Inferra AI / Company / UVE
Universal Insurance Holdings, Inc..
UVE · Financials
Last earnings Oct 22, 2026
Key results
Net incomequarter
$59.2 million
2 Net Income and Adjusted Net Income Net income available to common stockholders was $59.2 million, compared to net income of $35.1 million in the prior year quarter, and adjusted net income available to common stockholders was $53.4 million, compared to adjusted net income of $35.7 million in the prior year quarter.
SEC original ↗Universal Insurance Holdings, Inc.. — Earnings release (8-K exhibit)EX-99Jul 23, 2026
Revenuequarter
$427.0 million
Revenues Revenue was $427.0 million, up 6.7% from the prior year quarter and core revenue was $419.4 million, up 4.6% from the prior year quarter.
SEC original ↗Universal Insurance Holdings, Inc.. — Earnings release (8-K exhibit)EX-99Jul 23, 2026
Growthquarter
up 6.7%
Revenues Revenue was $427.0 million, up 6.7% from the prior year quarter and core revenue was $419.4 million, up 4.6% from the prior year quarter.
SEC original ↗Universal Insurance Holdings, Inc.. — Earnings release (8-K exhibit)EX-99Jul 23, 2026
Commissions, policy fees and other revenue were $21.9 million, down 6.7% from the prior year quarter.
SEC original ↗Universal Insurance Holdings, Inc.. — Earnings release (8-K exhibit)EX-99Jul 23, 2026
Margins The operating incomequarter
19.1%
Margins The operating income margin was 19.1%, compared to an operating income margin of 12.0% in the prior year quarter.
SEC original ↗Universal Insurance Holdings, Inc.. — Earnings release (8-K exhibit)EX-99Jul 23, 2026
Adjusted operating incomequarter
17.6%
The adjusted operating income margin was 17.6%, compared to an adjusted operating income margin of 12.2% in the prior year quarter.
SEC original ↗Universal Insurance Holdings, Inc.. — Earnings release (8-K exhibit)EX-99Jul 23, 2026
AI analysis
Q2 2026 · reported Jul 23, 2026
Based on: Earnings release + parent 8-K + 10-Q — transcript not held
Headline figures
| Metric | Q2 2026 | Prior qtr | Year ago |
|---|---|---|---|
| Net income | $59.2 million | — | — |
| Revenue | $427.0 million | — | — |
| Growth | up 6.7% | — | — |
| Margins The operating income | 19.1% | — | — |
| Adjusted operating income | 17.6% | — | — |
Guidance · company-stated
No guidance located in the held release
Capital allocation
Adjusted operating income (loss) excludes the items above and interest and amortization of debt issuance costs.
3 Capital Deployment During the second quarter, the Company repurchased approximately 122 thousand shares at an aggregate cost of $4.5 million.
Event summary
Fort Lauderdale, Fla., July 23, 2026 Universal Insurance Holdings (NYSE UVE) ( Universal or the Company ) reported second quarter 2026 results
Based on: Earnings release + parent 8-K + 10-Q — transcript not held
Guidance & outlook
No guidance located in the held release
Capital allocation
Adjusted operating income (loss) excludes the items above and interest and amortization of debt issuance costs.
SEC original ↗Universal Insurance Holdings, Inc.. — Earnings release (8-K exhibit)EX-99Jul 23, 2026
3 Capital Deployment During the second quarter, the Company repurchased approximately 122 thousand shares at an aggregate cost of $4.5 million.
SEC original ↗Universal Insurance Holdings, Inc.. — Earnings release (8-K exhibit)EX-99Jul 23, 2026
The Company s current share repurchase authorization program has approximately $8.6 million remaining.
SEC original ↗Universal Insurance Holdings, Inc.. — Earnings release (8-K exhibit)EX-99Jul 23, 2026
On July 8, 2026, the Board of Directors declared a quarterly cash dividend of 16 cents per share of common stock, payable on August 7, 2026, to shareholders of record as of the close of business on July 31, 2026.
SEC original ↗Universal Insurance Holdings, Inc.. — Earnings release (8-K exhibit)EX-99Jul 23, 2026
Adjusted operating income (loss) and adjusted operating income (loss) margin exclude the impact of net realized gains (losses) on investments and net change in unrealized gains (losses) on investments and interest and amortization of debt issuance costs.
SEC original ↗Universal Insurance Holdings, Inc.. — Earnings release (8-K exhibit)EX-99Jul 23, 2026
9 Table of Contents NOTE 3 - INVESTMENTS Available-for-Sale Securities The following table provides the amortized cost and fair value of available-for-sale debt securities as of the dates presented (in thousands): June 30, 2026 Amortized Cost Allowance for Expected Credit Losses Gross Unrealized Gains Gross Unrealized Losses Fair Value Debt Securities: U.
SEC original ↗Universal Insurance Holdings, Inc.. — 10-Q Quarterly report10-QJul 30, 2026
Strategy & priorities
Investors Media Arash Soleimani, CFA, CPA, CPCU, ARe Chief Strategy Officer 954-804-8874 asoleimani universalproperty.
SEC original ↗Universal Insurance Holdings, Inc.. — Earnings release (8-K exhibit)EX-99Jul 23, 2026
The Company weighs all available positive and negative evidence, including its earnings history and results of recent operations, scheduled reversals of deferred tax liabilities, projected future taxable income, and tax planning strategies.
SEC original ↗Universal Insurance Holdings, Inc.. — 10-Q Quarterly report10-QJul 30, 2026
Risks & headwinds
Notably, the net loss ratio improved by 7.5 points year-over-year, driven by favorable claims and litigation trends that we expect to benefit non-catastrophe margins throughout the year.
SEC original ↗Universal Insurance Holdings, Inc.. — Earnings release (8-K exhibit)EX-99Jul 23, 2026
The favorable claims and litigation trends in our results are a direct product of Florida s legislative reforms.
SEC original ↗Universal Insurance Holdings, Inc.. — Earnings release (8-K exhibit)EX-99Jul 23, 2026
Our litigation inventory is back down to levels that preceded Florida s litigation crisis, and the impact of pre-reform claims practices is behind us.
SEC original ↗Universal Insurance Holdings, Inc.. — Earnings release (8-K exhibit)EX-99Jul 23, 2026
Forward-looking statements are inherently subject to risks and uncertainties, some of which cannot be predicted or quantified.
SEC original ↗Universal Insurance Holdings, Inc.. — Earnings release (8-K exhibit)EX-99Jul 23, 2026
Legal Proceedings 53 Item 1A.
SEC original ↗Universal Insurance Holdings, Inc.. — 10-Q Quarterly report10-QJul 30, 2026
Litigation Lawsuits and other legal proceedings are filed against the Company from time to time.
SEC original ↗Universal Insurance Holdings, Inc.. — 10-Q Quarterly report10-QJul 30, 2026
Earnings deck slides
0 decks with slide viewUniversal Insurance Holdings, Inc.. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Universal Insurance Holdings, Inc.. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Universal Insurance Holdings, Inc.. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Universal Insurance Holdings, Inc.. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Competitors
Competitors & peers
Same GICS sector — classification peers, not declared competitors
Filings
27 documentsEarnings releases
3 documentsPresentations
4 documents
Transcripts
0 documentsNo transcripts for Universal Insurance Holdings, Inc.. are held in this edition of the library.
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