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Stocks · Financials · Fire, Marine & Casualty Insurance

UNIVERSAL INSURANCE HOLDINGS, INC.

UVE Clue Score68
United States Fiscal year ends December CIK 0000891166
$45.85 -2.38% Close, 9 Oct 2026
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Price $45.85 +236.14% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2016Revenue685.3Net income99.4EPS, diluted2.79Fiscal year 2017Revenue751.9 +9.7%Net income106.9 +7.6%EPS, diluted2.99 +7.2%Fiscal year 2018Revenue823.8 +9.6%Net income117.1 +9.5%EPS, diluted3.27 +9.4%Fiscal year 2019Revenue939.4 +14.0%Net income46.5 −60.3%EPS, diluted1.36 −58.4%Fiscal year 2020Revenue1,072.8 +14.2%Net income19.1 −58.9%EPS, diluted0.60 −55.9%Fiscal year 2021Revenue1,121.9 +4.6%Net income20.4 +6.8%EPS, diluted0.65 +8.3%Fiscal year 2022Revenue1,222.7 +9.0%Net income−22.3 −209.1%EPS, diluted−0.72 −210.8%Fiscal year 2023Revenue1,391.6 +13.8%Net income66.8EPS, diluted2.22Fiscal year 2024Revenue1,520.5 +9.3%Net income58.9 −11.8%EPS, diluted2.01 −9.5%Fiscal year 2025Revenue1,603.9 +5.5%Net income183.0 +210.5%EPS, diluted6.32 +214.4%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue 685.3 751.9 823.8 939.4 1,072.8 1,121.9 1,222.7 1,391.6 1,520.5 1,603.9
Growth +9.7% +9.6% +14.0% +14.2% +4.6% +9.0% +13.8% +9.3% +5.5%
Net income 99.4 106.9 117.1 46.5 19.1 20.4 −22.3 66.8 58.9 183.0
Growth +7.6% +9.5% −60.3% −58.9% +6.8% −209.1% −11.8% +210.5%
EPS, diluted 2.79 2.99 3.27 1.36 0.60 0.65 −0.72 2.22 2.01 6.32
Growth +7.2% +9.4% −58.4% −55.9% +8.3% −210.8% −9.5% +214.4%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2016Net margin14.5%Free cash flow margin16.5%Fiscal year 2017Net margin14.2%Free cash flow margin32.0%Fiscal year 2018Net margin14.2%Free cash flow margin27.1%Fiscal year 2019Net margin5.0%Free cash flow margin7.8%Fiscal year 2020Net margin1.8%Free cash flow margin1.1%Fiscal year 2021Net margin1.8%Free cash flow margin20.2%Fiscal year 2022Net margin−1.8%Free cash flow margin26.1%Fiscal year 2023Net margin4.8%Free cash flow margin4.8%Fiscal year 2024Net margin3.9%Free cash flow margin8.5%Fiscal year 2025Net margin11.4%Free cash flow margin23.5%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net margin 14.5% 14.2% 14.2% 5.0% 1.8% 1.8% −1.8% 4.8% 3.9% 11.4%
Free cash flow margin 16.5% 32.0% 27.1% 7.8% 1.1% 20.2% 26.1% 4.8% 8.5% 23.5%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow121.4Capital expenditure−8.2Free cash flow113.2Buybacks−8.5Dividends paid−24.2Fiscal year 2017Operating cash flow245.0Capital expenditure−4.6Free cash flow240.4 +112.4%Buybacks−18.1Dividends paid−24.0Fiscal year 2018Operating cash flow230.1Capital expenditure−6.7Free cash flow223.4 −7.1%Buybacks−25.3Dividends paid−25.5Fiscal year 2019Operating cash flow84.6Capital expenditure−11.3Free cash flow73.3 −67.2%Buybacks−66.2Dividends paid−26.1Fiscal year 2020Operating cash flow29.3Capital expenditure−17.2Free cash flow12.1 −83.4%Buybacks−28.9Dividends paid−24.5Fiscal year 2021Operating cash flow234.4Capital expenditure−7.2Free cash flow227.2 +1,772.3%Buybacks−1.6Dividends paid−24.2Fiscal year 2022Operating cash flow324.5Capital expenditure−4.9Free cash flow319.6 +40.7%Buybacks−11.6Dividends paid−23.8Fiscal year 2023Operating cash flow71.0Capital expenditure−4.0Free cash flow67.0 −79.1%Buybacks−22.0Dividends paid−23.3Fiscal year 2024Operating cash flow137.4Capital expenditure−7.4Free cash flow130.0 +94.2%Buybacks−21.9Dividends paid−22.3Fiscal year 2025Operating cash flow381.5Capital expenditure−4.4Free cash flow377.1 +190.1%Buybacks−22.4Dividends paid−22.2
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 121.4 245.0 230.1 84.6 29.3 234.4 324.5 71.0 137.4 381.5
Capital expenditure −8.2 −4.6 −6.7 −11.3 −17.2 −7.2 −4.9 −4.0 −7.4 −4.4
Free cash flow 113.2 240.4 223.4 73.3 12.1 227.2 319.6 67.0 130.0 377.1
Growth +112.4% −7.1% −67.2% −83.4% +1,772.3% +40.7% −79.1% +94.2% +190.1%
Buybacks −8.5 −18.1 −25.3 −66.2 −28.9 −1.6 −11.6 −22.0 −21.9 −22.4
Dividends paid −24.2 −24.0 −25.5 −26.1 −24.5 −24.2 −23.8 −23.3 −22.3 −22.2

