UVE on NYSE
UNIVERSAL INSURANCE HOLDINGS, INC.
American fire company that raised $100 million in 2021 (SEC Form D)2
In its 2026 annual report the company says: “We develop, market, and underwrite insurance products for consumers predominantly in the personal residential homeowners lines of business and perform substantially all other insurance-related services for our primary insurance entities, including risk management, claims management, and distribution.”5 It is headquartered in Fort Lauderdale, United States.2 Its shares trade on NYSE under the symbol UVE.2
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Last updated Oct 21, 2026.
Overview
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- TickerUVE on NYSE2
- IndustryFire, Marine & Casualty Insurance2
- HeadquartersFort Lauderdale, United States2
- Incorporated inDE3
- Business address1110 W. Commercial Blvd., Suite 100, Fort Lauderdale, Fl 333093
- Filer categoryLarge accelerated filer3
- Legal formCorporation2
- LEI529900GGAZ6WVUCWQM462
- StatusActive2
- LEI statusLapsed (not renewed)2
- Registered addressc/o CORPORATION SERVICE COMPANY, 251 LITTLE FALLS DRIVE, 19808 Wilmington, United States2
- Registered withDivision of Corporations, Department of State, 22465442
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Universal Insurance Holdings, Inc. (“UVE,” and together with its wholly-owned subsidiaries, “we,” “our,” “us,” or the “Company”) is a holding company offering property and casualty insurance and value-added insurance services. We develop, market, and underwrite insurance products for consumers predominantly in the personal residential homeowners lines of business and perform substantially all other insurance-related services for our primary insurance entities, including risk management, claims management, and distribution. Our primary insurance entities, Universal Property & Casualty Insurance Company (“UPCIC”) and American Platinum Property and Casualty Insurance Company (“APPCIC” and together with UPCIC, the “Insurance Entities”), offer insurance products through both our appointed independent agent network and our online distribution channels across our multi-state footprint (primaril…5 From its latest annual report
Financials
From the company’s reports to the SEC. Every number links to the filing it came from.
Key numbers, fiscal 2025
Where the money goes
Where each dollar of revenue went, fiscal 2025
- Other costs85¢$1.4B
- Income tax4¢$60.1M
- Profit11¢$183.0M
Out of $1.6B in revenue.6
Where each dollar of operating cash went, fiscal 2025
- Capital spending1¢$4.4M
- Dividends paid6¢$22.2M
- Share buybacks6¢$22.4M
- Kept or used elsewhere87¢$332.5M
Out of $381.5M of cash from operations.6
Financial statements
Every line of the income statement as filed: the last 3 fiscal years (annual) or 12 quarters (quarterly), latest first.6
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Direct premiums written | $2.1B | $2.1B | $1.9B |
| Change in unearned premium | -$31.5M | -$69.9M | -$46.7M |
| Direct premium earned | $2.1B | $2.0B | $1.9B |
| Ceded premium earned | -$669.7M | -$626.7M | -$623.2M |
| Premiums earned, net | $1.4B | $1.4B | $1.3B |
| Net investment income | $70.6M | $59.1M | $48.4M |
| Net realized gains (losses) on investments | $5.7M | -$1.3M | -$1.2M |
| Net change in unrealized gains (losses) on investments | -$1.2M | $9.9M | $12.0M |
| Commission revenue | $61.3M | $51.8M | $54.1M |
| Policy fees | $20.1M | $19.5M | $18.9M |
| Other revenue | $8.3M | $8.4M | $7.4M |
| Total revenues | $1.6B | $1.5B | $1.4B |
| Losses and loss adjustment expenses | $985.9M | $1.1B | $992.6M |
| Policy acquisition costs | $250.2M | $208.0M | |
| Other operating costs and expenses | $118.3M | $108.6M | $96.1M |
| Total operating costs and expenses | $1.4B | $1.4B | $1.3B |
| Interest and amortization of debt issuance costs | $6.4M | $6.5M | $6.5M |
| INCOME (LOSS) BEFORE INCOME TAX EXPENSE (BENEFIT) | $243.1M | $84.6M | $88.3M |
| Income tax expense (benefit) | $60.1M | $25.7M | $21.5M |
| NET INCOME (LOSS) | $183.0M | $58.9M | $66.8M |
| Basic earnings (loss) per common share (in USD per share) | $6.56 | $2.07 | $2.24 |
| Weighted average common shares outstanding - Basic (in shares) | 27.9M shares | 28.5M shares | 29.8M shares |
| Diluted earnings (loss) per common share (in USD per share) | $6.32 | $2.01 | $2.22 |
| Weighted average common shares outstanding - Diluted (in shares) | 29.0M shares | 29.3M shares | 30.1M shares |
| Cash dividend declared per common share (in USD per share) | $0.77 | $0.77 | $0.77 |
| Period ending | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Direct premiums written | $483.7M | |||||||||||
| Ceded premium earned | -$174.5M | -$13.6M | ||||||||||
| Premiums earned, net | $363.4M | $359.7M | $360.2M | $355.7M | $348.4M | $345.7M | $345.0M | $334.0M | ||||
| Net investment income | $19.0M | $18.3M | $17.3M | $16.1M | $15.6M | $15.4M | $14.7M | $13.5M | ||||
| Total revenues | $407.9M | $401.0M | $400.1M | $394.9M | $384.8M | $387.6M | $380.2M | $368.0M | ||||
| Policy acquisition costs | $233.4M | |||||||||||
| Total operating costs and expenses | $317.9M | $346.6M | $352.1M | $337.8M | $375.9M | $404.1M | $330.7M | $318.9M | ||||
