Universal Insurance Holdings, Inc. (UVE)
NYSE · Fire, Marine & Casualty Insurance · Finance, insurance and real estate · CIK 891166 · fiscal year ends in Dec
Closing price $47.57 on 29 Oct 2026; 52-week range $28.85 to $48.87.
Key figures
The last twelve months reported, with the latest price and balance sheet.
- Revenue, last twelve months
- $1.7B
- Revenue growth
- 5.5%
- Net income, last twelve months
- $232.6M
- Earnings per share
- $8.00
- Operating margin
- 19.0%
- Net margin
- 13.9%
- Free cash flow
- $360.4M
- Return on equity
- 36.0%
- Market value
- $1.3B
- Price to earnings
- 5.9x
- Dividend yield
- 1.3%
- Cash
- $569.5M
- Debt
- $97.3M
- Debt to equity
- 0.15
- Shares outstanding
- 27.6M
Financial statements
Revenue, profit and cash flow by fiscal year, each year linked to its annual report.
| Fiscal year | Year end | Revenue | Operating income | Net income | EPS | Free cash flow | Filing |
|---|---|---|---|---|---|---|---|
| FY2025 | 31 Dec 2025 | $1.6B | $249.5M | $183.0M | $6.32 | $377.1M | 10-K filed 27 Feb 2026 |
| FY2024 | 31 Dec 2024 | $1.5B | $91.1M | $58.9M | $2.01 | $130.0M | 10-K filed 28 Feb 2025 |
| FY2023 | 31 Dec 2023 | $1.4B | $94.9M | $66.8M | $2.22 | $67.0M | 10-K filed 28 Feb 2024 |
| FY2022 | 31 Dec 2022 | $1.2B | -$20.6M | -$22.3M | -$0.72 | $319.6M | 10-K filed 28 Feb 2023 |
| FY2021 | 31 Dec 2021 | $1.1B | $28.4M | $20.4M | $0.65 | $227.2M | 10-K filed 28 Feb 2022 |
By quarter
| Quarter | Quarter end | Revenue | Net income | EPS |
|---|---|---|---|---|
| Q3 FY2026 | 30 Sep 2026 | $439.3M | $52.5M | $1.80 |
| Q2 FY2026 | 30 Jun 2026 | $427.0M | $59.2M | $2.04 |
| Q1 FY2026 | 31 Mar 2026 | $393.6M | $54.3M | $1.88 |
| Q4 FY2025 | 31 Dec 2025 | $407.9M | $66.6M | $2.28 |
| Q3 FY2025 | 30 Sep 2025 | $401.0M | $39.8M | $1.38 |
| Q2 FY2025 | 30 Jun 2025 | $400.1M | $35.1M | $1.21 |
| Q1 FY2025 | 31 Mar 2025 | $394.9M | $41.4M | $1.44 |
| Q4 FY2024 | 31 Dec 2024 | $384.8M | $6.0M | $0.21 |
Company events
The newest 8-K filings of 295 held.
| Filed | Form | Event | Items |
|---|---|---|---|
| 22 Oct 2026 | 8-K | Results | 2.02, 9.01 |
| 23 Jul 2026 | 8-K | Results | 2.02, 9.01 |
| 8 Jul 2026 | 8-K | Investor update | 7.01, 9.01 |
| 18 Jun 2026 | 8-K | Material agreement, New debt, Other events | 1.01, 2.03, 8.01, 9.01 |
| 15 Jun 2026 | 8-K | Shareholder vote | 5.07 |
| 5 Jun 2026 | 8-K | Other events | 8.01, 9.01 |
| 28 May 2026 | 8-K | Other events | 8.01, 9.01 |
| 23 Apr 2026 | 8-K | Results | 2.02, 9.01 |
| 10 Apr 2026 | 8-K | Investor update | 7.01, 9.01 |
| 24 Feb 2026 | 8-K | Results | 2.02, 9.01 |
| 4 Feb 2026 | 8-K | Investor update | 7.01, 9.01 |
| 7 Jan 2026 | 8-K | Investor update | 7.01, 9.01 |
Every filing
The newest filings with the SEC of 591 held.
