Universal Insurance Holdings, Inc. (UVE)

UVE Cash Flow Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	182.95	58.93	66.82	-22.26	20.41
Depreciation & Amortization	6.44	6.12	7.31	7.3	6.91
Stock-Based Compensation	8.65	8.12	2.92	4.73	5.82
Other Adjustments	1.51	-4.42	1.64	10.84	5.23
Changes in Receivables	-1.94	-3.02	-9.32	-7.42	0.24
Changes in Reinsurance Contract Assets	366.38	-434.98	635.92	-664.7	-50.44
Changes in Deferred Acquisition Costs	-7.39	-11.19	-6.33	5.17	1.79
Changes in Accounts Payable	37.29	33.42	-190.21	192.07	176.86
Changes in Accrued Expenses	-8.95	-9.09	31.47	31.27	-15.98
Changes in Unearned Premiums	47.12	67.46	40.4	87.36	78.77
Changes in Claims Reserves	-278.58	449.17	-528.67	692.57	23.75
Changes in Income Taxes Payable	23.1	-0.53	7.43	15.2	13.67
Changes in Other Operating Activities	4.89	-22.64	11.6	-27.61	-32.64
Operating Cash Flow	381.49	137.36	70.97	324.52	234.38
Operating Cash Flow Growth	177.74%	93.54%	-78.13%	38.46%	698.62%
Capital Expenditures	-4.44	-7.37	-4.02	-4.9	-7.23
Sale of Property, Plant & Equipment	0.04	0.11	0.04	0.1	0.16
Purchases of Investments	-462.91	-388.13	-184.67	-276.65	-505.84
Proceeds from Sale of Investments	350.93	170.06	173.4	132.59	283.5
Investing Cash Flow	-113.61	-228.09	-15.25	-148.86	-229.4
Short-Term Debt Repaid	-1.47	-1.47	-1.47	-1.47	-1.47
Net Short-Term Debt Issued (Repaid)	-1.47	-1.47	-1.47	-1.47	-1.47
Long-Term Debt Issued	-	-	-	-	100
Net Long-Term Debt Issued (Repaid)	-	-	-	-	100
Repurchase of Common Stock	-22.37	-21.91	-22.02	-11.64	-1.61
Net Common Stock Issued (Repurchased)	-22.37	-21.91	-22.02	-11.64	-1.61
Common Dividends Paid	-22.17	-22.32	-23.28	-23.77	-24.19
Preferred Share Dividends Paid	-0.01	-0.01	-0.01	-0.01	-0.01
Other Financing Activities	-6.11	-1.42	-0.34	-0.56	-4.42
Financing Cash Flow	-52.12	-47.13	-47.12	-37.46	68.3
Net Cash Flow	215.76	-137.87	8.6	138.2	73.27
Free Cash Flow	377.06	129.99	66.95	319.62	227.15
Free Cash Flow Growth	190.06%	94.15%	-79.05%	40.71%	1772.34%
FCF Margin	23.51%	8.55%	4.81%	26.14%	20.25%
Free Cash Flow Per Share	13.02	4.44	2.22	10.39	7.26
Levered Free Cash Flow	645.95	-321.33	598.93	-382.58	290.64
Unlevered Free Cash Flow	652.25	-315.35	605.34	-375.71	192.57

Updated Dec 31, 2025. Data Source: Fiscal.ai. Insurance template. Financial Sources.

SEC Filings: 10-K · 10-Q