UNIVERSAL INSURANCE HOLDINGS, INC.

Listed Company

UVECIK 0000891166NYSELarge AcceleratedFire, Marine & Casualty InsuranceDelawareFY ends Dec 31

Period

FY 2025

Revenue

$1.60B

Net Income

$182.95M

Total Assets

$2.84B

Equity

$551.03M

Shares Out

27.91M

Op. Cash Flow

$381.49M

UVE$38.83+54.58% · past yearDBEQ Basic

Daily closing prices

Business

Universal Insurance Holdings, Inc. is a property and casualty insurance holding company offering personal residential homeowners and allied-lines insurance through its subsidiaries UPCIC and APPCIC. The company underwrites and distributes policies via an independent agent network of approximately 9,500 agents and direct-to-consumer online channels, including its digital agency Clovered. Operating primarily in Florida and 18 other states, UVE provides integrated risk management, claims management, and reinsurance services through wholly-owned subsidiaries including Evolution Risk Advisors, Alder Adjusting, and Blue Atlantic Reinsurance Corporation.

Summary from 10-K filed 2026-02-27

Financials

Consolidated Statement of Income

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Direct premiums written	2,140	2,070	1,922	1,846	1,671
Change in unearned premium	−32	−70	−47	−86	−75
Direct premium earned	2,109	2,000	1,875	1,760	1,597
Ceded premium earned	−670	−627	−623	−631	−561
Premiums earned, net	1,439	1,373	1,252	1,129	1,035
Net investment income	71	59	48	26	13
Net realized gains (losses) on investments	6	−1	−1	348,000	6
Net change in unrealized gains (losses) on investments	−1	10	12	−13	−4
Commission revenue	61	52	54	53	42
Policy fees	20	19	19	20	23
Other revenue	8	8	7	8	8
Total revenues	1,604	1,521	1,392	1,223	1,122
Losses and loss adjustment expenses	986	1,087	993	938	779
Policy acquisition costs	250	—	208	—	—
Other operating costs and expenses	118	109	96	—	—
Total operating costs and expenses	1,354	1,429	1,297	1,243	1,093
Interest and amortization of debt issuance costs	6	6	7	7	—
INCOME (LOSS) BEFORE INCOME TAX EXPENSE (BENEFIT)	243	85	88	−27	28
Income tax expense (benefit)	60	26	22	−5	8
NET INCOME (LOSS)	183	59	67	−22	20
Basic earnings (loss) per common share (in USD per share)	6.56	2.07	2.24	−0.72	0.65
Weighted average common shares outstanding - Basic (in shares)	28	28	30	31	31
Diluted earnings (loss) per common share (in USD per share)	6.32	2.01	2.22	−0.72	0.65
Weighted average common shares outstanding - Diluted (in shares)	29	29	30	31	31
Cash dividend declared per common share (in USD per share)	0.77	0.77	0.77	0.77	0.77

Consolidated Balance Sheet

As of · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Available-for-sale debt securities, at fair value, net of allowance for credit losses of $631 and $1,018 (amortized cost: $1,466,145 and $1,353,532)	1,431	1,269	1,064	1,015	1,040
Equity securities, at fair value (cost: $87,326 and $79,917)	85	78	80	85	47
Other investments, at fair value (cost: $5,000 and $8,794)	11	16	10	0	—
Investment real estate, net	5	8	6	6	6
Total invested assets	1,533	1,371	1,161	1,106	1,094
Cash and cash equivalents	409	259	397	389	251
Restricted cash and cash equivalents	69	3	3	3	3
Prepaid reinsurance premiums	291	263	236	282	241
Reinsurance recoverable	233	628	219	809	186
Premiums receivable, net	76	78	77	70	65
Property and equipment, net	49	49	48	51	54
Deferred policy acquisition costs	129	121	110	104	109
Deferred income tax asset, net	28	42	43	57	16
Other assets	24	28	23	18	22
Total assets	2,840	2,842	2,317	2,890	2,056
Unpaid losses and loss adjustment expenses	681	959	510	1,039	346
Unearned premiums	1,092	1,060	991	944	858
Advance premium	62	46	49	55	54
Income taxes payable	29	7	6	0	—
Reinsurance payable, net	257	220	192	385	189
Commission payable	26	26	21	19	22
Other liabilities and accrued expenses	42	49	91	59	27
Debt, net of issuance costs	100	101	102	103	104
Total liabilities	2,289	2,469	1,975	2,602	1,626
Commitments and Contingencies (Note 15)	—	—	—	—	—
Cumulative convertible preferred stock	0	0	0	0	0
Common stock	482,000	475,000	472,000	472,000	470,000
Treasury shares, at cost - 20,226 and 19,382	−305	−283	−261	−239	−227
Additional paid-in capital	124	122	115	113	108
Accumulated other comprehensive income (loss), net of taxes	−26	−63	−74	−104	−16
Retained earnings	757	597	561	517	564
Total stockholders equity	551	373	341	288	430
Total liabilities and stockholders equity	2,840	2,842	2,317	2,890	2,056

