Security
UNIVERSAL INSURANCE HLDG, INC. · UVE
UVENYSECommon stockCurrentCIK 891166Updated Nov 4, 2026
Name history
UNIVERSAL INSURANCE HOLDINGS, INC. · through Nov 3, 2026UNIVERSAL INSURANCE HOLDINGS INC · through Feb 1, 2007UNIVERSAL HEIGHTS INC · through Nov 13, 2000
UVE price & chart
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NYSE:UVE on TradingView ↗About the company
Universal Insurance Holdings, Inc. (NYSE: UVE) is a holding company providing property and casualty insurance and value-added insurance services. We develop, market, and write insurance products for consumers in the personal residential homeowners lines of business and perform substantially all other insurance-related services for our primary insurance entities, including risk management, claims management and distribution. We provide insurance products in the United States through both our appointed independent agents and our direct online distribution channels. Learn more at universalinsuranceholdings.com or get an insurance quote at Clovered.com.
In the news
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Recent filings
10-Q filing
Results of Operations and Financial Condition
Items 2.02, 9.01
424B3 filing
EFFECT filing
144 filing
Show 5 more recent filings
Financials
FY 2025 · USDSource
Source
Source
Source
Source
balance sheet · annual statements
| Line item | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q2 2024 | Q1 2026 | Q1 2025 | Q1 2024 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ASSETS | ||||||||||||
| AssetsUSD | 3,089,645,000Source | 2,650,518,000Source | 3,306,164,000Source | 3,275,818,000Source | 2,678,535,000Source | 2,769,389,000Source | 2,714,716,000Source | 2,120,144,000Source | 2,839,695,000Source | 2,841,861,000Source | 2,316,561,000Source | 2,890,154,000Source |
| Property, Plant and Equipment, NetUSD | 49,931,000Source | 49,358,000Source | 48,640,000Source | 47,679,000Source | 49,306,000Source | 49,346,000Source | 48,258,000Source | 49,416,000Source | 49,349,000Source | 48,653,000Source | 47,628,000Source | 51,404,000Source |
| Current assets: | ||||||||||||
| Cash and Cash Equivalents, at Carrying ValueUSD | 405,114,000Source | 333,678,000Source | 532,160,000Source | 367,108,000Source | 283,264,000Source | 595,771,000Source | 398,184,000Source | 396,323,000Source | 408,868,000Source | 259,441,000Source | 397,306,000Source | 388,706,000Source |
| LIABILITIES AND EQUITY | ||||||||||||
| LiabilitiesUSD | 2,594,602,000Source | 2,250,273,000Source | 2,669,009,000Source | 2,818,010,000Source | 2,285,298,000Source | 2,184,645,000Source | 2,292,329,000Source | 1,755,480,000Source | 2,288,660,000Source | 2,468,611,000Source | 1,975,264,000Source | 2,602,258,000Source |
| Stockholders’ equity: | ||||||||||||
| Preferred Stock, Value, IssuedUSD | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source |
| Common Stock, Value, IssuedUSD | 481,000Source | 472,000Source | 483,000Source | 476,000Source | 472,000Source | 483,000Source | 476,000Source | 472,000Source | 482,000Source | 475,000Source | 472,000Source | 472,000Source |
| Additional Paid in CapitalUSD | 124,063,000Source | 121,003,000Source | 127,300,000Source | 123,919,000Source | 118,795,000Source | 123,910,000Source | 121,875,000Source | 116,239,000Source | 124,319,000Source | 121,781,000Source | 115,086,000Source | 112,509,000Source |
| Retained Earnings (Accumulated Deficit)USD | 699,448,000Source | 599,340,000Source | 861,643,000Source | 664,315,000Source | 620,230,000Source | 807,080,000Source | 633,801,000Source | 589,585,000Source | 757,449,000Source | 596,853,000Source | 560,690,000Source | 517,455,000Source |
| Stockholders' Equity Attributable to ParentUSD | 495,043,000Source | 400,245,000Source | 637,155,000Source | 457,808,000Source | 393,237,000Source | 584,744,000Source | 422,387,000Source | 364,664,000Source | 551,035,000Source | 373,250,000Source | 341,297,000Source | 287,896,000Source |
