UNIVERSAL INSURANCE HOLDINGS, INC. (UVE)
Q1-CY2026Q4-CY2025Q3-CY2025Q2-CY2025Q1-CY2025Q4-CY2024Q3-CY2024Q2-CY2024Q1-CY2024Q4-CY2023Q3-CY2023Q2-CY2023Q1-CY2023Q4-CY2022Q3-CY2022Q2-CY2022Q1-CY2022Q4-CY2021Q3-CY2021Q2-CY2021Q1-CY2021Q4-CY2020Q3-CY2020Q2-CY2020Q1-CY2020Q4-CY2019Q3-CY2019Q2-CY2019Q1-CY2019Q4-CY2018Q3-CY2018Q2-CY2018Q1-CY2018Q4-CY2017Q3-CY2017Q2-CY2017Q1-CY2017Q4-CY2016Q3-CY2016Q2-CY2016Q1-CY2016Q4-CY2015Q3-CY2015Q2-CY2015Q1-CY2015Q4-CY2014Q3-CY2014Q2-CY2014Q1-CY2014
Balance Sheet Date2025-Dec-312025-Sep-302025-Jun-302025-Mar-312024-Dec-312024-Sep-302024-Jun-302024-Mar-312023-Dec-312023-Sep-302023-Jun-302023-Mar-312022-Dec-312022-Sep-302022-Jun-302022-Mar-312021-Dec-312021-Sep-302021-Jun-302021-Mar-312020-Dec-312020-Sep-302020-Jun-302020-Mar-312019-Dec-312019-Sep-302019-Jun-302019-Mar-312018-Dec-312018-Sep-302018-Jun-302018-Mar-312017-Dec-312017-Sep-302017-Jun-302017-Mar-312016-Dec-312016-Sep-302016-Jun-302016-Mar-312015-Dec-312015-Sep-302015-Jun-302015-Mar-312014-Dec-312014-Sep-302014-Jun-302014-Mar-31
Fiscal PeriodQ4-FY2025Q3-FY2025Q2-FY2025Q1-FY2025Q4-FY2024Q3-FY2024Q2-FY2024Q1-FY2024Q4-FY2023Q3-FY2023Q2-FY2023Q1-FY2023Q4-FY2022Q3-FY2022Q2-FY2022Q1-FY2022Q4-FY2021Q3-FY2021Q2-FY2021Q1-FY2021Q4-FY2020Q3-FY2020Q2-FY2020Q1-FY2020Q4-FY2019Q3-FY2019Q2-FY2019Q1-FY2019Q4-FY2018Q3-FY2018Q2-FY2018Q1-FY2018Q4-FY2017Q3-FY2017Q2-FY2017Q1-FY2017Q4-FY2016Q3-FY2016Q2-FY2016Q1-FY2016Q4-FY2015Q3-FY2015Q2-FY2015Q1-FY2015Q4-FY2014Q3-FY2014Q2-FY2014Q1-FY2014
Total Revenue407,926,000$400,981,000$400,141,000$394,867,000$384,809,000$387,554,000$380,214,000$367,959,000$375,456,000$360,048,000$339,570,000$316,508,000$330,360,000$312,810,000$292,006,000$287,482,000$292,659,000$287,254,000$279,181,000$262,757,000$273,126,000$311,665,000$252,704,000$235,275,000$239,402,000$229,641,000$233,722,000$236,586,000$216,373,000$206,155,000$209,788,000$191,500,000$201,312,000$190,243,000$185,487,000$174,874,000$178,605,000$172,436,000$169,802,000$164,446,000$162,100,000$157,043,000$123,591,000$103,810,000$104,482,000$103,500,000$86,989,000$74,305,000$
QoQ%1.73%.21%1.34%2.61%(.71%)1.93%3.33%(2.00%)4.28%6.03%7.29%(4.19%)5.61%7.13%1.57%(1.77%)1.88%2.89%6.25%(3.80%)(12.37%)23.33%7.41%(1.72%)4.25%(1.75%)(1.21%)9.34%4.96%(1.73%)9.55%(4.87%)5.82%2.56%6.07%(2.09%)3.58%1.55%3.26%1.45%3.22%27.07%19.06%(.64%).95%18.98%17.07%(4.22%)
YoY%6.01%3.47%5.24%7.31%2.49%7.64%11.97%16.26%13.65%15.10%16.29%10.10%12.88%8.90%4.59%9.41%7.15%(7.83%)10.48%11.68%14.09%35.72%8.12%(.55%)10.64%11.39%11.41%23.54%7.48%8.36%13.10%9.51%12.71%10.33%9.24%6.34%10.18%9.80%37.39%58.41%55.15%51.73%42.08%39.71%34.68%32.07%11.87%10.16%
Cost Of Revenue286,451,000$314,960,000$321,235,000$310,011,000$346,636,000$375,066,000$299,604,000$294,392,000$329,317,000$340,899,000$275,466,000$257,909,000$276,836,000$385,118,000$254,175,000$239,505,000$336,930,000$244,627,000$223,663,000$198,106,000$287,807,000$289,436,000$199,637,000$181,084,000$290,424,000$177,064,000$156,744,000$156,016,000$206,753,000$128,449,000$129,523,000$112,917,000$120,370,000$151,031,000$113,015,000$102,714,000$134,667,000$105,665,000$90,876,000$95,713,000$89,394,000$83,878,000$58,378,000$43,961,000$45,225,000$44,769,000$35,049,000$31,733,000$