| Filed | Form | Period |
|---|---|---|
| 29 Oct 2026 | 10-Q | 30 Sep 2026 |
| 22 Oct 2026 | 8-K | 22 Oct 2026 |
| 18 Sep 2026 | EFFECT | – |
| 9 Sep 2026 | S-4 | – |
| 30 Jul 2026 | 10-Q | 30 Jun 2026 |
| 23 Jul 2026 | 8-K | 23 Jul 2026 |
| 8 Jul 2026 | 8-K | 8 Jul 2026 |
| 29 Jun 2026 | 11-K | 29 Jun 2026 |
| 18 Jun 2026 | 8-K | 16 Jun 2026 |
| 15 Jun 2026 | 8-K | 11 Jun 2026 |
| 5 Jun 2026 | 8-K | 3 Jun 2026 |
| 28 May 2026 | 8-K | 28 May 2026 |
Insider trades
Form 4 trades by officers, directors and 10% owners, last 12 months.
| Traded | Insider | Type | Shares | Price | Value | Held after | Form 4 |
|---|---|---|---|---|---|---|---|
| 11 Sep 2026 | Downes Sean P, Executive Chairman | Sale outside a trading plan | 20,000 | $43.98 | $879.6K | 1,084,645 | 11 Sep 2026 |
| 5 Aug 2026 | Downes Sean P, Executive Chairman | Sale outside a trading plan | 20,000 | $44.27 | $885.4K | 1,104,645 | 7 Aug 2026 |
| 11 Jun 2026 | Downes Sean P, Executive Chairman | Sale outside a trading plan | 20,000 | $38.22 | $764.3K | 1,148,255 | 12 Jun 2026 |
| 15 May 2026 | Downes Sean P, Executive Chairman | Sale outside a trading plan | 19,518 | $38.71 | $755.6K | 1,168,737 | 15 May 2026 |
| 15 May 2026 | Downes Sean P, Executive Chairman | Sale outside a trading plan | 482 | $39.40 | $19.0K | 1,168,255 | 15 May 2026 |
| 13 May 2026 | Pietrangelo Michael, Director | Sale outside a trading plan | 4,500 | $39.29 | $176.8K | 81,293 | 14 May 2026 |
| 12 May 2026 | Pietrangelo Michael, Director | Sale outside a trading plan | 3,000 | $39.55 | $118.6K | 85,793 | 14 May 2026 |
| 29 Apr 2026 | Downes Sean P, Executive Chairman | Sale outside a trading plan | 11,919 | $39.25 | $467.8K | 1,196,336 | 30 Apr 2026 |
| 29 Apr 2026 | Downes Sean P, Executive Chairman | Sale outside a trading plan | 5,837 | $40.08 | $234.0K | 1,190,499 | 30 Apr 2026 |
| 29 Apr 2026 | Downes Sean P, Executive Chairman | Sale outside a trading plan | 2,244 | $41.01 | $92.0K | 1,188,255 | 30 Apr 2026 |
| 31 Mar 2026 | Campos Kimberly D, CIO & CAO | Sale outside a trading plan | 946 | $34.12 | $32.3K | 7,422 | 31 Mar 2026 |
| 30 Mar 2026 | Peterson Richard D, Director | Sale outside a trading plan | 2,000 | $34.10 | $68.2K | 6,319 | 31 Mar 2026 |
Planned insider sales
Form 144 notices, filed when the sell order goes to the broker.
