CompanyGraph
Universal Insurance Holdings, Inc.
UVE · NYSE Arca · United States
universalinsuranceholdings.comFinancials as of FY2025
At a glance
- Depends onDownstream position: depends on 11 industries, supplies 5
- ScaleRevenue is $1.6B, above the global median of $520.53M
- FinancialsHigh earnings quality
- Interpretations2 currently firing — 2
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Sign inWhat the company actually pays, and whether its own cash supports it.
Dividends view
Yield
1.65%Below 5Y avg (3.71%)
Annual Rate
USD 0.64Paid quarterly
Payout Ratio
9.5%Sustainable
Consecutive Growth
1 yr
Paying Dividends
20 yr
Payback Period
55.0 yr
Last Ex-Dividend
Jul 31, 2026
Last Payment
Aug 7, 2026
The reported statements, read against the company's own industry.
Financials view
Market Capitalization
1.09BUSDvs all stocks (USD)
Trailing P/E
5.76xRevenue (TTM)
1.60BUSDvs all stocks (USD)
Profit Margin
12.22%Beta
0.7300xvs all stocks
52-Week Change
52.59%vs all stocks
Forward Annual Dividend Yield
1.65%vs all stocks
Market Capitalization
1.09BUSDvs all stocks (USD)
Enterprise Value
590.54MUSDvs all stocks (USD)
Trailing P/E
5.76xForward P/E
8.84xPEG Ratio
0.1775xPrice to Sales (TTM)
0.6777xPrice to Book (MRQ)
1.98xEnterprise to Revenue
0.3680xEnterprise to EBITDA
2.17xProfit Margin
12.22%Operating Margin
18.62%Return on Assets (TTM)
6.06%Return on Equity (TTM)
38.88%Revenue (TTM)
1.60BUSDvs all stocks (USD)
Revenue per Share (TTM)
57.69USDUpdated Jul 19, 2026Quarterly Revenue Growth
-0.30%Gross Profit (TTM)
385.05MUSDvs all stocks (USD)
EBITDA (TTM)
272.13MUSDvs all stocks (USD)
Net Income (TTM)
195.79MUSDvs all stocks (USD)
Quarterly Earnings Growth (YoY)
31.00%Operating Cash Flow (TTM)
349.55MUSDvs all stocks (USD)
Levered Free Cash Flow (TTM)
338.45MUSDvs all stocks (USD)
Forward Annual Dividend Rate
0.6400USDUpdated Jul 19, 2026Forward Annual Dividend Yield
1.65%vs all stocks
Trailing Annual Dividend Rate
0.7700USDUpdated Jul 19, 2026Trailing Annual Dividend Yield
1.98%vs all stocks
5-Year Average Dividend Yield
3.71%vs all stocks
Payout Ratio
9.47%Revenue
1.60BUSDFY2025 · Dec 31, 2025Pre-tax Income
243.07MUSDFY2025 · Dec 31, 2025Income Tax Expense
60.12MUSDFY2025 · Dec 31, 2025Net Income
182.95MUSDFY2025 · Dec 31, 2025EBIT
248.78MUSDFY2025 · Dec 31, 2025Selling, General & Administrative
118.30MUSDFY2025 · Dec 31, 2025Non-operating Interest Expense
5.71MUSDFY2025 · Dec 31, 2025EPS (Basic)
6.56USDFY2025 · Dec 31, 2025EPS (Diluted)
6.32USDFY2025 · Dec 31, 2025Basic Shares Outstanding
27.89MSharesFY2025 · Dec 31, 2025Diluted Shares Outstanding
27.89MSharesFY2025 · Dec 31, 2025Net Income from Continuing Operations
182.95MUSDFY2025 · Dec 31, 2025Operating Cash Flow
625.31MUSDFY2025 · Dec 31, 2025Free Cash Flow
620.91MUSDFY2025 · Dec 31, 2025Cash & Cash Equivalents (End of Period)
477.84MUSDFY2025 · Dec 31, 2025Income Tax Paid
35.56MUSDFY2025 · Dec 31, 2025Interest Paid
5.71MUSDFY2025 · Dec 31, 2025Starting Profit (CF Statement)
182.95MUSDFY2025 · Dec 31, 2025Deferred Taxes (CF)
2.57MUSDFY2025 · Dec 31, 2025Stock-based Compensation
8.65MUSDFY2025 · Dec 31, 2025Other Non-cash Items
3.49MUSDFY2025 · Dec 31, 2025Change in Accounts Receivable (CF)
394.78MUSDFY2025 · Dec 31, 2025Change in Accounts Payable (CF)
36.91MUSDFY2025 · Dec 31, 2025Change in Other Assets/Liabilities
-4.06MUSDFY2025 · Dec 31, 2025Capital Expenditures
-4.40MUSDFY2025 · Dec 31, 2025Purchase of Investments
