ES
MARKETS / NYSE / UVE
NYSE · FIRE, MARINE & CASUALTY INSURANCE · LARGE CAP

Universal Insurance Holdings, Inc. UVE

17 fiscal years on record · USD · FY2025 reported
SEC FILINGS ONLY
Revenue · FY2025
$1.6B
▲ 5.5% vs FY2024
EPS · FY25
$6.32
Dividend / sh · FY25
$0.77
Payout · FY25
12%
ROE · FY25
39.6%
Net margin · FY25
11.4%
Dividend coverage
8.2×
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Result
USD 1.6B
Revenue, FY2025 · full 17-year series below
Revenue Net income
0.511.521.60.22009201220152018202120242025
0.511.521.60.22016201920222025

11 cents of every revenue dollar became profit this year.

Per share
USD 6.32
Diluted EPS, FY2025
EPS Dividend
2.557.50.776.322009201220152018202120242025
2.557.50.776.322016201920222025

Earnings covered the dividend 8.2 times — the rest stayed in the company.

Profitability
39.6%
Return on equity, FY2025
ROE
20406039.6%2009201220152018202120242025
20406039.6%2016201920222025
Operating margin15.2%
Net margin11.4%
Return on assets6.4%

Each USD of equity produced 40 cents of profit this year.

Returned to shareholders
USD 44.5M
returned in FY2025 · dividends + net buybacks
Dividends paidUSD 22.2M
Net buybacksUSD 22.4M
Share of profit24.3%
Consecutive raises—

USD 22.2M in dividends and USD 22.4M in buybacks — 24% of the year's profit went back to shareholders.

Growth
+8.4% a year
revenue, compounded over five years
CAGR
3 yrs
5 yrs
10 yrs
15 yrs
Revenue
+9.5%
+8.4%
+11.4%
+13.5%
Net income
+57.1%
+5.6%
+11.2%
EPS, diluted
+60.1%
+7.8%
+13.8%
Dividend / share
+0.0%
+0.0%
+2.0%
+6.0%
Returned to shareholders
+7.9%
−3.6%
+1.0%
+8.8%

Compound annual rates per period — left blank where the series crosses a loss.

Share base
0.03B
Shares outstanding, FY2025
0.040.032009201220152018202120242025
0.040.032016201920222025
Change, 5 years−10.0%
Change, 10 years−20.2%

The share count shrank 10% in five years — the same company, cut into fewer, larger slices.

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Balance sheet
USD 2.8B
total assets, end of FY2025
Total assetsUSD 2.8B
EquityUSD 551.0M
CashUSD 408.9M
Gross debtUSD 100.5M
Net debtUSD -308.4M

The company holds more cash than debt.

History
17 fiscal years
Every figure from documents filed with the SEC · USD
Metric
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
2014
2013
2012
2011
2010
2009
Revenue $B
1.6
1.5
1.4
1.2
1.1
1.1
0.9
0.8
0.8
0.7
0.5
0.4
0.3
0.3
0.2
0.2
0.2
Operating income $B
0.2
0.1
0.1
−0.0
0.0
0.0
0.1
0.2
0.2
0.2
0.2
0.1
0.1
·
·
·
·
EBITDA $B
0.2
0.1
0.1
−0.0
0.0
0.0
0.1
0.2
0.2
0.2
0.2
·
0.1
·
·
·
·
Income tax $B
0.1
0.0
0.0
−0.0
0.0
0.0
0.0
0.0
0.1
0.1
0.1
0.1
0.0
0.0
0.0
0.0
0.0
Net income $B
0.2
0.1
0.1
−0.0
0.0
0.0
0.0
0.1
0.1
0.1
0.1
0.1
0.1
0.0
0.0
0.0
0.0
EPS, diluted $
6.32
2.01
2.22
−0.72
0.65
0.60
1.36
3.27
2.99
2.79
2.97
2.08
1.56
0.75
0.50
0.91
0.71
Dividend / sh $
0.77
0.77
0.77
0.77
0.77
0.77
0.77
0.73
0.69
0.69
0.63
0.55
0.49
0.46
0.32
0.32
0.54
Payout %
12
38
35
−107
119
128
56
22
22
24
21
26
30
62
63
34
71
ROE %
39.6
16.5
21.2
−6.2
4.6
4.1
9.3
24.9
26.4
29.9
43.2
38.9
34.8
19.3
13.9
29.2
25.4
Shares out B
0.03
0.03
0.03
0.03
0.03
0.03
0.03
0.03
0.03
0.04
0.04
0.04
0.04
0.04
0.04
0.04
·

Slide the table for earlier years · "·" marks figures not disclosed in the filing for that year.

How we verifyAUDITED
33 of 33
checks passed before publication
EPS recomputationBalance-sheet identityGross profitBalance-sheet liquidity

Every figure was compared against the original statement: 0 failures and 0 presentation gaps.

What we don’t show

We’d rather say what’s missing than fill the gap with an estimate.

P/E rationeeds a market quote — not yet licensed
Market capitalizationneeds a market quote — not yet licensed
Dividend yieldneeds a market quote — not yet licensed
Price-to-bookneeds a market quote — not yet licensed