UVE · Universal Insurance Holdings, Inc.
Price & Indicators
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Latest filings
Universal Insurance Holdings reported third-quarter 2026 results: diluted GAAP EPS of $1.80, adjusted EPS of $1.93, direct premiums written of $608.9 million, and book value per share of $23.37; net combined ratio was 91.0%.
Read the 8-KMetrics snapshot
Useful current figures from the complete screener profile.
AI Brief
Q3 FY26 earnings call · Oct 22, 2026TL;DR. Universal delivered strong third-quarter profitability and revenue growth, with adjusted diluted EPS of $1.93, core revenue of $444.3 million, and a net combined ratio of 91.0%. Claims from Hurricane Isaias were less significant than initially anticipated, although the net expense ratio increased 0.2 points, partly offsetting the lower loss ratio.
- + Adjusted diluted EPS increased 41.9% year over year to $1.93. new
- + Core revenue increased 11.1% year over year to $444.3 million. new
- + The net combined ratio improved 5.4 points to 91.0%.
- + Hurricane Isaias claims activity was less significant than initially anticipated. new
- − The net expense ratio increased 0.2 points to 26.4%, partly offsetting the lower loss ratio. new
- − Florida direct premiums written declined 3.3%, partly offsetting growth elsewhere. new
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Equibles Rating
blended score · not investment adviceBlended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Strong BuyIllustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Adjusted book value per common share non-GAAP | $25.9 | As of September 30, 2026 | — |
| Adjusted common stockholders’ equity non-GAAP | $715.87M | As of September 30, 2026 | — |
| Adjusted NI available to common stockholders non-GAAP | $167.44M | Nine Months Ended September 30, 2026 | — |
| Adjusted operating income non-GAAP | 229.06M | Nine Months Ended September 30, 2026 | — |
| Adjusted operating income margin non-GAAP | 18.2% | Nine Months Ended September 30, 2026 | — |
| Annualized adjusted NI available to common stockholders non-GAAP | $223.25M | Nine Months Ended September 30, 2026 | — |
| Annualized adjusted ROCE non-GAAP | 34.5% | Nine Months Ended September 30, 2026 | — |
| Annualized ROCE | 37% | Nine Months Ended September 30, 2026 | — |
| Ceded premium ratio | 30.3% | Nine Months Ended September 30, 2026 | — |
| Ceded premiums earned | -495.58M | Nine Months Ended September 30, 2026 | — |
| Combined ratio | 90.8% | Nine Months Ended September 30, 2026 | — |
| Core revenue non-GAAP | $1.26B | Nine Months Ended September 30, 2026 | — |
| Diluted adjusted earnings per common share non-GAAP | $5.78 | Nine Months Ended September 30, 2026 | — |
| Direct premiums earned | 1.63B | Nine Months Ended September 30, 2026 | — |
| Direct premiums written | 1.74B | Nine Months Ended September 30, 2026 | — |
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| Direct premiums written - Florida | $1.23B | Nine Months Ended September 30, 2026 | — |
| Direct premiums written - Other States | $508.23M | Nine Months Ended September 30, 2026 | — |
| Expense ratio | 26.3% | Nine Months Ended September 30, 2026 | — |
| Loss ratio | 64.5% | Nine Months Ended September 30, 2026 | — |
| Net premiums earned | 1.14B | Nine Months Ended September 30, 2026 | — |
| Other operating costs and expenses ratio | 8.4% | Nine Months Ended September 30, 2026 | — |
| Policies in force | 953,611 | As of September 30, 2026 | — |
| Premiums in force | $2.23B | As of September 30, 2026 | — |
| Total Insured Value | $429.57B | As of September 30, 2026 | — |
| Net loss ratio | 64.8% | the three months ended June 30, 2026 filing | — |
| Total expense ratio | 26.8% | the three months ended June 30, 2026 filing | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Insurance - Property & Casualty — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
UVE
this stock
Universal Insurance Holdings, Inc.
|
$1.33B | +39.7% | +5.5% | 6.3 | 3.2% |
|
CB
Chubb Ltd
|
$138.18B | +14.1% | +6.5% | 12.6 | 0.8% |
|
PGR
Progressive Corp
|
$133.28B | -0.9% | +16.3% | 11.5 | 1.2% |
|
TKOMY
Tokio Marine Holdings, Inc.
|
$103.84B | — | — | — | 0.0% |
|
TRV
Travelers Companies, Inc.
|
$80.92B | +36.9% | +5.2% | 10.4 | 2.8% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every section- Filed
- Oct 22, 2026
- This year
- 19
Universal Insurance Holdings reported third-quarter 2026 results: diluted GAAP EPS of $1.80, adjusted EPS of $1.93, direct premiums written of $608.9 million, and book value per share of $23.37; net combined ratio was 91.0%.
ViewPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| UVE | -1.4% | +11.8% | +17.1% | +12.2% | +39.7% |
| SPY | +0.1% | +0.7% | +4.9% | +0.9% | +12.9% |
| vs SPY | -1.5% | +11.1% | +12.2% | +11.2% | +26.8% |
Capital returns
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.