UNIVERSAL INSURANCE HOLDINGS, INC.

UVE

UNIVERSAL INSURANCE HOLDINGS, INC.

UVE

Insider Sentiment (TTM):

Last Purchase:2023-09-06Last Sale:2026-06-11Shares Purchased (TTM):0Shares Sold (TTM):256,633

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:20,154,642Shares Outstanding:27,651,000Institutional Ownership Pct.:72.89%

Earnings Market Reaction:

Filing Date:2026-07-30Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Assets
Available For Sale Securities Debt Securities	1,506	1,422	1,431	1,414	1,395	1,324	1,269	1,277	1,216	1,107	1,064	1,032
Equity Securities Fv Ni	112	99	85	96	93	80	78	79	76	82	80	77
Investment Owned At Fair Value	11	11	11	4	4	16	16	12	10	10	10	-
Real Estate Investment Property Net	5	5	5	5	8	8	8	6	6	5	6	6
Investments	1,634	1,537	1,533	1,519	1,500	1,428	1,371	1,374	1,307	1,205	1,161	1,114
Cash And Cash Equivalents At Carrying Value	532	596	409	405	367	398	259	334	283	396	397	344
Restricted Cash And Cash Equivalents	69	3	69	69	69	3	3	69	69	3	3	69
Prepaid Reinsurance Premiums	562	117	291	465	639	105	263	419	576	88	236	380
Reinsurance Recoverables On Paid And Unpaid Losses	177	202	233	316	382	471	628	130	131	125	219	323
Premiums Receivable At Carrying Value	86	76	76	82	84	72	78	92	87	74	77	89
Property Plant And Equipment Net	49	49	49	50	48	48	49	49	49	49	48	49
Deferred Policy Acquisition Costs	135	126	129	133	125	116	121	125	117	107	110	115
Income Tax Receivable	16	-	-	-	9	-	-	7	6	-	0	2
Deferred Income Tax Assets Net	14	38	28	19	15	46	42	24	25	49	43	49
Other Assets	32	26	24	32	38	27	28	27	29	24	23	26
Assets	3,306	2,769	2,840	3,090	3,276	2,715	2,842	2,651	2,679	2,120	2,317	2,559
Liabilities And Stockhold…
Liabilities
Liability For Claims And Claims Adjustment Expense	634	669	681	683	766	894	959	460	345	430	510	551
Unearned Premiums	1,144	1,067	1,092	1,146	1,088	1,014	1,060	1,109	1,042	955	991	1,040
Deposit Contracts Liabilities	85	87	62	79	84	82	46	72	73	74	49	76
Reinsurance Payable	628	136	257	502	709	115	220	420	649	98	192	388
Accrued Sales Commission Current	33	28	26	28	29	24	26	26	27	23	21	23
Accrued Income Taxes	0	54	29	4	0	29	7	0	0	25	6	-
Other Accrued Liabilities Current And Noncurrent	48	44	42	46	41	32	49	62	47	49	91	65
Long Term Debt	98	100	100	101	101	101	101	101	102	102	102	102
Liabilities	2,669	2,185	2,289	2,595	2,818	2,292	2,469	2,250	2,285	1,755	1,975	2,257
Stockholders Equity
Preferred Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Treasury Stock Common Value	-317	-312	-305	-298	-290	-283	-283	-275	-271	-265	-261	-257
Additional Paid In Capital	127	124	124	124	124	122	122	121	119	116	115	116
Accumulated Other Comprehensive Income Loss Availa…	-36	-35	-26	-31	-41	-51	-63	-46	-76	-77	-74	-107
Retained Earnings Accumulated Deficit	862	807	757	699	664	634	597	599	620	590	561	549
Stockholders Equity	637	585	551	495	458	422	373	400	393	365	341	302
Liabilities And Stockholders Equity	3,306	2,769	2,840	3,090	3,276	2,715	2,842	2,651	2,679	2,120	2,317	2,559
Debt Securities Available For Sale Allowance For C…	1	1	1	1	1	1	1	1	1	1	1	1
Available For Sale Debt Securities Amortized Cost …	1,554	1,468	1,466	1,455	1,450	1,393	1,354	1,337	1,316	1,209	1,163	1,174
Equity Securities Fv Ni Cost	113	106	87	95	94	82	80	80	82	89	91	93
Investment Owned At Cost	5	5	5	4	4	9	9	5	5	5	5	-
Preferred Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Preferred Stock Shares Authorized	1	1	1	1	1	1	1	1	1	1	1	1
Preferred Stock Shares Issued	0	0	0	0	0	0	0	0	0	0	0	0
Preferred Stock Shares Outstanding	0	0	0	0	0	0	0	0	0	0	0	0
Preferred Stock Liquidation Preference	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Common Stock Shares Authorized	55	55	55	55	55	55	55	55	55	55	55	55
Common Stock Shares Issued	48	48	48	48	28	48	47	47	47	47	47	47
Shares Outstanding	28	28	28	28	28	28	28	28	29	29	29	29
Treasury Stock Common Shares	21	20	20	20	20	19	19	19	19	19	18	18