| Filed | Seller | Shares | Value | Planned sale |
|---|---|---|---|---|
| 11 Sep 2026 | DOWNES SEAN P, Officer | 20,000 | $876.0K | 11 Sep 2026 |
| 5 Aug 2026 | DOWNES SEAN P, Officer | 20,000 | $883.0K | 5 Aug 2026 |
| 11 Jun 2026 | DOWNES SEAN P, Officer | 20,000 | $757.0K | 11 Jun 2026 |
| 15 May 2026 | DOWNES SEAN P, Officer | 20,000 | $782.0K | 15 May 2026 |
| 13 May 2026 | Michael Pietrangelo, Director | 7,500 | $293.9K | 12 May 2026 |
| 29 Apr 2026 | DOWNES SEAN P, Officer | 20,000 | $824.0K | 29 Apr 2026 |
| 31 Mar 2026 | Kim Campos, affiliate | 946 | $32.3K | 31 Mar 2026 |
| 30 Mar 2026 | RICHARD D. PETERSON, Director | 2,000 | $67.3K | 30 Mar 2026 |
| 25 Mar 2026 | DOWNES SEAN P, Officer | 20,000 | $696.0K | 25 Mar 2026 |
| 30 Dec 2025 | RICHARD D. PETERSON, Director | 1,855 | $63.3K | 30 Dec 2025 |
Large holders
Schedule 13D and 13G filings by holders of more than 5% of the voting shares.
| Filed | Holder | Schedule | Stake | Shares |
|---|---|---|---|---|
| 27 Mar 2026 | The Vanguard Group | 13G amended | 0% | 0 |
| 11 Feb 2026 | DONALD SMITH & CO., INC. | 13G | 4.1% | 1.1M |
| 13 Nov 2025 | DONALD SMITH & CO., INC. | 13G | 5.3% | 1.5M |
Short interest
Shares sold short and not yet bought back, on each FINRA settlement date.
| Settlement | Shares short | Change | Days to cover |
|---|---|---|---|
| 15 Oct 2026 | 887.9K | -25.77% | 4.23 |
| 30 Sep 2026 | 1.2M | +83.55% | 7.03 |
| 15 Sep 2026 | 651.6K | +6.82% | 5.01 |
| 31 Aug 2026 | 610.0K | +11.71% | 2.85 |
| 14 Aug 2026 | 546.0K | -59.38% | 3.11 |
| 31 Jul 2026 | 1.3M | -0.76% | 5.74 |
| 15 Jul 2026 | 1.4M | +41.8% | 5.3 |
| 30 Jun 2026 | 955.2K | +49.1% | 3.98 |
Funds that hold it
From each fund's latest Form 13F.
245 funds held it at 30 Jun 2026: 111 added and 66 trimmed in the quarter. The largest:
| Fund | Shares | Value | Change in the quarter |
|---|---|---|---|
| BlackRock, Inc. | 2,683,917 | $111.0M | +99,676 |
| Dimensional Fund Advisors LP | 1,294,058 | $53.5M | +3,006 |
| Vanguard Capital Management LLC | 1,110,926 | $45.9M | -4,795 |
| American Century Companies Inc. | 1,108,045 | $45.8M | +108,115 |
| Vanguard Portfolio Management LLC | 940,840 | $38.9M | +178,853 |
| Geode Capital Management, LLC | 888,725 | $36.8M | -2,421 |
| Donald Smith & Co., Inc. | 721,686 | $29.8M | -451,851 |
| State Street Corp. | 642,440 | $26.6M | +37,055 |
| Two Sigma Investments, LP | 598,836 | $24.8M | -60,617 |
| Morgan Stanley | 589,139 | $24.4M | -13,818 |
Peers
Companies in the same industry.
- Berkshire Hathaway Inc. (BRK.B): revenue $384.7B, market value $1.17T
- Chubb Ltd. (CB): revenue $61.8B, market value $138.6B
- Progressive Corp. (PGR): revenue $91.1B, market value $133.8B
- Travelers Companies, Inc. (TRV): revenue $48.9B, market value $81.6B
- Allstate Corp. (ALL): revenue $70.1B, market value $65.0B
- American International Group, Inc. (AIG): revenue $26.6B, market value $42.7B
- Arch Capital Group Ltd. (ACGL): revenue $19.2B, market value $35.5B
- Hartford Insurance Group, Inc. (HIG): revenue $29.0B, market value $35.3B
- Everest Group, Ltd. (EG): revenue $16.8B, market value $29.8B
- Cincinnati Financial Corp. (CINF): revenue $13.3B, market value $27.9B