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Universal Insurance Holdings Inc

Financial Services US UVE

34.28USD
-0.17(0.49%)

Last update at 2026-03-10T20:00:00Z

Day Range

34.1435.27
LowHigh

52 Week Range

9.7819.55
LowHigh

Fundamentals

  • Previous Close 34.45
  • Market Cap468.43M
  • Volume182628
  • P/E Ratio6.95
  • Dividend Yield3.91%
  • EBITDA109.12M
  • Revenue TTM1346.49M
  • Revenue Per Share TTM44.63
  • Gross Profit TTM 284.26M
  • Diluted EPS TTM2.31

Source: TradingView
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Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax -27.24700M 28.41M 24.23M 63.52M 152.87M
Minority interest - - - - -
Net income -22.25700M 20.41M 19.11M 46.51M 117.05M
Selling general administrative 90.64M 88.07M 90.53M 94.65M 98.81M
Selling and marketing expenses - - - - -
Gross profit 1222.66M 1033.79M 982.14M 939.35M 724.65M
Reconciled depreciation 7.30M 6.91M 5.11M 4.96M 4.82M
Ebit -12.51300M 20.78M 15.73M 55.55M 153.22M
Ebitda -5.21700M 27.70M 20.84M 60.50M 158.04M
Depreciation and amortization 7.30M 6.91M 5.11M 4.96M 4.82M
Non operating income net other - - - - -
Operating income -12.51300M 20.78M 15.73M 55.55M 153.22M
Other operating expenses 1249.90M 1093.44M 1048.54M 875.83M 670.94M
Interest expense 6.61M 0.65M 0.10M 0.25M 0.35M
Tax provision -4.99000M 8.01M 5.13M 17.00M 35.82M
Interest income - - - - -
Net interest income -6.60900M -0.65200M -0.10200M -0.24800M -0.34600M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense -4.99000M 8.01M 5.13M 17.00M 35.82M
Total revenue 1222.66M 1121.85M 1072.77M 939.35M 823.82M
Total operating expenses 1243.30M -1101.06900M -1057.04000M -883.80600M 99.16M
Cost of revenue - 88.07M 90.63M 603.41M 99.16M
Total other income expense net -14.73400M 7.63M 8.50M 7.97M 7.16M
Discontinued operations - - - - -
Net income from continuing ops -22.25700M 20.41M 19.11M 80.52M 188.69M
Net income applicable to common shares -22.26700M 20.41M 19.11M 46.51M 117.05M
Preferred stock and other adjustments - - - - -
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Total assets 2890.15M 2056.14M 1758.74M 1719.85M 1858.39M
Intangible assets - - - 91.88M 84.69M
Earning assets - - - - -
Other current assets -808.85000M -646.07100M -446.79100M -168.21700M -1250.20000M
Total liab 2602.26M 1626.44M 1309.48M 1225.95M 1356.76M
Total stockholder equity 287.90M 429.70M 449.26M 493.90M 501.63M
Deferred long term liab - - - - -
Other current liab -440.23400M -215.42100M -69.71100M -212.98200M 3.06M
Common stock 0.47M 0.47M 0.47M 0.47M 0.47M
Capital stock 0.47M 0.47M 0.47M 0.47M 0.47M
Retained earnings 517.46M 563.71M 567.51M 573.62M 553.22M
Other liab 501.36M 76.42M 135.55M 145.09M 45.42M
Good will 2.32M 2.32M 2.32M 2.32M 2.32M
Other assets 1308.59M 411.33M 403.65M 337.95M -1476.48600M
Cash 388.71M 250.51M 167.16M 182.11M 166.43M
Cash and equivalents 388.71M 250.51M 167.16M 182.11M 166.43M
Total current liabilities 1.53M 215.42M 69.71M 212.98M 199.21M
Current deferred revenue 57.26M - - - -
Net debt -285.93700M -146.83200M -158.70000M -172.18300M -155.03100M
Short term debt 0.00000M 26.76M 59.40M 90.40M 102.84M
Short long term debt 0.00000M 26.76M 59.40M 90.40M 102.84M
Short long term debt total 102.77M 103.68M 8.46M 9.93M 11.40M
Other stockholder equity -126.24900M -118.91300M -122.06100M -100.54900M -44.04600M
Property plant equipment 57.12M 53.68M 53.57M 41.35M 34.99M
Total current assets 1472.91M 501.02M 394.46M 439.23M 1476.49M
Long term investments 1100.10M 1087.79M 919.92M 914.59M 908.15M
Net tangible assets 287.90M 427.38M 449.26M 493.90M 501.63M
Short term investments 1014.63M 1040.45M 819.86M 855.28M 820.44M
Net receivables 878.42M 250.51M 227.30M 257.12M 478.46M
Long term debt 101.30M 103.68M 8.46M 9.93M 11.40M
Inventory 1014.63M - - - -
Accounts payable 384.50M 188.66M 10.31M 122.58M 93.31M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income -103.78200M -15.56800M 3.34M 20.36M -8.01000M
Additional paid in capital - - - - -
Common stock total equity - 0.47M 0.47M 0.47M 0.47M
Preferred stock total equity - - - - -
Retained earnings total equity - 563.71M 567.51M 573.62M 553.22M
Treasury stock - -227.11500M -225.50600M -196.58500M -130.39900M
Accumulated amortization - - - - -
Non currrent assets other -1102.41400M -16.33100M -6.28400M -3.35100M 922.78M
Deferred long term asset charges - - - - -
Non current assets total 108.66M 1143.79M 960.64M 942.67M 1858.39M
Capital lease obligations - - - - -
Long term debt total 101.30M 102.20M 8.46M 9.93M 11.40M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Investments -148.86100M -234.22000M 73.78M 0.74M -188.07200M
Change to liabilities 87.36M 78.77M 31.46M 70.98M 118.77M
Total cashflows from investing activities -148.86100M -229.40400M 22.04M 28.33M -212.28600M
Net borrowings -1.47100M 98.53M -1.47000M -1.47100M -1.47100M
Total cash from financing activities -37.45600M 68.30M -56.26300M -97.24300M -64.87700M
Change to operating activities 253.47M 135.42M -57.33600M 2.59M -52.26800M
Net income -22.25700M 20.41M 19.11M 46.51M 117.05M
Change in cash 138.20M 73.27M -4.87300M 15.68M -47.05800M
Begin period cash flow 253.14M 179.87M 184.74M 169.06M 216.12M
End period cash flow 391.34M 253.14M 179.87M 184.74M 169.06M
Total cash from operating activities 324.51M 234.38M 29.35M 84.60M 230.10M
Issuance of capital stock - - - - 0.00000M
Depreciation 7.30M 6.91M 5.11M 4.96M 4.82M
Other cashflows from investing activities -143.95600M -222.17100M -34.52400M 38.90M -17.48300M
Dividends paid 23.78M 24.20M 24.56M 26.12M 25.52M
Change to inventory - - - - -
Change to account receivables -628.61900M -23.67700M 29.29M 220.89M -240.02100M
Sale purchase of stock -11.64300M -1.60900M -28.92100M -66.18600M -25.27600M
Other cashflows from financing activities -0.55800M -4.42100M -1.34500M -3.70900M -12.71400M
Change to netincome -11.89600M -21.64700M 12.44M 15.35M 4.28M
Capital expenditures 4.90M 7.23M 17.22M 11.31M 6.73M
Change receivables - -50.20300M -9.67700M 188.10M -251.11400M
Cash flows other operating - 7.65M -33.71400M -242.96600M 234.81M
Exchange rate changes - - - - -
Cash and cash equivalents changes - 73.27M -4.87300M 15.68M -47.05800M
Change in working capital 350.67M 228.65M 83.05M 39.03M 17.08M
Stock based compensation 4.73M 5.82M 8.70M 13.01M 12.79M
Other non cash items -3.79400M -23.13900M -89.40000M -20.88200M 82.10M
Free cash flow 319.62M 227.15M 12.13M 73.28M 223.37M