Gross Profit121,475,000$86,021,000$78,906,000$84,856,000$38,173,000$12,488,000$80,610,000$73,567,000$46,139,000$19,149,000$64,104,000$58,599,000$53,524,000$(72,308,000$)37,831,000$47,977,000$(44,271,000$)42,627,000$55,518,000$64,651,000$(14,681,000$)22,229,000$53,067,000$54,191,000$(51,022,000$)52,577,000$76,978,000$80,570,000$9,620,000$77,706,000$80,265,000$78,583,000$80,942,000$39,212,000$72,472,000$72,160,000$43,938,000$66,771,000$78,926,000$68,733,000$72,706,000$73,165,000$65,213,000$59,849,000$59,257,000$58,731,000$51,940,000$42,572,000$
Gross Margin29.78%21.45%19.72%21.49%9.92%3.22%21.20%19.99%12.29%5.32%18.88%18.51%16.20%(23.12%)12.96%16.69%(15.13%)14.84%19.89%24.61%(5.38%)7.13%21.00%23.03%(21.31%)22.90%32.94%34.06%4.45%37.69%38.26%41.04%40.21%20.61%39.07%41.26%24.60%38.72%46.48%41.80%44.85%46.59%52.77%57.65%56.72%56.75%59.71%57.29%
Operating Expenses30,938,000$30,728,000$29,964,000$87,244,000$115,056,000$115,541,000$117,613,000$78,666,000$73,142,000$78,322,000$76,675,000$75,927,000$73,336,000$73,973,000$79,291,000$78,297,000$76,126,000$73,180,000$81,866,000$82,423,000$66,090,000$76,980,000$73,921,000$72,643,000$64,010,000$69,174,000$69,496,000$69,748,000$64,874,000$69,041,000$58,698,000$63,875,000$59,422,000$57,269,000$57,380,000$56,933,000$54,397,000$54,725,000$54,825,000$57,230,000$54,279,000$55,737,000$43,081,000$32,586,000$33,315,000$32,461,000$29,172,000$24,643,000$
Operating Income
Operating Margin
Interest Income
Interest Expenses1,619,000$1,623,000$1,622,000$1,635,000$1,631,000$1,629,000$1,636,000$1,640,000$1,630,000$1,731,000$1,608,000$554,000$29,000$35,000$20,000$
Income Before Tax88,450,000$52,777,000$46,386,000$55,456,000$7,345,000$(18,123,000$)47,905,000$47,484,000$25,896,000$(7,877,000$)37,539,000$32,791,000$32,839,000$(93,237,000$)10,680,000$22,471,000$(64,461,000$)26,464,000$30,059,000$36,351,000$(26,999,000$)(3,792,000$)27,438,000$27,584,000$(69,053,000$)27,896,000$50,930,000$53,744,000$(11,241,000$)51,167,000$61,248,000$51,699,000$58,591,000$16,599,000$47,923,000$47,371,000$22,727,000$44,163,000$54,894,000$41,099,000$47,880,000$47,900,000$41,220,000$38,023,000$36,926,000$37,152,000$30,409,000$23,117,000$
Tax Expenses21,861,000$12,947,000$11,293,000$14,017,000$1,327,000$(1,960,000$)12,489,000$13,827,000$5,897,000$(1,962,000$)8,973,000$8,618,000$7,728,000$(20,962,000$)3,310,000$4,934,000$(16,336,000$)6,281,000$8,118,000$9,943,000$(9,324,000$)(623,000$)7,556,000$7,517,000$(17,980,000$)7,750,000$13,637,000$13,596,000$(4,773,000$)13,787,000$15,164,000$11,644,000$22,195,000$6,635,000$18,547,000$16,172,000$9,073,000$17,281,000$21,247,000$15,873,000$18,728,000$17,602,000$16,516,000$15,693,000$15,954,000$15,811,000$13,283,000$9,568,000$