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	-0.12%	-2.37%	-0.30%	-	-	-	-	-	-	-	-	-
2025	9.19%	9.56%	4.74%	5.80%	10.19%	20.86%	6.21%	8.88%	-4.16%	-5.37%	1.63%	11.12%
2024	1.05%	-5.46%	-0.86%	5.18%	9.13%	-0.76%	13.38%	3.61%	-2.42%	-2.80%	5.20%	20.86%
2023	-	-	-	-16.36%	-12.85%	-11.09%	9.51%	8.54%	9.34%	-1.81%	-2.41%	3.18%
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Performance and Valuation Metrics

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Metrics	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Leverage & Debt
Interest Coverage TTM	-	-	-	-	57.25	29.56	18.40	16.87	18.42	16.81	14.53	8.33
Per Share Metrics
Diluted EPS TTM	7.57	6.79	6.32	4.25	2.28	2.32	2.01	2.57	2.84	2.60	2.22	0.83
Free Cash Flow Per Share TTM	12.30	12.47	13.52	8.97	9.64	8.40	4.56	8.16	7.65	6.84	2.24	5.69
Dividend Per Share TTM	0.80	0.80	0.79	0.80	0.80	0.80	0.78	0.79	0.79	0.79	0.78	0.80
Margin Metrics
Gross Profit Margin TTM	41.84%	39.88%	38.53%	33.59%	28.90%	29.06%	44.18%	62.69%	83.25%	99.55%	99.53%	99.51%
Operating Profit Margin TTM	17.95%	16.18%	15.15%	10.25%	5.81%	5.98%	5.56%	6.83%	7.64%	7.14%	6.35%	7.08%
Net Profit Margin TTM	13.49%	12.22%	11.41%	7.74%	4.24%	4.31%	3.88%	4.82%	5.60%	5.29%	4.80%	1.82%
Growth Metrics
Net Revenue Growth (1Y)	3.96%	3.57%	5.48%	4.61%	5.64%	7.24%	9.27%	12.23%	14.20%	15.29%	13.82%	13.63%
Net Income Growth (1Y)	231.24%	193.51%	210.47%	67.85%	-20.17%	-12.58%	-11.81%	196.78%	-298.97%	-221.14%	-195.98%	-191.12%
EPS Growth (1Y)	235.48%	198.18%	217.23%	70.89%	-18.37%	-10.16%	-7.70%	209.98%	-310.56%	-227.49%	-198.94%	-194.16%
Valuation Metrics
P/E TTM	5.18	4.79	5.09	5.86	11.36	9.64	9.77	8.16	6.06	7.16	6.59	15.34
P/B TTM	1.79	1.60	1.69	1.45	1.65	1.52	1.54	1.49	1.28	1.50	1.29	1.25
P/S TTM	0.70	0.58	0.58	0.45	0.48	0.42	0.38	0.39	0.34	0.38	0.32	0.28
Market Cap	1.14B	937.41M	931.32M	717.12M	754.25M	643.31M	575.63M	594.94M	503.80M	546.50M	440.44M	376.95M
Enterprise Value	635.18M	439.29M	553.96M	343.56M	419.37M	346.18M	414.79M	362.69M	253.53M	249.35M	142.51M	135.62M
Calculated Values
Free Cash Flow TTM	339.68M	344.76M	377.06M	249.82M	269.52M	235.91M	129.99M	231.41M	218.67M	197.52M	66.95M	168.61M
Net Debt	-502.94M	-498.12M	-377.36M	-373.55M	-334.88M	-297.13M	-160.83M	-232.24M	-250.27M	-297.14M	-297.94M	-241.34M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
PEG Ratio
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
EV Revenue TTM
EV FCF TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-06-11Sale

