Universal Insurance Holdings, Inc.
UVE NYSE· Fire, Marine & Casualty Insurance
Last close · Oct 26, 2026
$47.87
KIRA · Stoqly’s AI analyst, in plain words
- Universal Insurance Holdings, Inc. had $1.6B of revenue in fiscal 2025, up 5.5% on the year before. Over five years, revenue changed +8.4% a year on average.
- Universal Insurance Holdings, Inc. made $183M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 9.5% a year.
- Free cash flow was $377M in fiscal 2025, 23.5% of revenue.
- Universal Insurance Holdings, Inc. returned $44.5M to shareholders in fiscal 2025, 12% of free cash flow. The diluted share count fell 1.1%.
- Universal Insurance Holdings, Inc. has $308M more cash than debt.
Market cap
$1.4B
P/E
6.3x
Revenue
$1.6B
Net income
$183M
Free cash flow
$377M
Operating margin
—
Universal Insurance Holdings, Inc. in 30 seconds · fiscal 2025
Are sales growing?
+5.5%
Yes. Sales grew 5.5% last year.
Does it make a profit?
11.4%
Yes. It keeps 11.4% of every sale as profit.
Does profit turn into cash?
23.5%
Yes. 23.5% of sales ends up as free cash.
How healthy are the accounts?
7 / 7
Solid. It passes 7 of 7 health tests.
How is the share priced?
6.3x
One share costs 6.3 times its yearly profit per share.
What Universal Insurance Holdings, Inc. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 27, 2026
- Legal name
- UNIVERSAL INSURANCE HOLDINGS, INC.
- CIK
- 0000891166
Universal Insurance Holdings, Inc. · UVE
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $1.1B | $1.2B | $1.4B | $1.5B | $1.6B |
| Revenue growth | 4.6% | 9.0% | 13.8% | 9.3% | 5.5% |
| Net income | $20.4M | −$22.3M | $66.8M | $58.9M | $183M |
| Net margin | 1.8% | −1.8% | 4.8% | 3.9% | 11.4% |
| Diluted EPS | $0.65 | −$0.72 | $2.22 | $2.01 | $6.32 |
| Cash | |||||
| Cash from operations | $234M | $325M | $71.0M | $137M | $381M |
| Capital expenditure | $7.2M | $4.9M | $4.0M | $7.4M | $4.4M |
| Free cash flow | $227M | $320M | $67.0M | $130M | $377M |
| FCF margin | 20.2% | 26.1% | 4.8% | 8.5% | 23.5% |
| Dividends paid | $24.2M | $23.8M | $23.3M | $22.3M | $22.2M |
| Share buybacks | $1.6M | $11.6M | $22.0M | $21.9M | $22.4M |
| Share count change | −2.1% | −1.8% | −2.0% | −2.9% | −1.1% |
| Debt and strength | |||||
| Cash and short-term investments | $251M | $389M | $397M | $259M | $409M |
| Debt incl. finance leases | $104M | $103M | $102M | $101M | $100M |
| Shareholders' equity | $430M | $288M | $341M | $373M | $551M |
| Returns and quality | |||||
| Return on equity | 4.6% | −6.2% | 21.2% | 16.5% | 39.6% |
| Return on tangible equity | 4.7% | −7.7% | 19.6% | 15.8% | 33.2% |
| Piotroski F-score | 4 | 4 | 6 | 5 | 7 |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$11.0M
6 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Operating margin:
- Operating income as a share of revenue.
- Net income:
- Profit after all expenses, interest and tax.
- Free cash flow:
- Cash from operations minus capital spending.
- Net debt / EBITDA:
- Years of EBITDA needed to pay off net debt. Below zero means more cash than debt.
- Return on capital:
- After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
Universal Insurance Holdings, Inc. · UVE
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Margins, % of revenue
Cash vs debt (incl. leases)
Free cash flow
Dividends and buybacks
KIRA
At $47.87 a share, the company is worth $1.4B: 6.3 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0000891166). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.