Peer Comparison

Sector: Financial Services Industry: Insurance - Property & Casualty

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x)
UVE
Universal Insurance Holdings Inc
-0.17 0.49% 34.28 6.95 - 0.36 1.59 0.19
PGR
Progressive Corp
0.16 0.08% 206.96 34.22 20.33 1.55 5.46 1.70
CB
Chubb Ltd
0.84 0.26% 325.24 12.92 10.49 1.85 1.73 2.18
ALL
The Allstate Corporation
-0.19 0.09% 207.50 12.61 10.79 0.83 2.79 0.99
TKOMF
Tokio Marine Holdings Inc.
1.23 3.22% 39.40 14.81 10.00 0.0069 1.59 0.0064

Reports Covered

Stock Research & News

Profile

Universal Insurance Holdings, Inc., together with its subsidiaries, operates as an integrated insurance holding company in the United States. It develops, markets, and underwrites insurance products for personal residential insurance, such as homeowners, renters/tenants, condo unit owners, and dwelling/fire; and offers allied lines, coverage for other structures, and personal property, liability, and personal articles coverages. The company also advises on actuarial issues, oversees distribution, administers claims payments, performs policy administration and underwriting, and assists with reinsurance negotiations; places and manages reinsurance programs for the insurance entities; and operates Clovered.com, a digital agency for carrier partners and utilization of digital applications for adjusting claims. It offers its products through a network of independent agents, as well as direct-to-consumer online solutions, including digital insurance agency. 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.

Universal Insurance Holdings Inc

1110 West Commercial Boulevard, Fort Lauderdale, FL, United States, 33309

Key Executives

Name Title Year Born
Mr. Sean Patrick Downes Exec. Chairman 1970
Mr. Stephen Joseph Donaghy CEO & Director 1965
Mr. Frank Crawford Wilcox Chief Financial Officer 1966
Ms. Kimberly Denice Campos Chief Information Officer, Chief Admin. Officer & Director 1978
Mr. Michael J. Poloskey Chief Operating Officer 1971
Mr. Rob Luther Chief Investment Officer NA
Mr. Gary Lloyd Ropiecki Principal Accounting Officer & Sec. NA
Mr. Darryl Lamont Lewis Chief Legal Officer 1965
Mr. Jason M. Burns Pres of Blue Atlantic 1980
Mr. Matthew John Palmieri Chief Risk Officer 1980

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