Owner: Downes, Sean P

Title: Executive Chairman

Shares: 20,000

Price/Share: $38.22

Value: $764,400.00

Shares Owned: 1,148,255

Relationship: Director,Officer

Ownership: Direct

2026-05-15Sale

Owner: Downes, Sean P

Title: Executive Chairman

Shares: 20,000

Price/Share: $39.06

Value: $781,200.00

Shares Owned: 1,168,255

Relationship: Director,Officer

Ownership: Direct

2026-05-13Sale

Owner: Pietrangelo, Michael

Title: -

Shares: 4,500

Price/Share: $39.29

Value: $176,805.00

Shares Owned: 81,293

Relationship: Director

Ownership: Direct

2026-04-29Sale

Owner: Downes, Sean P

Title: Executive Chairman

Shares: 20,000

Price/Share: $40.11

Value: $802,200.00

Shares Owned: 1,188,255

Relationship: Director,Officer

Ownership: Direct

2026-03-31Sale

Owner: Campos, Kimberly D

Title: CIO & CAO

Shares: 946

Price/Share: $34.12

Value: $32,277.52

Shares Owned: 7,422

Relationship: Director,Officer

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-06-11	Downes, Sean P	Director,Officer	Executive Chairman	Direct	Sale	20,000	38.22	$764,400.00	1,148,255	4
2026-05-15	Downes, Sean P	Director,Officer	Executive Chairman	Direct	Sale	20,000	39.06	$781,200.00	1,168,255	4
2026-05-13	Pietrangelo, Michael	Director	-	Direct	Sale	4,500	39.29	$176,805.00	81,293	4
2026-04-29	Downes, Sean P	Director,Officer	Executive Chairman	Direct	Sale	20,000	40.11	$802,200.00	1,188,255	4
2026-03-31	Campos, Kimberly D	Director,Officer	CIO & CAO	Direct	Sale	946	34.12	$32,277.52	7,422	4
2026-03-30	Peterson, Richard D	Director	-	Indirect	Sale	2,000	34.10	$68,200.00	6,319	4
2026-03-26	Campos, Kimberly D	Director,Officer	CIO & CAO	Direct	Sale	879	33.84	$29,745.36	7,422	4
2026-03-25	Downes, Sean P	Director,Officer	Executive Chairman	Direct	Sale	20,000	34.60	$692,000.00	1,206,788	4
2026-03-03	Campos, Kimberly D	Director,Officer	CIO & CAO	Direct	Sale	1,710	35.38	$60,499.80	7,422	4
2025-12-30	Donaghy, Stephen	Director,Officer	CEO	Direct	Sale	25,000	33.77	$844,250.00	654,961	4
2025-12-30	Peterson, Richard D	Director	-	Indirect	Sale	1,855	33.61	$62,346.55	8,319	4
2025-12-19	Downes, Sean P	Director,Officer	Executive Chairman	Direct	Sale	20,000	33.82	$676,400.00	1,243,512	4
2025-11-25	Downes, Sean P	Director,Officer	Executive Chairman	Direct	Sale	20,000	33.46	$669,200.00	1,263,512	4
2025-11-14	Springer, Jon	Director	-	Direct	Sale	24,308	34.51	$838,869.08	247,320	4
2025-10-30	Springer, Jon	Director	-	Direct	Sale	35,435	31.41	$1,113,013.35	271,628	4
2025-10-29	Downes, Sean P	Director,Officer	Executive Chairman	Direct	Sale	20,000	31.40	$628,000.00	1,283,512	4
2025-09-04	Downes, Sean P	Director,Officer	Executive Chairman	Direct	Sale	20,000	25.35	$507,000.00	1,303,512	4
2025-08-04	Downes, Sean P	Director,Officer	Executive Chairman	Direct	Sale	20,000	23.19	$463,800.00	1,323,512	4
