UVE is the ticker symbol for UNIVERSAL INSURANCE HOLDINGS, INC., a publicly traded Financials sector company listed on NYSE. 13F Pro tracks UVE with AI-powered analysis, an AI quality score, SEC EDGAR financials, insider transactions, and institutional 13F holdings — all sourced directly from public SEC filings.

Is UVE a good stock to buy?

13F Pro's AI ranking engine scores UVE at 62.4/100, ranked #708 of 2,925 stocks on a composite quality score built from its SEC filings, covering profitability, growth, balance sheet strength, and free cash flow. The full AI verdict and bull/bear case for UVE is available at https://13fpro.ai/company/UVE. Not investment advice — review the underlying SEC filings before making any trade.

Where does 13F Pro source UVE data?

All UNIVERSAL INSURANCE HOLDINGS, INC. fundamentals and ownership data come directly from SEC EDGAR. UNIVERSAL INSURANCE HOLDINGS, INC. files with the SEC under CIK 891166. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

UNIVERSAL INSURANCE HOLDINGS, INC. UVE

NYSESmall CapFinancials

13F Pro quality score

Rank #708 of 2,925TOP 25%

Why it scores 62 Financials peers →

Rankings refresh quarterly once 80% of peers have filed. Next update: ~Nov 14, 2026.

Revenue

$427.03M

Quarter to Jun 30

Net income

$59.19M

Quarter to Jun 30

Free cash flow

$100.17M

Quarter to Jun 30

Operating margin

18.6%

Quarter to Jun 30

Top Institutional Holders

as of Q2 2026

$890.34M total

BlackRock, Inc.

$111.01M+3.9%

DIMENSIONAL FUND ADVISORS LP

$53.52M+0.2%

VANGUARD CAPITAL MANAGEMENT LLC

$45.95M-0.4%

AMERICAN CENTURY COMPANIES INC

$45.83M+10.8%

VANGUARD PORTFOLIO MANAGEMENT LLC

$38.91M+23.5%

GEODE CAPITAL MANAGEMENT, LLC

$36.76M-0.3%

DONALD SMITH & CO., INC.

$29.85M-38.5%

STATE STREET CORP

$26.57M+6.1%

TWO SIGMA INVESTMENTS, LP

$24.77M-9.2%

MORGAN STANLEY

$24.37M-2.3%

RENAISSANCERE HOLDINGS LTD

$24.14M0.0%

GOLDMAN SACHS GROUP INC

$22.85M-15.6%

ARROWSTREET CAPITAL, LIMITED PARTNERSHIP

$21.18M+0.5%

Qube Research & Technologies Ltd

$15.39M+68.7%

JACOBS LEVY EQUITY MANAGEMENT, INC

$13.60M-2.3%

AQR CAPITAL MANAGEMENT LLC

$13.02M+49.2%

BRIDGEWAY CAPITAL MANAGEMENT, LLC

$12.39M+2.4%

LSV ASSET MANAGEMENT

$11.35M-0.2%

BNP PARIBAS FINANCIAL MARKETS

$11.34M+6.7%

NORTHERN TRUST CORP

$11.21M+4.0%

Connor, Clark & Lunn Investment Management Ltd.

$10.53M+6.2%

Nuveen, LLC

$10.47M+2.5%

CHARLES SCHWAB INVESTMENT MANAGEMENT INC

$10.34M-3.8%

Russell Investments Group, Ltd.

$9.69M+12.9%

Bank of New York Mellon Corp

$8.10M-12.8%

See all 221 institutional holders →

What's Driving UVE's Business? Latest 10-Q Breakdown

28/28 datapoints verified

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.

Read the full 10-Q on SEC EDGAR →

Key Metrics

Revenue

Q2 2026

EDGAR

Net Income

Q2 2026

EDGAR

EPS (Diluted)

Q2 2026

EDGAR

Operating Margin

Q2 2026

EDGAR

ROIC

Q2 2026

EDGAR

Free Cash Flow

Q2 2026

EDGAR

Debt/Equity

Q2 2026

EDGAR

Financial Trends

Revenue & Net Income

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Earnings Per Share

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UNIVERSAL INSURANCE HOLDINGS, INC. reported revenue, net income and margins by fiscal period, from SEC filings.
Period	Form	Revenue	Net income	Op. marginOperating 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%

About UNIVERSAL INSURANCE HOLDINGS, INC. (UVE): stock profile, AI score and financials

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 62.4/100 on a composite quality score built from its SEC filings, placing it at rank #708 of 2,925 stocks — the top 25% of the AI-ranked universe. UVE scores in the top quartile across profitability (77.1), balance sheet strength (76.0). 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.

Financials through the period ended Jun 30, 2026SEC EDGAR: CIK 891166 →

UNIVERSAL INSURANCE HOLDINGS, INC. UVE

Top Institutional Holders

What's Driving UVE's Business? Latest 10-Q Breakdown

Biggest Revenue Drivers

Biggest Revenue Drivers

Largest Expense Items

Watch Items from the Filing

Key Metrics

Financial Trends

Revenue & Net Income

Earnings Per Share

UVE key financials by period

UVE insiders

About UNIVERSAL INSURANCE HOLDINGS, INC. (UVE): stock profile, AI score and financials

UNIVERSAL INSURANCE HOLDINGS, INC. UVE

Top Institutional Holders

What's Driving UVE's Business? Latest 10-Q Breakdown

Biggest Revenue Drivers

Key Metrics

Financial Trends

Revenue & Net Income

Earnings Per Share

UVE key financials by period

Companies similar to UVE

UVE insiders

About UNIVERSAL INSURANCE HOLDINGS, INC. (UVE): stock profile, AI score and financials