Net Income66,589,000$39,830,000$35,093,000$41,439,000$6,018,000$(16,163,000$)35,416,000$33,657,000$19,999,000$(5,915,000$)28,566,000$24,173,000$25,111,000$(72,275,000$)7,370,000$17,537,000$(48,125,000$)20,183,000$21,941,000$26,408,000$(17,675,000$)(3,169,000$)19,882,000$20,067,000$(51,073,000$)20,146,000$37,293,000$40,148,000$(6,468,000$)37,380,000$46,084,000$40,055,000$36,396,000$9,964,000$29,376,000$31,199,000$13,655,000$26,882,000$33,647,000$25,226,000$29,152,000$30,298,000$24,704,000$22,330,000$20,972,000$21,341,000$17,126,000$13,549,000$
Profit Margin16.32%9.93%8.77%10.49%1.56%(4.17%)9.32%9.15%5.33%(1.64%)8.41%7.64%7.60%(23.11%)2.52%6.10%(16.44%)7.03%7.86%10.05%(6.47%)(1.02%)7.87%8.53%(21.33%)8.77%15.96%16.97%(2.99%)18.13%21.97%20.92%18.08%5.24%15.84%17.84%7.65%15.59%19.82%15.34%17.98%19.29%19.99%21.51%20.07%20.62%19.69%18.23%
TTM11.41%7.74%4.24%4.31%3.88%4.83%5.61%5.29%4.80%5.34%.43%(1.25%)(1.82%)(8.06%)(.26%)1.01%1.82%4.61%2.44%2.31%1.78%(1.38%).94%2.82%4.95%9.94%12.14%13.48%14.21%19.77%16.71%15.07%14.22%11.55%14.21%15.15%14.51%17.18%18.11%18.01%19.48%20.11%20.52%20.51%19.77%19.74%19.12%19.66%
Earnings to Minority2,000$3,000$2,000$3,000$2,000$3,000$2,000$3,000$2,000$3,000$2,000$3,000$2,000$3,000$2,000$3,000$2,000$3,000$2,000$3,000$2,000$3,000$2,000$3,000$2,000$3,000$2,000$3,000$2,000$3,000$2,000$3,000$2,000$3,000$2,000$3,000$3,000$3,000$3,000$3,000$2,000$3,000$3,000$2,000$2,000$3,000$3,000$5,000$
Earnings to Common Shareholders66,587,000$39,827,000$35,091,000$41,436,000$6,016,000$(16,166,000$)35,414,000$33,654,000$19,997,000$(5,918,000$)28,564,000$24,170,000$25,109,000$(72,278,000$)7,368,000$17,534,000$(48,127,000$)20,180,000$21,939,000$26,405,000$(17,677,000$)(3,172,000$)19,880,000$20,064,000$(51,075,000$)20,143,000$37,291,000$40,145,000$(6,470,000$)37,377,000$46,082,000$40,052,000$36,394,000$9,961,000$29,374,000$31,196,000$13,652,000$26,879,000$33,644,000$25,223,000$29,150,000$30,295,000$24,701,000$22,328,000$20,970,000$21,338,000$17,123,000$13,544,000$
QoQ%67.19%13.50%(15.31%)588.76%137.21%(145.65%)5.23%68.30%437.90%(120.72%)18.18%(3.74%)134.74%(1,080.97%)(57.98%)136.43%(338.49%)(8.02%)(16.91%)249.38%(457.28%)(115.96%)(.92%)139.28%(353.56%)(45.98%)(7.11%)720.48%(117.31%)(18.89%)15.06%10.05%265.37%(66.09%)(5.84%)128.51%(49.21%)(20.11%)33.39%(13.47%)(3.78%)22.65%10.63%6.48%(1.73%)24.62%26.43%(13.05%)
YoY%1,006.83%346.36%(.91%)23.12%(69.92%)(173.17%)23.98%39.24%(20.36%)91.81%287.68%37.85%152.17%(458.17%)(66.42%)(33.60%)(172.26%)736.19%10.36%31.60%65.39%(115.75%)(46.69%)(50.02%)(689.41%)(46.11%)(19.08%).23%(117.78%)275.23%56.88%28.39%166.58%(62.94%)(12.69%)23.68%(53.17%)(11.28%)36.21%12.97%39.01%41.98%44.26%64.86%34.62%48.25%.58%13.30%
Earnings Per Share, Basic2.41$1.43$1.25$1.48$0.21$(0.57$)1.24$1.17$0.69$(0.20$)0.94$0.80$0.83$(2.36$)0.24$0.56$(1.54$)0.65$0.70$0.85$(0.57$)(0.10$)0.62$0.62$(1.55$)0.60$1.09$1.16$(0.19$)1.07$1.32$1.15$1.05$0.29$0.84$0.89$0.39$0.77$0.96$0.73$0.84$0.87$0.71$0.65$0.63$0.64$0.50$0.41$
