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UNIVERSAL INSURANCE HOLDINGS, INC.

UVE

$44.13 ▼ -0.88 (-1.96%) at close

18 Visible periods

36 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

UNIVERSAL INSURANCE HOLDINGS, INC. shows strong fundamentals with top-quartile Return on Common Equity (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $1.2B

Dividend Yield 1.74%

Revenue Growth 5.5% ↘

Op. Margin 15.2% ↗

ROIC None

FCF / Share None

Trailing P/E 6.7x

Price / Book 2.2x

FCF Yield —

Debt / Equity 0.18

info Valuation on last close. End-of-day price, Aug 7, 2026.

18-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$1.60B

↑ +5.5% —

Net Income Profit after all expenses

$182.95M

↑ +210.5% —

Operating Margin Operating profit as % of sales

15.2%

↑ +172.3% 67th

Long-Term Debt Long-term obligations

$100.48M

↓ -0.8% —

trending_up

Bullish Indicators

Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↑

Returns ↑

Financial Health ↓

Dividend History

Dividend / share · sourced from SEC filings

$0.77 Latest / share

+0.0% YoY

+3.1% 12-yr CAGR

$0.55

FY 2014

$0.63

FY 2015

$0.69

FY 2016

$0.69

FY 2017

$0.73

FY 2018

$0.77

FY 2019

$0.77

FY 2020

$0.77

FY 2021

$0.77

FY 2022

$0.77

FY 2023

$0.77

FY 2024

$0.77

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue Growth YoY (%)	5.5% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-9%)	9.3% Fair → Fair Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+54%)	13.8% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+130%)	9.0% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+50%)	4.6% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-24%)	14.2% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+137%)	14.0% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+134%)	9.6% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+59%)	9.7% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+62%)	25.4% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+323%)	48.0% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+700%)	22.6% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+277%)	11.6% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+93%)	19.5% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+225%)	-5.9% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-198%)	13.9% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+132%)	—	—
EPS Growth YoY (%)	216.9% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	-7.6% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	8.3% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	-56.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-59.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	9.4% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	7.7% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	-6.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	41.0% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	32.3% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	115.8% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	49.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-46.3% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	25.0% Good Good Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	210.5% Excellent Excellent Year-over-year change in net income	-11.8% Weak Weak Year-over-year change in net income	N/M	N/M	6.8% Fair ↑ Fair Improving Year-over-year change in net income	-58.9% Weak ↓ Weak Declining Year-over-year change in net income	-60.3% Weak ↓ Weak Declining Year-over-year change in net income	9.5% Fair ↓ Fair Declining Year-over-year change in net income	7.6% Fair ↓ Fair Declining Year-over-year change in net income	-6.6% Weak ↓ Weak Declining Year-over-year change in net income	45.9% Excellent ↓ Excellent Declining Year-over-year change in net income	23.8% Good ↓ Good Declining Year-over-year change in net income	94.6% Excellent ↑ Excellent Improving Year-over-year change in net income	50.7% Excellent ↑ Excellent Improving Year-over-year change in net income	-45.6% Weak Weak Year-over-year change in net income	28.5% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	9.5% Fair → Fair Stable Compound annual revenue growth over 3 years	10.7% Good ↑ Good Improving Compound annual revenue growth over 3 years	9.1% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	9.2% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	10.8% Good ↓ Good Declining Compound annual revenue growth over 3 years	12.6% Good ↓ Good Declining Compound annual revenue growth over 3 years	11.1% Good ↓ Good Declining Compound annual revenue growth over 3 years	14.7% Good ↓ Good Declining Compound annual revenue growth over 3 years	26.7% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	31.5% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	26.5% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	17.8% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	7.9% Fair Fair Compound annual revenue growth over 3 years	8.6% Fair Fair Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	8.4% Good ↓ Good Declining Compound annual revenue growth over 5 years	10.1% Good → Good Stable Compound annual revenue growth over 5 years	11.1% Good ↓ Good Declining Compound annual revenue growth over 5 years	10.2% Good ↓ Good Declining Compound annual revenue growth over 5 years	10.4% Good ↓ Good Declining Compound