-460.14MUSDFY2025 · Dec 31, 2025Sale of Investments
350.93MUSDFY2025 · Dec 31, 2025Net Investing Cash Flow
-113.61MUSDFY2025 · Dec 31, 2025Long-term Debt Payments
-1.47MUSDFY2025 · Dec 31, 2025Common Stock Repurchase
-22.37MUSDFY2025 · Dec 31, 2025Common Dividends Paid
-22.18MUSDFY2025 · Dec 31, 2025Other Financing Charges
-6.11MUSDFY2025 · Dec 31, 2025Net Financing Cash Flow
-52.12MUSDFY2025 · Dec 31, 2025Shares Outstanding
27.91MSharesUpdated Jul 19, 2026Float Shares
25.34MSharesUpdated Jul 19, 2026Shares Short
955.20KSharesUpdated Jul 19, 2026Short Ratio
4.75daysvs all stocks
Short % of Shares Outstanding
4.10%vs all stocks
% Held by Insiders
11.28%vs all stocks
% Held by Institutions
75.68%vs all stocks
Total Cash (MRQ)
595.77MUSDvs all stocks (USD)
Total Cash per Share (MRQ)
21.34USDUpdated Jul 19, 2026Total Debt (MRQ)
100.29MUSDvs all stocks (USD)
Total Debt to Equity (MRQ)
0.1715xCurrent Ratio (MRQ)
0.5470xBook Value per Share (MRQ)
19.67USDUpdated Jul 19, 2026Total Assets
2.84BUSDvs all stocks (USD)
Total Liabilities
2.29BUSDFY2025 · Dec 31, 2025Cash & Cash Equivalents
408.87MUSDFY2025 · Dec 31, 2025Other Short-term Investments
162.92MUSDFY2025 · Dec 31, 2025Accounts Receivable
308.64MUSDFY2025 · Dec 31, 2025Accounts Payable
257.24MUSDFY2025 · Dec 31, 2025Long-term Debt
100.48MUSDFY2025 · Dec 31, 2025Common Stock (Book)
482.00KUSDFY2025 · Dec 31, 2025Retained Earnings
757.45MUSDFY2025 · Dec 31, 2025Total Shareholders' Equity
551.03MUSDvs all stocks (USD)
Treasury Stock
305.06MUSDFY2025 · Dec 31, 202552-Week Low
21.96USDUpdated Jul 19, 202652-Week High
43.96USDUpdated Jul 19, 202652-Week Change
52.59%vs all stocks
Beta
0.7300xvs all stocks
50-Day MA
39.24USDUpdated Jul 19, 2026200-Day MA
34.31USDUpdated Jul 19, 2026Avg 10-Day Volume
238.48KSharesUpdated Jul 19, 2026Avg 30-Day Volume
225.60KSharesUpdated Jul 19, 2026Diluted EPS (TTM)
6.76USDUpdated Jul 19, 2026Other Income / Expense
8.32MUSDFY2025 · Dec 31, 20252 interpretations currently present — each is a set of fired observations whose alignment reads as one structural pattern. Click an observation to see the numbers behind it.
Screen for these patternsHow does this company use capital?
Cash Backing With OCF Coverage And Cash Near Total Debt
Cash on hand covers most or all of its total debt, and cash flow matches reported earnings.
Reads
Cash Backing With Revenue And Income Streaks
Revenue has risen in each of three years, profit in all three, and it holds more cash than debt.
Reads
An interpretation is present only while every observation it reads stays fired (score ≥ 70). It describes what the aligned readings show — never a verdict, never a prediction.
Shared structure with peers — never a ranking.
Relationships view
Structural observations derived from financial data, industry benchmarks, and supply chain position.
Financial Health
High earnings qualityNotable
Earnings Quality Score: 0.82
Supply Chain
Downstream position: depends on 11 industries, supplies 5Notable
Outgoing: 5.00Incoming: 11.00
High connectivity hub: 16 industry connectionsNotable
Total Connections: 16.00
Scale
Revenue is $1.6B, above the global median of $520.53MNotable
Revenue (USD): 1,602,612,992Global Median: 520,528,949.311
Levered free cash flow is $338.45M, above the global median of $16.24MNotable
Levered free cash flow (USD): 338,452,640Global Median: 16,239,329.704
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