M	$108.64M	$118.30M
Pretax Income	-$27.25M	$88.35M	$84.61M	$243.07M
Income Tax	-$4.99M	$21.53M	$25.68M	$60.12M
Net Income	-$22.26M	$66.82M	$58.93M	$182.95M
Diluted EPS	-0.72	2.22	2.01	6.32
Diluted Shares	30.75M	30.15M	29.27M	28.96M

UVE Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$388.71M	$397.31M	$259.44M	$408.87M
Receivables	$879.95M	$296.17M	$705.55M	$308.64M
Total Assets	$2.89B	$2.32B	$2.84B	$2.84B
Long-Term Debt	$102.77M	$102.01M	$101.24M	$100.48M
Total Debt	$102.77M	$102.01M	$101.24M	$100.48M
Total Liabilities	$2.60B	$1.98B	$2.47B	$2.29B
Retained Earnings	$517.46M	$560.69M	$596.85M	$757.45M
Shareholders' Equity	$287.90M	$341.30M	$373.25M	$551.03M

UVE Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$324.51M	$70.97M	$137.36M	$381.49M
Capital Expenditure	-$4.90M	-$4.02M	-$7.37M	-$4.44M
Free Cash Flow	$319.62M	$66.95M	$129.99M	$377.06M
Depreciation & Amortisation	$7.30M	$7.31M	$6.12M	$6.44M
Stock-Based Compensation	$4.73M	$2.92M	$8.12M	$8.65M
Investing Cash Flow	-$148.86M	-$15.25M	-$228.09M	-$113.61M
Financing Cash Flow	-$37.46M	-$47.12M	-$47.13M	-$52.12M
Dividends Paid	-$23.78M	-$23.29M	-$22.33M	-$22.18M
Share Repurchases	-$11.64M	-$22.02M	-$21.91M	-$22.37M
Net Change in Cash	$138.20M	$8.60M	-$137.87M	$215.76M

UVE Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$400.14M	$400.98M	$407.93M	$393.56M	$427.03M
Selling, General & Admin	$29.96M	—	—	—	—
Pretax Income	$46.39M	$52.78M	$88.45M	$71.69M	$79.61M
Income Tax	$11.29M	$12.95M	$21.86M	$17.40M	$20.43M
Net Income	$35.09M	$39.83M	$66.59M	$54.29M	$59.19M
Diluted EPS	1.21	1.38	2.28	1.88	2.04
Diluted Shares	29.07M	28.81M	29.16M	28.83M	29.04M

UVE Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$367.11M	$405.11M	$408.87M	$595.77M	$532.16M
Receivables	$474.60M	$398.36M	$308.64M	$277.88M	$278.83M
Total Assets	$3.28B	$3.09B	$2.84B	$2.77B	$3.31B
Long-Term Debt	$100.86M	$100.67M	$100.48M	$100.29M	$97.85M
Total Debt	$100.86M	$100.67M	$100.48M	$100.29M	$97.85M
Total Liabilities	$2.82B	$2.59B	$2.29B	$2.18B	$2.67B
Retained Earnings	$664.32M	$699.45M	$757.45M	$807.08M	$861.64M
Shareholders' Equity	$457.81M	$495.04M	$551.03M	$584.74M	$637.15M

UVE Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$106.22M	$62.42M	$26.08M	$154.82M	$101.08M
Capital Expenditure	-$977.00K	-$1.16M	-$1.08M	-$1.58M	-$902.00K
Free Cash Flow	$105.25M	$61.26M	$25.00M	$153.24M	$100.17M
Investing Cash Flow	-$58.96M	-$8.69M	-$4.41M	-$20.12M	-$86.58M
Financing Cash Flow	-$12.34M	-$15.25M	-$18.06M	-$14.14M	-$12.11M
Dividends Paid	-$4.52M	-$4.46M	-$8.35M	-$4.91M	-$4.41M
Share Repurchases	-$7.43M	-$8.07M	-$6.87M	-$7.15M	-$4.54M
Net Change in Cash	$34.92M	$38.48M	$3.61M	$120.57M	$2.39M

Market Snapshot

About

Universal Insurance Holdings Inc. is a vertically integrated insurance holding company performing all aspects of insurance underwriting, distribution, and claims. The company primarily writes homeowners and other property and casualty insurance in Florida and select other states. Universal focuses on providing coverage in catastrophe-prone regions with expertise in coastal property insurance.