UNIVERSAL INSURANCE HOLDINGS, INC. (UVE) Universal Insurance Holdings, Inc., together with its subsidiaries, operates as an integrated insurance holding company in the United States. The company offers insurance products for personal residential insurance, such as homeowners, renters and tenants, condo unit owners, and dwelling and fire; and allied lines, coverage for other structures, and personal property, liability, and personal articles coverages. It also advises on actuarial issues, oversees distribution, administers claims payments, performs policy administration and underwriting, and assists with reinsurance negotiations; evaluates insurance risk and exposures on an individual and portfolio basis and assists the insurance entities with pricing risks; places and manages its reinsurance programs; and operates its digital insurance agency, Clovered.com. It offers its products through its independent agency network, direct-to-consumer online distribution, and digital insurance agency platform. The company was formerly known as Universal Heights, Inc. and changed its name to Universal Insurance Holdings, Inc. in January 2001. Universal Insurance Holdings, Inc. was incorporated in 1990 and is headquartered in Fort Lauderdale, Florida.
Sector: Fire, Marine & Casualty Insurance
Industry: Insurance - Property & Casualty
Universal Insurance Holdings, Inc. NYSE:UVE Financial Services · Insurance - Property & Casualty
Mkt Cap $1.36B
Div Yield 1.58%
AH Close $48.84 +0.00% vs close
AH Close $48.84 +0.00% vs close
Mkt Cap $1.36B
Div Yield 1.58%
All Press Release SEC Filings News
Press Release ● Major ⚠ 3
Universal Reports Third Quarter 2026 Results
Universal Insurance Holdings reported Q3 2026 diluted EPS of $1.80, up 30.4% from $1.38 a year ago, with adjusted EPS of $1.93, up 41.9%.
Revenue rose 9.6% to $439.3 million and direct premiums written grew 2.7% to $608.9 million, as 18.5% growth in other states offset a 3.3% decline in Florida. The net combined ratio improved 5.4 points to 91.0%, helped by a new reinsurance program that cut the ceded premium ratio to 27.6%.
Book value per share climbed 32.4% YoY to $23.37, and the company repurchased ~174 thousand shares for $7.4 million in the quarter. Management noted claims from Hurricane Isaias, which struck after quarter end, have been less significant than initially anticipated.
• 3d ago AI analysis › Press Release
Universal Announces Third Quarter 2026 Earnings Dates
Universal Insurance Holdings will issue its Q3 2026 results press release after market close on Thursday, October 22, 2026.
A conference call to discuss the results is scheduled for Friday, October 23, 2026, at 10:00 a.m. ET, with a live webcast and online replay available via the company's investor site.
This is a scheduling notice only and contains no financial results or guidance.
• 17d ago AI analysis › SEC Filing ⚠ 7
UVE: S-4 · offering registration
Universal Insurance Holdings (NYSE: UVE) filed an S-4 to register an offer to exchange up to $100.0 million of new, SEC-registered 7.75% Senior Unsecured Notes due 2031 for its outstanding unregistered 7.75% Senior Unsecured Notes due 2031, which were issued in a private placement on June 16, 2026.
No cash proceeds will be received and outstanding indebtedness will not increase — the exchange simply satisfies UVE's obligations under the registration rights agreement signed with the initial purchasers, and the filing landed ahead of the October 14, 2026 contractual deadline, avoiding up to 0.50% per annum in additional interest.
For context, as of June 30, 2026 the company had roughly $3.31 billion in total assets, $637.2 million of stockholders' equity, and $100.4 million of total third-party debt, while reporting six-month revenue of $820.6 million and net income of $113.5 million; its $50.0 million JPMorgan Chase revolver was undrawn.
The notes mature June 30, 2031 and carry a 40% maximum leverage covenant, a 12-month interest reserve requirement, a 101% change-of-control put, and interest step-ups of 50-100 basis points tied to KBRA rating events.
SEC S-4 • 1mo ago SEC Filing ⚠ 3
UVE: 10-Q · periodic report
Universal Insurance Holdings, Inc. reported strong financial results for the six months ended June 30, 2026, with net income increasing 48% to $113.5 million compared to the prior year period. The company achieved a year-to-date combined ratio of 90.7%, a significant improvement from 96.4% in the same period of 2025, driven by a lower net loss ratio of 64.8%.
Operational performance benefited from a 6% year-over-year increase in direct premiums written and a 17% increase in net investment income. Total policies in force grew 7.1% to 934,371, supported by strategic growth in Florida and expansion into other states.
During the quarter, UVE completed a debt refinancing by issuing $100 million of 7.75% Senior Unsecured Notes due 2031 to redeem its 2026 Notes, extending its debt maturity profile. The company also secured a new $50 million revolving credit facility with JP Morgan Chase Bank, N.A.
SEC 10-Q • 2mo ago AI analysis › News
Universal Insurance Q2 Earnings Call Highlights
marketbeat.com • 3mo ago News
Universal Insurance Holdings, Inc. (UVE) Q2 2026 Earnings Call Transcript
seekingalpha.com • 3mo ago News
UVE Q2 Earnings Beat Estimates on Lower Losses and Premium Growth
zacks.com • 3mo ago News
Universal Insurance Holdings (UVE) Q2 Earnings and Revenues Beat Estimates
zacks.com • 3mo ago Press Release ● Major
Universal Reports Second Quarter 2026 Results
Universal Insurance Holdings reported strong Q2 2026 results with diluted GAAP EPS of $2.04, up from $1.21 in the prior year quarter.
