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UNIVERSAL INSURANCE HOLDINGS INC

UVE Financial Insurance Property & Casualty

UNIVERSAL INSURANCE HOLDINGS INC’s revenue for fiscal 2025 (year ended December 2025) was $1.6 billion, up 5.48% from fiscal 2024.

Revenue
+9.56%
EPS
+32.9%
Free cash flow
+34.2%
Total debt
−9.23%

Quarter to September 2026, against a year earlier

47.19 1.59 −3.26%
Market cap
$1.3B
P/E
5.7×
Fwd P/E
7.5×
Dividend yield
1.36%
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Sold, $m 10.70
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell 3 — — 5 1 2 1 — 1 1 1 1
Insider Ownership 8.79%

Capital & Financial Ratios $m

Size
Market Cap 1,310.00
Revenue ttm 1,667.84
Net income ttm 182.95
Free cash flow ttm 360.70
Net debt Q (540.71)
Valuation
P/E 5.70
Forward P/E 7.52
Price / sales 0.78
Forward P/S Powerpack
Price / FCF 3.61
Price / book 2.02
Financial health
Current ratio Q 0.56
Debt / equity Q 0.15
Interest coverage Q (56.20)
Growth
Revenue growth Q +9.56% (above 0%: growing)
Operating income growth Q +32.82% (above 0%: growing)
EPS, this year −1.21% (below 0%: weak)
EPS, next year A −13.47% (below 0%: weak)
Revenue, next year A +2.75%
EPS, past 5 yrs +60.14% (at or above 15%: strong)
EPS, next 5 yrs A −3.48% (below 0%: weak)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 9.41%
10-year low 10-year high
P/S against its own 10 years 61.09%
10-year low 10-year high
P/B against its own 10 years 74.44%
10-year low 10-year high

Dividends

Yield
1.36%
Annual rate
0.64
Payout ratio
8.00%
Growth, 2018–26
−2.75%/yr
  1. 0.60 ’18
  2. 0.48 ’19 −20
  3. 0.64 ’20 +33
  4. 0.64 ’21 +0
  5. 0.64 ’22 +0
  6. 0.48 ’23 −25
  7. 0.64 ’24 +33
  8. 0.64 ’25 +0
  9. 0.48 ’26 −25
paid change on the year, %

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 400 262 478 638
Receivables 532 968 600 664
Inventory — — — —
Other — — — —
932 1,230 1,078 1,303
2023 2024 2025 Q'26
Payables 1,741 2,286 2,092 2,346
ST’ Debt 15 — — 0
Other — — — —
1,756 2,286 2,092 2,346

Compound Annual Growth %

10y 5y 3y
Sales 11.37% 8.38% 9.47%
Cash Flow 5.69% 67.03% 5.54%
Earnings 5.56% 57.14% 0.00%
Book Value 6.52% 4.17% 24.16%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 1.34 Actual 1.93

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 1.30 2.17 Beat by 0.87
Q1 FY26 1.39 2.00 Beat by 0.61
Q2 FY26 1.43 1.84 Beat by 0.41
Q3 FY26 1.34 1.93 Beat by 0.59
Q4 FY26 0.74 — Reports 23 February 2027