| Liabilities and EquityUSD | 3,089,645,000Source | 2,650,518,000Source | 3,306,164,000Source | 3,275,818,000Source | 2,678,535,000Source | 2,769,389,000Source | 2,714,716,000Source | 2,120,144,000Source | 2,839,695,000Source | 2,841,861,000Source | 2,316,561,000Source | 2,890,154,000Source |
| Additional Financial Items | ||||||||||||
| AOCI, Debt Securities, Available-for-sale, Adjustment, after TaxUSD | -30,755,000Source | -45,593,000Source | -35,520,000Source | -40,782,000Source | -75,718,000Source | -34,516,000Source | -51,072,000Source | -76,714,000Source | -26,151,000Source | -63,166,000Source | -74,172,000Source | -103,782,000Source |
| Long-term DebtUSD | 100,671,000Source | 101,434,000Source | 97,852,000Source | 100,862,000Source | 101,625,000Source | 100,290,000Source | 101,053,000Source | 101,815,000Source | 100,481,000Source | 101,243,000Source | 102,006,000Source | 102,769,000Source |
cash flow · annual statements
| Line item | Q4 2025 | Q4 2024 | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q1 2026 | Q1 2025 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash flows from operating activities: | ||||||||||||
| Adjustments to reconcile net income to net cash provided by operating activities: | ||||||||||||
| Depreciation and amortization | — | — | — | — | — | — | — | — | —Source | —Source | —Source | —Source |
| Share-based Payment Arrangement, Noncash ExpenseUSD | — | — | — | — | — | — | — | — | 8,652,000Source | 8,117,000Source | 2,916,000Source | 4,727,000Source |
| Deferred Income Tax Expense (Benefit)USD | — | — | — | — | — | — | — | — | 2,570,000Source | -2,570,000Source | 4,409,000Source | -12,126,000Source |
| Net Cash Provided by (Used in) Operating ActivitiesUSD | — | — | — | — | — | — | 154,822,000Source | 186,769,000Source | 381,493,000Source | 137,358,000Source | 70,971,000Source | 324,515,000Source |
| Cash flows from investing activities: | ||||||||||||
| Net Cash Provided by (Used in) Investing ActivitiesUSD | — | — | — | — | — | — | -20,116,000Source | -41,548,000Source | -113,608,000Source | -228,092,000Source | -15,251,000Source | -148,861,000Source |
| Payments to Acquire Property, Plant, and EquipmentUSD | — | — | — | — | — | — | 1,580,000Source | 1,227,000Source | 4,438,000Source | 7,368,000Source | 4,019,000Source | 4,899,000Source |
| Cash flows from financing activities: | ||||||||||||
| Payment, Tax Withholding, Share-based Payment ArrangementUSD | — | — | — | — | — | — | 1,714,000Source | 1,267,000Source | 6,107,000Source | 1,420,000Source | 339,000Source | 418,000Source |
| Payments for Repurchase of Common StockUSD | — | — | — | — | — | — | 7,149,000Source | 0Source | 22,370,000Source | 21,914,000Source | 22,021,000Source | 11,643,000Source |
| Net Cash Provided by (Used in) Financing ActivitiesUSD | — | — | — | — | — | — | -14,138,000Source | -6,478,000Source | -52,123,000Source | -47,131,000Source | -47,120,000Source | -37,456,000Source |
| Payments of Ordinary Dividends, Common StockUSD | — | — | — | — | — | — | 4,904,000Source | 4,841,000Source | 22,165,000Source | 22,316,000Source | 23,279,000Source | 23,774,000Source |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate EffectUSD | — | — | — | — | — | — | 120,568,000Source | 138,743,000Source | 215,762,000Source | -137,865,000Source | 8,600,000Source | 138,198,000Source |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash EquivalentsUSD | — | — | 474,224,000Source | 402,313,000Source | 600,795,000Source | 435,743,000Source | 598,406,000Source | 400,819,000Source | 477,838,000Source | 262,076,000Source | 399,941,000Source | 391,341,000Source |
| Supplemental disclosure of cash flow information: | ||||||||||||
| Interest Paid, Excluding Capitalized Interest, Operating ActivitiesUSD | — | — | — | — | — | — | — | — | 5,714,000Source | 5,768,000Source | 5,823,000Source | 5,797,000Source |
| Income Taxes Paid, NetUSD | — | — | — | — | — | — | — | — | 35,556,000Source | — | — | — |
