UVE Financials UNIVERSAL INSURANCE HOLDINGS, INC.

15 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated 45 d ago Overview →

Growth & profitability

Revenue has grown 8.4% per year over the past 5 years.
Net income has grown faster than revenue (57.1% vs 8.4% per year).
Free cash flow has grown 98.8% per year over the past 5 years.

Financial health

The company holds more cash ($409M) than total debt ($100M).
Total debt has grown faster than revenue (64.1% vs 8.4% per year).

Shareholder returns

Dividends have been paid for 15 consecutive years, consuming 12.1% of earnings and 5.9% of free cash flow.
The dividend has declined 2.0% per year over the past 5 years.

Revenue & net income

RevenueNet income

Margins (gross / operating / net)

GrossOperatingNet

Return on equity & assets (ROE / ROA)

ROEROA

Free cash flow (CFO − capex)

Free cash flow

Cash vs total debt

CashTotal debt

Cash flow: operating / investing / financing

OperatingInvestingFinancing

Key annual figures

FY	Revenue	Net income	Gross M	Op M	ROE	ROA	FCF	Total debt	Cash
2025	$1.6B	$183M	0.0%	0.0%	33.2%	6.4%	$377M	$100M	$409M
2024	$1.5B	$59M	0.0%	0.0%	15.8%	2.1%	$130M	$101M	$259M
2023	$1.4B	$67M	0.0%	0.0%	19.6%	2.9%	$67M	$102M	$397M
2022	$1.2B	-$22M	0.0%	0.0%	-7.7%	-0.8%	$320M	$103M	$389M
2021	$1.1B	$20M	0.0%	0.0%	4.7%	1.0%	$227M	$104M	$251M
2020	$1.1B	$19M	0.0%	0.0%	4.3%	1.1%	$12M	$8M	$167M
2019	$939M	$47M	0.0%	0.0%	9.4%	2.7%	$73M	—	$182M
2018	$824M	$117M	0.0%	0.0%	23.3%	6.3%	$223M	$11M	$166M
2017	$752M	$107M	0.0%	0.0%	24.3%	7.3%	$240M	$13M	$213M
2016	$685M	$99M	0.0%	0.0%	26.8%	9.4%	—	$15M	$106M
2015	$547M	$106M	0.0%	0.0%	36.3%	10.7%	—	$24M	$197M
2014	$369M	$73M	0.0%	0.0%	36.5%	8.0%	—	$31M	$115M
2013	$301M	$59M	0.0%	0.0%	33.6%	6.4%	$156M	$37M	$117M
2012	$270M	$30M	0.0%	0.0%	18.5%	3.3%	$140M	$20M	$347M
2011	$226M	$20M	0.0%	0.0%	13.4%	2.2%	$110M	$22M	$230M

Revenue & net income

RevenueNet income

Margins (gross / operating / net)

GrossOperatingNet

Return on equity & assets (ROE / ROA)

ROEROA

Free cash flow (CFO − capex, quarterly)

Free cash flow

Cash vs total debt

CashTotal debt

Cash flow: operating / investing / financing

OperatingInvestingFinancing

Key quarterly figures

Quarter	Revenue	Net income	Gross M	Op M	ROE	ROA	FCF	Total debt	Cash
Jun '26	$427M	$59M	0.0%	0.0%	9.3%	1.8%	$100M	$98M	$532M
Mar '26	$394M	$54M	0.0%	0.0%	9.3%	2.0%	$153M	$100M	$596M
Dec '25	$408M	$67M	0.0%	0.0%	12.1%	2.3%	$25M	$100M	$409M
Sep '25	$401M	$40M	0.0%	0.0%	8.0%	1.3%	$61M	$101M	$405M
Jun '25	$400M	$35M	0.0%	0.0%	7.7%	1.1%	$105M	$101M	$367M
Mar '25	$395M	$41M	0.0%	0.0%	9.8%	1.5%	$186M	$101M	$398M
Dec '24	$385M	$6M	0.0%	0.0%	1.6%	0.2%	-$102M	$101M	$259M
Sep '24	$388M	-$16M	0.0%	0.0%	-4.0%	-0.6%	$81M	$101M	$334M
Jun '24	$380M	$35M	0.0%	0.0%	9.0%	1.3%	$72M	$102M	$283M
Mar '24	$368M	$34M	0.0%	0.0%	9.2%	1.6%	$80M	$102M	$396M
Dec '23	$375M	$20M	0.0%	0.0%	5.9%	0.9%	-$810000	$102M	$397M
Sep '23	$360M	-$6M	0.0%	0.0%	-2.0%	-0.2%	$68M	$102M	$344M
Jun '23	$340M	$29M	0.0%	0.0%	8.5%	1.0%	$50M	$102M	$292M
Mar '23	$317M	$24M	0.0%	0.0%	7.5%	0.9%	-$51M	$103M	$330M
Dec '22	$330M	$25M	0.0%	0.0%	8.7%	0.9%	$101M	$103M	$389M
Sep '22	$313M	-$72M	0.0%	0.0%	-27.7%	-2.3%	-$3M	$103M	$307M
Jun '22	$292M	$7M	0.0%	0.0%	2.0%	0.3%	$251M	$103M	$317M
Mar '22	$287M	$18M	0.0%	0.0%	4.4%	1.0%	-$29M	$103M	$165M
Dec '21	$293M	-$48M	0.0%	0.0%	-11.2%	-2.3%	-$42M	$104M	$251M
Sep '21	$287M	$20M	0.0%	0.0%	4.1%	0.9%	$15M	—	$225M

Valuation over time

How the market has priced UVE against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.

The price-to-earnings ratio has fallen from 7.1× (Jan '24) to 6.8× (Sep '26).
The price-to-sales ratio has risen from 0.4× (Mar '23) to 0.8× (Sep '26).
The dividend yield has fallen from 4.7% (Mar '23) to 1.8% (Sep '26).

Price / earnings (P/E)

P/E

Price / sales (P/S)

P/S

Dividend yield (%)

Dividend yield %

Frequently asked questions

Is UVE growing its revenue and profit?

Over the past 5 years, UNIVERSAL INSURANCE HOLDINGS, INC.'s revenue has grown 8.4% per year, and net income grown 57.1% per year. These are computed facts, not advice.

How much debt does UVE have?

As of FY2025, UNIVERSAL INSURANCE HOLDINGS, INC. reported $100M of total debt against $409M of cash.

What is UVE's profit margin?

In FY2025, gross margin was —, operating margin —, and net margin 11.4%.

What is UVE's P/E ratio?

As of Sep '26, UNIVERSAL INSURANCE HOLDINGS, INC. traded at a price-to-earnings ratio of about 6.8× (market cap ÷ latest annual net income). The valuation charts above show how its P/E, P/S and dividend yield have moved with the share price. These are computed facts, not advice.

Where does this data come from?

All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.

Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.