UNIVERSAL INSURANCE HOLDINGS, INC. (UVE) FY2025 10-K Annual Report
UNIVERSAL INSURANCE HOLDINGS, INC. (UVE) 10-K annual report for fiscal year 2025, filed with SEC EDGAR on Feb 27, 2026. This page provides AI-powered analysis including business overview, management discussion & analysis (MD&A), risk factors, and key financial data such as revenue, net income, gross margin, operating margin, and return on equity (ROE) extracted from XBRL.
UNIVERSAL INSURANCE HOLDINGS, INC. FY2025 10-K Analysis
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
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%
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
UNIVERSAL INSURANCE HOLDINGS, INC. FY2025 Key Financial MetricsXBRL
Revenue
$1.6B
▲ +5.5% YoY
Net Income
$183M
▲ +210.5% YoY
Net Margin
11.4%
▲ +753bp YoY
ROE
33.2%
▲ +1741bp YoY
Total Assets
$2.8B
▼ -0.1% YoY
EPS (Diluted)
$6.32
▲ +214.4% YoY
Operating Cash Flow
$381M
▲ +177.7% YoY
Source: XBRL data from UNIVERSAL INSURANCE HOLDINGS, INC. FY2025 10-K filing on SEC EDGAR. All figures in USD.
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