UVE
Universal Insurance Holdings Inc
NYSE: UVE · FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY
$39.63
+1.15% today
Updated 2026-04-30
Market cap
$1.15B
P/E ratio
6.00
P/S ratio
0.72x
EPS (TTM)
$6.88
Dividend yield
1.58%
52W range
$22 – $42
Volume
0.2M
Universal Insurance Holdings Inc (UVE) Financial statements
SEC filings — annual and quarterly data.
Income statement — annual
| Item | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $65.15M | $188.51M | $182.67M | $210.64M | $239.92M | $225.86M | $269.94M | $301.16M | $369.28M | $546.54M | $685.29M | $751.92M | $823.82M | $939.35M | $1.07B | $1.12B | $1.22B | $1.39B | $1.52B | $1.60B |
| Revenue growth (YoY) | — | +189.4% | -3.1% | +15.3% | +13.9% | -5.9% | +19.5% | +11.6% | +22.6% | +48.0% | +25.4% | +9.7% | +9.6% | +14.0% | +14.2% | +4.6% | +9.0% | +13.8% | +9.3% | +4.9% |
| Cost of revenue | $24.94M | $59.80M | $81.34M | $106.13M | $113.36M | $124.31M | $126.19M | $108.61M | $123.28M | $275.96M | $427.21M | $489.27M | $571.78M | $780.94M | $957.91M | $1.01B | $1.15B | $1.20B | $1.32B | $985.88M |
| Gross profit | $40.21M | $128.71M | $101.33M | $104.51M | $126.57M | $101.55M | $143.75M | $192.54M | $246.00M | $270.59M | $258.08M | $262.64M | $252.03M | $158.41M | $114.86M | $116.48M | $70.00M | $190.94M | $199.73M | $609.72M |
| Gross margin | 61.7% | 68.3% | 55.5% | 49.6% | 52.8% | 45.0% | 53.3% | 63.9% | 66.6% | 49.5% | 37.7% | 34.9% | 30.6% | 16.9% | 10.7% | 10.4% | 5.7% | 13.7% | 13.1% | 38.2% |
| R&D | — | — | — | — | — | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | — | — | — | — | — | — | — | — |
| SG&A | $13.49M | $39.17M | $35.32M | $58.35M | $64.29M | $67.83M | $91.19M | $91.99M | $118.40M | $95.56M | $95.20M | $92.16M | $99.16M | $94.90M | $90.53M | $87.43M | $90.64M | $96.06M | $108.64M | $117.21M |
| Operating income | $26.72M | $89.55M | $66.01M | $46.16M | $62.28M | $33.72M | $52.56M | $100.56M | $127.60M | $175.02M | $162.88M | $170.48M | $152.87M | $63.52M | $24.23M | $28.41M | $-27.25M | $88.35M | $84.61M | $243.07M |
| Operating margin | 41.0% | 47.5% | 36.1% | 21.9% | 26.0% | 14.9% | 19.5% | 33.4% | 34.6% | 32.0% | 23.8% | 22.7% | 18.6% | 6.8% | 2.3% | 2.5% | -2.2% | 6.3% | 5.6% | 15.2% |
| EBITDA | $27.08M | $89.92M | $66.49M | $46.65M | $63.11M | $34.36M | $53.40M | $101.57M | $128.80M | $177.06M | $166.13M | $174.54M | $157.69M | $68.47M | $29.43M | $35.91M | $-14.04M | $101.48M | $96.50M | $256.56M |
| EBITDA margin | 41.6% | 47.7% | 36.4% | 22.1% | 26.3% | 15.2% | 19.8% | 33.7% | 34.9% | 32.4% | 24.2% | 23.2% | 19.1% | 7.3% | 2.7% | 3.2% | -1.1% | 7.3% | 6.3% | 16.1% |
| EBIT | $26.72M | $89.55M | $66.01M | $46.16M | $62.28M | $33.72M | $52.56M | $100.56M | $127.60M | $175.02M | $162.88M | $170.48M | $152.87M | $63.52M | $24.33M | $29.00M | $-21.34M | $94.17M | $90.38M | $249.49M |
| Interest expense | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $348000.00 | $346000.00 | $248000.00 | $95000.00 | $582000.00 | $5.91M | $5.82M | $5.77M | $4.83M |
| Income tax | $9.48M | $35.55M | $25.97M | $17.38M | $25.29M | $13.61M | $22.25M | $41.58M | $54.62M | $68.54M | $63.47M | $63.55M | $35.82M | $17.00M | $5.13M | $8.01M | $-4.99M | $21.53M | $25.68M | — |
| Effective tax rate | 35.5% | 39.7% | 39.3% | 37.6% | 40.6% | 40.4% | 42.3% | 41.3% | 42.8% | 39.2% | 39.0% | 37.3% | 23.4% | 26.8% | 21.2% | 28.2% | 18.3% | 24.4% | 30.4% | 0.0% |
| Net income | $17.19M | $54.00M | $40.04M | $28.79M | $36.98M | $20.11M | $30.31M | $58.98M | $72.99M | $106.48M | $99.41M | $106.94M | $117.05M | $46.51M | $19.11M | $20.41M | $-22.26M | $66.82M | $58.93M | $182.95M |
| Net income growth (YoY) | — | +214.2% | -25.9% | -28.1% | +28.5% | -45.6% | +50.7% | +94.6% | +23.8% | +45.9% | -6.6% | +7.6% | +9.5% | -60.3% | -58.9% | +6.8% | -209.1% | +400.2% | -11.8% | +210.5% |
| Profit margin | 26.4% | 28.6% | 21.9% | 13.7% | 15.4% | 8.9% | 11.2% | 19.6% | 19.8% | 19.5% | 14.5% | 14.2% | 14.2% | 5.0% | 1.8% | 1.8% | -1.8% | 4.8% | 3.9% | 11.5% |