UVE UNIVERSAL INSURANCE HOLDINGS, INC.

company

SEC Filings & Insider Trading Activity 2026

Business Overview

• • Core business: Insurance and investment management focusing on fixed income and equity financial instruments
• • Emphasis on increased fixed income portfolio size to $1.47B amortized cost as of Dec 31, 2025, up from $1.35B in 2024
• • Shift toward higher coupon and book yields, with effective maturity extending to 4.5 years vs 4.1 years prior year
• • Equity securities exposure rose to $85.4M from $77.8M, notably higher allocation to common stock at 43.9% vs 18.5% in 2024
• • Market value risk sensitivity increased with potential 20% equity price decline impact rising to $17.1M from $15.6M year over year

Risk Factors

• • Florida insurance market risk: Uncertainty on long-term benefit of Dec 2022 Florida reforms impacting pricing and policy availability
• • Macroeconomic exposure: Labor/materials cost inflation driving increased claims expenses and offsetting reform benefits
• • Supply chain vulnerability: Heavy dependence on global catastrophe reinsurance markets affected by inflation and severe weather
• • Competitive threat: Entry of 17 new insurers in Florida post-2022 reforms increasing market competition and reducing Citizens’ policy count by ~1 million
• • Financial risk: Florida premiums declined 2.8% ($44.1M) in 2025 while out-of-state premiums grew 24.3% ($114.7M), impacting revenue mix and growth

Management Discussion & Analysis

• • Net premiums earned $1.37B, up 9.7% YoY from $1.25B in 2023 driven by a 7.7% increase in direct premiums written
• • Combined ratio 104.1% vs 103.6% in 2023; policy acquisition and operating expense ratio 24.9% vs 24.3%
• • Best segment: Net investment income $59.1M, up 22.1% YoY from $48.4M; Worst: Commission revenue down 4.2% to $51.8M from $54.1M
• • Net losses and LAE $1.09B with 79.2% net loss ratio vs $992.6M and 79.3% ratio in 2023, driven by hurricanes Helene and Milton losses of $156M
• • Income tax expense $25.7M with effective tax rate increased to 30.4% from 24.4%, interest expense stable at $6.5M
• • Management notes ongoing claims uncertainty from pre-reform Florida policies, expects gradual benefit realization from new legislation over several years

What are the latest UVE SEC filings in 2026?

UNIVERSAL INSURANCE HOLDINGS, INC. (UVE) has filed a 10-K annual report on February 27, 2026, a 10-Q quarterly report on April 29, 2026, an 8-K current report on July 23, 2026 with the SEC. SignalX tracks every new SEC EDGAR filing daily, including 10-K, 10-Q, 8-K, and Form 4 insider transactions, with AI-powered summaries of key sections.

When did UVE file its most recent 10-K annual report?

UNIVERSAL INSURANCE HOLDINGS, INC. (UVE) filed its most recent 10-K annual report on February 27, 2026. The 10-K includes audited financial statements, business overview, risk factors, and management discussion, all available on SignalX with AI-generated summaries and XBRL financial data.

How do I view UVE 10-Q quarterly reports?

UNIVERSAL INSURANCE HOLDINGS, INC. (UVE)'s most recent 10-Q quarterly report was filed on April 29, 2026. SignalX displays every UVE 10-Q with AI-generated summaries of the MD&A (Management Discussion & Analysis) and Risk Factors sections, plus links to the original SEC EDGAR document.

What 8-K current reports has UVE filed recently?

UNIVERSAL INSURANCE HOLDINGS, INC. (UVE)'s most recent 8-K was filed on July 23, 2026. 8-K filings disclose material corporate events such as earnings releases, executive changes, mergers, and other significant developments. SignalX surfaces each 8-K with item-level summaries so you can quickly see what happened.

Where can I find UVE insider trading activity (Form 4)?

SignalX aggregates every UVE Form 4 insider transaction from SEC EDGAR. Form 4 reports show when officers, directors, and 10% shareholders buy or sell company stock, with transaction code, share count, and price per share.

How often does UVE file with the SEC?

UNIVERSAL INSURANCE HOLDINGS, INC. (UVE) files a 10-K annual report once per year (typically within 60 days of fiscal year-end) and 10-Q quarterly reports three times per year. 8-K current reports are filed as needed when material events occur, and Form 4 insider transaction reports are due within two business days of a trade. SignalX monitors SEC EDGAR daily to surface every new UVE filing with AI-powered analysis.

What is the difference between 10-K, 10-Q, and 8-K SEC filings?

A 10-K is a comprehensive annual report with audited financials, business overview, and risk factors. A 10-Q is a shorter quarterly report with unaudited financials and management discussion. An 8-K is a current report filed when a material event occurs, such as earnings releases, executive changes, acquisitions, or other significant developments. SignalX provides AI-generated summaries for all three filing types for UNIVERSAL INSURANCE HOLDINGS, INC. (UVE).

What is UVE's SEC CIK number?

UNIVERSAL INSURANCE HOLDINGS, INC. (UVE)'s SEC CIK (Central Index Key) number is 891166. The CIK is a unique identifier assigned by the SEC to every filing entity. You can use CIK 891166 to look up all UVE filings on SEC EDGAR, or browse them here on SignalX with AI-powered analysis.

Where can I find UVE return on equity (ROE) and financial data?

SignalX extracts XBRL financial data from UNIVERSAL INSURANCE HOLDINGS, INC. (UVE) 10-K annual filings, including revenue, net income, gross profit, operating income, EPS, total assets, stockholders' equity, and operating cash flow. Return on equity (ROE) can be derived from net income divided by stockholders' equity. Multi-year financial trends are displayed in the Financial Summary table above.