Universal Insurance Holdings, Inc. (UVE)
Universal Insurance Holdings, Inc. brought in $1.7B of revenue over the twelve months to September 30, 2026, up 5.5% from a year earlier. Net income was $232.6M, a net margin of 13.9%. Operating cash flow minus capital spending left $377.1M of free cash flow in fiscal 2025. At September 30, 2026 it held $569.5M in cash against $97.3M of debt. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on October 29, 2026.
Key facts about Universal Insurance Holdings, Inc.
- Net worth
- Universal Insurance Holdings, Inc. has a market value (market cap) of $1.3B at the latest share price, and shareholders' equity of $646M on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
- Revenue and profit
- In fiscal 2025 revenue was $1.6B (+5.5% year on year), with net income of $183M. Over the 12 months to September 30, 2026: revenue $1.7B, net income $232.6M.
- Cash flow
- In fiscal 2025 operations brought in $381.5M of cash; after $4.4M of capital spending, free cash flow was $377.1M.
- Latest report
- The latest periodic report (quarterly report, 10-Q) was filed with the SEC on October 29, 2026 and covers the period to September 30, 2026. Open on SEC EDGAR
- Next earnings report
- Universal Insurance Holdings, Inc.'s next report is expected around February 23, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
- Dividend
- Universal Insurance Holdings, Inc. declared dividends of $0.77 per share in fiscal 2025, a yield of 1.59% at the current price.
What Universal Insurance Holdings, Inc. does
Universal Insurance Holdings, Inc. is registered with the SEC under industry code SIC 6331 (Fire, Marine & Casualty Insurance). Its shares trade on NYSE under the ticker UVE.
Revenue and profit by year
Key figures
| Fiscal year | Revenue | Net income | Diluted EPS | Free cash flow |
|---|---|---|---|---|
| 2025 | $1.6B | $183M | $6.32 | $377.1M |
| 2024 | $1.5B | $58.9M | $2.01 | $130M |
| 2023 | $1.4B | $66.8M | $2.22 | $67M |
| 2022 | $1.2B | -$22.3M | -$0.72 | $319.6M |
| 2021 | $1.1B | $20.4M | $0.65 | $227.2M |
| 2020 | $1.1B | $19.1M | $0.60 | $12.1M |
Earnings: every quarter and the next report date
Full financial statements: income, balance sheet and cash flow
Where UVE ranks in Finance
Dividends
Universal Insurance Holdings, Inc. declared $0.77 per share in fiscal 2025. At the current price that is a yield of 1.59%. It paid out $22.2M in cash dividends, 12% of its net income.
| Fiscal year | Per share | Paid out | Of profit |
|---|---|---|---|
| 2025 | $0.77 | $22.2M | 12% |
| 2024 | $0.77 | $22.3M | 38% |
| 2023 | $0.77 | $23.3M | 35% |
| 2022 | $0.77 | $23.8M | n/a |
| 2021 | $0.77 | $24.2M | 119% |
| 2020 | $0.77 | $24.5M | 128% |
Latest SEC filings
What Universal Insurance Holdings, Inc. has filed recently, newest first. Each links to the original document on SEC EDGAR.
- November 5, 2026
- October 29, 2026Quarterly report 10-Q · period to September 30, 2026Revenue rose 9.6% to $439.3M versus the same quarter last year; diluted EPS $1.80 versus $1.38.
- October 22, 2026
- September 9, 2026
- July 30, 2026Quarterly report 10-Q · period to June 30, 2026Revenue rose 6.7% to $427M versus the same quarter last year; diluted EPS $2.04 versus $1.21.
- July 23, 2026
- July 8, 2026
- June 29, 2026
- June 18, 2026
- June 15, 2026
What is UVE worth? A DCF from its reported cash flow
Insider trades
What the people running Universal Insurance Holdings, Inc. did with its shares, from the Form 4 filings they must send the SEC within two business days.
Insiders sold $3.9M worth of shares in the last 90 days and bought none on the open market.
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| November 4, 2026 | Springer JonDirector | Sold | 16,170 | $791.6K |
| November 4, 2026 | Springer JonDirector | Sold | 210 | $10.4K |
| November 3, 2026 | Springer JonDirector | Sold | 25,000 | $1.2M |
| October 30, 2026 | Downes Sean PExecutive Chairman, Director | Sold | 18,820 | $907.1K |
| October 30, 2026 | Downes Sean PExecutive Chairman, Director | Sold | 1,180 | $57.5K |
| September 11, 2026 | Downes Sean PExecutive Chairman, Director | Sold | 20,000 | $879.6K |
| August 5, 2026 | Downes Sean PExecutive Chairman, Director | Sold | 20,000 | $885.4K |
| July 28, 2026 | Downes Sean PExecutive Chairman, Director | Shares withheld for tax | 23,610 | $1M |
Who owns UVE
Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.