| NET INCOME (LOSS) | $66.6M | $39.8M | $35.1M | $41.4M | $6.0M | -$16.2M | $35.4M | $33.7M | ||||
| Basic earnings (loss) per common share (in USD per share) | $2.40 | $1.43 | $1.25 | $1.48 | $0.21 | -$0.57 | $1.24 | $1.17 | ||||
| Diluted earnings (loss) per common share (in USD per share) | $2.28 | $1.38 | $1.21 | $1.44 | $0.21 | -$0.57 | $1.21 | $1.14 | ||||
| Cash dividend declared per common share (in USD per share) | $0.29 | $0.16 | $0.16 | $0.16 | $0.29 | $0.16 | $0.16 | $0.16 | $0.29 | $0.16 | $0.16 | $0.16 |
Every line of the balance sheet as filed: the last 4 fiscal years (annual) or 4 quarters (quarterly), latest first.6
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Available-for-sale debt securities, at fair value, net of allowance for credit losses of $631 and $1,018 (amortized cost: $1,466,145 and $1,353,532) | $1.4B | $1.3B | ||
| Equity securities, at fair value (cost: $87,326 and $79,917) | $85.4M | $77.8M | ||
| Other investments, at fair value (cost: $5,000 and $8,794) | $10.7M | $16.1M | ||
| Investment real estate, net | $5.5M | $8.3M | ||
| Total invested assets | $1.5B | $1.4B | ||
| Cash and cash equivalents | $408.9M | $259.4M | $397.3M | |
| Restricted cash and cash equivalents | $69.0M | $2.6M | $2.6M | |
| Prepaid reinsurance premiums | $291.0M | $262.7M | ||
| Reinsurance recoverable | $232.9M | $627.6M | ||
| Premiums receivable, net | $75.7M | $77.9M | ||
| Property and equipment, net | $49.3M | $48.7M | ||
| Deferred policy acquisition costs | $128.6M | $121.2M | $110.0M | $103.7M |
| Deferred income tax asset, net | $27.7M | $42.2M | ||
| Other assets | $24.0M | $28.2M | ||
| Total assets | $2.8B | $2.8B | ||
| Unpaid losses and loss adjustment expenses | $680.7M | $959.3M | $510.1M | $1.0B |
| Unearned premiums | $1.1B | $1.1B | $990.6M | |
| Advance premium | $61.8M | $46.2M | ||
| Income taxes payable | $28.6M | $6.6M | ||
| Reinsurance payable, net | $257.2M | $220.3M | ||
| Commission payable | $26.3M | $25.9M | ||
| Other liabilities and accrued expenses | $41.6M | $48.6M | ||
| Debt, net of issuance costs | $100.5M | $101.2M | ||
| Total liabilities | $2.3B | $2.5B | ||
| Cumulative convertible preferred stock | $0 | $0 | ||
| Common stock | $482.0K | $475.0K | ||
| Treasury shares, at cost - 20,226 and 19,382 | -$305.1M | -$282.7M | ||
| Additional paid-in capital | $124.3M | $121.8M | ||
| Accumulated other comprehensive income (loss), net of taxes | -$26.2M | -$63.2M | ||
| Retained earnings | $757.4M | $596.9M | ||
| Total stockholders equity | $551.0M | $373.2M | $341.3M | $287.9M |
| Total liabilities and stockholders equity | $2.8B | $2.8B | ||
| Available-for-sale securities, allowance for credit loss | $631.0K | $1.0M | $566.0K | |
| Available for sale debt securities, amortized cost | $1.5B | $1.4B | ||
| Equity securities, amortized cost | $87.3M | $79.9M | ||
| Other investments, cost | $5.0M | $8.8M | ||
| Cumulative convertible preferred stock, par value (in USD per share) | $0.01 | $0.01 | ||
| Cumulative convertible preferred stock, shares authorized (in shares) | 1.0M shares | 1.0M shares | ||
| Cumulative convertible preferred stock, shares issued (in shares) | 10.0K shares | 10.0K shares | ||
| Cumulative convertible preferred stock, shares outstanding (in shares) | 10.0K shares | 10.0K shares | ||
| Cumulative convertible preferred stock, minimum liquidation preference (in USD per share) | $10 | $10 | ||
| Common stock, par value (in USD per share) | $0.01 | $0.01 | ||
| Common stock, shares authorized (in shares) | 55.0M shares | 55.0M shares | ||
| Common stock, shares issued (in shares) | 48.2M shares | 47.5M shares | ||
| Common stock, shares outstanding (in shares) | 28.0M shares | 28.1M shares | ||
| Treasury stock, shares (in shares) | 20.2M shares | 19.4M shares |
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Available-for-sale debt securities, at fair value, net of allowance for credit losses of $631 and $1,018 (amortized cost: $1,466,145 and $1,353,532) | $1.4B | $1.3B | ||
| Equity securities, at fair value (cost: $87,326 and $79,917) | $85.4M | $77.8M | ||
| Other investments, at fair value (cost: $5,000 and $8,794) | $10.7M | $16.1M | ||
| Investment real estate, net | $5.5M | $8.3M | ||
| Total invested assets | $1.5B | $1.4B | ||
| Cash and cash equivalents | $408.9M | $259.4M | $397.3M | |
| Restricted cash and cash equivalents | $69.0M | $2.6M | $2.6M | |
| Prepaid reinsurance premiums | $291.0M | $262.7M | ||
| Reinsurance recoverable | $232.9M | $627.6M | ||
| Premiums receivable, net | $75.7M | $77.9M | ||
| Property and equipment, net | $49.3M | $48.7M | ||
| Deferred policy acquisition costs | $128.6M | $121.2M | $110.0M | $103.7M |
| Deferred income tax asset, net | $27.7M | $42.2M | ||
| Other assets | $24.0M | $28.2M | ||
| Total assets | $2.8B | $2.8B | ||
| Unpaid losses and loss adjustment expenses | $680.7M | $959.3M | $510.1M | $1.0B |
| Unearned premiums | $1.1B | $1.1B | $990.6M | |
| Advance premium | $61.8M | $46.2M | ||
| Income taxes payable | $28.6M | $6.6M | ||
| Reinsurance payable, net | $257.2M | $220.3M | ||
| Commission payable | $26.3M | $25.9M | ||
| Other liabilities and accrued expenses | $41.6M | $48.6M | ||
| Debt, net of issuance costs | $100.5M | $101.2M | ||