EPS $

Mar Jun Sep Dec Year
’26 1.88 2.04 1.80 — —
’25 1.44 1.21 1.38 2.28 6.32
’24 1.14 1.21 (0.57) 0.21 2.01
’23 0.79 0.93 (0.20) 0.68 2.22
’22 0.56 0.24 (2.36) 0.82 (0.72)
’21 0.84 0.70 0.64 (1.54) 0.65
’20 0.61 0.62 (0.10) (0.57) 0.60
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 394 427 439 — —
’25 395 400 401 408 1,604
’24 368 380 388 385 1,521
’23 317 340 360 375 1,392
’22 287 292 313 330 1,223
’21 263 279 287 293 1,122
’20 235 253 312 273 1,073
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 155 101 83 — —
’25 187 106 62 26 381
’24 83 73 83 (101) 137
’23 (50) 52 69 0 71
’22 (27) 253 (2) 101 325
’21 61 196 17 (40) 234
’20 46 145 (17) (144) 29
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 153 100 82 — —
’25 186 105 61 25 377
’24 80 72 81 (102) 130
’23 (51) 51 68 (1) 67
’22 (29) 251 (3) 101 320
’21 60 194 24 (41) 237
’20 41 140 (22) (147) 12
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 685 752 824 939 1,073 1,122 1,223 1,392 1,521 1,604 1,668 +9.9% 1,648 1,543 1,546 (1.2%)
Gross margin, % 56.04 53.40 49.69 35.76 29.27 30.54 23.25 13.72 13.14 22.93 26.61 (33.1) pt
EBT 163 170 153 64 24 28 (27) 88 85 243 310 +4.5%
EBT margin, % 23.77 22.67 18.56 6.76 2.26 2.53 (2.23) 6.35 5.56 15.15 18.58 (8.6) pt
Net income 99 107 117 47 19 20 (22) 67 59 183 183 +7.0%
Per share, $
Per share, $ Revenue 19.63 21.58 23.63 27.72 33.65 35.94 39.76 46.65 53.36 57.51 60.41 +12.7%
Earnings 2.85 3.07 3.36 1.37 0.60 0.65 (0.72) 2.24 2.07 6.32 8.28 +9.3%
Cash flow 3.48 7.03 6.60 2.50 0.92 7.51 10.55 2.38 4.82 13.68 13.22 +16.4%
Capex (0.23) (0.13) (0.19) (0.33) (0.53) 0.07 (0.16) (0.13) (0.25) (0.16) (0.16) (4.3%)
Free cash flow 3.24 6.90 6.41 2.16 0.39 7.58 10.40 2.25 4.57 13.52 13.07 +17.2%
Book value 10.63 12.63 14.39 14.57 14.09 13.76 9.36 11.44 13.10 19.76 23.40 +7.1%
Shares, m 35 35 35 34 32 31 31 30 28 28 28 (2.5%)
Valuation, ×
Valuation, × P/E 10.09 8.89 11.32 21.53 26.51 25.76 0.00 7.28 10.27 5.25 5.70 12.7
P/S 1.47 1.27 1.60 1.01 0.45 0.47 0.26 0.35 0.39 0.59 0.78 0.8
P/B 2.70 2.16 2.63 1.92 1.07 1.24 1.09 1.42 1.61 1.71 2.02 1.8
EV/Sales 1.33 1.04 1.54 0.92 0.34 0.36 0.02 0.14 0.30 0.36 — 0.6
EV/FCF 8.05 3.26 5.67 11.79 30.03 1.72 0.09 3.00 3.49 1.52 — 6.9
Cash, $m
Cash, $m Operating cash flow 121 245 230 85 29 234 325 71 137 381 365 +13.6%
Capex (8) (5) (7) (11) (17) 2 (5) (4) (7) (4) (4) (6.7%)
Free cash flow 113 240 223 73 12 237 320 67 130 377 361 +14.3%
Balance, $m
Balance, $m Working capital (349) (369) (510) (556) (602) (728) (870) (823) (1,056) (1,014) (1,043) +12.6%
Net debt (93) (167) (55) (84) (112) (123) (289) (283) (161) (377) (541) +16.8%
Shareholders’ equity 371 440 502 494 449 430 288 341 373 551 646 +4.5%
Returns, %
Returns, % ROA 9.68 8.50 7.06 2.60 1.10 1.07 (0.90) 2.57 2.28 6.44 7.41 (3.2) pt
ROIC 36.64 38.97 21.38 9.69 4.51 5.91 0.00 102.31 26.80 89.78 188.21 +53.1 pt
ROE 29.93 26.36 24.86 9.34 4.05 4.64 (6.21) 21.24 16.49 39.59 40.76 +9.7 pt
People
People Employees 483 558 734 805 909 1,047 1,223 1,244 1,068 929 — +7.5%
Revenue/emp, $m 1.42 1.35 1.12 1.17 1.18 1.07 1.00 1.12 1.42 1.73 — +2.2%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 2 Nov 2026