| Additional Financial Items | ||||||||||||
| Share-based Payment Arrangement, ExpenseUSD | — | — | — | — | — | — | — | — | 9,431,000Source | 8,627,000Source | 5,006,000Source | 4,727,000Source |
| Amortization of Debt Issuance CostsUSD | — | — | 177,000Source | 177,000Source | 466,000Source | 177,000Source | 177,000Source | 177,000Source | 708,000Source | 708,000Source | 708,000Source | 703,000Source |
| Debt and Equity Securities, Realized Gain (Loss)USD | — | — | -345,000Source | -1,146,000Source | 1,257,000Source | 5,280,000Source | 734,000Source | -14,000Source | 5,698,000Source | -1,315,000Source | -1,229,000Source | 348,000Source |
| Debt Securities, Available-for-sale, Allowance for Credit Loss, Not Previously RecordedUSD | — | — | — | — | — | — | — | — | -386,000Source | 452,000Source | -354,000Source | 431,000Source |
| Debt Securities, Available-for-sale, Realized Gain (Loss)USD | — | — | — | — | — | — | — | — | 5,698,000Source | -1,315,000Source | -1,229,000Source | 348,000Source |
| Deferred Policy Acquisition Costs, Amortization ExpenseUSD | — | — | 62,681,000Source | 58,111,000Source | 65,627,000Source | 60,930,000Source | 63,412,000Source | 59,456,000Source | 246,778,000Source | 228,332,000Source | 210,955,000Source | 217,235,000Source |
| DepreciationUSD | — | — | 50,000Source | 49,000Source | 52,000Source | 75,000Source | 51,000Source | 75,000Source | 250,000Source | 208,000Source | 186,000Source | — |
| Depreciation, Amortization and Accretion, NetUSD | — | — | — | — | — | — | — | — | 6,444,000Source | 6,117,000Source | 7,313,000Source | 7,296,000Source |
| Equity Securities, FV-NI, Unrealized Gain (Loss)USD | — | — | 1,296,000Source | 7,299,000Source | 6,400,000Source | -6,061,000Source | -5,331,000Source | 10,000Source | -1,177,000Source | 9,936,000Source | 12,046,000Source | -13,145,000Source |
| Gains (Losses) on Sales of Investment Real EstateUSD | — | — | — | — | — | — | — | — | — | — | 0Source | 0Source |
| Income Tax Expense (Benefit)USD | — | — | 12,947,000Source | -1,960,000Source | 20,427,000Source | 11,293,000Source | 17,401,000Source | 14,017,000Source | 60,118,000Source | 25,683,000Source | 21,526,000Source | -4,990,000Source |
| Liability for Unpaid Claims and Claims Adjustment Expense, Incurred ClaimsUSD | — | — | 252,279,000Source | 316,955,000Source | 244,562,000Source | 260,305,000Source | 228,096,000Source | 250,555,000Source | 985,878,000Source | 1,087,366,000Source | 992,636,000Source | 938,399,000Source |
| Net Income (Loss) Attributable to ParentUSD | — | — | 39,830,000Source | -16,163,000Source | 59,188,000Source | 35,093,000Source | 54,291,000Source | 41,439,000Source | 182,951,000Source | 58,928,000Source | 66,823,000Source | -22,257,000Source |
| Net Income (Loss) Available to Common Stockholders, BasicUSD | — | — | 39,827,000Source | -16,166,000Source | 59,186,000Source | 35,091,000Source | 54,288,000Source | 41,436,000Source | 182,941,000Source | 58,918,000Source | 66,813,000Source | -22,267,000Source |
| Proceeds from Issuance of Long-term DebtUSD | — | — | — | — | — | — | — | — | — | — | 0Source | 0Source |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-saleUSD | — | — | — | — | — | — | 46,299,000Source | 32,075,000Source | 190,775,000Source | 107,082,000Source | 109,082,000Source | 68,970,000Source |
| Unrealized Gain (Loss) on InvestmentsUSD | — | — | — | — | — | — | — | — | — | — | 3,723,000Source | -13,197,000Source |
| InterestExpenseNonoperating | — | — | — | —Source | — | — | — | — | — | — | — | — |
income statement · annual statements
| Line item | Q4 2025 | Q4 2024 | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q1 2026 | Q1 2025 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total RevenueUSD | — | — | 400,981,000Source | 387,554,000Source | 427,033,000Source | 400,141,000Source | 393,565,000Source | 394,867,000Source | 1,603,915,000Source | 1,520,536,000Source | 1,391,582,000Source | 1,222,658,000Source |
