What is the 13F Pro Quality Score for UVE?

13F Pro ranks UNIVERSAL INSURANCE HOLDINGS, INC. (UVE) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View UVE's current score at https://13fpro.ai/company/UVE (free sign-up required for the full ranking).

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.

What sector is UVE in?

UNIVERSAL INSURANCE HOLDINGS, INC. (UVE) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What drives UVE's revenue?

Per UNIVERSAL INSURANCE HOLDINGS, INC.'s latest 10-Q filed with the SEC on 2026-07-30, the biggest revenue drivers are: Premiums earned, net ($377.3M, +4.7% YoY); Net investment income ($20.2M, +17.1% YoY); Commission revenue ($13.8M, -13.1% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/UVE.

What are UVE's largest expenses?

UNIVERSAL INSURANCE HOLDINGS, INC.'s latest 10-Q reports these as the largest expense items: Losses and loss adjustment expenses ($244.6M, -6.0% YoY); Policy acquisition costs ($68.1M, +10.0% YoY); Other operating costs and expenses ($32.8M, +9.4% YoY). Sourced directly from SEC EDGAR filing text for Q2 FY2026 (quarter ended June 30, 2026).

How often is UVE research updated on 13F Pro?

UVE's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

UNIVERSAL INSURANCE HOLDINGS, INC.(UVE)Stock Analysis

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13F Pro Quality Score

62.8/100

Rank #685 of 2,962 stocksTOP 25%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

41.6/100

Profitability

77.4/100

Balance Sheet

76.2/100

Earnings Quality

69.9/100

Free Cash Flow

73.9/100

Institutional Flow

49.1/100

Revenue Scale

59.5/100

Dilution Risk

73.5/100

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Why UVE Scores 63/100

exact factor attribution · 2026-09-11

UVE's composite is driven by profitability and free cash flow, held back by revenue growth. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Profitability

+5.5 pts

77th pct

Free cash flow

+3.6 pts

74th pct

Capital efficiency

+3.5 pts

76th pct

Earnings growth

+2.7 pts

90th pct

Earnings quality

+2.0 pts

70th pct

Scale

+1.9 pts

60th pct

Shareholder dilution

+1.6 pts

74th pct

Institutional flow

-0.1 pts

49th pct

Revenue growth

-2.2 pts

42th pct

Latest change (2026-07-30): 71 → 68 · ↓ Revenue growth 58→41

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

UVE Stock Analysis & AI Quality Score

Data updated 2026-09-11

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 62.8/100 on a 32-signal composite quality model, placing it at rank #685 of 2,962 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. UNIVERSAL INSURANCE HOLDINGS, INC.'s 13F Pro composite quality score has ranged between 40 and 68 since 2021, currently 62.8 — an improving long-term trajectory across 68 quarterly and live scoring snapshots.

✦

Fun facts about UNIVERSAL INSURANCE HOLDINGS, INC.

Quirks, history, and lore behind UVE — the kind of stuff that makes a stock memorable.

1
The Basics
U.S. financial services company · small-cap · listed on the NYSE · headquartered in South Florida.
2
The Numbers
Annual revenue in the range of $400–500 million, driven almost entirely by premiums written — this company lives and dies by what storms decide to do.
3
The History
Founded in the 1990s, it stepped into a market that bigger carriers were quietly tiptoeing out of after Hurricane Andrew reshaped the Florida insurance landscape forever.
4
The Secret
It doesn't just sell policies — it also runs its own managing general agent and claims management subsidiaries, keeping a surprising chunk of the value chain in-house.
5
The Lore
Operating in one of the most litigation-prone, hurricane-battered insurance markets on earth — Florida — is basically the company's entire personality and its biggest ongoing risk factor.
6
The Giveaway
A Florida-focused homeowners insurer traded under a three-letter ticker that starts with U, serving a state where every Atlantic hurricane season is essentially an earnings call.

