Universal Insurance Holdings (UVE) earnings

UNIVERSAL INSURANCE HOLDINGS, INC.· Financials

Results to: Jun 2026
Latest analysed call: Sep 2026 (Q3 FY26)
Balance sheet to: Dec 2025

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Universal Insurance Holdings earnings: last reported Fri, 23 Oct 2026, for the quarter ended Sep 2026.

Reported

The figures, each with its period

Each figure keeps its basis and period; nothing is filled in.

Metric	Value	Change	Basis	Period	Note
Revenue	427 $ million	+6.7% YoY	Quarterly, as filed	Quarter to Jun 2026	Revenue from operations as filed.
Operating margin	Unavailable	—	Operating profit / revenue	Quarter to Jun 2026	Not in the filed figures for the quarter to jun 2026. No older figure is substituted.
Net profit	59.2 $ million	+68.7% YoY	Quarterly, as filed	Quarter to Jun 2026	Profit after tax as filed.

Source: Inve data from filed results (SEC filings) · to Jun 2026

Price

$48.84 +0.91% · +$0.44

Last close Oct 23, 2026 · US · USD · Source: Inve

Performance +70.7% 1Y

1Y: $28.61 on 22 Oct 2025 → $48.84. High $48.84 (23 Oct 2026), low $28.61 (22 Oct 2025).

Previous close: $48.4
52-week range: $28.61 – $48.84
One year: +70.59%

Overview

Symbol: UVE
Sector: Financials
Exchange: US
Currency: USD

Financials

What the filings say

Net profit, year on year: +69% (quarter to jun 2026 against jun 2025).

In $ million. Oldest period first.

Line item	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Sales	388	385	395	400	401	408	394	427
Interest	2	—	—	—	—	—	—	—
Profit before tax	-18	7	55	46	53	88	72	80
Tax rate	10.8%	18.1%	25.3%	24.4%	24.5%	24.7%	24.3%	25.7%
Net profit	-16	6	41	35	40	67	54	59
EPS ($ per share)	-0.57	0.21	1.48	1.25	1.43	2.40	1.96	2.14

Source: Inve data · income statement, quarterly · to Jun 2026

In $ million. Oldest period first.

Line item	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Equity capital	0	0	0	0	0	0	0	0
Reserves	553	574	568	564	517	561	597	757
Total liabilities	1,357	1,226	1,309	1,626	2,602	1,975	2,469	2,289
Fixed assets	35	41	54	54	51	48	49	49
Total assets	1,858	1,720	1,759	2,056	2,890	2,317	2,842	2,840

Source: Inve data · balance sheet · to Dec 2025

In $ million. Oldest period first.

Line item	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Cash from operations	230	85	29	234	325	71	137	381
Cash from investing	-212	28	22	-229	-149	-15	-228	-114
Cash from financing	-65	-97	-56	68	-37	-47	-47	-52
Net cash flow	-47	16	-5	73	138	9	-138	216
Capital expenditure	-7	-11	-17	-7	-5	-4	-7	-4
Free cash flow	223	73	12	227	320	67	130	377

Source: Inve data · cash flow · to Dec 2025

UVE operating KPIs by quarter

UVE operating KPIs stated on its earnings calls, by fiscal quarter
KPI	Jun 2026 Q2 FY26	Sep 2026 Q3 FY26	Change vs prior quarter
Combined ratio	91.6% The net combined ratio is 91.6%, down 6.2 points compared to the prior year quarter. Source: earnings call transcript	91% The net combined ratio was 91%, down 5.4 points compared to the prior year quarter. Source: earnings call transcript	-0.6 pt

Operating figures the company stated on at least two of the calls shown, checked against each call's transcript. Click a figure to read the sentence. A dash means it was not stated that quarter.

Insider filings

65 filings between Oct 29, 2025 and Sep 11, 2026.

Open market

decisions to buy or sell

Purchases

None

No insider bought shares.

Sales

$10.96M

23 sales by 6 insiders

Compensation

not trading decisions

11: Award — granted as compensation
10: Option exercise — converted options into shares
18: Tax withheld — shares kept back by the company to cover tax

Also filed: 3 gifts.