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Cash105.7Total debt15.0Net cash (debt)90.7Shareholders’ equity371.2Debt to equity0.04Fiscal year 2017Cash213.5Total debt12.9Net cash (debt)200.6Shareholders’ equity440.0Debt to equity0.03Fiscal year 2018Cash166.4Total debt11.4Net cash (debt)155.0Shareholders’ equity501.6Debt to equity0.02Fiscal year 2019Cash182.1Shareholders’ equity493.9Fiscal year 2020Cash167.2Total debt8.5Net cash (debt)158.7Shareholders’ equity449.3Debt to equity0.02Fiscal year 2021Cash250.5Total debt103.7Net cash (debt)146.8Shareholders’ equity429.7Debt to equity0.24Fiscal year 2022Cash388.7Total debt102.8Net cash (debt)285.9Shareholders’ equity287.9Debt to equity0.36Fiscal year 2023Cash397.3Total debt102.0Net cash (debt)295.3Shareholders’ equity341.3Debt to equity0.30Fiscal year 2024Cash259.4Total debt101.2Net cash (debt)158.2Shareholders’ equity373.3Debt to equity0.27Fiscal year 2025Cash408.9Total debt100.5Net cash (debt)308.4Shareholders’ equity551.0Debt to equity0.18
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 105.7 213.5 166.4 182.1 167.2 250.5 388.7 397.3 259.4 408.9
Total debt 15.0 12.9 11.4 n/a 8.5 103.7 102.8 102.0 101.2 100.5
Net cash (debt) 90.7 200.6 155.0 n/a 158.7 146.8 285.9 295.3 158.2 308.4
Shareholders’ equity 371.2 440.0 501.6 493.9 449.3 429.7 287.9 341.3 373.3 551.0
Debt to equity 0.04 0.03 0.02 n/a 0.02 0.24 0.36 0.30 0.27 0.18

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Margins
23.8% 22.7% 18.6% 6.8% 2.3% 2.5% −2.2% 6.3% 5.6% 15.2%
14.5% 14.2% 14.2% 5.0% 1.8% 1.8% −1.8% 4.8% 3.9% 11.4%
16.5% 32.0% 27.1% 7.8% 1.1% 20.2% 26.1% 4.8% 8.5% 23.5%
Spending
32.3% 30.7% 31.1% 29.0% 27.0% 28.0% 24.9% 21.9% 22.5% n/a
1.2% 0.6% 0.8% 1.2% 1.6% 0.6% 0.4% 0.3% 0.5% 0.3%
39.0% 37.3% 23.4% 26.8% 21.2% 28.2% n/a 24.4% 30.4% 24.7%
Returns
26.8% 24.3% 23.3% 9.4% 4.3% 4.7% −7.7% 19.6% 15.8% 33.2%
9.4% 7.3% 6.3% 2.7% 1.1% 1.0% −0.8% 2.9% 2.1% 6.4%
Balance and payout
0.04 0.03 0.02 n/a 0.02 0.24 0.36 0.30 0.27 0.18
65.0% 69.8% 73.0% 71.3% 74.5% 79.1% 90.0% 85.3% 86.9% 80.6%
24.3% 22.4% 21.8% 56.1% 128.5% 118.5% n/a 34.8% 37.9% 12.1%
28.9% 17.5% 22.7% 125.9% 440.7% 11.4% 11.1% 67.7% 34.0% 11.8%