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Universal Insurance Holdings Inc (UVE) Financial History

20 years of revenue, earnings, cash-flow and balance-sheet history from public filings.

FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · DATA UPDATED 2026-09-17

Universal Insurance Holdings Inc (UVE) operates in the INSURANCE - PROPERTY & CASUALTY industry and is headquartered in Fort Lauderdale, United States with about 929 employees. Its market capitalization is roughly $1 billion. In the fiscal year ended 2025-12-31, UVE reported $1.6B in revenue and $183M in net income.

Universal Insurance Holdings, Inc., together with its subsidiaries, operates as an integrated insurance holding company in the United States.

Interactive charts & full statements → Open the UVE valuation workbench →

UVE Revenue & Earnings History — Annual Income Statement

Income statement	TTM → 2026-06-30	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31	2019-12-31	2018-12-31	2017-12-31	2016-12-31	2015-12-31	2014-12-31	2013-12-31	2012-12-31	2011-12-31	2010-12-31	2009-12-31	2008-12-31	2007-12-31	2006-12-31
Total Revenue	$1.6B	$1.6B	$1.5B	$1.4B	$1.2B	$1.1B	$1.1B	$939M	$824M	$752M	$685M	$547M	$369M	$301M	$270M	$226M	$240M	$211M	$183M	$189M	$65M
Gross Profit	$612M	$610M	$200M	$191M	$70M	$116M	$115M	$158M	$252M	$263M	$258M	$271M	$246M	$193M	$144M	$102M	$127M	$105M	$101M	$129M	$40M
Gross Margin %	37.7%	38.2%	13.1%	13.7%	5.7%	10.4%	10.7%	16.9%	30.6%	34.9%	37.7%	49.5%	66.6%	63.9%	53.2%	45.0%	52.8%	49.6%	55.5%	68.3%	61.7%
Operating Income (EBIT)	$293M	$243M	$85M	$88M	($27M)	$28M	$24M	$64M	$153M	$170M	$163M	$175M	$128M	$101M	$53M	$34M	$62M	$46M	$66M	$90M	$27M
Operating Margin %	18.0%	15.2%	5.6%	6.3%	-2.2%	2.5%	2.3%	6.8%	18.6%	22.7%	23.8%	32.0%	34.6%	33.4%	19.5%	14.9%	26.0%	21.9%	36.1%	47.5%	41.0%
Net Income	$220M	$183M	$59M	$67M	($22M)	$20M	$19M	$47M	$117M	$107M	$99M	$106M	$73M	$59M	$30M	$20M	$37M	$29M	$40M	$54M	$17M
Net Margin %	13.6%	11.5%	3.9%	4.8%	-1.8%	1.8%	1.8%	5.0%	14.2%	14.2%	14.5%	19.5%	19.8%	19.6%	11.2%	8.9%	15.4%	13.7%	21.9%	28.6%	26.4%
EBITDA	$306M	$257M	$96M	$101M	($14M)	$36M	$29M	$68M	$158M	$175M	$166M	$177M	$129M	$102M	$53M	$34M	$63M	$47M	$66M	$90M	$27M
Earnings Per Share (EPS)	$7.63	$6.35	$2.01	$2.22	$-0.72	$0.65	$0.60	$1.36	$3.27	$2.99	$2.79	$2.97	$2.08	$1.56	$0.75	$0.50	$0.91	$0.71	$0.99	$1.31	$0.44
Shares Outstanding (M)	29M	29M	29M	30M	31M	31M	32M	34M	36M	36M	36M	36M	35M	38M	41M	40M	41M	40M	40M	41M	39M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

UVE Quarterly Revenue & Earnings — Last 8 Quarters

Quarterly income statement	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30
Total Revenue	$425M	$392M	$406M	$401M	$400M	$395M	$385M	$388M
Gross Profit	$180M	$163M	$183M	$85M	$78M	$84M	$35M	$12M
Gross Margin %	42.4%	41.7%	45.1%	21.2%	19.5%	21.2%	9.0%	3.1%
Operating Income (EBIT)	$80M	$72M	$88M	$53M	$46M	$55M	$7M	($18M)
Operating Margin %	18.7%	18.3%	21.8%	13.2%	11.6%	14.0%	1.9%	-4.7%
Net Income	$59M	$54M	$67M	$40M	$35M	$41M	$6M	($16M)
Net Margin %	13.9%	13.9%	16.4%	9.9%	8.8%	10.5%	1.6%	-4.2%
EBITDA	$82M	$73M	$97M	$54M	$48M	$57M	$9M	($17M)
Earnings Per Share (EPS)	$2.05	$1.88	$2.31	$1.38	$1.22	$1.44	$0.21	$-0.57
Shares Outstanding (M)	29M	29M	29M	29M	29M	29M	29M	28M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

