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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. 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%

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Market cap: $1.3B
P/E: 6.0×
Fwd P/E: 8.1×
Dividend yield: 1.36%
F-score: 7/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

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

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