| Total liabilities | $2.3B | $2.5B | ||
| Cumulative convertible preferred stock | $0 | $0 | ||
| Common stock | $482.0K | $475.0K | ||
| Treasury shares, at cost - 20,226 and 19,382 | -$305.1M | -$282.7M | ||
| Additional paid-in capital | $124.3M | $121.8M | ||
| Accumulated other comprehensive income (loss), net of taxes | -$26.2M | -$63.2M | ||
| Retained earnings | $757.4M | $596.9M | ||
| Total stockholders equity | $551.0M | $373.2M | $341.3M | $287.9M |
| Total liabilities and stockholders equity | $2.8B | $2.8B | ||
| Available-for-sale securities, allowance for credit loss | $631.0K | $1.0M | $566.0K | |
| Available for sale debt securities, amortized cost | $1.5B | $1.4B | ||
| Equity securities, amortized cost | $87.3M | $79.9M | ||
| Other investments, cost | $5.0M | $8.8M | ||
| Cumulative convertible preferred stock, par value (in USD per share) | $0.01 | $0.01 | ||
| Cumulative convertible preferred stock, shares authorized (in shares) | 1.0M shares | 1.0M shares | ||
| Cumulative convertible preferred stock, shares issued (in shares) | 10.0K shares | 10.0K shares | ||
| Cumulative convertible preferred stock, shares outstanding (in shares) | 10.0K shares | 10.0K shares | ||
| Cumulative convertible preferred stock, minimum liquidation preference (in USD per share) | $10 | $10 | ||
| Common stock, par value (in USD per share) | $0.01 | $0.01 | ||
| Common stock, shares authorized (in shares) | 55.0M shares | 55.0M shares | ||
| Common stock, shares issued (in shares) | 48.2M shares | 47.5M shares | ||
| Common stock, shares outstanding (in shares) | 28.0M shares | 28.1M shares | ||
| Treasury stock, shares (in shares) | 20.2M shares | 19.4M shares |
Cash flow is reported year to date, not quarter by quarter, so there are no separate quarterly figures.
Every line of the cash flow as filed: the last 3 fiscal years, latest first.6
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Net income (loss) | $183.0M | $58.9M | $66.8M |
| Bad debt expense | $3.5M | $548.0K | $504.0K |
| Depreciation and amortization | $6.4M | $6.1M | $7.3M |
| Amortization of share-based compensation | $8.7M | $8.1M | $2.9M |
| Amortization of debt issuance costs | $708.0K | $708.0K | $708.0K |
| Provision for (or reversal of) credit losses on available-for-sale debt securities | -$386.0K | $452.0K | -$354.0K |
| Book overdraft increase (decrease) | $0 | -$14.6M | $14.6M |
| Net realized (gains) losses on sale of investments | -$5.7M | $1.3M | $1.2M |
| Net change in unrealized (gains) losses on investments | $1.2M | -$9.9M | -$12.0M |
| Amortization of premium/accretion of discount, net | $624.0K | $3.8M | $6.6M |
| Deferred income taxes | $2.6M | -$2.6M | $4.4M |
| Excess tax (benefit) shortfall from share-based compensation | -$1.1M | $1.2M | -$20.0K |
| Loss (gain) on disposal of assets | $128.0K | $104.0K | $642.0K |
| Prepaid reinsurance premiums | -$28.3M | -$26.5M | $46.2M |
| Reinsurance recoverable | $394.7M | -$408.5M | $589.7M |
| Income taxes payable | $23.1M | -$530.0K | $5.9M |
| Premiums receivable, net | $81.0K | -$1.4M | -$8.0M |
| Accrued investment income | -$2.0M | -$1.6M | -$1.3M |
| Income taxes recoverable | $0 | $0 | $1.5M |
| Deferred policy acquisition costs | -$7.4M | -$11.2M | -$6.3M |
| Other assets | $4.9M | -$8.0M | -$3.0M |
| Unpaid losses and loss adjustment expenses | -$278.6M | $449.2M | -$528.7M |
| Unearned premiums | $31.5M | $69.9M | $46.7M |
| Commission payable | $376.0K | $4.9M | $2.4M |
| Reinsurance payable, net | $36.9M | $28.5M | -$192.7M |
| Other liabilities and accrued expenses | -$8.9M | -$9.1M | $31.5M |
| Advance premium | $15.6M | -$2.4M | -$6.3M |
| Net cash provided by (used in) operating activities | $381.5M | $137.4M | $71.0M |
| Proceeds from sale of property and equipment | $40.0K | $108.0K | $42.0K |
| Purchases of property and equipment | -$4.4M | -$7.4M | -$4.0M |
| Purchases of equity securities | -$29.0M | -$3.2M | -$33.5M |
| Purchases of available-for-sale debt securities | -$430.1M | -$384.9M | -$146.4M |
| Purchases of other investments | -$1.0M | $0 | -$4.8M |
| Purchases of investment real estate, net | $0 | -$2.8M | $0 |
| Proceeds from sales of equity securities | $22.1M | $13.9M | $45.1M |
| Proceeds from sales of available-for-sale debt securities | $126.6M | $49.1M | $19.2M |
| Proceeds from sale of other investments | $11.5M | $0 | $0 |
| Maturities of available-for-sale debt securities | $190.8M | $107.1M | $109.1M |
| Net cash provided by (used in) investing activities | -$113.6M | -$228.1M | -$15.3M |
| Preferred stock dividend | -$10.0K | -$10.0K | -$10.0K |
| Common stock dividend | -$22.2M | -$22.3M | -$23.3M |
| Purchase of treasury stock, inclusive of excise taxes paid | -$22.4M | -$21.9M | -$22.0M |
| Payments related to tax withholding for share-based compensation | -$6.1M | -$1.4M | -$339.0K |
| Repayment of debt | -$1.5M | -$1.5M | -$1.5M |
| Net cash provided by (used in) financing activities | -$52.1M | -$47.1M | -$47.1M |
| Net increase (decrease) during the period | $215.8M | -$137.9M | $8.6M |
| Interest paid | $5.7M | $5.8M | $5.8M |
| Income taxes paid | $35.6M | $27.6M | $9.7M |
| Income tax refund | $0 | $0 | $5.0K |
No quarter-by-quarter statement was filed.
