Saturday 17 October 2026
Export UVE’s income statement to Excel — free account
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. In the quarter to June 2026, revenue grew 6.72%, EPS grew 71.2%, free cash flow fell 4.81% and total debt fell 2.98%, each against the same quarter a year earlier. Revenue growth for ten consecutive years.
47.09
0.25
+0.53%
Follow UVE
| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
10.09 | 8.89 | 11.32 | 21.53 | 26.51 | 25.76 | 0.00 | 7.28 | 10.27 | 5.25 |
Piotroski F-Score |
5 | 6 | 4 | 6 | 6 | 5 | 5 | 7 | 6 | 7 |
P/S ratio |
1.47 | 1.27 | 1.60 | 1.01 | 0.45 | 0.47 | 0.26 | 0.35 | 0.39 | 0.59 |
P/FCF ratio |
8.87 | 3.96 | 5.92 | 12.94 | 39.12 | 2.24 | 0.98 | 7.23 | 4.61 | 2.50 |
P/Operating CF |
(17.54) | (23.09) | 233.89 | 33.87 | (3.34) | (13.40) | 3.10 | 1,423.90 | (5.92) | 36.15 |
P/B ratio |
2.70 | 2.16 | 2.63 | 1.92 | 1.07 | 1.24 | 1.09 | 1.42 | 1.61 | 1.71 |
Price to Tangible BV |
2.70 | 2.16 | 2.63 | 1.92 | 1.07 | 1.24 | 1.09 | 1.42 | 1.61 | 1.71 |
EV/Sales |
1.33 | 1.04 | 1.54 | 0.92 | 0.34 | 0.36 | 0.02 | 0.14 | 0.30 | 0.36 |
EV/EBITDA |
5.59 | 4.60 | 8.29 | 13.61 | 15.20 | 14.02 | 0.00 | 2.12 | 4.98 | 2.29 |
EV/Operating CF |
7.51 | 3.20 | 5.51 | 10.22 | 12.60 | 1.74 | 0.09 | 2.83 | 3.30 | 1.50 |
EV/FCF |
8.05 | 3.26 | 5.67 | 11.79 | 30.03 | 1.72 | 0.09 | 3.00 | 3.49 | 1.52 |
Quick Ratio |
0.45 | 0.61 | 0.61 | 0.53 | 0.51 | 0.51 | 0.64 | 0.53 | 0.54 | 0.52 |
Current Ratio |
0.45 | 0.61 | 0.61 | 0.53 | 0.51 | 0.51 | 0.64 | 0.53 | 0.54 | 0.52 |
Net Debt/EBITDA |
(0.55) | (0.93) | (0.34) | (1.20) | (3.29) | (2.68) | 63.93 | (2.59) | (1.58) | (1.47) |
Debt/Assets |
1.42% | 3.41% | 6.15% | 5.83% | 3.86% | 6.34% | 3.56% | 5.03% | 3.56% | 3.54% |
Debt/Equity |
0.04 | 0.11 | 0.23 | 0.20 | 0.15 | 0.30 | 0.36 | 0.34 | 0.27 | 0.18 |
Asset Turnover |
0.67 | 0.60 | 0.50 | 0.53 | 0.62 | 0.59 | 0.49 | 0.53 | 0.59 | 0.56 |
Operating CF/Net income |
1.22 | 2.29 | 1.97 | 1.82 | 1.54 | 11.49 | (14.57) | 1.06 | 2.33 | 2.09 |
Capex/Depreciation |
(1.22) | (0.57) | (1.06) | (1.70) | (1.75) | 0.13 | (0.30) | (0.27) | (0.69) | (0.57) |
| 29.93% | 26.36% | 24.86% | 9.34% | 4.05% | 4.64% | (6.21%) | 21.24% | 16.49% | 39.59% | |
| 9.68% | 8.50% | 7.06% | 2.60% | 1.10% | 1.07% | (0.90%) | 2.57% | 2.28% | 6.44% | |
ROIC |
36.64% | 38.97% | 21.38% | 9.69% | 4.51% | 5.91% | 0.00% | 102.31% | 26.80% | 89.78% |
Return on Tangible Assets |
(31.33%) | (31.79%) | (24.66%) | (9.04%) | (3.48%) | (3.02%) | 2.72% | (8.61%) | (5.85%) | (18.96%) |
Average Days of Receivables |
94.98 | 180.44 | 275.23 | 167.99 | 150.73 | 159.91 | 346.55 | 139.65 | 232.43 | 136.47 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
32.27% | 30.72% | 31.13% | 29.00% | 27.00% | 27.95% | 24.94% | 0.00% | 22.50% | 0.00% |
Intangible Assets out of Total Assets |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Share Based Compensation of Revenue |
1.50% | 1.40% | 1.55% | 1.38% | 0.81% | 0.52% | 0.39% | 0.21% | 0.53% | 0.54% |
Graham Net Nets |