Consolidated Statement of Cash Flows

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Bad debt expense	3	548,000	504,000	708,000	463,000
Depreciation and amortization	6	6	7	7	7
Amortization of share-based compensation	9	8	3	5	6
Amortization of debt issuance costs	708,000	708,000	708,000	703,000	56,000
Provision for (or reversal of) credit losses on available-for-sale debt securities	−386,000	452,000	−354,000	431,000	303,000
Book overdraft increase (decrease)	0	−15	15	−27	−33
Net realized (gains) losses on sale of investments	−6	1	1	−348,000	−6
Amortization of premium/accretion of discount, net	624,000	4	7	8	10
Deferred income taxes	3	−3	4	−12	−4
Excess tax (benefit) shortfall from share-based compensation	−1	1	−20,000	222,000	661,000
Loss (gain) on disposal of assets	128,000	104,000	642,000	−21,000	148,000
Prepaid reinsurance premiums	−28	−26	46	−41	−25
Reinsurance recoverable	395	−409	590	−623	−25
Income taxes payable	23	−530,000	6	0	0
Premiums receivable, net	81,000	−1	−8	−5	1
Accrued investment income	−2	−2	−1	−2	−1
Income taxes recoverable	0	0	2	15	13
Deferred policy acquisition costs	−7	−11	−6	5	2
Other assets	5	−8	−3	−853,000	697,000
Unpaid losses and loss adjustment expenses	−279	449	−529	693	24
Unearned premiums	32	70	47	86	75
Commission payable	376,000	5	2	−4	−1
Reinsurance payable, net	37	28	−193	196	178
Other liabilities and accrued expenses	−9	−9	31	31	−16
Advance premium	16	−2	−6	1	4
Net cash provided by (used in) operating activities	381	137	71	325	234
Proceeds from sale of property and equipment	40,000	108,000	42,000	97,000	162,000
Purchases of property and equipment	−4	−7	−4	−5	−7
Purchases of equity securities	−29	−3	−33	−77	−55
Purchases of available-for-sale debt securities	−430	−385	−146	−200	−450
Purchases of other investments	−1	0	−5	0	0
Purchases of investment real estate, net	0	−3	0	−6,000	−7,000
Proceeds from sales of equity securities	22	14	45	34	85
Proceeds from sales of available-for-sale debt securities	127	49	19	29	97
Proceeds from sale of other investments	11	0	0	—	—
Maturities of available-for-sale debt securities	191	107	109	69	90
Net cash provided by (used in) investing activities	−114	−228	−15	−149	−229
Preferred stock dividend	−10,000	−10,000	−10,000	−10,000	−10,000
Common stock dividend	−22	−22	−23	−24	−24
Purchase of treasury stock, inclusive of excise taxes paid	−22	−22	−22	−12	−2
Payments related to tax withholding for share-based compensation	−6	−1	−339,000	−418,000	−1
Repayment of debt	−1	−1	−1	−1	−1
Net cash provided by (used in) financing activities	−52	−47	−47	−37	68
Net increase (decrease) during the period	216	−138	9	138	73
Interest paid	6	6	6	6	127,000
Income taxes paid	36	28	10	—	—
Income tax refund	0	0	5,000	12	1

Filings

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Frequently asked questions

What is UNIVERSAL INSURANCE HOLDINGS, INC.'s CIK number?

UNIVERSAL INSURANCE HOLDINGS, INC.'s SEC CIK number is 0000891166 (891166). The CIK (Central Index Key) is the permanent identifier the SEC assigns to every EDGAR filer — unlike a ticker symbol, it never changes.

Where can I find UNIVERSAL INSURANCE HOLDINGS, INC.'s SEC filings?

All of UNIVERSAL INSURANCE HOLDINGS, INC.'s EDGAR filings — 10-K annual reports, 10-Q quarterly reports, 8-K material events, and insider transactions — are listed on this page, sourced live from SEC EDGAR.

When did UNIVERSAL INSURANCE HOLDINGS, INC. last report earnings?

UNIVERSAL INSURANCE HOLDINGS, INC. (UVE) most recently filed an earnings 8-K with the SEC on Apr 23, 2026, furnishing its results under Item 2.02 (Results of Operations and Financial Condition). The earnings press release is attached to that filing (accession 0000891166-26-000042). This is UNIVERSAL INSURANCE HOLDINGS, INC.'s most recent earnings filing of record — not a forecast of its next earnings date.

What is UNIVERSAL INSURANCE HOLDINGS, INC.'s most recent earnings 8-K?

UNIVERSAL INSURANCE HOLDINGS, INC.'s latest earnings 8-K (Item 2.02) was filed Apr 23, 2026 under accession 0000891166-26-000042. It carries the quarterly or annual earnings press release — the earliest official, SEC-filed version of the results.

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