Universal Insurance Holdings, Inc. (UVE)
NYSE: UVE · Real-Time Price · USD
48.16
+1.69 (3.64%)
At close: Nov 10, 2026, 4:00 PM EST
48.16
0.00 (0.00%)
Pre-market: Nov 11, 2026, 4:33 AM EST
UVE Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 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 |
Net Income | 232.58 | 182.95 | 58.93 | 66.82 | -22.26 | 20.41 |
Depreciation & Amortization | 6.4 | 6.44 | 6.12 | 7.31 | 7.3 | 6.91 |
Other Amortization | 0.71 | 0.71 | 0.71 | 0.71 | 0.7 | 0.06 |
Gain (Loss) on Sale of Assets | 0.13 | 0.13 | 0.1 | 0.64 | -0.02 | 0.15 |
Gain (Loss) on Sale of Investments | -4.28 | -4.28 | -4.42 | -4.61 | 21.35 | 8.17 |
Stock-Based Compensation | 8.65 | 8.65 | 8.12 | 2.92 | 4.73 | 5.82 |
Change in Accounts Receivable | 0.08 | 0.08 | -1.43 | -7.99 | -5.36 | 1.5 |
Reinsurance Recoverable | 394.7 | 394.7 | -408.52 | 589.75 | -623.26 | -25.17 |
Change in Unearned Revenue | 47.12 | 47.12 | 67.46 | 40.4 | 87.36 | 78.77 |
Change in Income Taxes | 23.1 | 23.1 | -0.53 | 7.43 | 15.2 | 12.97 |
Change in Insurance Reserves / Liabilities | -278.58 | -278.58 | 449.17 | -528.67 | 692.57 | 23.75 |
Change in Other Net Operating Assets | -34.02 | -34.02 | -40.23 | 75.75 | -16.85 | -43.3 |
Other Operating Activities | -63.49 | 2.57 | -17.17 | 19.01 | -38.89 | -36.91 |
Operating Cash Flow | 365.01 | 381.49 | 137.36 | 70.97 | 324.52 | 234.38 |
Operating Cash Flow Growth | 43.66% | 177.74% | 93.54% | -78.13% | 38.46% | 698.62% |
Investing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 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 |
Capital Expenditures | -4.64 | -4.44 | -7.37 | -4.02 | -4.9 | -7.23 |
Sale of Property, Plant & Equipment | 0.33 | 0.04 | 0.11 | 0.04 | 0.1 | 9.46 |
Investment in Securities | -138.7 | -109.21 | -218.07 | -11.27 | -144.05 | -234.22 |
Investing Cash Flow | -143.01 | -113.61 | -228.09 | -15.25 | -148.86 | -229.4 |
Financing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 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 |
Long-Term Debt Issued | - | - | - | - | - | 100 |
Total Debt Repaid | -101.47 | -1.47 | -1.47 | -1.47 | -1.47 | -1.47 |
Net Debt Issued (Repaid) | -1.47 | -1.47 | -1.47 | -1.47 | -1.47 | 98.53 |
Repurchases of Common Stock | -31.67 | -28.48 | -23.33 | -22.36 | -12.06 | -2.67 |
Common Dividends Paid | -22.16 | -22.17 | -22.32 | -23.28 | -23.77 | -24.19 |
Preferred Dividends Paid | -0.01 | -0.01 | -0.01 | -0.01 | -0.01 | -0.01 |
Total Dividends Paid | -22.17 | -22.18 | -22.33 | -23.29 | -23.78 | -24.2 |
Other Financing Activities | -2.83 | - | - | - | -0.14 | -3.37 |
Financing Cash Flow | -58.13 | -52.12 | -47.13 | -47.12 | -37.46 | 68.3 |
Net Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 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 |
Net Cash Flow | 163.87 | 215.76 | -137.87 | 8.6 | 138.2 | 73.27 |
Free Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 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 |
Free Cash Flow | 360.37 | 377.06 | 129.99 | 66.95 | 319.62 | 227.15 |
Free Cash Flow Growth | 44.25% | 190.06% | 94.15% | -79.05% | 40.71% | 1772.34% |
Free Cash Flow Margin | 21.61% | 23.51% | 8.55% | 4.81% | 26.14% | 20.25% |
Free Cash Flow Per Share | 12.43 | 13.02 | 4.44 | 2.22 | 10.39 | 7.26 |
Levered Free Cash Flow | 301.72 | -39.45 | 173.74 | 18.2 | 306.77 | 276.62 |
Unlevered Free Cash Flow | 305.55 | -36.15 | 177.08 | 21.58 | 310.2 | 276.96 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 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 Interest Paid | 5.71 | 5.71 | 5.77 | 5.82 | 5.8 | 0.13 |
Cash Income Tax Paid | 35.56 | 35.56 | 27.57 | 9.7 | -8.28 | -1.36 |
Change in Working Capital | 181.94 | 181.94 | 83.21 | -22.31 | 350.67 | 228.65 |