Universal Insurance Holdings, Inc. (UVE)

NYSE: UVE · Real-Time Price · USD

44.14

-0.09 (-0.19%)

Sep 11, 2026, 2:45 PM EDT - Market open

UVE Financials Overview

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	1,630	1,604	1,521	1,392	1,223	1,122
Revenue Growth	3.96%	5.48%	9.27%	13.82%	8.99%	4.58%
Operating Income	299.33	249.49	91.09	94.88	-20.64	29.05
Net Income	219.89	182.94	58.92	66.81	-22.27	20.4
Earnings Per Share	7.61	6.32	2.01	2.22	-0.72	0.65
EPS Growth	233.67%	214.43%	-9.46%	-	-	8.53%

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	532.16	408.87	259.44	397.31	388.71	250.51
Total Debt	97.85	100.48	101.24	116.6	102.77	130.44
Net Cash (Debt)	434.31	308.39	158.2	280.7	285.94	120.07
Net Cash Growth	63.12%	94.94%	-43.64%	-1.83%	138.14%	20.92%
Net Cash Per Share	15.02	10.65	5.40	9.31	9.30	3.84

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	344.4	381.49	137.36	70.97	324.52	234.38
Capital Expenditures	-4.72	-4.44	-7.37	-4.02	-4.9	-7.23
Free Cash Flow	339.68	377.06	129.99	66.95	319.62	227.15
Free Cash Flow Growth	26.03%	190.06%	94.15%	-79.05%	40.71%	1772.34%

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Margin	18.37%	15.55%	5.99%	6.82%	-1.69%	2.59%
Pretax Margin	17.95%	15.15%	5.56%	6.35%	-2.23%	2.53%
Profit Margin	13.49%	11.41%	3.88%	4.80%	-1.82%	1.82%
FCF Margin	20.85%	23.51%	8.55%	4.81%	26.14%	20.25%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 11, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	0.640	0.640	0.640	0.640	0.640	0.640
Dividend Per Share Growth	0%	0%	0%	0%	0%	0%
Dividend Yield	1.45%	1.92%	3.17%	4.33%	6.85%	4.56%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 11, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	5.80	5.18	10.11	6.98	-	25.98
Forward PE	9.55	10.97	10.58	8.32	8.61	6.91
P/FCF Ratio	3.61	2.51	4.58	6.97	1.01	2.33
PS Ratio	0.75	0.59	0.39	0.34	0.26	0.47