5% holders
| Holder | Of class | Filed |
|---|---|---|
| Sean P. Downes13D, may seek influence | 6.6% | July 30, 2025 |
| Stephen J. Donaghy13D, may seek influence | 5.19% | April 7, 2025 |
Largest institutional holders
Positions that investment managers reported on Form 13F for the quarter ended June 30, 2026, largest first, with the change on the quarter ended March 31, 2026. Managers file 13F up to 45 days after a quarter ends. 222 managers reported a position.
| Holder | Shares | Change on quarter |
|---|---|---|
| BlackRock, Inc. | 2,683,917 | +99,676 |
| Dimensional Fund Advisors LP | 1,294,058 | +3,006 |
| Vanguard Capital Management LLC | 1,110,926 | -4,795 |
| American Century Companies Inc | 1,108,045 | +108,115 |
| Vanguard Portfolio Management LLC | 940,840 | +178,853 |
| Geode Capital Management, LLC | 888,725 | -2,421 |
| Donald Smith & CO., Inc. | 721,686 | -451,851 |
| State Street Corp | 642,440 | +37,055 |
| Two Sigma Investments, LP | 598,836 | -60,617 |
| Morgan Stanley | 589,139 | -13,818 |
| Renaissancere Holdings Ltd | 583,771 | 0 |
| Goldman Sachs Group Inc | 552,379 | -101,818 |
| Arrowstreet Capital, Limited Partnership | 512,180 | +2,329 |
| Qube Research & Technologies Ltd | 372,046 | +151,467 |
| Jacobs Levy Equity Management, Inc | 328,726 | -7,762 |
| Aqr Capital Management LLC | 314,811 | +103,787 |
| Bridgeway Capital Management, LLC | 299,604 | +6,891 |
| Bnp Paribas Financial Markets | 274,228 | +17,136 |
| Northern Trust Corp | 271,023 | +10,344 |
| Connor, Clark & Lunn Investment Management Ltd. | 254,595 | +14,800 |
Insiders
14 insiders reported holding 2,445,487 shares in total, about $118.4M at the last price.
| Holder | Shares |
|---|---|
| Downes Sean PExecutive Chairman, Director | 1,112,64548,000 held indirectly |
| Donaghy StephenCEO, Director | 699,461 |
| Springer JonDirector | 209,354 |
| Wilcox FrankCFO | 136,272 |
| Pietrangelo MichaelDirector | 84,707 |
| Schindler Ozzie ADirector | 44,204 |
| Callahan Scott P.Director | 32,511 |
| McCahill Francis Xavier IIIDirector | 29,475 |
| Peterson Richard DDirector | 28,8696,319 held indirectly |
| Gordon MarleneDirector | 28,475 |
Questions about UVE
What does Universal Insurance Holdings, Inc. do?
Universal Insurance Holdings, Inc. is a company in the Finance sector, listed on NYSE as UVE. Its shares trade on NYSE under the ticker UVE.
What is Universal Insurance Holdings, Inc.'s net worth?
Universal Insurance Holdings, Inc. has a market value (market cap) of $1.3B at the latest share price, and shareholders' equity of $646M on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
Is Universal Insurance Holdings, Inc. profitable?
Yes. Over the twelve months to September 30, 2026 it reported net income of $232.6M on revenue of $1.7B, a net margin of 13.9%.
How much revenue does Universal Insurance Holdings, Inc. make?
Over the twelve months to September 30, 2026 Universal Insurance Holdings, Inc. reported revenue of $1.7B. That is 5.5% more than a year earlier.
When did Universal Insurance Holdings, Inc. last report?
Its most recent periodic report is the quarterly report (10-Q) filed on October 29, 2026. It covers the period to September 30, 2026. Its newest filing of any kind is the investor disclosure from November 5, 2026.
When is Universal Insurance Holdings, Inc.'s next earnings report?
Universal Insurance Holdings, Inc.'s next report is expected around February 23, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
Does Universal Insurance Holdings, Inc. pay a dividend?
Yes. Universal Insurance Holdings, Inc. declared dividends of $0.77 per share in fiscal 2025, a yield of 1.59% at the current price.
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Where the numbers come from
Financial figures are the values Universal Insurance Holdings, Inc. tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.
Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.