UNIVERSAL INSURANCE HOLDINGS, INC.(UVE)— Stock Profile, AI Score & Financials
Financials · NYSE · AI-powered stock analysis, 32-signal quality score, SEC EDGAR financials, and institutional holdings. Updated .
UNIVERSAL INSURANCE HOLDINGS, INC. (UVE) stock profile, AI quality score, and SEC EDGAR financial data, a Financials sector company. 13F Pro's AI-powered ranking engine scores UVE at 62.8/100 on a 32-signal composite quality model, placing it at rank #681 of 2,960 stocks — the top 25% of the AI-ranked universe. UVE scores in the top quartile across profitability (77.4), balance sheet strength (76.2). Based on the latest XBRL financial filings (Q2 2026), UNIVERSAL INSURANCE HOLDINGS, INC. reports quarterly revenue of $427.0M, net income of $59.2M, an operating margin of 18.6%. Top institutional holders of UVE by reported 13-F value include BlackRock, DIMENSIONAL FUND ADVISORS, VANGUARD CAPITAL MANAGEMENT, based on the most recent SEC filings. UVE trades on the NYSE exchange and files with the SEC under CIK 891166. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate UVE daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for UNIVERSAL INSURANCE HOLDINGS, INC. directly from SEC EDGAR.
AI Quality Score
62.8/100
AI Rank
#681
Revenue
$427.0M
Net Income
$59.2M
Free Cash Flow
$100.2M
Operating Margin
18.6%
UVE key financials by period
UNIVERSAL INSURANCE HOLDINGS, INC. reported revenue, net income and margins by fiscal period, from SEC filings.
Period
Form
Revenue
Net income
Operating margin
FY 2025
10-K
$1.6B
$183.0M
15.2%
FY 2024
10-K
$1.5B
$58.9M
5.6%
FY 2023
10-K
$1.4B
$66.8M
6.3%
FY 2022
10-K
$1.2B
$-22.3M
-2.2%
FY 2021
10-K
$1.1B
$20.4M
2.5%
FY 2020
10-K
$1.1B
$19.1M
2.3%
Institutions holding UVE
Institutional investors reporting a position in UNIVERSAL INSURANCE HOLDINGS, INC. on SEC Form 13F.
AI-extracted from the 10-Q filed 2026-07-30 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.
Net income rose 69% YoY to $59.2M as the combined ratio improved to 91.6% from 97.8%, driven by a lower loss ratio and no catastrophe losses.
Biggest Revenue Drivers
Premiums earned, net$377.3M+4.7% YoY
Reflects direct premium growth from expanded Florida and other-state homeowners writings supported by rate actions and policy growth
Net investment income$20.2M+17.1% YoY
Growth in average invested assets and higher average book yields as maturities were reinvested at higher rates
Biggest Revenue Drivers
Total revenue: $427.0M+6.7% YoY
Premiums earned, net$377.3M+4.7% YoY
Reflects direct premium growth from expanded Florida and other-state homeowners writings supported by rate actions and policy growth
Net investment income$20.2M+17.1% YoY
Growth in average invested assets and higher average book yields as maturities were reinvested at higher rates
Commission revenue$13.8M-13.1% YoY
Absence of prior-year reinstatement premium commissions tied to Hurricanes Helene and Milton, plus lower ceded premium under the new reinsurance program
Policy fees$6.0M+7.8% YoY
Driven by policy growth
Largest Expense Items
Losses and loss adjustment expenses$244.6M-6.0% YoY
Lower current accident year loss estimate, no prior-year reserve development, and no new catastrophe losses, reflecting emerging benefits of Florida legislative reforms
Policy acquisition costs$68.1M+10.0% YoY
Higher premium volume increased agent commissions, with continued growth outside Florida where commission rates are higher
Other operating costs and expenses$32.8M+9.4% YoY
Higher general operating expenses and compensation-related costs, including share-based compensation and incentive accruals
Interest and amortization of debt issuance costs$2.0M+24.1% YoY
Includes a $295K write-off of unamortized issuance costs from redeeming the 2026 Notes and a higher coupon on the new 7.75% 2031 Notes
Margins: Combined ratio improved to 91.6% from 97.8% YoY as the net loss ratio fell to 64.8% from 72.3% on a lower current accident year estimate and no catastrophe losses, partially offset by a higher expense ratio (26.8% vs 25.5%) from increased acquisition and operating costs.
Watch Items from the Filing
Florida represented approximately 72.9% of direct premiums written year-to-date but only 47.1% of total insured value, underscoring continued catastrophe concentration despite geographic diversification efforts.
No catastrophe events or prior-year reserve development occurred in either Q2 2026 or Q2 2025, meaning the strong combined ratio partly reflects benign weather that may not recur.
Commission revenue fell 13.1% YoY and is expected to keep declining ratably through the 2026-27 contract period given the 12.1% drop in ceded written premium.
Company redeemed $100M of 5.625% notes and issued $100M of 7.75% notes due 2031, extending maturity but raising future cash interest expense.
AI-extracted and verified against SEC EDGAR filing text. Not investment advice.
