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Universal Insurance Holdings UVE Q3 2026 earnings

Reported October 22, 2026 · After market close

Revenue$444.3MMiss by $157.4M
EPS$1.93Beat by $0.36
Revenue estimate$601.7M
EPS estimate$1.57
“In the quarter, we delivered a very strong 32.7% annualized return on common equity, driven by solid underwriting and revenue performance. Our net loss ratio continues to improve and new business trends are solid, including 8% growth in policies in force.”
Stephen J. Donaghy

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

as of 10/30/26
See full
Market cap$1.32B+50.2%
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×

FAQ

When did Universal Insurance Holdings report Q3 2026 earnings?
Universal Insurance Holdings (UVE) reported Q3 2026 earnings on October 22, 2026 after market close.
What were Universal Insurance Holdings's Q3 2026 revenue and EPS?
Universal Insurance Holdings reported revenue of $444.3M and eps of $1.93 for Q3 2026.
Did Universal Insurance Holdings beat estimates in Q3 2026?
Revenue missed the consensus estimate of $601.7M by $157.4M. EPS beat the consensus estimate of $1.57 by $0.36.
How did Universal Insurance Holdings's Q3 2026 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 10.8% from $401.0M a year earlier and eps grew 41.9% from $1.36.
Where can I find Universal Insurance Holdings's Q3 2026 SEC filings?
You can read the 8-K earnings release (0000891166-26-000092) and the 10-Q periodic report (0000891166-26-000094) directly on SEC EDGAR. The filing index links above go to sec.gov.