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 Nov 1, 2026, 10:32 UTC 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
Sep '26	$439M	$53M	0.0%	0.0%	8.1%	1.6%	$82M	$97M	$569M
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

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 risen from 7.0× (Jan '24) to 7.4× (Nov '26).
The price-to-sales ratio has risen from 0.4× (Mar '23) to 0.8× (Nov '26).
The dividend yield has fallen from 4.7% (Mar '23) to 1.6% (Nov '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?

UNIVERSAL INSURANCE HOLDINGS, INC.'s P/E (TTM) is 5.83 as of the 2026-11-02 close — market cap ÷ net income over the trailing twelve months where four consecutive quarters are reported, otherwise the latest fiscal year, the same figure as on the UVE stock page. The valuation chart above sets each month-end's price against the latest annual net income instead, so its latest point (about 7.4× as of Nov '26) can differ. 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), split-adjusted; price return — dividends not reinvested · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.