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Universal Insurance Holdings

UVE

Universal Insurance Holdings, Inc. is a vertically integrated holding company that provides property and casualty insurance and related value-added services.

Market cap
$1.32B+44.1%
Revenue$1.7B+5.5%
Net income$232.6M+90.0%
Free cash flow$360.4M—
EPS (diluted)$8.00+88.7%
Trailing twelve months · change vs. prior year

Earnings

Next report

Date not yet announced

Financials

Q3 2026

Income statement

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Revenue$439.3M+9.6%
Net income$52.5M+31.8%
EPS (diluted)$1.80+30.4%

Balance sheet

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Cash & equivalents$569.5M+20.1%
Total debt$97.3M-3.3%
Total equity$646.0M+30.5%
Total assets$3.2B+3.0%

Cash flow

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Operating cash flow$83.0M+33.0%
CapEx$1.1M-6.7%
Free cash flow$82.0M+33.8%

Valuation & ratios

Valuation

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Market cap$1.32B+44.1%
Enterprise value$851.49M+67.8%
P/E5.7×-1.5×
P/S0.8×+0.2×

Profitability

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Net margin13.9%+6.2pp
FCF margin21.6%—

Returns & leverage

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Return on equity40.8%+13.4pp
Debt / equity0.2×-0.1×

Competitors

Profile

Universal Insurance Holdings, Inc. is a vertically integrated holding company that provides property and casualty insurance and related value-added services. The company develops, markets, and underwrites personal residential homeowners insurance while managing the entire insurance lifecycle, including risk management, claims processing, and distribution. Its core value proposition centers on providing protection solutions in catastrophe-exposed coastal markets through a combination of disciplined underwriting and non-risk bearing service income.

Competitive position

A leading provider of homeowners insurance in Florida with a significant multi-state footprint and a highly integrated service model.

GeographiesUnited States, Florida
Customer segmentsB2C, B2B
Business modelUnderwriting, Fee-for-service, Commission-based, Asset Management
SuppliersReinsurance Carriers, Capital Markets, Third-party Data Providers, Independent Insurance Agents
CustomersIndividual Homeowners, Condominium Owners, Renters, Third-party Insurance Carriers
Listed1992
Employees1.2K
CEOStephen J. Donaghy
FilingsSEC EDGAR

FAQ

What is Universal Insurance Holdings's market cap?
Universal Insurance Holdings (UVE) has a market capitalization of $1.3B and trades on NYSE.
What is Universal Insurance Holdings's revenue and profitability?
Universal Insurance Holdings generated $1.7B in trailing twelve-month revenue with net income of $232.6M, representing a net margin of 13.9%, with free cash flow of $360.4M. The latest reported period is Q3 2026.
Who are Universal Insurance Holdings's competitors?
Universal Insurance Holdings's key competitors include HERITAGE INSURANCE HOLDINGS INC, HCI Group, Inc., Slide Insurance Holdings, Inc. Common Stock, and others. These companies compete in similar markets and product categories.
Who does Universal Insurance Holdings partner with?
Universal Insurance Holdings's notable partners include Demotech, Inc., Kroll Bond Rating Agency, Florida Hurricane Catastrophe Fund.
What subsidiaries does Universal Insurance Holdings have?
Universal Insurance Holdings's subsidiaries include Universal Property & Casualty Insurance Company, American Platinum Property and Casualty Insurance Company, Evolution Risk Advisors, Inc., and others.
Where is Universal Insurance Holdings headquartered?
Universal Insurance Holdings is headquartered in United States of America and employs approximately 1,244 people. It has been publicly traded since 1992.