Compare UNIVERSAL INSURANCE HOLDINGS, INC. with another company
Corporate structure
UNIVERSAL INSURANCE HOLDINGS, INC. sits at the top of its group. 19 entities, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.
Major holders of UNIVERSAL INSURANCE HOLDINGS, INC.
- VANGUARD GROUP INC Filed SCHEDULE 13G/A on UNIVERSAL INSURANCE HOLDINGS, INC., latest Mar 27, 2026 (5 filings since Feb 10, 2022)
- DONALD SMITH & CO., INC. Filed SCHEDULE 13G on UNIVERSAL INSURANCE HOLDINGS, INC., latest Feb 11, 2026 (7 filings since Feb 5, 2024)
- Sean P. Downes Filed SCHEDULE 13D/A on UNIVERSAL INSURANCE HOLDINGS, INC., latest Jul 30, 2025 (2 filings since Jul 25, 2025)
- DIMENSIONAL FUND ADVISORS LP Filed SCHEDULE 13G/A on UNIVERSAL INSURANCE HOLDINGS, INC., latest Jul 15, 2025 (4 filings since Feb 8, 2022)
- Stephen Donaghy Filed SCHEDULE 13D on UNIVERSAL INSURANCE HOLDINGS, INC., latest Apr 7, 2025
- BlackRock Filed SC 13G/A on UNIVERSAL INSURANCE HOLDINGS, INC., latest Jan 26, 2024 (5 filings since Jan 25, 2022)
- MILLENNIUM MANAGEMENT LLC Filed SC 13G on UNIVERSAL INSURANCE HOLDINGS, INC., latest Sep 21, 2023
- UNIVERSAL INSURANCE HOLDINGS, INC. Fort Lauderdale, Florida, United States
- 1. Coastal Homeowners Insurance Specialists, Inc. Subsidiary · Florida, United States
- 10. Oak90 Capital, Inc. Subsidiary · Florida, United States
- 11. Grand Palm Development Group, Inc. Subsidiary · Florida, United States
- 12. Atlas Premium Finance Company Subsidiary · Florida, United States
- 13. Blue Atlantic Reinsurance Corporation Subsidiary · Florida, United States
- 14. American Platinum Property and Casualty Insurance Company) Subsidiary · Florida, United States
- 15. Universal Logistics Corporation Subsidiary · Florida, United States
- 16. Financial & Insurance Management Resources, Inc. Subsidiary · Florida, United States
- 17. Universal Protection Plans, Inc. Subsidiary · Florida, United States
- 2. Tigerquote.com Insurance Solutions of Ohio, Inc. Subsidiary · Ohio, United States
- 3. Tigerquote.com Insurance Solutions of Pennsylvania, Inc. Subsidiary · Pennsylvania, United States
- 4. Universal Adjusting Corporation (d/b/a Alder Adjusting) Subsidiary · Florida, United States
- 5. Assurance Systems, Inc. Subsidiary · Florida, United States
- 6. Universal Inspection Corporation (d/b/a Wicklow Inspection Corporation) Subsidiary · Florida, United States
- 7. Protection Solutions, Inc. Subsidiary · Florida, United States
- 8. Universal Property & Casualty Insurance Company Subsidiary · Florida, United States
- 9. Evolution Risk Advisors, Inc. Subsidiary · Florida, United States
- UNIVERSAL PROPERTY & CASUALTY INSURANCE COMPANY Subsidiary · Fort Lauderdale, Florida, United States
Built from parent and subsidiary links from GLEIF, the Global Legal Entity Identifier Foundation (CC0); subsidiaries listed in Exhibit 21 of annual reports filed with the SEC; major holders from Schedules 13D and 13G. Each entity in the chart links to its source.
What it owns
What UNIVERSAL INSURANCE HOLDINGS, INC. reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.
Property and equipment
| Item | Latest | A year before | Change |
|---|---|---|---|
| Accumulated depreciation | $39.5M6 Dec 31, 2025 | $35.0M6 Dec 31, 2024 | +13.0% |
| Property and equipment, net | $49.3M6 Dec 31, 2025 | $48.7M6 Dec 31, 2024 | +1.4% |
Real estate and locations
| Item | Latest | A year before | Change |
|---|---|---|---|
| Real estate investments, net | $5.5M6 Dec 31, 2025 | $8.3M6 Dec 31, 2024 | −34.4% |
| Real estate investments, at cost | $7.4M6 Dec 31, 2025 | $10.1M6 Dec 31, 2024 | −26.5% |
| Real estate accumulated depreciation | $2.0M6 Dec 31, 2025 | $1.8M6 Dec 31, 2024 | +10.3% |
Investments
| Item | Latest | A year before | Change |
|---|---|---|---|
| Cash and cash equivalents | $408.9M6 Dec 31, 2025 | $259.4M6 Dec 31, 2024 | +57.6% |
| Debt securities available for sale | $1.4B6 Dec 31, 2025 | $1.3B6 Dec 31, 2024 | +12.8% |
| Equity securities at fair value | $85.4M6 Dec 31, 2025 | $77.8M6 Dec 31, 2024 | +9.9% |
Properties, in its own words
We conduct our insurance operations primarily from office buildings, which we own, in three locations: Fort Lauderdale, Florida; Altamonte Springs, Florida; and Eagan, Minnesota.