UNIVERSAL INSURANCE HOLDINGS INC vs peers in Insurance Property & Casualty (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
SAFT Safety Insurance Group, Inc. $1.5B 22.4× — (loss-making) +2.95% (above 0%: growing) +21.03% (above 0%: growing) +16.88% (above 0%: growing) 14.33% 13.69% Compare
TRUP Trupanion, Inc. $1.5B 56.6× 50.0× +10.54% (above 0%: growing) +50.00% (above 0%: growing) +18.93% (above 0%: growing) 17.14% 0.00% Compare
STC Stewart Information Services Corporation $1.5B 12.2× 10.7× +13.02% (above 0%: growing) −36.77% (below 0%: shrinking) −12.37% (below 0%: shrinking) 64.58% 8.51% Compare
UVE UNIVERSAL INSURANCE HOLDINGS INC $1.3B 5.7× 7.5× +9.56% (above 0%: growing) +32.87% (above 0%: growing) +34.17% (above 0%: growing) 24.43% 16.44%
UFCS United Fire Group, Inc $1.2B 9.0× 11.5× +10.62% (above 0%: growing) −10.07% (below 0%: shrinking) +67.57% (above 0%: growing) 33.79% 11.44% Compare
ASIC Ategrity Specialty Insurance Company Holdings $1.2B 12.0× 11.8× +8.18% (above 0%: growing) −36.17% (below 0%: shrinking) +80.75% (above 0%: growing) 0.00% 11.63% Compare
BOW Bowhead Specialty Holdings Inc. $1.1B 19.1× 17.0× +19.34% (above 0%: growing) −12.71% (below 0%: shrinking) +68.59% (above 0%: growing) 29.41% 13.72% Compare
HRTG Heritage Insurance Holdings, Inc. $998.3M 4.8× 6.7× +2.96% (above 0%: growing) +32.90% (above 0%: growing) +237.57% (above 0%: growing) 50.25% 39.15% Compare
OIG Orion180 Insurance Group Inc. $874.5M — — — — — — — Compare
Median of peers $1.2B 12.2× 11.7× +10.54% −10.07% +67.57% 29.41% 11.63%

All 46 Insurance Property & Casualty stocks →

Pay and ownership Proxy statement filed 24 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 5.24m 8.73m 281.48
2024 4.51m 7.30m 170.27
2023 4.36m 6.96m 124.47
2022 3.58m 1.92m 78.71
2021 3.54m 3.22m 118.39
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Read the proxy statement

UNIVERSAL INSURANCE HOLDINGS INC (UVE) Latest News

3 Nov

Impact 3 · · The Motley Fool

28 Oct

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24 Oct

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Impact 3 · · Simply Wall St.
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23 Oct

Impact 4 · · MarketBeat transcript
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Impact 3 · · The Motley Fool transcript
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22 Oct

Impact 4 · · Zacks
Impact 4 · · Business Wire earnings
Impact 3 · · Associated Press

14 Oct

Impact 3 · · Simply Wall St.

12 Oct

Impact 3 · · Zacks
Impact 3 · · Zacks
Impact 3 · · Zacks

27 Sep

Impact 3 ·

25 Sep

Impact 4 · · Zacks

24 Sep

Impact 3 · · Zacks
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1 Sep

Impact 3 ·

25 Jul

Impact 3 ·
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24 Jul

Impact 3 ·
Impact 3 · · MarketBeat
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Impact 3 · · Moby
stockrow.com/UVE · Data as of Nov 2, 2026 · For information only; not investment advice. · © 2026 stockrow.com