UNIVERSAL INSURANCE HOLDINGS, INC.(UVE)Stock Analysis
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Rank #262 of 2,879 stocksTOP 10%
Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.
Revenue Growth
Profitability
Balance Sheet
Earnings Quality
Free Cash Flow
Institutional Flow
Revenue Scale
Dilution Risk
UVE Stock Analysis & AI Quality Score
AI stock analysis and institutional research for UNIVERSAL INSURANCE HOLDINGS, INC. (UVE), a Financials sector company. 13F Pro's AI-powered ranking engine scores UVE at 71.4/100 on a 32-signal composite quality model, placing it at rank #262 of 2,879 stocks — the top 10% of the AI-ranked universe. UVE scores in the top quartile across free cash flow (86.8), earnings quality (82.8), profitability (78.1). Based on the latest XBRL financial filings (Q1 2026), UNIVERSAL INSURANCE HOLDINGS, INC. reports quarterly revenue of $393.6M, net income of $54.3M, an operating margin of 18.2%. Top institutional holders of UVE by reported 13-F value include BlackRock,, DIMENSIONAL FUND ADVISORS, DONALD SMITH & CO.,, 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. UNIVERSAL INSURANCE HOLDINGS, INC.'s 13F Pro composite quality score has ranged between 40 and 72 since 2021, currently 71.4 — an improving long-term trajectory across 28 quarterly and live scoring snapshots.
What's Driving UVE's Business? Latest 10-Q Breakdown
✓ 25/25 datapoints verifiedAI-extracted from UNIVERSAL INSURANCE HOLDINGS, INC.'s 10-Q filed 2026-04-29 — Q1 2026 (quarter ended March 31, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.
Q1 net income rose 31% to $54.3M on premium growth, lower loss ratios, and higher investment income, with combined ratio improving 5.3 points to 89.7%.
Biggest Revenue Drivers
Total revenue: $393.6M-0.3% YoY
Direct premiums written increased $39.5M (8.5%), driven by $22.6M growth outside Florida and $16.9M in Florida; ceded premiums earned increased 10.8% due to higher 2025-2026 reinsurance program costs.
Increased due to higher book yields on reinvested proceeds and growth in invested assets, partially offset by lower cash yields.
Driven by liquidating equity investments, partially offset by optimizing fixed income portfolio.
Decrease largely due to commissions on reinstatement premiums from Hurricanes Helene and Milton earned in 2025; no such commissions in 2026.
Largest Expense Items
Net loss ratio improved to 63.9% from 70.5%, reflecting current year pick with no catastrophic losses or prior-year development in either quarter.
Increase driven by higher premiums outside Florida where commissions are greater, and accruals for expected increased agent bonus commissions.
Increase primarily due to higher fixed income allowance for credit losses (CECL) and increased operating expenses.
Margins: Combined ratio improved 5.3 points to 89.7% on lower loss ratios (63.9% from 70.5%) driven by no catastrophic events and improved claims trends, partially offset by higher acquisition costs due to geographic mix and reinsurance cost increases.
Watch Items from the Filing
- Florida concentration: 71.3% of direct premiums written in Q1 2026. Market depends on continued regulatory reform benefits, legislative stability, and competitive dynamics as new insurers enter post-reform market.
- $100M of 5.625% Senior Unsecured Notes mature November 30, 2026. Company plans refinancing with new notes or cash; refinancing risk exists if capital markets tighten.
- Reinsurance program costs increased: ceded earned premiums rose 10.8% YoY, now 32.8% of direct earned premiums (up from 30.7%), due to expanded 2025-2026 coverage limits.
- Insurance Entities cannot pay ordinary dividends: as of March 31, 2026, UPCIC did not meet dividend capacity threshold; APPCIC met it but paid none. Limits holding company liquidity flexibility.
AI-extracted and verified against SEC EDGAR filing text. Not investment advice.