The majority of our operations is conducted from these facilities. We believe that our facilities and equipment are generally well maintained, in good operating condition and suitable and adequate for our present operations. The current facilities are expected to be adequate for our operations for the near future.
The rest of Item 2
There are no mortgage or lease arrangements for our real estate owned property.
Item 2 of the 10-K filed Feb 27, 2026.5
Leadership
Who has led UNIVERSAL INSURANCE HOLDINGS, INC., and when. Pick a name to see everywhere that person has worked.
Chief financial officer
Chief operating officer
- Chief executive officerStephen Donaghy Aug 6, 2019 to now14
- Chief executive officerSean P. Downes Apr 1, 2013 to Jun 14, 201915
- Chief executive officerBradley I. Meier Jun 26, 2007 to Jun 25, 201216
- ChairSean P. Downes Aug 8, 2023 to now17
- PresidentSean P. Downes Apr 1, 2013 to Mar 2, 201615
- PresidentBradley I. Meier Aug 8, 2007 to Aug 8, 200718
- Chief financial officerFrank Wilcox Oct 1, 2013 to now19
- Chief financial officerGeorge R. Deheer Oct 6, 2010 to Sep 23, 201320
- Chief financial officerJames M. Lynch Jun 13, 2006 to May 26, 201021
- Chief operating officerStephen Donaghy Apr 5, 2016 to Mar 8, 201922
- Chief operating officerSean P. Downes Jun 9, 2006 to Jun 27, 201123
Board members and other officers (23)
- Principal Accounting OfficerGary Lloyd Ropiecki Mar 21, 2023 to now24
- CIOKimberly D. Cooper Jun 12, 2015 to now25
- SVP and CO OfficerSean P. Downes Apr 5, 2012 to Feb 6, 201326
- See General RemarksBradley I. Meier Jun 27, 2011 to Jun 27, 201127
- Executive V.P., URA Inc.Stephen Donaghy May 27, 2010 to Jan 5, 201628
- SecretaryNorman M. Meier Jun 9, 2006 to Aug 10, 200729
- Board memberCarol G. Barton Jun 20, 2024 to now30
- Board memberShannon A. Brown Nov 9, 2022 to now31
- Board memberFrancis Xavier McCahill Iii. Aug 11, 2021 to now32
- Board memberMarlene Gordon Jul 2, 2020 to now33
- Board memberStephen Donaghy Oct 29, 2020 to now34
- Board memberKimberly D. Cooper Nov 29, 2018 to now35
- Board memberRalph J. Palmieri Jun 10, 2014 to Mar 18, 201936
- Board memberRichard D. Peterson Jun 10, 2014 to now37
- Board memberDarryl L. Lewis Jul 10, 2013 to Aug 3, 201838
- Board memberScott P. Callahan Jul 10, 2013 to now39
- Board memberMichael Pietrangelo Apr 5, 2010 to now40
- Board memberBradley I. Meier Jun 26, 2007 to Jun 25, 201216
- Board memberOzzie A. Schindler Aug 9, 2007 to now41
- Board memberJoel Wilentz Jun 9, 2006 to Jun 22, 202342
- Board memberNorman M. Meier Jun 9, 2006 to Jun 27, 201129
- Board memberReed Slogoff Jun 9, 2006 to Mar 13, 201443
- Board memberSean P. Downes Jun 9, 2006 to Jun 15, 202323
Named in SEC Form D filings
People the company listed in its private-offering notices.
Subsidiaries and ownership
Subsidiaries (Exhibit 21)
- 1. Coastal Homeowners Insurance Specialists, Inc. Florida4
- 10. Oak90 Capital, Inc. Florida4
- 11. Grand Palm Development Group, Inc. Florida4
- 12. Atlas Premium Finance Company Florida4
- 13. Blue Atlantic Reinsurance Corporation Florida4
- 14. American Platinum Property and Casualty Insurance Company) Florida4
- 15. Universal Logistics Corporation Florida4
- 16. Financial & Insurance Management Resources, Inc. Florida4
- 17. Universal Protection Plans, Inc. Florida4
- 2. Tigerquote.com Insurance Solutions of Ohio, Inc. Ohio4
- 3. Tigerquote.com Insurance Solutions of Pennsylvania, Inc. Pennsylvania4
- 4. Universal Adjusting Corporation (d/b/a Alder Adjusting) Florida4
- 5. Assurance Systems, Inc. Florida4
- 6. Universal Inspection Corporation (d/b/a Wicklow Inspection Corporation) Florida4
- 7. Protection Solutions, Inc. Florida4
- 8. Universal Property & Casualty Insurance Company Florida4
- 9. Evolution Risk Advisors, Inc. Florida4
The subsidiaries the company lists in Exhibit 21 of its annual report, as filed.
