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%
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
Jun '26 Mar '26 Dec '25 Sep '25 Older periods
P/E ratio
5.30 4.94 5.25 6.02

+8 more quarters

P/S ratio
0.70 0.59 0.59 0.46
P/FCF ratio
3.36 2.74 2.50 2.93
P/Operating CF
11.30 6.10 36.15 11.73
P/B ratio
1.79 1.62 1.71 1.48
Price to Tangible BV
1.79 1.62 1.71 1.48
EV/Sales
0.40 0.28 0.36 0.23
EV/EBITDA
2.16 1.71 2.29 2.17
EV/Operating CF
1.88 1.30 1.50 1.44
EV/FCF
1.90 1.31 1.52 1.46
Quick Ratio
0.57 0.51 0.52 0.55
Current Ratio
0.57 0.51 0.52 0.55
Net Debt/EBITDA
(6.16) (6.80) (4.19) (6.75)
Debt/Assets
2.96% 3.62% 3.54% 3.47%
Debt/Equity
0.15 0.17 0.18 0.22
Asset Turnover
0.50 0.58 0.56 0.55
Operating CF/Net income
1.71 2.85 0.39 1.57
Capex/Depreciation
0.00 0.00 0.00 0.00
Research and Development Expense of Revenue
0.00% 0.00% 0.00% 0.00%
Selling, General and Administrative Expense of Revenue
0.00% 0.00% 0.00% 0.00%
Intangible Assets out of Total Assets
0.00 0.00 0.00 0.00
Share Based Compensation of Revenue
0.00% 0.00% 0.00% 0.00%
Graham Net Nets
(1.09) (1.26) (1.28) (1.72)
Graham Number
63.67 57.38 53.51 41.81
Earnings Yield
18.88% 20.26% 19.05% 16.62%
Free Cash Flow Yield
29.74% 36.51% 40.00% 34.11%
Revenue per Share
15.46 14.23 14.63 14.40
Operating CF per Share
3.66 5.60 0.94 2.24
Capex per Share
(0.03) (0.06) (0.04) (0.04)
Free Cash Flow per Share
3.63 5.54 0.90 2.20
Cash per Share
21.75 21.64 17.13 17.03
Shareholders Equity per Share
23.07 21.15 19.76 17.77
Interest Debt per Share
0.00 0.00 0.00 0.00
Book value per Share
23.07 21.15 19.76 17.77
Free Cash Flow
100.19 153.28 25.02 61.28
Working Capital
(1,064.52) (965.22) (1,014.25) (1,078.35)
Capital Expenditures
(0.89) (1.54) (1.06) (1.15)
Net Current Asset Value
(1,243.68) (1,191.36) (1,211.15) (1,257.00)
EV/EBIT
2.16 1.71 2.29 2.17
Capex to Sales
0.00 0.00 0.00 0.00
Price to Operating Income
3.82 3.55 3.78 4.35
Other line items
Average Receivables
964.57 521.71 783.97 752.37
Average Payables
2,568.26 2,031.75 2,189.03 2,235.32
Average Assets
3,290.99 2,742.05 2,840.78 2,870.08
Average Common Equity
547.48 503.57 462.14 447.64

Fold the line items

Columns are period end dates