Universal Insurance Holdings, Inc. (UVE) Financial Statements
Industry: Fire, Marine & Casualty Insurance
In fiscal 2025, Universal Insurance reported revenue of $1.60B, up 5.5% from $1.52B the year before. Net income was $183.0M (a 11.4% net margin), or $6.32 per diluted share. Gross margin was 38.5% and operating margin was 38.1%. Operating activities generated $381.5M of cash, leaving $377.1M of free cash flow. At fiscal year end, Universal Insurance held $2.84B in total assets against $2.29B in total liabilities, including $408.9M of cash and equivalents.
Open the full interactive Universal Insurance financials → Quarterly statements, key ratios, valuation history and price charts.
Universal Insurance Key Stats
| Share Price | $47.08 |
|---|---|
| Market Cap | $1.37B |
| P/E Ratio | 7.4 |
| Revenue YoY Growth | +5.5% |
| 52-Week Range | $27.36 – $47.08 |
| Shares Outstanding | 27.6 million (basic, 2026 Q2) |
Universal Insurance Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Revenue | $1.07B | $1.12B | $1.22B | $1.39B | $1.52B | $1.60B |
| Cost of Goods Sold | $758.8M | $779.2M | $938.4M | $992.6M | $1.09B | $985.9M |
| Gross Profit | $314.0M | $342.6M | $284.3M | $398.9M | $433.2M | $618.0M |
| Operating Income | $19.5M | $21.8M | -$27.7M | $87.8M | $84.9M | $611.7M |
| Pre-Tax Income | $24.2M | $28.4M | -$27.2M | $88.3M | $84.6M | $243.1M |
| Income Tax | $5.1M | $8.0M | -$5.0M | $21.5M | $25.7M | $60.1M |
| Net Income | $19.1M | $20.4M | -$22.3M | $66.8M | $58.9M | $183.0M |
| Diluted EPS | $0.60 | $0.65 | -$0.72 | $2.22 | $2.01 | $6.32 |
Universal Insurance Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $401.0M | $407.9M | $393.6M | $427.0M |
| Net Income | $39.8M | $66.6M | $54.3M | $59.2M |
| Diluted EPS | $1.38 | $2.30 | $1.88 | $2.04 |
Universal Insurance Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $167.2M | $250.5M | $388.7M | $397.3M | $259.4M | $408.9M |
| Total Assets | $1.76B | $2.06B | $2.89B | $2.32B | $2.84B | $2.84B |
| Total Long-Term Debt | $8.5M | $103.7M | $102.8M | $102.0M | $101.2M | $100.5M |
| Total Liabilities | $1.31B | $1.63B | $2.60B | $1.98B | $2.47B | $2.29B |
| Shareholders' Equity | $449.3M | $429.7M | $287.9M | $341.3M | $373.2M | $551.0M |
Universal Insurance Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $29.3M | $234.4M | $324.5M | $71.0M | $137.4M | $381.5M |
| Cash From Investing | $22.0M | -$229.4M | -$148.9M | -$15.3M | -$228.1M | -$113.6M |
| Cash From Financing | -$56.3M | $68.3M | -$37.5M | -$47.1M | -$47.1M | -$52.1M |
| Free Cash Flow | $12.1M | $227.2M | $319.6M | $67.0M | $130.0M | $377.1M |
Figures from Universal Insurance's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Universal Insurance financials page for every line item.
Universal Insurance Company Profile
| Ticker | UVE |
|---|---|
| Exchange | NYSE |
| Industry | Fire, Marine & Casualty Insurance |
| Headquarters | Fort Lauderdale, Florida |
| Incorporated in | Delaware |
| Fiscal Year End | December 31 |
| SEC Filer Category | Large accelerated filer |
| SEC CIK | 0000891166 |
Frequently Asked Questions
What was Universal Insurance's revenue in fiscal 2025?
Universal Insurance (UVE) reported revenue of $1.60B for fiscal 2025.
What is Universal Insurance's annual revenue history?
Universal Insurance's annual revenue by fiscal year: 2020: $1.07B; 2021: $1.12B; 2022: $1.22B; 2023: $1.39B; 2024: $1.52B; 2025: $1.60B.
What was Universal Insurance's net income in fiscal 2025?
Universal Insurance reported net income of $183.0M for fiscal 2025.
What was Universal Insurance's earnings per share (EPS) in fiscal 2025?
Universal Insurance's diluted EPS was $6.32 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Universal Insurance generate in fiscal 2025?
Universal Insurance generated $377.1M of free cash flow in fiscal 2025.
What was Universal Insurance's revenue last quarter?
In its most recent reported quarter (2026 Q2), Universal Insurance reported revenue of $427.0M.
How much debt does Universal Insurance have?
Universal Insurance reported $100.5M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Universal Insurance are outstanding?
Universal Insurance reported a weighted average of 27.6 million basic shares outstanding in 2026 Q2.
What is Universal Insurance's market cap?
Based on its latest closing price, Universal Insurance (UVE) has a market capitalization of about $1.37B.
When does Universal Insurance's fiscal year end?
Universal Insurance's fiscal year end, as registered with the SEC, is December 31.
Where is Universal Insurance headquartered?
Universal Insurance lists its business address in Fort Lauderdale, Florida in its SEC filings.