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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 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
-$22M $791M $2B $0 2011 2013 2015 2017 2019 2021 2023 2025
RevenueNet income
Margins (gross / operating / net)
-2% 9% 20% 0% 2011 2013 2015 2017 2019 2021 2023 2025
GrossOperatingNet
Free cash flow (CFO − capex)
$0 $189M $377M 2011 2013 2015 2017 2019 2021 2023 2025
Free cash flow
Cash vs total debt
$0 $204M $409M 2011 2013 2015 2017 2019 2021 2023 2025
CashTotal debt
Cash flow: operating / investing / financing
-$353M $14M $381M $0 2011 2013 2015 2017 2019 2021 2023 2025
OperatingInvestingFinancing

Key annual figures

FYRevenueNet incomeGross MOp MFCFTotal debtCash
2025 $1.6B $183M 0.0% 0.0% $377M $100M $409M
2024 $1.5B $59M 0.0% 0.0% $130M $101M $259M
2023 $1.4B $67M 0.0% 0.0% $67M $102M $397M
2022 $1.2B -$22M 0.0% 0.0% $320M $103M $389M
2021 $1.1B $20M 0.0% 0.0% $227M $104M $251M
2020 $1.1B $19M 0.0% 0.0% $12M $8M $167M
2019 $939M $47M 0.0% 0.0% $73M — $182M
2018 $824M $117M 0.0% 0.0% $223M $11M $166M
2017 $752M $107M 0.0% 0.0% $240M $13M $213M
2016 $685M $99M 0.0% 0.0% — $15M $106M
2015 $547M $106M 0.0% 0.0% — $24M $197M
2014 $369M $73M 0.0% 0.0% — $31M $115M
2013 $301M $59M 0.0% 0.0% $156M $37M $117M
2012 $270M $30M 0.0% 0.0% $140M $20M $347M
2011 $226M $20M 0.0% 0.0% $110M $22M $230M

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.

Price / earnings (P/E)
0.0 7.8 15.7 Mar '23 Aug '23 Jan '24 Jun '24 Nov '24 Apr '25 Sep '25 Feb '26
P/E
Price / sales (P/S)
0.0 0.3 0.7 Mar '23 Aug '23 Jan '24 Jun '24 Nov '24 Apr '25 Sep '25 Feb '26
P/S
Dividend yield (%)
0.0 3.4 6.7 Mar '23 Aug '23 Jan '24 Jun '24 Nov '24 Apr '25 Sep '25 Feb '26
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 Jun '26, UNIVERSAL INSURANCE HOLDINGS, INC. traded at a price-to-earnings ratio of about 6.0× (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.