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%
Universal Insurance statistics
Financials through Jun 30, 2026, price as of Oct 19, 2026, median of Fire, Marine & Casualty Insurance companies for comparison
Valuation
| Measure | Universal Insurance | Industry median |
|---|---|---|
| Market Cap | $1.31B | $3.25B |
| Enterprise Value | $773.64M | $2.52B |
| PE Ratio | 6.19 | 10.38 |
| PS Ratio | 0.80 | 1.08 |
| PB Ratio | 2.05 | 1.48 |
| P/TBV Ratio | 2.05 | 1.56 |
| P/FCF Ratio | 3.84 | 7.95 |
| P/OCF Ratio | 3.79 | 7.31 |
Enterprise value
| Measure | Universal Insurance | Industry median |
|---|---|---|
| EV / Sales | 0.47 | 0.93 |
| EV / FCF | 2.28 | 7.33 |
Income (trailing twelve months)
| Measure | Universal Insurance | Industry median |
|---|---|---|
| Revenue | $1.63B | $4.57B |
| Pretax Income | $292.53M | $589.53M |
| Net Income | $219.90M | $470.80M |
| EPS (Diluted) | $7.58 | $4.71 |
Margins
| Measure | Universal Insurance | Industry median |
|---|---|---|
| Pretax Margin | 18.0% | 13.7% |
| Profit Margin | 13.5% | 10.7% |
| FCF Margin | 20.8% | 17.5% |
Returns
| Measure | Universal Insurance | Industry median |
|---|---|---|
| Return on Equity (ROE) | 40.2% | 13.9% |
| Return on Assets (ROA) | 6.68% | 3.31% |
Growth
| Measure | Universal Insurance | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 3.96% | 8.06% |
| Net Income Growth (YoY) | 231.2% | 25.1% |
| EPS Growth (YoY) | 231.0% | 27.7% |
| FCF Growth (YoY) | 26.0% | 7.71% |
| Revenue Growth (3Y CAGR) | 9.47% | 9.53% |
| Revenue Growth (5Y CAGR) | 8.38% | 8.29% |
| EPS Growth (5Y CAGR) | 60.1% | 15.2% |
Balance sheet
| Measure | Universal Insurance | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $532.16M | $482.49M |
| Net Cash (Debt) | $532.16M | $300.85M |
| Net Cash Per Share | $19.12 | $5.27 |
| Equity (Book Value) | $637.16M | $3.63B |
| Book Value Per Share | $22.89 | $41.34 |
| Tangible Book Value | $637.16M | $2.59B |
Cash flow (trailing twelve months)
| Measure | Universal Insurance | Industry median |
|---|---|---|
| Operating Cash Flow | $344.40M | $631.50M |
| Capital Expenditures | -$4.72M | -$11.90M |
| Free Cash Flow | $339.68M | $661.55M |
| FCF Per Share | $12.21 | $8.91 |
Efficiency
| Measure | Universal Insurance | Industry median |
|---|---|---|
| Asset Turnover | 0.50 | 0.27 |
| Revenue Per Employee | $1.75M | $1.68M |
| Profits Per Employee | $236.70K | $188.96K |
| Employee Count | 929 | 1,400 |
Dividends and yields
| Measure | Universal Insurance | Industry median |
|---|---|---|
| Earnings Yield | 16.8% | 9.43% |
| FCF Yield | 26.0% | 12.5% |
| Dividend Yield | 1.64% | 2.02% |
| Buyback Yield | 2.04% | 2.87% |
| Shareholder Yield | 3.68% | 4.57% |
| Dividend Per Share | $0.77 | $1.75 |
| Dividend Growth (YoY) | 0.00% | 4.86% |
| Years of Dividend Growth | 0 | 3 |
| Payout Ratio | 10.1% | 20.2% |
| FCF Payout Ratio | 6.51% | 16.0% |
Shares
| Measure | Universal Insurance | Industry median |
|---|---|---|
| Shares Outstanding | 27,830,400 | 65,596,200 |
| Shares Change (YoY) | 0.39% | -1.19% |
| Shares Change (QoQ) | -0.27% | -0.31% |
| Float | 23,765,300 | 56,719,400 |
| Shares Held by Insiders | 14.6% | 3.34% |
| Shares Held by Institutions | 77.6% | 85.3% |
Taxes
| Measure | Universal Insurance | Industry median |
|---|---|---|
| Income Tax | $72.64M | $105.00M |
| Effective Tax Rate | 24.8% | 19.8% |
Scores
| Measure | Universal Insurance | Industry median |
|---|---|---|
| Graham Number | $62.49 | $76.86 |
| Graham Upside | 33.2% | 18.9% |
| Altman Z-Score | 1.15 | 0.87 |
| Piotroski F-Score | 6 | 5 |
Calculated by StockData from Universal Insurance's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.