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Universal Insurance Holdings UVE Provision for Credit Losses

Provision for Credit Losses at other companies

Employers Holdings logo
Employers HoldingsEIG
$1.4M+133%
Verisk Analytics, Inc. logo
Verisk Analytics, Inc.VRSK
$4.8M-9.4%

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+43.7%
Enterprise value$638.15M+25.3%
P/E5.8×-6.0×
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:ProvisionForDoubtfulAccounts.

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 provision for credit losses?
Universal Insurance Holdings (UVE) reported provision for credit losses of $873.5K in Q4 2025.
How has Universal Insurance Holdings's provision for credit losses changed year-over-year?
Universal Insurance Holdings's provision for credit losses increased by 537.6% year-over-year, from $137K to $873.5K.
What is the long-term trend for Universal Insurance Holdings's provision for credit losses?
Over 4 years (2021 to 2025), Universal Insurance Holdings's provision for credit losses has grown at a 65.7% compound annual growth rate (CAGR), from $463K to $3.49M.
What does provision for credit losses mean?
Non-cash provision for expected loan losses, added back in operating cash flow since it's a reserve build, not a cash payment.