Earnings Per Share, Diluted2.28$1.38$1.21$1.44$0.20$(0.57$)1.21$1.14$0.67$(0.20$)0.93$0.79$0.83$(2.36$)0.24$0.56$(1.54$)0.64$0.70$0.84$(0.56$)(0.10$)0.62$0.61$(1.54$)0.59$1.08$1.14$(0.18$)1.04$1.29$1.12$1.03$0.28$0.82$0.86$0.38$0.75$0.94$0.71$0.82$0.84$0.69$0.62$0.60$0.61$0.49$0.38$
Unlevered FCF Per Share, Basic0.90$2.20$3.76$6.61$(3.63$)2.86$2.50$2.76$(0.03$)2.30$1.67$(1.68$)3.31$(0.09$)8.14$(0.94$)(1.35$)0.48$6.21$1.92$(4.71$)(0.68$)4.35$1.26$0.80$0.67$0.72$0.15$1.84$(1.22$)4.16$2.00$0.87$
Unlevered FCF Per Share, Diluted0.86$2.13$3.62$6.45$(3.40$)2.86$2.44$2.71$(0.03$)2.30$1.65$(1.66$)3.33$(0.09$)8.12$(0.94$)(1.34$)0.48$6.20$1.92$(4.69$)(0.68$)4.34$1.25$0.80$0.66$0.71$0.14$1.79$(1.19$)4.05$1.93$0.82$
Average Shares, Basic27,646,00027,851,00027,972,00028,091,00028,168,00028,355,00028,600,00028,869,00029,052,00029,617,00030,265,00030,382,00030,424,00030,604,00030,829,00031,147,00031,177,00031,247,00031,240,00031,208,00031,184,00031,659,00032,102,00032,591,00032,871,00033,649,00034,311,00034,741,00034,815,00034,861,00034,909,00034,839,00034,579,00034,686,00034,959,00035,140,00035,045,00035,042,00035,062,00034,527,00034,688,00034,911,00035,019,00034,578,00033,454,00033,432,00033,968,00033,422,000
Average Shares, Diluted29,165,00028,808,00029,072,00028,779,00030,029,00028,355,00029,308,00029,404,00029,686,00029,617,00030,659,00030,626,00030,290,00030,604,00030,883,00031,227,00031,304,00031,337,00031,310,00031,277,00031,328,00031,659,00032,170,00032,731,00033,184,00033,930,00034,612,00035,206,00035,976,00035,919,00035,589,00035,660,00035,483,00035,615,00035,958,00036,180,00035,634,00035,723,00035,649,00035,594,00035,454,00035,999,00036,002,00036,081,00034,973,00034,812,00035,174,00035,641,000
EBIT88,450,000$52,777,000$46,386,000$55,456,000$7,345,000$(16,504,000$)49,528,000$49,106,000$27,531,000$(6,246,000$)39,168,000$34,427,000$34,479,000$(91,607,000$)12,411,000$24,079,000$(63,907,000$)26,493,000$30,094,000$36,371,000$(26,999,000$)(3,792,000$)27,438,000$27,584,000$(69,053,000$)27,896,000$50,930,000$53,744,000$(11,241,000$)51,167,000$61,248,000$51,699,000$58,591,000$16,599,000$47,923,000$47,371,000$22,727,000$44,163,000$54,894,000$41,099,000$47,880,000$47,900,000$41,220,000$38,023,000$36,926,000$37,152,000$30,409,000$23,117,000$
EBITDA88,450,000$52,777,000$46,386,000$55,456,000$7,345,000$(16,504,000$)49,528,000$49,106,000$27,531,000$(6,246,000$)39,168,000$34,427,000$34,479,000$(91,607,000$)12,411,000$24,079,000$(63,907,000$)26,493,000$30,094,000$36,371,000$(26,999,000$)(3,792,000$)27,438,000$27,584,000$(69,053,000$)27,896,000$50,930,000$53,744,000$(11,241,000$)51,167,000$61,248,000$51,699,000$58,591,000$16,599,000$47,923,000$47,371,000$22,727,000$44,163,000$54,894,000$41,099,000$48,529,000$48,348,000$41,634,000$38,412,000$37,275,000$37,446,000$30,680,000$23,397,000$