2025-06-13	Downes, Sean P	Director,Officer	Executive Chairman	Direct	Sale	25,000	26.48	$662,000.00	901,667	4
2025-05-30	Springer, Jon	Director	-	Direct	Sale	30,000	27.06	$811,800.00	301,835	4
2025-05-16	Downes, Sean P	Director,Officer	Executive Chairman	Direct	Sale	20,000	26.34	$526,800.00	951,667	4
2025-05-06	Springer, Jon	Director	-	Direct	Sale	26,393	25.61	$675,924.73	331,835	4
2025-04-30	Downes, Sean P	Director,Officer	Executive Chairman	Direct	Sale	20,000	24.15	$483,000.00	971,667	4
2025-02-28	Downes, Sean P	Director,Officer	Executive Chairman	Direct	Sale	20,000	22.08	$441,600.00	990,200	4
2024-12-30	Downes, Sean P	Director,Officer	Executive Chairman	Direct	Sale	50,000	20.51	$1,025,500.00	985,320	4
2024-12-20	Springer, Jon	Director	-	Direct	Sale	25,000	20.66	$516,500.00	358,228	4
2024-12-19	Springer, Jon	Director	-	Direct	Sale	25,000	20.63	$515,750.00	383,228	4
2024-11-15	Downes, Sean P	Director,Officer	Executive Chairman	Direct	Sale	15,064	22.46	$338,337.44	1,047,198	4
2024-10-31	Downes, Sean P	Director,Officer	Executive Chairman	Direct	Sale	20,000	20.21	$404,200.00	1,062,262	4
2024-09-19	Downes, Sean P	Director,Officer	Executive Chairman	Direct	Sale	20,000	22.47	$449,400.00	1,082,262	4
2024-08-29	Downes, Sean P	Director,Officer	Executive Chairman	Direct	Sale	20,000	21.26	$425,200.00	1,102,262	4
2024-08-28	Springer, Jon	Director	-	Direct	Sale	26,822	20.88	$560,043.36	408,228	4
2024-08-23	Springer, Jon	Director	-	Direct	Sale	18,849	21.01	$396,017.49	435,050	4
2024-08-16	Springer, Jon	Director	-	Direct	Sale	35,173	20.53	$722,101.69	473,899	4
2024-08-13	Springer, Jon	Director	-	Direct	Sale	22,096	19.37	$427,999.52	509,072	4
2024-07-31	Downes, Sean P	Director,Officer	Executive Chairman	Direct	Sale	20,000	20.00	$400,000.00	1,122,262	4
2024-06-14	Downes, Sean P	Director,Officer	Executive Chairman	Direct	Sale	20,000	18.31	$366,200.00	1,142,262	4
2024-05-10	Pietrangelo, Michael	Director	-	Direct	Sale	12,351	20.43	$252,330.93	80,074	4
2024-05-02	Downes, Sean P	Director,Officer	Executive Chairman	Direct	Sale	20,000	19.72	$394,400.00	1,162,262	4
2024-03-07	Downes, Sean P	Director,Officer	Executive Chairman	Direct	Sale	20,000	19.53	$390,600.00	1,191,390	4
2023-12-22	Downes, Sean P	Director,Officer	Executive Chairman	Direct	Sale	20,000	16.60	$332,000.00	1,251,919	4
2023-11-03	Downes, Sean P	Director,Officer	Executive Chairman	Direct	Sale	20,000	16.13	$322,600.00	1,285,591	4
2023-09-06	Donaghy, Stephen	Director,Officer	CEO	Direct	Purchase	5,000	12.07	$60,350.00	706,051	4
2023-08-04	Downes, Sean P	Director,Officer	Executive Chairman	Direct	Sale	20,000	14.60	$292,000.00	1,305,591	4
2023-06-21	Pietrangelo, Michael	Director	-	Direct	Sale	15,000	16.34	$245,100.00	92,425	4
2023-06-13	Downes, Sean P	Director	-	Direct	Sale	20,000	16.87	$337,400.00	1,325,591	4
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Institutional Ownership

