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Universal Insurance Holdings UVE Change in unearned premiums

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Other financials

Income statement

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Revenue$393.6M-0.3%
Net income$54.3M+31.0%
EPS (diluted)$1.88+30.6%

Balance sheet

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Cash & equivalents$598.4M+49.3%
Total debt$100.3M-0.8%
Total equity$584.7M+38.4%
Total assets$2.8B+2.0%

Cash flow

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Operating cash flow$154.8M-17.1%
CapEx$1.6M+28.8%
Free cash flow$153.2M-17.4%

Valuation

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Market cap$1.14B+53.0%
Enterprise value$638.15M+44.1%
P/E5.8×-5.3×
P/S0.7×+0.2×

Profitability

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Net margin12.2%+7.9pp
FCF margin21.5%

Returns & leverage

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Return on equity38.9%+21.9pp
Debt / equity0.2×-0.1×

Where this comes from

Reported directly by Universal Insurance Holdings in its filing.

Tagged under the XBRL concept us-gaap:IncreaseDecreaseInUnearnedPremiums.

The official record: Universal Insurance Holdings’s 10-K, filed February 27, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Universal Insurance Holdings's change in unearned premiums?
Universal Insurance Holdings (UVE) reported change in unearned premiums of $7.88M in Q4 2025.
How has Universal Insurance Holdings's change in unearned premiums changed year-over-year?
Universal Insurance Holdings's change in unearned premiums decreased by 54.9% year-over-year, from $17.47M to $7.88M.
What is the long-term trend for Universal Insurance Holdings's change in unearned premiums?
Over 4 years (2021 to 2025), Universal Insurance Holdings's change in unearned premiums has grown at a -19.4% compound annual growth rate (CAGR), from $74.63M to $31.51M.
What does change in unearned premiums mean?
This represents the net change in the liability for premiums collected in advance that have not yet been earned through the passage of time. An increase indicates that the company has deferred more revenue to future periods, reflecting growth in policy sales or longer policy durations. It is a critical indicator of future revenue recognition and the company's current underwriting volume.