Revenue
Q1 2026
$393.6M
Net Income
Q1 2026
$54.3M
Free Cash Flow
Q1 2026
$153.2M
Operating Margin
Q1 2026
18.2%
D/E Ratio
Q1 2026
0.17
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · Pro+Revenue
+9.3% YoYNet Income
-11.8% YoYEPS (Diluted)
-9.5% YoYTotal Assets
+22.7% YoYTotal Debt
-0.7% YoYOp. Cash Flow
+93.5% YoY| Metric | FY 2024 | FY 2023 | FY 2021 | FY 2020 | FY 2019 | FY 2018 |
|---|---|---|---|---|---|---|
| Revenue | $1.52B +9.3% | $1.39B +24.0% | $1.12B +4.6% | $1.07B +14.2% | $939.4M +14.0% | $823.8M |
| Net Income | $58.9M -11.8% | $66.8M +227.5% | $20.4M +6.8% | $19.1M -58.9% | $46.5M -60.3% | $117.1M |
| EPS (Diluted) | $2.01 -9.5% | $2.22 +241.5% | $0.65 +8.3% | $0.60 -55.9% | $1.36 -58.4% | $3.27 |
| Total Assets | $2.84B +22.7% | $2.32B +12.7% | $2.06B +16.9% | $1.76B +2.3% | $1.72B -7.5% | $1.86B |
| Total Debt | $101.2M -0.7% | $102.0M -1.6% | $103.7M +1126.1% | $8.5M | — | $11.4M |
| Operating Cash Flow | $137.4M +93.5% | $71.0M -69.7% | $234.4M +698.6% | $29.3M -65.3% | $84.6M -63.2% | $230.1M |
AI Insight: UVE Financial Trends
Universal Insurance delivered steady revenue growth and strong equity accumulation despite volatile quarterly cash flows and earnings.
• Revenue grew from $380M in Q2 2024 to $394M in Q1 2026, showing consistent expansion.
• Equity strengthened significantly from $393M in Q2 2024 to $585M in Q1 2026.
• Total debt remained stable around $100-102M throughout the period, maintaining low leverage.
• Net income recovered from -$16M loss in Q3 2024 to $54M profit in Q1 2026.
⚠ Operating cash flow remains highly volatile, swinging from -$101M in Q4 2024 to $187M in Q1 2025.
⚠ Recent quarterly revenue declined from $408M in Q4 2025 to $394M in Q1 2026.
AI Insight: UVE Ratio Trends
Universal Insurance achieved robust recovery with operating margin expanding from -4.7% in Q3 2024 to 18.2% in Q1 2026, while steadily deleveraging.
• Operating margin surged from -4.7% in Q3 2024 to 18.2% in Q1 2026, with Q4 2025 reaching peak of 21.7%.
• ROIC recovered dramatically from -14.4% in Q3 2024 to 41.9% in Q1 2026, demonstrating strong capital efficiency restoration.
• Debt-to-equity ratio improved consistently from 0.27 in Q4 2024 to 0.17 in Q1 2026, showing deleveraging progress.
⚠ Operating margin declined from Q4 2025 peak of 21.7% to 18.2% in Q1 2026, breaking sequential improvement trend.
⚠ ROIC dropped from Q4 2025 high of 54.3% to 41.9% in Q1 2026, first quarterly decline since recovery began.
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Available Research
13F Pro tracks comprehensive data for UNIVERSAL INSURANCE HOLDINGS, INC. including:
Top Institutional Holders of UVE
BlackRock, Inc.
$88.3M2,584,241 shDIMENSIONAL FUND ADVISORS LP
$44.1M1,291,052 shDONALD SMITH & CO., INC.
$40.1M1,173,537 shVANGUARD CAPITAL MANAGEMENT LLC
$38.1M1,115,721 shAMERICAN CENTURY COMPANIES INC
$34.2M999,930 shGEODE CAPITAL MANAGEMENT, LLC
$30.4M891,146 shVANGUARD PORTFOLIO MANAGEMENT LLC
$26.0M761,987 shTWO SIGMA INVESTMENTS, LP
$22.5M659,453 shGOLDMAN SACHS GROUP INC
$22.3M654,197 shSTATE STREET CORP
$20.7M605,385 sh
| Fund | Value | Shares |
|---|---|---|
| BlackRock, Inc. | $88.3M | 2,584,241 |
| DIMENSIONAL FUND ADVISORS LP | $44.1M | 1,291,052 |
| DONALD SMITH & CO., INC. | $40.1M | 1,173,537 |
| VANGUARD CAPITAL MANAGEMENT LLC | $38.1M | 1,115,721 |
| AMERICAN CENTURY COMPANIES INC | $34.2M | 999,930 |
| GEODE CAPITAL MANAGEMENT, LLC | $30.4M | 891,146 |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $26.0M | 761,987 |
| TWO SIGMA INVESTMENTS, LP | $22.5M | 659,453 |
| GOLDMAN SACHS GROUP INC | $22.3M | 654,197 |
| STATE STREET CORP | $20.7M | 605,385 |
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Is UVE a good stock to buy?
13F Pro's AI-powered analysis of UNIVERSAL INSURANCE HOLDINGS, INC. (UVE) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for UVE are available on the UVE stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.
Which hedge funds own UVE?
Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling UVE. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of UNIVERSAL INSURANCE HOLDINGS, INC.'s investment landscape.