(0.40) | (0.45) | (0.43) | (0.64) | (1.43) | (1.66) | (3.34) | (2.15) | (2.06) | (1.28) |
Graham Number |
26.11 | 29.53 | 32.94 | 20.65 | 13.44 | 14.30 | 0.00 | 23.96 | 24.58 | 53.51 |
Earnings Yield |
9.91% | 11.25% | 8.83% | 4.64% | 3.77% | 3.88% | (7.14%) | 13.74% | 9.73% | 19.05% |
Free Cash Flow Yield |
11.28% | 25.28% | 16.90% | 7.73% | 2.56% | 44.58% | 101.63% | 13.84% | 21.68% | 40.00% |
Revenue per Share |
19.63 | 21.58 | 23.63 | 27.72 | 33.65 | 35.94 | 39.76 | 46.65 | 53.36 | 57.51 |
Operating CF per Share |
3.48 | 7.03 | 6.60 | 2.50 | 0.92 | 7.51 | 10.55 | 2.38 | 4.82 | 13.68 |
Capex per Share |
(0.23) | (0.13) | (0.19) | (0.33) | (0.53) | 0.07 | (0.16) | (0.13) | (0.25) | (0.16) |
Free Cash Flow per Share |
3.24 | 6.90 | 6.41 | 2.16 | 0.39 | 7.58 | 10.40 | 2.25 | 4.57 | 13.52 |
Cash per Share |
3.10 | 6.20 | 4.85 | 5.45 | 5.64 | 8.11 | 12.73 | 13.41 | 9.20 | 17.13 |
Shareholders Equity per Share |
10.63 | 12.63 | 14.39 | 14.57 | 14.09 | 13.76 | 9.36 | 11.44 | 13.10 | 19.76 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
10.63 | 12.63 | 14.39 | 14.57 | 14.09 | 13.76 | 9.36 | 11.44 | 13.10 | 19.76 |
Free Cash Flow |
113.21 | 240.42 | 223.41 | 73.32 | 12.31 | 236.61 | 319.71 | 66.99 | 130.10 | 377.10 |
Working Capital |
(349.43) | (369.21) | (509.66) | (555.92) | (601.98) | (728.45) | (869.92) | (823.42) | (1,055.96) | (1,014.25) |
Capital Expenditures |
(8.19) | (4.59) | (6.70) | (11.28) | (17.03) | 2.23 | (4.80) | (3.98) | (7.26) | (4.40) |
Net Current Asset Value |
(402.13) | (427.18) | (566.48) | (608.88) | (686.58) | (881.79) | (1,050.07) | (1,042.90) | (1,238.27) | (1,211.15) |
EV/EBIT |
5.59 | 4.60 | 8.29 | 13.61 | 15.20 | 14.04 | 0.00 | 2.12 | 4.98 | 2.29 |
Capex to Sales |
0.01 | 0.01 | 0.01 | 0.01 | 0.02 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Price to Operating Income |
6.16 | 5.58 | 8.65 | 14.94 | 19.80 | 18.27 | 0.00 | 5.10 | 6.59 | 3.78 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.21 | 0.25 | 0.18 | 0.16 | 0.18 | 0.31 | 0.31 | 0.31 | 0.22 | 0.16 |
Cash ROIC |
22.89% | 34.07% | 28.46% | 9.41% | 1.77% | 29.09% | 40.88% | 7.81% | 17.66% | 33.39% |
Accounts Receivable Turnover |
3.69 | 2.73 | 1.66 | 1.78 | 2.45 | 2.40 | 1.48 | 1.64 | 2.03 | 2.05 |
Accounts Payable Turnover |
0.47 | 0.45 | 0.39 | 0.53 | 0.68 | 0.60 | 0.49 | 0.58 | 0.66 | 0.56 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
770.79 | 958.60 | 1,054.25 | 654.86 | 560.61 | 677.50 | 942.11 | 529.33 | 631.81 | 617.65 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Receivables |
185.90 | 275.02 | 496.46 | 526.77 | 437.68 | 467.26 | 826.18 | 846.64 | 750.34 | 783.97 |
Average Payables |
638.05 | 778.23 | 1,058.71 | 1,139.85 | 1,124.03 | 1,305.91 | 1,934.23 | 2,081.65 | 2,013.74 | 2,189.03 |
Average Assets |
1,026.78 | 1,257.50 | 1,656.69 | 1,789.12 | 1,739.30 | 1,907.44 | 2,473.15 | 2,603.36 | 2,579.21 | 2,840.78 |
Average Common Equity |
332.14 | 405.59 | 470.81 | 497.77 | 471.58 | 439.48 | 358.80 | 314.60 | 357.27 | 462.14 |
Columns are period end dates