No data available for chart

2026-03-31

72.89%

Inst. Shares: 20,154,642

Shares Outstanding: 27,651,000

2025-12-31

72.84%

Inst. Shares: 20,315,794

Shares Outstanding: 27,890,000

2025-09-30

73.49%

Inst. Shares: 20,467,875

Shares Outstanding: 27,851,000

2025-06-30

74.54%

Inst. Shares: 20,849,725

Shares Outstanding: 27,972,000

2025-03-31

71.46%

Inst. Shares: 20,073,924

Shares Outstanding: 28,091,000

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	20,154,642	27,651,000	72.89%
2025-12-31	20,315,794	27,890,000	72.84%
2025-09-30	20,467,875	27,851,000	73.49%
2025-06-30	20,849,725	27,972,000	74.54%
2025-03-31	20,073,924	28,091,000	71.46%
2024-12-31	18,528,939	28,498,000	65.02%
2024-09-30	18,460,209	28,355,000	65.10%
2024-06-30	17,651,652	28,600,000	61.72%
2024-03-31	16,770,103	28,869,000	58.09%
2023-12-31	17,331,706	29,829,000	58.10%
2023-09-30	17,658,489	29,617,000	59.62%
2023-06-30	18,878,924	30,265,000	62.38%
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UNIVERSAL INSURANCE HOLDINGS, INC. (UVE) — SEC Financial Statements & Analysis

UNIVERSAL INSURANCE HOLDINGS, INC. (UVE) is a fire, marine & casualty insurance company, incorporated in DE. UNIVERSAL INSURANCE HOLDINGS, INC. trades on NYSE as: UVE. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), UNIVERSAL INSURANCE HOLDINGS, INC. reported a 3.96% year-over-year revenue growth, a Gross Profit Margin of 41.84% (TTM), a Price-to-Sales (P/S) ratio of 0.70x (TTM), a Price-to-Book (P/B) ratio of 1.79x (TTM), at a market cap of $1.14B. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 3.96%
Gross Profit Margin TTM: 41.84%
P/S TTM: 0.70x
P/B TTM: 1.79x
Market Cap: $1.14B

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is UNIVERSAL INSURANCE HOLDINGS, INC. in?

UNIVERSAL INSURANCE HOLDINGS, INC. (UVE) operates in the Fire, Marine & Casualty Insurance industry.

What is UVE's market cap?

UNIVERSAL INSURANCE HOLDINGS, INC. (UVE) has a market capitalization of $1.14B as of 2026-06-30.

What is UVE's P/E ratio?

UNIVERSAL INSURANCE HOLDINGS, INC. (UVE)'s trailing twelve month P/E ratio is 5.18x as of 2026-06-30.

What exchange does UVE trade on?

UNIVERSAL INSURANCE HOLDINGS, INC. (UVE) trades on the NYSE.

Where is UNIVERSAL INSURANCE HOLDINGS, INC. incorporated?

UNIVERSAL INSURANCE HOLDINGS, INC. is incorporated in DE.