UVENYSEFire, Marine & Casualty InsuranceFiscal year ends December 31
UNIVERSAL INSURANCE HOLDINGS, INC.
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Jul 30, 2026
$46.92−0.20 (-0.42%)
Close on Oct 19, 2026
- Market cap
- $1.36B
- P/E (TTM)
- 6.2
- Dividend yield
- 1.64%
Margins
Share of revenue, fiscal years 2011 to 2025
Net margin
11.4%+9.6 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +5.5% | +9.5% | +8.4% | +11.4% | |
| Net income | +210.5% | – | +57.1% | +5.6% | |
| EPS, diluted | +214.4% | – | +60.1% | +7.8% | |
| Free cash flow | +190.1% | +5.7% | +98.8% | +6.2% | |
| Dividend per share | 0.0% | 0.0% | 0.0% | +2.0% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 29.9% | 4.1% | 39.6% | |
| Return on assets | 9.7% | 1.1% | 6.4% | |
| Capex to revenue | 1.2% | 1.6% | 0.3% | |
| Diluted shares | 36M | 32M | 29M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Universal Insurance generated $1.15B from operations and spent $223.23M on capital expenditure, dividends and share buybacks. 13% of that went back into the business.
Generated
$1.15B
Used
$223.23M
Capital expenditure$27.95M13%Dividends$115.73M52%Share buybacks$79.56M36%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin11.4%
×Asset turnover0.56×
×Equity multiplier6.15×
=Return on equity, FY202539.6%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 11.4% | 0.56× | 6.15× | 39.6% |
| FY2024 | 3.9% | 0.59× | 7.22× | 16.5% |
| FY2023 | 4.8% | 0.53× | 8.28× | 21.2% |
| FY2022 | -1.8% | 0.49× | 6.89× | -6.2% |
| FY2021 | 1.8% | 0.59× | 4.34× | 4.6% |
| FY2020 | 1.8% | 0.62× | 3.69× | 4.1% |
| FY2019 | 5.0% | 0.53× | 3.59× | 9.3% |
| FY2018 | 14.2% | 0.50× | 3.52× | 24.9% |
| FY2017 | 14.2% | 0.60× | 3.10× | 26.4% |
| FY2016 | 14.5% | 0.67× | 3.09× | 29.9% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
5of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$182.95M
- Cash generatingOperating cash flow above zero$381.49M
- Return on assets improvedROA up on the prior year2.5% → 6.4%
- Earnings backed by cashOperating cash flow above net income$381.49M vs $182.95M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise29M → 29M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.66 → 0.56