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

✓ 28/28 datapoints verified

AI-extracted from UNIVERSAL INSURANCE HOLDINGS, INC.'s 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 →Share on X

Revenue

Q2 2026

$427.0M

Net Income

Q2 2026

$59.2M

Free Cash Flow

Q2 2026

$100.2M

Operating Margin

Q2 2026

18.6%

ROIC

Q2 2026

43.3%

D/E Ratio

Q2 2026

0.15

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+5.5% YoY

$1.60BFY 2025

FY22 $1.22BFY23 $1.39BFY24 $1.52BFY25 $1.60B

Net Income

+210.5% YoY

$183.0MFY 2025

FY22 $-22.3MFY23 $66.8MFY24 $58.9MFY25 $183.0M

EPS (Diluted)

+214.4% YoY

$6.32FY 2025

FY22 $-0.72FY23 $2.22FY24 $2.01FY25 $6.32

Total Assets

-0.1% YoY

$2.84BFY 2025

FY22 $2.89BFY23 $2.32BFY24 $2.84BFY25 $2.84B

Total Debt

-0.8% YoY

$100.5MFY 2025

FY22 $102.8MFY23 $102.0MFY24 $101.2MFY25 $100.5M

Op. Cash Flow

+177.7% YoY

$381.5MFY 2025

FY22 $324.5MFY23 $71.0MFY24 $137.4MFY25 $381.5M

Free Cash Flow

+190.1% YoY

$377.1MFY 2025

FY22 $319.6MFY23 $67.0MFY24 $130.0MFY25 $377.1M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$1.60B +5.5%	$1.52B +9.3%	$1.39B +13.8%	$1.22B +9.0%	$1.12B +4.6%	$1.07B
Net Income	$183.0M +210.5%	$58.9M -11.8%	$66.8M +400.2%	$-22.3M -209.1%	$20.4M +6.8%	$19.1M
EPS (Diluted)	$6.32 +214.4%	$2.01 -9.5%	$2.22 +408.3%	$-0.72 -210.8%	$0.65 +8.3%	$0.60
Total Assets	$2.84B -0.1%	$2.84B +22.7%	$2.32B -19.8%	$2.89B +40.6%	$2.06B +16.9%	$1.76B
Total Debt	$100.5M -0.8%	$101.2M -0.7%	$102.0M -0.7%	$102.8M -0.9%	$103.7M +1126.1%	$8.5M
Operating Cash Flow	$381.5M +177.7%	$137.4M +93.5%	$71.0M -78.1%	$324.5M +38.5%	$234.4M +698.6%	$29.3M
Free Cash Flow	$377.1M +190.1%	$130.0M +94.2%	$67.0M -79.1%	$319.6M +40.7%	$227.2M +1772.3%	$12.1M

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Available Research

13F Pro tracks comprehensive data for UNIVERSAL INSURANCE HOLDINGS, INC. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of UVE

BlackRock, Inc.
$111.0M2,683,917 sh
DIMENSIONAL FUND ADVISORS LP
$53.5M1,294,058 sh
VANGUARD CAPITAL MANAGEMENT LLC
$45.9M1,110,926 sh
AMERICAN CENTURY COMPANIES INC
$45.8M1,108,045 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$38.9M940,840 sh
GEODE CAPITAL MANAGEMENT, LLC
$36.8M888,725 sh
DONALD SMITH & CO., INC.
$29.8M721,686 sh
STATE STREET CORP
$26.6M642,440 sh
TWO SIGMA INVESTMENTS, LP
$24.8M598,836 sh
MORGAN STANLEY
$24.4M589,139 sh

Fund	Value	Shares
BlackRock, Inc.	$111.0M	2,683,917
DIMENSIONAL FUND ADVISORS LP	$53.5M	1,294,058
VANGUARD CAPITAL MANAGEMENT LLC	$45.9M	1,110,926
AMERICAN CENTURY COMPANIES INC	$45.8M	1,108,045
VANGUARD PORTFOLIO MANAGEMENT LLC	$38.9M	940,840
GEODE CAPITAL MANAGEMENT, LLC	$36.8M	888,725
DONALD SMITH & CO., INC.	$29.8M	721,686
STATE STREET CORP	$26.6M	642,440
TWO SIGMA INVESTMENTS, LP	$24.8M	598,836
MORGAN STANLEY	$24.4M	589,139

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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. UVE is classified as a small company.

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.