| Selling, General and Administrative ExpenseUSD | — | — | — | 87,103,000Source | — | — | — | 87,244,000Source | — | 342,083,000Source | 304,066,000Source | 304,897,000Source |
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling InterestUSD | — | — | 52,777,000Source | -18,123,000Source | 79,615,000Source | 46,386,000Source | 71,692,000Source | 55,456,000Source | 243,069,000Source | 84,611,000Source | 88,349,000Source | -27,247,000Source |
| Income Tax Expense (Benefit)USD | — | — | 12,947,000Source | -1,960,000Source | 20,427,000Source | 11,293,000Source | 17,401,000Source | 14,017,000Source | 60,118,000Source | 25,683,000Source | 21,526,000Source | -4,990,000Source |
| Net Income (Loss) Attributable to ParentUSD | — | — | 39,830,000Source | -16,163,000Source | 59,188,000Source | 35,093,000Source | 54,291,000Source | 41,439,000Source | 182,951,000Source | 58,928,000Source | 66,823,000Source | -22,257,000Source |
| Earnings Per Share, BasicUSD per share | — | — | 1.43Source | -0.57Source | 2.14Source | 1.25Source | 1.96Source | 1.48Source | 6.56Source | 2.07Source | 2.24Source | -0.72Source |
| Earnings Per Share, DilutedUSD per share | — | — | 1.38Source | -0.57Source | 2.04Source | 1.21Source | 1.88Source | 1.44Source | 6.32Source | 2.01Source | 2.22Source | -0.72Source |
| Weighted Average Number of Shares Outstanding, Basicshares | — | — | 27,851,000Source | 28,355,000Source | 27,618,000Source | 27,972,000Source | 27,651,000Source | 28,091,000Source | 27,890,000Source | 28,498,000Source | 29,829,000Source | 30,751,000Source |
| Weighted Average Number of Shares Outstanding, Dilutedshares | — | — | 28,808,000Source | 28,355,000Source | 29,043,000Source | 29,072,000Source | 28,831,000Source | 28,779,000Source | 28,956,000Source | 29,274,000Source | 30,147,000Source | 30,751,000Source |
| Additional Financial Items | ||||||||||||
| Benefits, Losses and ExpensesUSD | — | — | 346,601,000Source | 404,058,000Source | 345,423,000Source | 352,147,000Source | 320,278,000Source | 337,799,000Source | 1,354,424,000Source | 1,429,449,000Source | 1,296,702,000Source | 1,243,296,000Source |
| Common Stock, Dividends, Per Share, DeclaredUSD per share | — | — | 0.16Source | 0.16Source | 0.16Source | 0.16Source | 0.16Source | 0.16Source | 0.77Source | 0.77Source | 0.77Source | 0.77Source |
| Current Income Tax Expense (Benefit)USD | — | — | — | — | — | — | — | — | 57,548,000Source | 28,253,000Source | 17,117,000Source | 7,136,000Source |
| Debt and Equity Securities, Realized Gain (Loss)USD | — | — | -345,000Source | -1,146,000Source | 1,257,000Source | 5,280,000Source | 734,000Source | -14,000Source | 5,698,000Source | -1,315,000Source | -1,229,000Source | 348,000Source |
| Deferred Policy Acquisition Costs, Amortization ExpenseUSD | — | — | 62,681,000Source | 58,111,000Source | 65,627,000Source | 60,930,000Source | 63,412,000Source | 59,456,000Source | 246,778,000Source | 228,332,000Source | 210,955,000Source | 217,235,000Source |
| Depreciation, Depletion and Amortization, NonproductionUSD | — | — | — | — | — | — | — | — | 6,300,000Source | 6,200,000Source | 7,100,000Source | 7,100,000Source |
| Gains (Losses) on Sales of Investment Real EstateUSD | — | — | — | — | — | — | — | — | — | — | 0Source | 0Source |
| Interest ExpenseUSD | — | — | — | 1,619,000Source | — | — | — | — | — | — | 6,531,000Source | 6,609,000Source |
| Interest Expense, DebtUSD | — | — | 1,603,000Source | 1,619,000Source | 1,995,000Source | 1,608,000Source | 1,595,000Source | 1,612,000Source | 6,422,000Source | 6,476,000Source | — | — |
| Liability for Unpaid Claims and Claims Adjustment Expense, Incurred ClaimsUSD | — | — | 252,279,000Source | 316,955,000Source | 244,562,000Source | 260,305,000Source | 228,096,000Source | 250,555,000Source | 985,878,000Source | 1,087,366,000Source | 992,636,000Source | 938,399,000Source |