annual revenue growth over 5 years	14.4% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	20.5% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	22.3% Excellent → Excellent Stable Compound annual revenue growth over 5 years	22.7% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	24.9% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	17.9% Excellent Excellent Compound annual revenue growth over 5 years	11.9% Good Good Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	—	47.1% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	55.1% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	—	-42.2% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-42.0% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-21.7% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	3.2% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	12.3% Good ↓ Good Declining Compound annual EPS growth over 3 years	20.2% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	59.1% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	62.0% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	20.0% Excellent Excellent Compound annual EPS growth over 3 years	0.0% Caution Caution Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Operating Margin (%) (%)	15.2% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-39%)	5.6% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-78%)	6.3% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-75%)	-2.2% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-109%)	2.5% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-90%)	2.3% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-91%)	6.8% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-73%)	18.6% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-26%)	22.7% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-9%)	23.8% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	32.0% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+28%)	34.6% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+38%)	—	—	—	—	—	—
Effective Tax Rate (%) (%)	24.7% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	30.4% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.4% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.3% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	28.2% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.2% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.8% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.4% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	37.3% Weak ↓ Weak Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	39.0% Weak → Weak Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	39.2% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	42.8% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—
Profit Margin (%) (%)	11.4% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-48%)	3.9% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-82%)	4.8% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-78%)	-1.8% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-108%)	1.8% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-92%)	1.8% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-92%)	5.0% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-77%)	14.2% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-35%)	14.2% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-35%)	14.5% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-34%)	19.5% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-11%)	19.8% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-10%)	19.6% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-11%)	11.2% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-49%)	8.9% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-60%)	15.4% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-30%)	13.7% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-38%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	6.4% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	2.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	2.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	2.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	6.3% Caution ↓ Caution Declining Operating profit relative to total assets Optimal: > 10%	7.3% Fair ↓ Fair Declining Operating profit relative to total assets Optimal: > 10%	9.4% Fair ↑ Fair Improving Operating profit relative to total assets Optimal: > 10%	10.7% Good ↑ Good Improving Operating profit relative to total assets Optimal: > 10%	8.0% Fair ↑ Fair Improving Operating profit relative to total assets Optimal: > 10%	6.4% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	3.3% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	2.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	4.6% Caution Caution Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	33.2% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+177%)	15.8% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+32%)	19.6% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+63%)	-7.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-164%)	4.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-60%)	4.