Former names
Timeline
- Jul 23, 20268-K Results of operations45
- Jul 8, 20268-K Regulation FD disclosure46
- Jun 18, 20268-K Entered a material agreement; New debt or obligation; Other events47
- Jun 15, 20268-K Shareholder vote48
- Jun 5, 20268-K Other events49
- May 28, 20268-K Other events50
- Apr 23, 20268-K Results of operations51
- Apr 10, 20268-K Regulation FD disclosure52
- Feb 24, 20268-K Results of operations53
- Feb 4, 20268-K Regulation FD disclosure54
- Jan 7, 20268-K Regulation FD disclosure55
- Nov 6, 20258-K Regulation FD disclosure56
- Aug 6, 2019New chief executive Stephen Donaghy becomes CEO14
- Apr 1, 2013New chief executive Sean P. Downes becomes CEO15
- Jun 26, 2007New chief executive Bradley I. Meier becomes CEO16
Calendar
Coming up
- Oct 22, 2026 · After the closeReports results for the quarter ending Sep/2026 A year earlier it reported $1.36 a share, on Oct 23, 2025.57
When it reported results
- Jul 23, 2026Reported quarterly or annual results45
- Apr 23, 2026Reported quarterly or annual results51
- Feb 24, 2026Reported quarterly or annual results53
- Oct 23, 2025Reported quarterly or annual results58
- Jul 24, 2025Reported quarterly or annual results59
- Apr 24, 2025Reported quarterly or annual results60
- Feb 25, 2025Reported quarterly or annual results61
- Oct 24, 2024Reported quarterly or annual results62
Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar
Filings
385 filings to the SEC since October 2021: 5 annual reports, 18 quarterly reports, 67 major events, 194 insider forms, 25 large holders, 1 private raises, 75 other. The latest 20:
- Sep 21, 2026424B3 EDGAR
- Sep 18, 2026EFFECT EDGAR
- Sep 11, 2026144 EDGAR
- Sep 11, 20264 EDGAR
- Sep 9, 2026S-4 EDGAR
- Aug 7, 20264 EDGAR
- Aug 5, 2026144 EDGAR
- Jul 30, 20264 EDGAR
- Jul 30, 202610-Q EDGAR
- Jul 23, 20268-K EDGAR
- Jul 8, 20268-K EDGAR
- Jun 29, 202611-K EDGAR
- Jun 18, 20268-K EDGAR
- Jun 15, 20268-K EDGAR
- Jun 12, 20264 EDGAR
- Jun 12, 20264 EDGAR
- Jun 12, 20264 EDGAR
- Jun 12, 20264 EDGAR
- Jun 12, 20264 EDGAR
- Jun 12, 20264 EDGAR
The 385 filings since October 2021 can be filtered by form type and year here when JavaScript is on.
Every filing from the last five years, summarized. The full record is on SEC EDGAR.
Insider trades
70 open-market trades by officers, directors and large owners since October 2021: 10 buys and 60 sales. Grants, option exercises and gifts are left out.
| Date | Who | Trade | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| Sep 11, 2026 | DOWNES SEAN PExecutive Chairman | Sale | 20,000 | $43.98 | $879.6K | Form 4 |
| Aug 5, 2026 | DOWNES SEAN PExecutive Chairman | Sale | 20,000 | $44.27 | $885.4K | Form 4 |
| Jun 11, 2026 | DOWNES SEAN PExecutive Chairman | Sale | 20,000 | $38.22 | $764.4K | Form 4 |
| May 15, 2026 | DOWNES SEAN PExecutive Chairman | Sale | 20,000 | $38.73 | $774.5K | Form 4 |
| May 13, 2026 | PIETRANGELO MICHAELDirector | Sale | 4,500 | $39.29 | $176.8K | Form 4 |
| May 12, 2026 | PIETRANGELO MICHAELDirector | Sale | 3,000 | $39.55 | $118.7K | Form 4 |
| Apr 29, 2026 | DOWNES SEAN PExecutive Chairman | Sale | 20,000 | $39.69 | $793.8K | Form 4 |
| Mar 31, 2026 | Campos Kimberly DCIO & CAO | Sale | 946 | $34.12 | $32.3K | Form 4 |
| Mar 30, 2026 | PETERSON RICHARD DDirector | Sale | 2,000 | $34.10 | $68.2K | Form 4 |
| Mar 26, 2026 | Campos Kimberly DCIO & CAO | Sale | 879 | $33.84 | $29.7K | Form 4 |
| Mar 25, 2026 | DOWNES SEAN PExecutive Chairman | Sale | 20,000 | $34.60 | $692.0K | Form 4 |
| Mar 3, 2026 | Campos Kimberly DCIO & CAO | Sale | 1,710 | $35.38 | $60.5K | Form 4 |
| Dec 30, 2025 | Donaghy StephenCEO | Sale | 25,000 | $33.77 | $844.2K | Form 4 |
| Dec 30, 2025 | PETERSON RICHARD DDirector | Sale | 1,855 | $33.61 | $62.3K | Form 4 |
| Dec 29, 2025 | Donaghy StephenCEO | Sale | 25,000 | $34.07 | $851.8K | Form 4 |
| Dec 19, 2025 | DOWNES SEAN PExecutive Chairman | Sale | 20,000 | $33.82 | $676.4K | Form 4 |
| Nov 25, 2025 | DOWNES SEAN PExecutive Chairman | Sale | 20,000 | $33.46 | $669.2K | Form 4 |
| Nov 14, 2025 | Springer JonDirector | Sale | 24,308 | $34.51 | $838.9K | Form 4 |
| Oct 30, 2025 | Springer JonDirector | Sale | 35,435 | $31.41 | $1.1M | Form 4 |
| Oct 29, 2025 | DOWNES SEAN PExecutive Chairman | Sale | 20,000 | $31.40 | $628.0K | Form 4 |
All 70 trades can be filtered by person here when JavaScript is on.
From Forms 4 filed with the SEC.
Major holders
Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.
- VANGUARD GROUP INCSCHEDULE 13G/A, 5 filings Feb 10, 2022 to Mar 27, 202663
- DONALD SMITH & CO., INC.SCHEDULE 13G, 7 filings Feb 5, 2024 to Feb 11, 202664
- Sean P. DownesSCHEDULE 13D/A, 2 filings Jul 25, 2025 to Jul 30, 202565
- DIMENSIONAL FUND ADVISORS LPSCHEDULE 13G/A, 4 filings Feb 8, 2022 to Jul 15, 202566
- Stephen DonaghySCHEDULE 13D, 1 filing Apr 7, 202567
- BlackRockSC 13G/A, 5 filings Jan 25, 2022 to Jan 26, 202468
- MILLENNIUM MANAGEMENT LLCSC 13G, 1 filing Sep 21, 202369
Executive pay
What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.
