UNIVERSAL INSURANCE HLDG financials
$42.24−0.14%
Close Sep 29, 2026 · split-adjustedRevenue
Net income
Income statement & cash flow
| Fiscal year | FY25 Dec 31 | FY24 Dec 31 | FY23 Dec 31 | FY22 Dec 31 | FY21 Dec 31 | FY20 Dec 31 | FY19 Dec 31 | FY18 Dec 31 | FY17 Dec 31 | FY16 Dec 31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.60B | $1.52B | $1.39B | $1.22B | $1.12B | $1.05B | $917.8M | $803.5M | $751.9M | $685.3M |
| Gross profit | $367.8M | $199.7M | $190.9M | $284.3M | $342.6M | $314.0M | $335.9M | $409.4M | $401.5M | $384.1M |
| Gross margin | 22.9% | 13.1% | 13.7% | 23.2% | 30.5% | 29.9% | 36.6% | 50.9% | 53.4% | 56.0% |
| Operating income | $249.5M | $91.1M | $94.9M | -$20.6M | $29.1M | $24.3M | $63.5M | $152.9M | $170.5M | $162.9M |
| Net income | $183.0M | $58.9M | $66.8M | -$22.3M | $20.4M | $19.1M | $46.5M | $117.1M | $106.9M | $99.4M |
| Net margin | 11.4% | 3.9% | 4.8% | −1.8% | 1.8% | 1.8% | 5.1% | 14.6% | 14.2% | 14.5% |
| Diluted EPS | $6.32 | $2.01 | $2.22 | $-0.72 | $0.65 | $0.60 | $1.36 | $3.27 | $2.99 | $2.79 |
| EBITDA | $255.9M | $97.2M | $102.2M | -$13.3M | $36.0M | $29.4M | $68.5M | $157.7M | $174.5M | $169.5M |
| Operating cash flow | $381.5M | $137.4M | $71.0M | $324.5M | $234.4M | $29.3M | $84.6M | $230.1M | $245.0M | $121.4M |
| Free cash flow | $377.1M | $130.0M | $67.0M | $319.6M | $227.2M | $12.1M | $73.3M | $223.4M | $240.4M | $113.2M |
| Diluted shares | 29.0M | 29.3M | 30.1M | 30.8M | 31.3M | 32.0M | 34.2M | 35.8M | 35.8M | 35.7M |
Balance sheet
| Period end | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 |
|---|---|---|---|---|---|---|
| Cash & equivalents | $408.9M | $259.4M | $397.3M | $388.7M | $250.5M | $167.2M |
| Short-term investments | $69.0M | $2.6M | $2.6M | $2.6M | $2.6M | $12.7M |
| Total debt | $100.5M | $101.2M | $102.0M | $102.8M | $103.7M | $8.5M |
| Total assets | $2.84B | $2.84B | $2.32B | $2.89B | $2.06B | $1.76B |
| Total liabilities | $2.29B | $2.47B | $1.98B | $2.60B | $1.63B | $1.31B |
| Shareholders' equity | $551.0M | $373.3M | $341.3M | $287.9M | $429.7M | $449.3M |
From SEC filings via Massive. Fiscal periods follow the company's own calendar; free cash flow is operating cash flow minus capital expenditure.
Sources: Massive / Polygon daily aggregates (split-adjusted) · SEC filings via Massive · FINRA settlements via Massive · Financial Modeling Prep. Figures are dated where shown; research is informational, not investment advice. Methodology