UVE Free Cash Flow History

Cash flow	TTM → 2026-06-30	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31	2019-12-31	2018-12-31	2017-12-31	2016-12-31	2015-12-31	2014-12-31	2013-12-31	2012-12-31	2011-12-31	2010-12-31	2009-12-31	2008-12-31	2007-12-31	2006-12-31
Cash from Operations (CFO)	$344M	$381M	$137M	$71M	$325M	$234M	$29M	$85M	$230M	$245M	$121M	$219M	$123M	$157M	$142M	$110M	($9M)	$38M	$53M	$1M	$153M
Capital Expenditures (CapEx)	$5M	$4M	$7M	$4M	$5M	$7M	$17M	$11M	$7M	$5M	$8M	$12M	$9M	$1M	$3M	$2M	$2M	$1M	$1M	$0M	$0M
Free Cash Flow (FCF)	$340M	$377M	$130M	$67M	$320M	$227M	$12M	$73M	$223M	$240M	$113M	$207M	$114M	$156M	$139M	$108M	($11M)	$37M	$52M	$0M	$153M
FCF Margin %	20.9%	23.6%	8.6%	4.8%	26.1%	20.2%	1.1%	7.8%	27.1%	32.0%	16.5%	38.0%	30.9%	51.7%	51.6%	47.7%	-4.6%	17.6%	28.5%	0.1%	235.1%
Dividends Paid	$22M	$22M	$22M	$23M	$24M	$24M	$25M	$26M	$26M	$24M	$24M	$22M	$19M	$18M	$19M	$13M	$13M	$20M	$18M	$7M	$5M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

UVE Quarterly Free Cash Flow — Last 8 Quarters

Quarterly cash flow	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30
Cash from Operations (CFO)	$101M	$155M	$26M	$62M	$106M	$187M	($101M)	$83M
Capital Expenditures (CapEx)	$1M	$2M	$1M	$1M	$1M	$1M	$1M	$2M
Free Cash Flow (FCF)	$100M	$153M	$25M	$61M	$105M	$186M	($102M)	$81M
FCF Margin %	23.6%	39.1%	6.2%	15.3%	26.3%	47.0%	-26.6%	20.9%
Dividends Paid	$4M	$5M	$8M	$4M	$5M	$5M	$9M	$5M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

UVE Balance Sheet History

Balance sheet	2026-06-30	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31	2019-12-31	2018-12-31	2017-12-31	2016-12-31	2015-12-31	2014-12-31	2013-12-31	2012-12-31	2011-12-31	2010-12-31	2009-12-31	2008-12-31	2007-12-31	2006-12-31
Total Assets	$3.3B	$2.8B	$2.8B	$2.3B	$2.9B	$2.1B	$1.8B	$1.7B	$1.9B	$1.5B	$1.1B	$994M	$912M	$920M	$926M	$894M	$766M	$678M	$545M	$491M	$482M
Cash & Cash Equivalents	$532M	$409M	$259M	$397M	$389M	$251M	$167M	$182M	$166M	$213M	$106M	$197M	$115M	$117M	$347M	$230M	$148M	$193M	$257M	$215M	$233M
Total Liabilities	$2.7B	$2.3B	$2.5B	$2.0B	$2.6B	$1.6B	$1.3B	$1.2B	$1.4B	$1.0B	$689M	$700M	$693M	$744M	$762M	$744M	$626M	$565M	$443M	$418M	$460M
Total Debt (Short + Long-Term)	$98M	$202M	$103M	$117M	$103M	$130M	$68M	$100M	$114M	$50M	$30M	$48M	$37M	$52M	$46M	$47M	$45M	$44M	$25M	$25M	$25M
Total Shareholders' Equity	$637M	$551M	$373M	$341M	$288M	$430M	$449M	$494M	$502M	$440M	$371M	$293M	$219M	$176M	$164M	$150M	$140M	$113M	$102M	$73M	$22M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

Quarterly statements, profitability ratios, price history, insider activity and institutional holders are in the interactive UVE viewer.

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HRTG · Heritage Insurance Hldgs Inc — $1 billion
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