| Net Income (Loss) Available to Common Stockholders, BasicUSD | — | — | 39,827,000Source | -16,166,000Source | 59,186,000Source | 35,091,000Source | 54,288,000Source | 41,436,000Source | 182,941,000Source | 58,918,000Source | 66,813,000Source | -22,267,000Source |
| Net Investment IncomeUSD | — | — | 18,337,000Source | 15,406,000Source | 20,213,000Source | 17,258,000Source | 19,487,000Source | 16,060,000Source | 70,627,000Source | 59,148,000Source | 48,449,000Source | 25,785,000Source |
| Other Cost and Expense, OperatingUSD | — | — | 30,728,000Source | 28,438,000Source | 32,794,000Source | 29,964,000Source | 27,709,000Source | 26,670,000Source | 118,300,000Source | — | — | — |
| Other IncomeUSD | — | — | 2,030,000Source | 2,106,000Source | 2,071,000Source | 2,014,000Source | 2,060,000Source | 2,322,000Source | 8,316,000Source | 8,412,000Source | 7,441,000Source | 7,694,000Source |
| Preferred Stock Dividends, Income Statement ImpactUSD | — | — | 3,000Source | 3,000Source | 2,000Source | 2,000Source | 3,000Source | 3,000Source | 10,000Source | 10,000Source | 10,000Source | 10,000Source |
| Preferred Stock, Dividends Per Share, DeclaredUSD per share | — | — | 0.25Source | 0.25Source | 0.25Source | 0.25Source | 0.25Source | 0.25Source | 1Source | 1Source | 1Source | 1Source |
| Interest Expense (non-operating) | — | — | — | —Source | — | — | — | — | — | — | — | — |
Offerings
Registration 333-298826
Filing attachments
d77252dex991.htm · S-4 · 2026-09-09
Exhibit 99.1 UNIVERSAL INSURANCE HOLDINGS, INC. LETTER OF TRANSMITTAL To Tender for Exchange 7.75% Senior Unsecured Notes due 2031 CUSIP # 91359V AD9 (the “ Old Notes ”) for 7.75% Senior Unsecured Notes due 2031 that have been registered under the Securities Act of 1933 (the “ Securities Act ”) CUSIP # 91359V AF4 (the “ New Notes ”) PURSUANT TO THE PROSPECTUS DATED, 2026 THE EXCHANGE OFFER DESCRIBED HEREIN (THE “ EXCHANGE OFFER ”) WILL EXPIRE AT 5:00 P.M., EASTERN TIME, ON [•] UNLESS E…
Read attachment ↗d137403dex41.htm · 8-K · 2026-06-18
EX-4.1 2 d137403dex41.htm EX-4.1 EX-4.1 Exhibit 4.1 Universal Insurance Holdings, Inc. As Issuer, and UMB Bank National Association As Trustee INDENTURE Dated as of June 16, 2026 7.75% Senior Unsecured Notes due 2031 TABLE OF CONTENTS ARTICLE I. DEFINITIONS AND INCORPORATION BY REFERENCE 1 Section 1.01 Definitions 1 Section 1.02 Compliance Certificates and Opinions …
Read attachment ↗d124909dex41.htm · 8-K · 2026-06-05
EX-4.1 2 d124909dex41.htm EX-4.1 EX-4.1 Exhibit 4.1 FIRST SUPPLEMENTAL INDENTURE This First Supplemental Indenture (this “First Supplemental Indenture”), dated as of June 3, 2026, is entered into between Universal Insurance Holdings, Inc., a Delaware corporation (the “Company”), and UMB Bank National Association, as trustee (the “Trustee”). RECITALS WHEREAS, the Company and the Trustee have heretofore executed and delivered the Indenture, dated as of November 23, 2021 (the “Base Indentu…
Read attachment ↗ex991_reinsurancerenewal20.htm · 8-K · 2026-05-28
EX-99.1 2 ex991_reinsurancerenewal20.htm EX-99.1 Document Exhibit 99.1 Universal's Insurance Subsidiaries Complete 2026-2027 Reinsurance Program • Successfully secured a combined UPCIC and APPCIC catastrophe reinsurance program with no material changes to historical reinsurance partners or terms and conditions. • Added $352 million of multi-year coverage, extending through the 2027-2028 treaty period, most of which sits below the FHCF attachment point. • The largest private reinsurance …
Read attachment ↗ex991_reinsurancerenewal20.htm · 8-K · 2025-05-29
EX-99.01 2 ex991_reinsurancerenewal20.htm EX-99.01 Document Exhibit 99.1 Universal's Insurance Subsidiaries Complete 2025-2026 Reinsurance Program • Successfully secured a combined UPCIC and APPCIC catastrophe reinsurance program with no material changes to historical reinsurance partners or terms and conditions. • Added $352 million of multi-year coverage, extending through the 2026-2027 treaty period, most of which sits below the FHCF attachment point. • The largest private reinsuranc…
Read attachment ↗