UVE at a glance
UNIVERSAL INSURANCE HOLDINGS, INC. (UVE, SEC CIK 891166) filed its latest 10-K annual report on February 27, 2026, a 10-Q quarterly report on July 30, 2026, an 8-K current report on July 23, 2026 and Form 4 insider filings as recently as September 11, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), UNIVERSAL INSURANCE HOLDINGS, INC. (UVE) reported revenue of $1.6 billion (up 5.5% from FY2024) and net income of $183.0 million. Diluted EPS was $6.32.
- As of June 30, 2026, 30 institutional investment managers tracked by SignalX reported holding UNIVERSAL INSURANCE HOLDINGS, INC. (UVE) shares worth $430.6 million in 13F-HR filings.
- The most recent insider open-market sale reported on Form 4 was by DOWNES SEAN P on September 11, 2026 of 20,000 shares at $43.98 per share.
- In the last 90 days, UVE insiders reported 0 open-market purchases ($0) and 2 open-market sales ($1.8M) on Form 4, a net sale of $1.8M.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $1.6B
- +5.5% vs prior year
- Insiders · 90 days
- 0 buys · 2 sells
- Net −$1.8M
- 13F holders
- 30 funds
- $430.6M · −3 vs prior quarter
- Latest 8-K
- Jul 23, 2026
- Item 2.02
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
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
AI summary of the UVE 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Reinsurance recoverables $176.9M, down $56.0M from December 31, 2025
- Premiums receivable $85.5M, up $9.8M from December 31, 2025
- Deferred policy acquisition costs $135.2M, up $6.7M from December 31, 2025
Risk Factors
- Risk factors incorporated by reference from December 31, 2025 Form 10-K
- New $20.0 million share-repurchase authorization through January 8, 2028
- New 7.75% senior unsecured notes due 2031, issued June 16, 2026
- New May 29, 2026 credit agreement with JPMorgan Chase Bank as administrative agent
AI summary of the UVE 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 2.02: Results of Operations and Financial Condition
- UVE announced fiscal quarter results for the period ended June 30, 2026
- Financial details are contained in Exhibit 99.1, the attached earnings press release
Item EX-99.1: Item EX-99.1
- Q2 GAAP EPS $2.04 and adjusted EPS $1.84, up 68.6% and 49.6% year-over-year
- Combined ratio improved to 91.6% from 97.8%, driven by a 7.5-point net loss-ratio improvement
Item 7.01: Regulation FD Disclosure
- Quarterly cash dividend of $0.16 per common share declared
- Payable August 7, 2026 to shareholders of record July 31, 2026
Item 8.01: Other Events
- Conditional redemption announced for all outstanding 2026 Notes
- Redemption dependent on completing the company’s private placement
Item 1.01: Entry into a Material Definitive Agreement
- $100M issued in 7.75% senior unsecured notes due June 30, 2031
- Proceeds intended partly to redeem outstanding 5.625% senior notes due 2026, extending maturity but increasing stated interest cost
AI summaries of UVE 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for UVE
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- Fund moves. Which tracked funds opened, added or cut UVE, by share count.
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| DOWNES SEAN P | Sell | Sep 11, 2026 | 20,000 | $43.98 |
| DOWNES SEAN P | Sell | Aug 5, 2026 | 20,000 | $44.27 |
| DOWNES SEAN P | F | Jul 28, 2026 | 23,610 | $44.22 |
| DOWNES SEAN P | Sell | Jun 11, 2026 | 20,000 | $38.22 |
| Callahan Scott P. | A | Jun 11, 2026 | 3,414 | - |
| Brown Shannon A | A | Jun 11, 2026 | 3,414 | - |
| Springer Jon | A | Jun 11, 2026 | 3,414 | - |
| DOWNES SEAN P | Sell | May 15, 2026 | 19,518 | $38.71 |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | $1.4B | $1.5B | $1.6B |
| Net Income | $66.8M | $58.9M | $183.0M |
| Net Margin | 4.8% | 3.9% | 11.4% |
| Balance Sheet | |||
| Total Assets | $2.3B | $2.8B | $2.8B |
| Equity | $341.3M | $373.3M | $551.0M |
| ROE | 19.6% | 15.8% | 33.2% |
