← UNIVERSAL INSURANCE HOLDINGS, INC. UVE
Market Price
$43.13
Market Cap
$1.19B
P/E Ratio
6.82
Revenue (FY 2025)
↑5.5% YoY
$1.60B
3-Yr CAGR: 9.5%
Net Income
↑210.5% YoY
$182.95M
Net Margin: 11.4%
Free Cash Flow
↑190.1% YoY
$377.06M
FCF Yield: 31.80%
EPS (Diluted)
↑214.4% YoY
$6.32
Basic: $6.56
Return on Equity
Efficiency
33.2%
ROA: 6.4%
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (UVE)
All monetary values in millions ($M)| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|
| FY 2016 | $685.3M | — | $383.7M | $99.4M | — | $2.79 | — | $121.4M | $113.2M | — |
| FY 2017 | $751.9M | +9.7% | $401.2M | $106.9M | +7.6% | $2.99 | +7.2% | $245.0M | $240.4M | +112.4% |
| FY 2018 | $20.3M | -97.3% | $20.0M | $117.1M | +9.5% | $3.27 | +9.4% | $230.1M | $223.4M | -7.1% |
| FY 2019 | $21.6M | +6.3% | $21.4M | $46.5M | -60.3% | $1.36 | -58.4% | $84.6M | $73.3M | -67.2% |
| FY 2020 | $1,072.8M | +4,875.7% | $313.9M | $19.1M | -58.9% | $0.60 | -55.9% | $29.3M | $12.1M | -83.4% |
| FY 2021 | $1,121.9M | +4.6% | $342.0M | $20.4M | +6.8% | $0.65 | +8.3% | $234.4M | $227.2M | +1,772.3% |
| FY 2022 | $1,222.7M | +9.0% | $277.6M | $-22.3M | -209.1% | $-0.72 | -210.8% | $324.5M | $319.6M | +40.7% |
| FY 2023 | $1,391.6M | +13.8% | $392.4M | $66.8M | +400.2% | $2.22 | +408.3% | $71.0M | $67.0M | -79.1% |
| FY 2024 | $1,520.5M | +9.3% | $426.7M | $58.9M | -11.8% | $2.01 | -9.5% | $137.4M | $130.0M | +94.2% |
| FY 2025 | $1,603.9M | +5.5% | $611.6M | $183.0M | +210.5% | $6.32 | +214.4% | $381.5M | $377.1M | +190.1% |
Valuation
Market Price
$43.13
Market Cap
$1.19B
Enterprise Value
$877.28M
P/E Ratio
6.82
P/B Ratio
2.18
FCF Yield
31.80%
Dividend Yield
1.79%
Shares Outstanding
Profitability & Margins
Gross Margin
38.13%
Operating Margin
15.15%
Net Margin
11.41%
Return on Equity (ROE)
33.20%
Return on Assets (ROA)
6.44%
Asset Turnover
0.56x
Revenue 3-Yr CAGR
9.47%
Financial Health & Liquidity
Current Ratio
N/A
Cash Ratio
N/A
Debt / Equity
0.182
Debt / Assets
0.035
Cash & Equivalents
$408.87M
Total Debt
$100.48M
Book Value / Share
$19.74
Cash Flow Efficiency
Operating Cash Flow
$381.49M
Capital Expenditures (CapEx)
$4.44M
Free Cash Flow
$377.06M
OCF / Revenue
23.79%
FCF / Revenue
23.51%
FCF 3-Yr CAGR
5.66%
Per Share Metrics
EPS (Diluted)
$6.32
EPS (Basic)
$6.56
Dividends / Share
$0.77
Book Value / Share
$19.74
EPS YoY Growth
214.43%
Balance Sheet (FY 2025)
Total Assets
$2.84B
Total Liabilities
$2.29B
Stockholders' Equity
$551.03M
Current Assets
N/A
Current Liabilities
N/A