| Year | Executive | Age | Salary | Total pay |
|---|---|---|---|---|
| 2025 | Sean P. DownesExecutive Chairman | 56 | $1.0M | $12.3M70 |
| 2025 | Stephen J. DonaghyChief Executive Officer and Director | 61 | $1.0M | $5.2M70 |
| 2025 | Frank C. WilcoxChief Financial Officer | 60 | $600.0K | $1.4M70 |
| 2025 | Kimberly D. CamposChief Admin. Officer, Chief Information Officer and Director | 48 | $375.0K | $712.4K70 |
| 2024 | Stephen J. DonaghyChief Executive Officer and Director | 61 | $1.0M | $4.5M70 |
| 2024 | Sean P. DownesExecutive Chairman | 56 | $1.0M | $3.4M70 |
| 2024 | Frank C. WilcoxChief Financial Officer | 60 | $596.2K | $1.3M70 |
| 2024 | Kimberly D. CamposChief Admin. Officer, Chief Information Officer and Director | 48 | $373.7K | $678.7K70 |
| 2023 | Stephen J. DonaghyChief Executive Officer and Director | 61 | $1.0M | $4.4M70 |
| 2023 | Sean P. DownesExecutive Chairman | 56 | $1.0M | $3.5M70 |
| 2023 | Frank C. WilcoxChief Financial Officer | 60 | $500.0K | $860.0K70 |
| 2023 | Kimberly D. CamposChief Admin. Officer, Chief Information Officer and Director | 48 | $340.0K | $514.6K70 |
Money raised
Private offerings the company reported to the SEC on Form D.
- Nov 23, 2021Raised $100 million in a private offering of debt Form D: 40 investors so far Form D
Held by these funds
The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 100. Change is in shares since the quarter before.
13F reports cover disclosed long positions in U.S. stocks only.
SEC filer profile
How UNIVERSAL INSURANCE HOLDINGS, INC. is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.
- Name on EDGARUNIVERSAL INSURANCE HOLDINGS, INC.1
- CIK0000891166
- Employer ID (EIN)65-02319845
- Filer statusLarge accelerated filer not an emerging growth company; not a smaller reporting company; not a shell company5
- Incorporated inDelaware5
- Fiscal year endsDecember 311
- Industry code (SIC)6331 Fire, Marine & Casualty Insurance1
- SEC reviewing officeOffice of Finance, Division of Corporation Finance1
- Business address1110 W. Commercial Blvd., Suite 100, Fort Lauderdale, FL 333091
- Phone954-958-12001
- Shares outstanding27,830,355 as of Jul 27, 202612
- Public float$711.2M as of Jun 30, 20255
- AuditorPlante & Moran, PLLC, East Lansing, Michigan PCAOB ID 166; it also attests to the company’s internal control over financial reporting5
- On EDGAR sinceJul 19, 19961
- Filings1,420 in all: 4 (633), 8-K (295), 10-Q (56), 144 (48), 10QSB (36), SC 13G/A (35), DEF 14A (24), SC 13D/A (22)1
All 51 form types
4/A (20), 10-K (19), 3 (19), 5 (18), CORRESP (18), UPLOAD (15), SC 13G (14), 10KSB (12), DEFA14A (12), S-8 (12), 10QSB/A (9), NT 10-K (9), 11-K (8), 10KSB/A (7), 8-K/A (6), PRER14C (6), 10-Q/A (5), NT 10-Q (5), PRE 14A (5), SC 13D (5), SCHEDULE 13G (5), 424B3 (4), ARS (4), EFFECT (3), S-3/A (3), SCHEDULE 13G/A (3), 8-A12B (2), D (2), DEF 14C (2), DEFR14A (2), S-3 (2), S-4 (2), S-8 POS (2), SCHEDULE 13D/A (2), 10-C (1), 10-K/A (1), 144/A (1), 25 (1), 424B5 (1), CERTAMX (1), CERTNYS (1), PRE 14C (1), SCHEDULE 13D (1)
- Latest filingsAnnual report (10-K) Feb 27, 2026
Quarterly report (10-Q) Jul 30, 2026
Proxy statement (DEF 14A) Apr 24, 2026
Latest 8-K (8-K) Jul 23, 2026
Securities registered for trading
| Class | Symbol | Exchange |
|---|---|---|
| Common Stock, $0.01 Par Value | UVE | New York Stock Exchange |
From the cover page of the 10-K filed Feb 27, 2026 (Section 12(b) of the Exchange Act).5
Risk factors and legal proceedings
The risks UNIVERSAL INSURANCE HOLDINGS, INC. names in Item 1A of its 10-K filed Feb 27, 2026: 32 risks under these headings, as written.5
- RISKS RELATING TO OUR BUSINESS AND OPERATIONS
- As a property and casualty insurer, we may face significant losses, and our financial results may vary from period to period, due to exposure to catastrophic events and severe weather conditions, the frequency and severity of which are affected by climate change.
- Because we have significant exposure to the Florida market, our financial results are affected by the regulatory, economic and weather conditions in Florida.
- We have entered new markets and expect that we will continue to do so, but there can be no assurance that our diversification and growth strategy will be effective.
- Actual claims incurred have exceeded, and in the future may exceed, reserves established for claims, adversely affecting our operating results and financial condition.
- If we fail to adequately price the risks we underwrite, if emerging trends outpace our ability to adjust prices in a timely manner, or if we lose desirable exposures to competitors by overpricing our risks, we may experience underwriting losses, thereby depleting surplus at the Insurance Entities and capital at the holding company.
- Unanticipated increases in the severity or frequency of claims adversely affect our profitability and financial condition.
- The failure of the risk mitigation strategies we utilize could have a material adverse effect on our financial condition or results of operations.
- Pandemics and macroeconomic conditions could impact our business, financial results and growth.
- Because we rely on independent insurance agents, the loss of these independent agent relationships and the business they control or our ability to attract new independent agents could have an adverse impact on our business.
- We rely on models as a tool to evaluate risk, and those models are inherently uncertain and may not accurately predict existing or future losses.