The company achieved an annualized return on common equity of 38.8% and improved its net loss ratio by 7.5 points year-over-year to 64.8%, driven by favorable claims trends.
Direct premiums written increased 4.1% to $621.3 million, and the company repurchased approximately 122,000 shares for $4.5 million while declaring a quarterly dividend of 16 cents per share.
• 3mo ago AI analysis › Press Release
Universal Announces Second Quarter 2026 Earnings Dates
Universal Insurance Holdings announced that it will release its second quarter 2026 financial results after the market closes on Thursday, July 23, 2026.
The company plans to host a conference call to discuss these results on Friday, July 24, 2026, at 10:00 a.m. ET, accessible via webcast and teleconference.
Universal is a holding company that provides property and casualty insurance and services, focusing on personal residential homeowners lines.
• 3mo ago AI analysis › Press Release
Universal Declares Regular Cash Dividend
Universal Insurance Holdings' Board of Directors declared a quarterly cash dividend of 16 cents per share on common stock.
The dividend is payable on August 7, 2026 to shareholders of record as of the close of business on July 31, 2026.
Universal is a holding company that provides property and casualty insurance and value-added insurance services, focusing on personal residential homeowners lines.
• 3mo ago AI analysis › News
UVE Stock Outperforms Industry, Trades Near 52-Week High: Time to Exit?
zacks.com • 3mo ago SEC Filing ⚠ 2
UVE: 8-K · debt financing
Universal Insurance Holdings, Inc. has issued $100 million in aggregate principal amount of 7.75% Senior Unsecured Notes due 2031 through a private placement. The notes were sold to institutional accredited investors and qualified institutional buyers pursuant to exemptions from registration requirements.
The company intends to use the net proceeds from this offering for general corporate purposes, specifically to redeem all outstanding principal amounts of its 5.625% Senior Notes due 2026.
The new notes mature on June 30, 2031, and bear interest at a rate of 7.75% per annum, payable semi-annually on June 30 and December 30. This transaction extends the debt maturity profile but results in a higher interest rate compared to the refinanced securities.
SEC 8-K • 4mo ago AI analysis › News
Is Universal Insurance Holdings (UVE) Stock Undervalued Right Now?
zacks.com • 4mo ago SEC Filing
UVE: 8-K · proxy statement
Universal Insurance Holdings, Inc. reported the voting results from its annual shareholder meeting held on June 11, 2026. All twelve director nominees were elected, and shareholders ratified the appointment of Plante & Moran, PLLC as the independent auditor.
The advisory proposal to approve executive compensation was also approved by shareholders. There were no broker non-votes for the auditor ratification proposal, while nearly 3 million broker non-votes were recorded for the director elections and say-on-pay vote.
SEC 8-K • 4mo ago SEC Filing
UVE: 8-K · debt financing
Universal Insurance Holdings, Inc. (UVE) entered into a First Supplemental Indenture on June 3, 2026, amending the terms of its 5.625% Senior Unsecured Notes due 2026. The amendment shortens the minimum notice period for redemption from 30 days to 5 days and permits the company to issue conditional notices of redemption. These changes provide greater operational flexibility for potential refinancing or corporate transactions, such as mergers or new debt offerings.
SEC 8-K • 4mo ago News
UVE Outperforms Industry in a Year: Time to Add It for Better Returns?
zacks.com • 4mo ago News
Should Value Investors Buy Universal Insurance Holdings (UVE) Stock?
zacks.com • 4mo ago Press Release
Universal's Insurance Subsidiaries Complete 2026-2027 Reinsurance Program
Universal Insurance Holdings completed its 2026-2027 reinsurance program for subsidiaries UPCIC and APPCIC, effective June 1, 2026.
The company raised its combined reinsurance tower limit for a single All States event to $2.623 billion, an increase of approximately $50 million over the prior year, while keeping first-event retention unchanged at $45 million.
Universal added $352 million in multi-year catastrophe capacity extending through 2027-2028, citing efficient pricing and a moderating market following a benign 2025 hurricane season and Florida property insurance reforms.
• 4mo ago AI analysis › News
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Are Investors Undervaluing Universal Insurance Holdings (UVE) Right Now?
zacks.com • 5mo ago News
What Investors Should Know About This Universal Insurance Holdings Insider Sale
fool.com • 5mo ago News
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zacks.com • 5mo ago Press Release ● Critical
KBRA Assigns Issuer Rating to Universal Insurance Holdings and Preliminary Rating to Senior Unsecured Note Offering
businesswire.com • 5mo ago News
Universal Insurance Holdings (UVE) is a Great Momentum Stock: Should You Buy?
zacks.com • 5mo ago News
Universal Insurance Holdings, Inc. (UVE) Q1 2026 Earnings Call Transcript
seekingalpha.com • 6mo ago Press Release ● Critical
Universal Reports First Quarter 2026 Results
Universal Insurance Holdings reported Q1 2026 GAAP EPS of $1.88, up 30.6% year-over-year, while adjusted EPS reached $2.00 on a 38.9% increase. Book value per share soared 39.9% to $20.95, driven by strong underwriting results and net investment income.
The combined ratio improved by 5.3 points to 89.7%, reflecting a lower net loss ratio of 63.9% despite a slight increase in the expense ratio. Direct premiums written grew 8.5% to $506.5 million, fueled by growth in Florida and other states.
Capital deployment included the repurchase of approximately 210,000 shares for $7.1 million and the declaration of a quarterly dividend of $0.16 per share.
• 6mo ago AI analysis › Recent SEC filings with analysis 