| Per Share | |||
| EPS | - | $2.01 | $6.32 |
| Cash Flow | |||
| Operating CF | $71.0M | $137.4M | $381.5M |
| CapEx | $4.0M | $7.4M | $4.4M |
Source: XBRL data in UNIVERSAL INSURANCE HOLDINGS, INC. (UVE)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate UVE share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 30 | $430.6M |
| Q1 2026 | 33 | $351.2M |
| Q4 2025 | 28 | $339.1M |
| Q3 2025 | 28 | $284.0M |
| Q2 2025 | 29 | $299.5M |
| Q1 2025 | 25 | $188.6M |
| Q4 2024 | 20 | $129.2M |
| Q3 2024 | 18 | $94.8M |
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- Goldman Sachs Group−101.8K (-16%)
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- Two Sigma Investments−60.6K (-9%)
- Citadel Advisors LLC−37.2K (-57%)
Source: 13F-HR filings on SEC EDGAR (aggregated from 211 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
UVE filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 4 | Sep 11, 2026 | - | - | - |
| 4 | Aug 7, 2026 | - | - | - |
| 4 | Jul 30, 2026 | - | - | - |
| 10-Q | Jul 30, 2026 | Jun 30, 2026 | Analysis | |
| 8-K | Jul 23, 2026 | - | Analysis | - |
| 8-K | Jul 8, 2026 | - | Analysis | - |
| 8-K | Jun 18, 2026 | - | Analysis | - |
| 8-K | Jun 15, 2026 | - | Analysis | - |
| 4 | Jun 12, 2026 | - | - | - |
| 4 | Jun 12, 2026 | - | - | - |
| 4 | Jun 12, 2026 | - | - | - |
| 4 | Jun 12, 2026 | - | - | - |
| 8-K | Jun 5, 2026 | - | Analysis | |
| 8-K | May 28, 2026 | - | Analysis | |
| 4 | May 15, 2026 | - | - | |
| 4 | May 14, 2026 | - | - | |
| 4 | Apr 30, 2026 | - | - | - |
| 10-Q | Apr 29, 2026 | Mar 31, 2026 | Analysis | |
| 8-K | Apr 23, 2026 | - | Analysis | - |
| 8-K | Apr 10, 2026 | - | Analysis | - |
| 4 | Mar 31, 2026 | - | - | - |
| 4 | Mar 31, 2026 | - | - | - |
| 4 | Mar 31, 2026 | - | - | - |
| 4 | Mar 31, 2026 | - | - | - |
| 4 | Mar 31, 2026 | - | - | - |
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UVE SEC filings: frequently asked questions
Are UVE insiders buying or selling?
In the last 90 days, UNIVERSAL INSURANCE HOLDINGS, INC. (UVE) officers, directors and 10% owners reported no open-market purchases and 2 open-market sales worth $1.8 million by 1 insider on Form 4. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
Which institutions hold UVE stock?
As of June 30, 2026, the largest UNIVERSAL INSURANCE HOLDINGS, INC. (UVE) holders among the 13F filers tracked by SignalX were BlackRock ($111.0 million), Dimensional Fund Advisors ($53.5 million), Vanguard Capital Management LLC ($45.9 million), Vanguard Portfolio Management LLC ($38.9 million), State Street Corp ($26.6 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was UVE's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), UNIVERSAL INSURANCE HOLDINGS, INC. (UVE) reported revenue of $1.6 billion (up 5.5% from FY2024) and net income of $183.0 million. Diluted EPS was $6.32. The figures come from the XBRL data in the 10-K.
What are the main risks in UVE's latest 10-K?
In the 10-K filed February 27, 2026, UNIVERSAL INSURANCE HOLDINGS, INC. (UVE) flagged: 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. (AI summary of the Risk Factors section.)
What did UVE report in its latest 8-K?
UNIVERSAL INSURANCE HOLDINGS, INC. (UVE) filed an 8-K on July 23, 2026 reporting Item 2.02 (Results of Operations and Financial Condition). UVE announced fiscal quarter results for the period ended June 30, 2026.
What are the latest UVE SEC filings?
UNIVERSAL INSURANCE HOLDINGS, INC. (UVE) filed its latest 10-K annual report on February 27, 2026, a 10-Q quarterly report on July 30, 2026, an 8-K current report on July 23, 2026 and a Form 4 insider filing on September 11, 2026.
What is UVE's SEC CIK number?
UNIVERSAL INSURANCE HOLDINGS, INC. (UVE)'s SEC Central Index Key (CIK) is 891166. EDGAR lists every UVE filing under that number.
Ask anything about UVE
The research agent reads UVE's filings, financials, insider trades and 13F holders, then answers with sources.