Universal Insurance Holdings, Inc. (UVE) stock
UVENYSEFire, Marine & Casualty InsuranceFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Oct 29, 2026Score 16/3015% below fair value
$48.57+0.00 (0.00%)
Close on Nov 13, 2026Market cap $1.34BP/E 6.1Yield 1.59%
Universal Insurance profit margin
Profit margin (net margin) is net income as a percentage of revenue.
Universal Insurance's profit margin for the twelve months ending Sep 30, 2026 was 13.9%. For fiscal 2025 it was 11.4%, against 3.9% the year before. The highest annual figure on record is 19.8% in fiscal 2014.
Annual profit margin
| Period | Period end | Value | Change (pts) |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | 11.4% | +7.5 |
| FY2024 | Dec 31, 2024 | 3.9% | −0.9 |
| FY2023 | Dec 31, 2023 | 4.8% | +6.6 |
| FY2022 | Dec 31, 2022 | -1.8% | −3.6 |
| FY2021 | Dec 31, 2021 | 1.8% | +0.0 |
| FY2020 | Dec 31, 2020 | 1.8% | −3.2 |
| FY2019 | Dec 31, 2019 | 5.0% | −9.3 |
| FY2018 | Dec 31, 2018 | 14.2% | −0.0 |
| FY2017 | Dec 31, 2017 | 14.2% | −0.3 |
| FY2016 | Dec 31, 2016 | 14.5% | −5.0 |
| FY2015 | Dec 31, 2015 | 19.5% | −0.3 |
| FY2014 | Dec 31, 2014 | 19.8% | +0.2 |
| FY2013 | Dec 31, 2013 | 19.6% | +8.4 |
| FY2012 | Dec 31, 2012 | 11.2% | +2.3 |
| FY2011 | Dec 31, 2011 | 8.9% | −6.5 |
| FY2010 | Dec 31, 2010 | 15.4% | +1.7 |
| FY2009 | Dec 31, 2009 | 13.7% | – |
Quarterly profit margin
Change is against the same quarter a year earlier.
| Period | Period end | Value | Change (pts) |
|---|---|---|---|
| Q3 FY2026 | Sep 30, 2026 | 12.0% | +2.0 |
| Q2 FY2026 | Jun 30, 2026 | 13.9% | +5.1 |
| Q1 FY2026 | Mar 31, 2026 | 13.8% | +3.3 |
| Q4 FY2025 | Dec 31, 2025 | 16.3% | +14.8 |
| Q3 FY2025 | Sep 30, 2025 | 9.9% | +14.1 |
| Q2 FY2025 | Jun 30, 2025 | 8.8% | −0.5 |
| Q1 FY2025 | Mar 31, 2025 | 10.5% | +1.3 |
| Q4 FY2024 | Dec 31, 2024 | 1.6% | −3.8 |
| Q3 FY2024 | Sep 30, 2024 | -4.2% | −2.5 |
| Q2 FY2024 | Jun 30, 2024 | 9.3% | +0.9 |
| Q1 FY2024 | Mar 31, 2024 | 9.1% | +1.5 |
| Q4 FY2023 | Dec 31, 2023 | 5.3% | −2.3 |
| Q3 FY2023 | Sep 30, 2023 | -1.6% | +21.5 |
| Q2 FY2023 | Jun 30, 2023 | 8.4% | +5.9 |
| Q1 FY2023 | Mar 31, 2023 | 7.6% | +1.5 |
| Q4 FY2022 | Dec 31, 2022 | 7.6% | +24.0 |
| Q3 FY2022 | Sep 30, 2022 | -23.1% | −30.1 |
| Q2 FY2022 | Jun 30, 2022 | 2.5% | −5.3 |
| Q1 FY2022 | Mar 31, 2022 | 6.1% | −4.0 |
| Q4 FY2021 | Dec 31, 2021 | -16.4% | −10.0 |
| Q3 FY2021 | Sep 30, 2021 | 7.0% | +8.0 |
| Q2 FY2021 | Jun 30, 2021 | 7.9% | −0.0 |
| Q1 FY2021 | Mar 31, 2021 | 10.1% | +1.5 |
| Q4 FY2020 | Dec 31, 2020 | -6.5% | +14.9 |
| Q3 FY2020 | Sep 30, 2020 | -1.0% | −9.8 |
| Q2 FY2020 | Jun 30, 2020 | 7.9% | −8.1 |
| Q1 FY2020 | Mar 31, 2020 | 8.5% | −8.4 |
| Q4 FY2019 | Dec 31, 2019 | -21.3% | −18.3 |
| Q3 FY2019 | Sep 30, 2019 | 8.8% | −9.4 |
| Q2 FY2019 | Jun 30, 2019 | 16.0% | −6.0 |
| Q1 FY2019 | Mar 31, 2019 | 17.0% | −3.9 |
| Q4 FY2018 | Dec 31, 2018 | -3.0% | −21.1 |
| Q3 FY2018 | Sep 30, 2018 | 18.1% | +12.9 |
| Q2 FY2018 | Jun 30, 2018 | 22.0% | +6.1 |
| Q1 FY2018 | Mar 31, 2018 | 20.9% | +3.1 |
| Q4 FY2017 | Dec 31, 2017 | 18.1% | +10.4 |
| Q3 FY2017 | Sep 30, 2017 | 5.2% | – |
| Q2 FY2017 | Jun 30, 2017 | 15.8% | – |
| Q1 FY2017 | Mar 31, 2017 | 17.8% | – |
| Q4 FY2016 | Dec 31, 2016 | 7.6% | – |
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