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-65%)	9.4% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-22%)	23.3% Excellent ↓ Excellent Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+94%)	24.3% Excellent ↓ Excellent Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+103%)	26.8% Excellent ↓ Excellent Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+123%)	36.3% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+203%)	36.5% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+204%)	33.6% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+180%)	18.5% Good ↓ Good Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+54%)	13.4% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+12%)	26.5% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+120%)	25.4% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+112%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Debt to Equity (x)	0.18x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-85%)	0.27x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-77%)	0.30x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-75%)	0.36x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-70%)	0.24x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-80%)	0.02x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-98%)	—	0.02x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-98%)	0.03x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-98%)	0.04x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-97%)	0.08x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-93%)	0.15x Excellent → Excellent Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-87%)	0.21x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-82%)	0.12x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-90%)	0.14x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-88%)	0.17x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-86%)	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue per Share (USD)	$57.51	$53.36	$46.65	$39.76	$35.94	$33.65	$27.72	$23.63	$21.58	$19.63	$15.71	$11.00	$8.40	$6.81	$5.76	$6.13	$5.60	—
Basic EPS, GAAP (USD)	$6.56	$2.07	$2.24	$-0.72	$0.65	$0.60	$1.37	$3.36	$3.07	$2.85	$3.06	$2.17	$1.64	$0.76	$0.51	$0.95	$0.76	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.77	$0.77	$0.77	$0.77	$0.77	$0.77	$0.77	$0.73	$0.69	$0.69	$0.63	$0.55	$0.49	$0.46	$0.32	$0.32	$0.54	—
Book Value per Share (USD)	$19.67	$13.28	$11.78	$9.47	$13.76	$14.43	$15.13	$14.42	$12.67	$10.59	$8.35	$5.86	$4.97	$4.00	$3.74	$3.55	$3.01	—
Tangible Book Value per Share (USD)	$19.67	$13.28	$11.78	$9.47	$13.76	$14.43	$15.13	$14.42	$12.67	$10.59	$8.35	$5.86	$4.97	$4.00	$3.74	$3.55	$3.01	—
Basic Weighted Avg Shares (shares)	27.89M	28.50M	29.83M	30.75M	31.22M	31.88M	33.89M	34.86M	34.84M	34.92M	34.80M	33.57M	35.87M	39.61M	39.18M	39.11M	37.62M	—
Dividend Payout Ratio (%)	11.7% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	37.2% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	34.4% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	-106.9% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	118.5% Weak ↑ Weak Improving Dividends paid as a percentage of earnings Optimal: 30-60%	128.3% Weak ↑ Weak Improving Dividends paid as a percentage of earnings Optimal: 30-60%	56.2% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	21.7% Excellent → Excellent Stable Dividends paid as a percentage of earnings Optimal: 30-60%	22.5% Excellent → Excellent Stable Dividends paid as a percentage of earnings Optimal: 30-60%	24.2% Excellent → Excellent Stable Dividends paid as a percentage of earnings Optimal: 30-60%	20.6% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	25.3% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	29.9% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	60.5% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	62.7% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	33.7% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	71.1% Caution Caution Dividends paid as a percentage of earnings Optimal: 30-60%	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$100.48M	$101.24M	$102.01M	$102.77M	$103.68M	$8.46M	—	$11.40M	$12.87M	$15.03M	$24.05M	$30.61M	$37.24M	$20.22M	$21.69M	$23.16M	—	—
Total Equity (USD)	$551.03M	$373.25M	$341.30M	$287.90M	$429.70M	$449.26M	$493.90M	$501.63M	$439.99M	$371.19M	$293.09M	$199.92M	$175.61M	$163.51M	$150.00M	$139.79M	$113.27M	$101.55M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	$1.60B	$1.52B	$1.39B	$1.22B	$1.12B	$1.07B	$939.35M	$823.82M	$751.92M	$685.29M	$546.54M	$369.28M	$301.16M	$269.94M	$225.86M	$239.92M	$210.64M	—
Depreciation Expense (USD)	$250.00K	$208.00K	$186.00K	$186.00K	—	—	—	$4.82M	$4.06M	$3.24M	—	—	$1.01M	$840.00K	$639.00K	$831.00K	$490.00K	—
Net Income, GAAP (USD)	$182.95M	$58.93M	$66.82M	$-22.26M	$20.41M	$19.11M	$46.51M	$117.05M	$106.94M	$99.41M	$106.48M	$72.99M	$58.98M	$30.31M	$20.11M	$36.98M	$28.79M	—
Operating Cash Flow (USD)	$381.49M	$137.36M	$70.97M	$324.51M	$234.38M	$29.35M	$84.60M	—	—	—	—	—	$156.96M	$142.51M	$110.13M	$-4.06M	$20.82M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Premiums Earned (USD)	$1.44B	$1.37B	$1.25B	$1.13B	$1.04B	$923.56M	$842.50M	$768.38M	$688.79M	$632.42M	$504.00M	$326.88M	$267.65M	$231.12M	$198.99M	$170.44M	$141.65M	—
Loss Ratio (%) (%)	68.5%	79.2%	79.3%	83.1%	75.3%	82.2%	71.6%	53.9%	50.9%	47.6%	37.2%	37.7%	40.6%	54.6%	62.5%	66.5%	74.9%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 18 years · 68 quarters

UNIVERSAL INSURANCE HOLDINGS, INC.

Analytical Summary

18-Year Financial Trajectory

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