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Universal Insurance Holdings UVE Q4 2025 Annual earnings

Reported February 24, 2026 · After market close

Revenue$483.7MMiss by $1.3M
EPS$2.17Beat by $0.87
Revenue estimate$485.0M
EPS estimate$1.30

Next report

Oct 22, 2026 (in 3 months)
Revenue estimate$610.6M
EPS estimate$0.03

Financials

Q4 2025

Income statement

See full
Revenue$407.9M+6.0%
Net income$66.6M+1,006%
EPS (diluted)$2.28+986%

Balance sheet

See full
Cash & equivalents$477.8M+82.3%
Total debt$100.5M-0.8%
Total equity$551.0M+47.6%
Total assets$2.8B-0.1%

Cash flow

See full
Operating cash flow$26.1M—
CapEx$1.1M+20.9%
Free cash flow$25.0M—

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$948.05M+59.1%
Enterprise value$570.7M+31.2%
P/E5.2×-4.9×
P/S0.6×+0.2×

Profitability

See full
Net margin11.4%+7.5pp
FCF margin23.5%—

Returns & leverage

See full
Return on equity39.6%+23.1pp
Debt / equity0.2×-0.1×

Versus estimates

Revenue

Q2 2026$621.3MBeat by $6.7MQ1 2026$506.5MBeat by $25.5M
Q4 2025$483.7MMiss by $1.3M
Q3 2025$401.0MBeat by $28.0MQ2 2025$400.1MBeat by $36.1MQ1 2025$394.9MBeat by $39.9M

Diluted EPS

Q2 2026$1.84Beat by $0.41Q1 2026$2.00Beat by $0.61
Q4 2025$2.17Beat by $0.87
Q3 2025$1.36Beat by $0.26Q2 2025$1.23Beat by $0.14Q1 2025$1.44Beat by $0.32

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Questions, answered.

When did Universal Insurance Holdings report Q4 2025 earnings?
Universal Insurance Holdings (UVE) reported Q4 2025 earnings on February 24, 2026 after market close.
What were Universal Insurance Holdings's Q4 2025 revenue and EPS?
Universal Insurance Holdings reported revenue of $483.7M and eps of $2.17 for Q4 2025.
Did Universal Insurance Holdings beat estimates in Q4 2025?
Revenue missed the consensus estimate of $485.0M by $1.3M. EPS beat the consensus estimate of $1.30 by $0.87.
How did Universal Insurance Holdings's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 25.7% from $384.8M a year earlier and eps grew 768.0% from $0.25.
Where can I find Universal Insurance Holdings's Q4 2025 SEC filings?
You can read the 8-K earnings release (0000891166-26-000007) and the 10-K periodic report (0000891166-26-000010) directly on SEC EDGAR. The filing index links above go to sec.gov.