Who traded

open market only

Insider	Bought	Sold	Last filing
DOWNES SEAN P	—	$6.76M	Sep 11, 2026
Springer Jon	—	$1.95M	Nov 14, 2025
Donaghy Stephen	—	$1.70M	Dec 30, 2025
PIETRANGELO MICHAEL	—	$295.4K	May 13, 2026
PETERSON RICHARD D	—	$130.6K	Mar 30, 2026
Campos Kimberly D	—	$122.5K	Mar 31, 2026

Latest filings (50)

Date	Insider	What	Shares	Value
Sep 11, 2026	DOWNES SEAN P Executive Chairman	Sale	20,000	$879.6K
Aug 5, 2026	DOWNES SEAN P Executive Chairman	Sale	20,000	$885.4K
Jul 28, 2026	DOWNES SEAN P Executive Chairman	Tax withheld	23,610	$1.04M
Jun 11, 2026	Callahan Scott P. Director	Award	3,414	$0
Jun 11, 2026	Gordon Marlene Director	Award	3,414	$0
Jun 11, 2026	Brown Shannon A Director	Award	3,414	$0
Jun 11, 2026	PIETRANGELO MICHAEL Director	Award	3,414	$0
Jun 11, 2026	McCahill Francis Xavier III Director	Award	3,414	$0
Jun 11, 2026	PETERSON RICHARD D Director	Award	3,414	$0
Jun 11, 2026	Barton Carol G Director	Award	3,414	$0
Jun 11, 2026	SCHINDLER OZZIE A Director	Award	3,414	$0
Jun 11, 2026	DOWNES SEAN P Executive Chairman	Sale	20,000	$764.3K
Jun 11, 2026	Springer Jon Director	Award	3,414	$0
May 15, 2026	DOWNES SEAN P Executive Chairman	Sale	482	$19.0K
May 15, 2026	DOWNES SEAN P Executive Chairman	Sale	19,518	$755.6K
May 13, 2026	PIETRANGELO MICHAEL Director	Sale	4,500	$176.8K
May 12, 2026	PIETRANGELO MICHAEL Director	Sale	3,000	$118.6K
Apr 29, 2026	DOWNES SEAN P Executive Chairman	Sale	11,919	$467.8K
Apr 29, 2026	DOWNES SEAN P Executive Chairman	Sale	2,244	$92.0K
Apr 29, 2026	DOWNES SEAN P Executive Chairman	Sale	5,837	$234.0K
Mar 31, 2026	Campos Kimberly D CIO & CAO	Sale	946	$32.3K
Mar 30, 2026	Donaghy Stephen CEO	Tax withheld	6,286	$214.7K
Mar 30, 2026	DOWNES SEAN P Executive Chairman	Tax withheld	3,592	$122.7K
Mar 30, 2026	PETERSON RICHARD D Director	Sale	2,000	$68.2K
Mar 27, 2026	Campos Kimberly D CIO & CAO	Option exercise	1,251	$0
Mar 27, 2026	Donaghy Stephen CEO	Tax withheld	5,745	$193.4K
Mar 27, 2026	Donaghy Stephen CEO	Option exercise	14,598	$0
Mar 27, 2026	Wilcox Frank CFO	Option exercise	2,503	$0
Mar 27, 2026	Wilcox Frank CFO	Tax withheld	610	$20.5K
Mar 27, 2026	Campos Kimberly D CIO & CAO	Tax withheld	305	$10.3K
Mar 27, 2026	DOWNES SEAN P Executive Chairman	Tax withheld	3,283	$110.5K
Mar 27, 2026	DOWNES SEAN P Executive Chairman	Option exercise	8,342	$0
Mar 26, 2026	Campos Kimberly D CIO & CAO	Sale	879	$29.7K
Mar 25, 2026	DOWNES SEAN P Executive Chairman	Sale	20,000	$692.1K
Mar 19, 2026	Campos Kimberly D CIO & CAO	Option exercise	1,163	$0
Mar 19, 2026	Campos Kimberly D CIO & CAO	Tax withheld	284	$9.3K
Mar 19, 2026	DOWNES SEAN P Executive Chairman	Tax withheld	5,034	$165.6K
Mar 19, 2026	DOWNES SEAN P Executive Chairman	Option exercise	12,791	$0
Mar 19, 2026	Donaghy Stephen CEO	Tax withheld	5,339	$175.6K
Mar 19, 2026	Donaghy Stephen CEO	Option exercise	13,566	$0
Mar 19, 2026	Wilcox Frank CFO	Tax withheld	567	$18.6K
Mar 19, 2026	Wilcox Frank CFO	Option exercise	2,326	$0
Mar 3, 2026	Campos Kimberly D CIO & CAO	Sale	1,710	$60.5K
Feb 24, 2026	DOWNES SEAN P Executive Chairman	Award	27,382	$0
Feb 24, 2026	Donaghy Stephen CEO	Tax withheld	14,213	$429.7K
Feb 24, 2026	Donaghy Stephen CEO	Award	47,919	$0
Feb 24, 2026	DOWNES SEAN P Executive Chairman	Tax withheld	6,863	$207.5K
Dec 30, 2025	DOWNES SEAN P Executive Chairman	Gift	30,000	$0
Dec 30, 2025	DOWNES SEAN P Executive Chairman	Gift	30,000	$0
Dec 30, 2025	DOWNES SEAN P Executive Chairman	Gift	15,000	$0

Source: SEC Form 4 filings. Form 4 reports transactions, not the cap table — absence of filings says nothing about how much an insider owns, and a quiet window is not a signal.

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