- Reinsurance may be unavailable in the future at reasonable levels and prices or on reasonable terms, which may limit our ability to write new business or to adequately mitigate our exposure to loss.
The other 21 risks
- Reinsurance subjects us to the credit risk of our reinsurers, which could have a material adverse effect on our operating results and financial condition.
- Our financial condition and operating results are subject to the cyclical nature of the property and casualty insurance business.
- An overall decline in the housing market or general economic conditions could have a material adverse effect on the financial condition and results of operations of our business.
- Our success depends, in part, on our ability to attract, retain, and develop talented employees, and the loss of any one of our key personnel could adversely impact our operations.
- We could be adversely affected if our controls designed to ensure compliance with guidelines, policies and legal and regulatory standards are not effective.
- The failure of our claims professionals to effectively manage claims could adversely affect our insurance business and financial results.
- Litigation or regulatory actions could result in material settlements, judgments, fines, or penalties and consequently have a material adverse impact on our financial condition and reputation.
- Failure to maintain or enhance our brand or damage to our reputation could adversely impact our business.
- Our future results are dependent in part on our ability to successfully operate in a highly competitive insurance industry.
- A downgrade in our financial strength or stability ratings may have an adverse effect on our competitive position, the marketability of our product offerings, and our liquidity, operating results and financial condition.
- Breaches or other failures of our information systems or denial of service on our website could have an adverse impact on our business and reputation.
- Our ability to implement or adjust to technological changes, especially regarding AI, may be limited, or we could introduce technology containing errors, which may trigger regulatory issues and put us at a competitive disadvantage.
- Lack of effectiveness of exclusions and other loss limitation methods in the insurance policies we write or changes in laws and/or potential regulatory approaches relating to them could have a material adverse effect on our financial condition or results of operations.
- RISKS RELATING TO INVESTMENTS
- We are subject to market risk, which may adversely affect investment income.
- Our overall financial performance depends in part on the returns on our investment portfolio.
- RISKS RELATING TO THE INSURANCE INDUSTRY
- We are subject to extensive regulation, and potential further restrictive regulation may increase our operating costs and limit our growth and profitability.
- UVE is a holding company and, consequently, its cash flow is dependent on dividends and other permissible payments from its subsidiaries.
- Regulations limiting rate changes and requiring us to participate in loss sharing or assessments may decrease our profitability.
- The amount of statutory capital and surplus that each of the Insurance Entities has and the amount of statutory capital and surplus it must hold vary and are sensitive to a number of factors outside of our control, including market conditions and the regulatory environment and rules.
- RISKS RELATING TO DEBT OBLIGATIONS
- To service our debt, we will require a significant amount of cash. Our ability to generate cash depends on many factors.
- Our indebtedness could adversely affect our financial results and prevent us from fulfilling our obligations under the Notes.
Legal proceedings
Lawsuits and other legal proceedings are filed against the Company from time to time. These legal matters typically include civil and administrative or regulatory considerations for which the Company obtains internal or third-party legal or other assistance to provide guidance, and when applicable, to represent and protect the Company’s interest.
Many of these legal proceedings involve disputes as to coverage or the scope and amount of damage arising from claims under contracts or policies that the Company underwrites. The Company establishes reserves for its anticipated claims obligations and records an estimate for expected reinsurance recoveries. From time to time, the Company is also involved in various other legal proceedings unrelated to claims disputes. The Company contests liability and/or the amount of damages as it considers appropriate according to the facts and circumstances of each matter.
In accordance with applicable accounting guidance, the Company establishes an accrued liability for legal matters when those matters present loss contingencies that are both probable and estimable.
Legal proceedings are subject to many factors that cannot be predicted with certainty, and the Company may be exposed to losses in excess of any amounts accrued. The Company currently estimates that the reasonably possible losses for legal proceedings, whether in excess of a related accrued liability, including reserves, or where there is no accrued liability, and for which the Company is able to estimate a possible loss, are immaterial. This represents management’s estimate of possible loss with respect to these matters and is based on currently available information. These estimates of possible loss do not represent our maximum loss exposure, and actual results may vary significantly from current estimates.
The opening of Item 3, Legal Proceedings.5
Sources
The numbers on this page point here. Each one links to the record it came from.
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- 17SEC EDGARSean P. Downes, Chair
- 18SEC EDGARBradley I. Meier, President
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- 25SEC EDGARKimberly D. Cooper, CIO
- 26SEC EDGARSean P. Downes, SVP and CO Officer
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- 29SEC EDGARNorman M. Meier, Secretary
- 30SEC EDGARCarol G. Barton, Board member
- 31SEC EDGARShannon A. Brown, Board member
- 32
- 33SEC EDGARMarlene Gordon, Board member
- 34SEC EDGARStephen Donaghy, Board member
- 35SEC EDGARKimberly D. Cooper, Board member
- 36SEC EDGARRalph J. Palmieri, Board member
- 37SEC EDGARRichard D. Peterson, Board member
- 38SEC EDGARDarryl L. Lewis, Board member
- 39SEC EDGARScott P. Callahan, Board member
- 40SEC EDGARMichael Pietrangelo, Board member
- 41SEC EDGAROzzie A. Schindler, Board member
- 42SEC EDGARJoel Wilentz, Board member
- 43SEC EDGARReed Slogoff, Board member
- 44
- 45SEC EDGARResults of operations
- 46SEC EDGARRegulation FD disclosure
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- 48SEC EDGARShareholder vote
- 49SEC EDGAROther events
- 50SEC EDGAROther events
- 51SEC EDGARResults of operations
- 52SEC EDGARRegulation FD disclosure
- 53SEC EDGARResults of operations
- 54SEC EDGARRegulation FD disclosure
- 55SEC EDGARRegulation FD disclosure
- 56SEC EDGARRegulation FD disclosure
- 57NasdaqNasdaq calendar
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