UVE (Universal Insurance Holdings, Inc.) Stock Financials & Earnings | Market Cap Arena

UVE (Universal Insurance Holdings, Inc.) Stock Financials & Earnings | Market Cap Arena

UVEUniversal Insurance Holdings, Inc.

Mkt Cap$974M

Financial Services·Insurance - Property & Casualty·🇺🇸 United States·NYSE

Revenue (TTM)$1.6B

Net Income (TTM)$183M

EPS (TTM)$6.34

Free Cash Flow (TTM)$377M

Gross Margin26.8%

Op. Margin15.2%

Net Margin11.4%

FCF Margin23.5%

P/S Ratio (TTM)0.6x

P/E Ratio (TTM)5.3x

YoY Rev Growth+5.4%

Employees—

Earnings Reports

Revenue & Profitability

Quarter	Revenue	Gross Profit	Op. Income
Q1 23	$317M	$59M	$33M
Q2 23	$340M	$64M	$38M
Q3 23	$360M	$19M	-$8M
Q4 23	$375M	$50M	$26M
Q1 24	$368M	$73M	$47M
Q2 24	$380M	$80M	$48M
Q3 24	$388M	$12M	-$18M
Q4 24	$385M	$35M	$7M
Q1 25	$395M	$84M	$55M
Q2 25	$400M	$78M	$46M
Q3 25	$401M	$85M	$53M
Q4 25	$406M	$183M	$88M

Revenue Breakdown

Valuation

Quarter	P/S	P/E
Q1 23	0.8x	—
Q2 23	0.7x	174.8x
Q3 23	0.7x	13.5x
Q4 23	0.7x	14.6x
Q1 24	0.7x	12.8x
Q2 24	0.7x	11.7x
Q3 24	0.6x	13.4x
Q4 24	0.6x	16.5x
Q1 25	0.6x	14.6x
Q2 25	0.6x	14.7x
Q3 25	0.6x	8.0x
Q4 25	0.6x	5.3x

Operating Cash Flow

Quarter	Operating CF	Free CF
Q1 23	-$50M	-$51M
Q2 23	$52M	$50M
Q3 23	$69M	$68M
Q4 23	$340K	-$810K
Q1 24	$83M	$80M
Q2 24	$73M	$68M
Q3 24	$83M	$81M
Q4 24	-$101M	-$102M
Q1 25	$187M	$186M
Q2 25	$106M	$105M
Q3 25	$62M	$61M
Q4 25	$26M	$25M

Capital Expenditures

CapEx

Quarter	CapEx
Q1 23	$690K
Q2 23	$1M
Q3 23	$1M
Q4 23	$1M
Q1 24	$3M
Q2 24	$5M
Q3 24	$2M
Q4 24	$891K
Q1 25	$1M
Q2 25	$977K
Q3 25	$1M
Q4 25	$1M

OpEx vs Revenue Growth (YoY)

Quarter	Revenue Growth	OpEx Growth
Q1 23	+10.1%	+7.1%
Q2 23	+16.3%	+7.4%
Q3 23	+15.1%	-9.4%
Q4 23	+13.7%	+17.5%
Q1 24	+16.3%	+13.0%
Q2 24	+12.0%	+10.0%
Q3 24	+7.6%	+10.3%
Q4 24	+2.5%	+8.0%
Q1 25	+7.3%	+5.9%
Q2 25	+5.2%	+6.5%
Q3 25	+3.5%	-14.2%
Q4 25	+5.5%	-15.9%

Stock-Based Compensation

Quarter	SBC ($)	% of Revenue
Q1 23	$0	0.0%
Q2 23	$0	0.0%
Q3 23	$0	0.0%
Q4 23	$3M	0.8%
Q1 24	$0	0.0%
Q2 24	$0	0.0%
Q3 24	$0	0.0%
Q4 24	$0	0.0%
Q1 25	$0	0.0%
Q2 25	$0	0.0%
Q3 25	$0	0.0%
Q4 25	$15M	3.7%

OpEx Breakdown

Quarter	G&A
Q1 23	$24M
Q2 23	$25M
Q3 23	$25M
Q4 23	$22M
Q1 24	$24M
Q2 24	$30M
Q3 24	$28M
Q4 24	$26M
Q1 25	$27M
Q2 25	$30M

War Chest

Quarter	Cash	Short-term Investments	Total
Q1 23	$330M	$1.0B	$1.4B
Q2 23	$292M	$102M	$394M
Q3 23	$344M	$111M	$455M
Q4 23	$397M	$1.1B	$1.5B
Q1 24	$396M	$90M	$487M
Q2 24	$283M	$113M	$396M
Q3 24	$334M	$132M	$466M
Q4 24	$259M	$160M	$419M
Q1 25	$398M	$199M	$597M
Q2 25	$367M	$196M	$563M
Q3 25	$405M	$166M	$572M
Q4 25	$478M	$0	$478M

Shares Outstanding

Shares Outstanding

Quarter	Shares (Diluted)	QoQ Change
Q1 23	31M	+0.3%
Q2 23	31M	+0.1%
Q3 23	30M	-3.4%
Q4 23	29M	-0.4%
Q1 24	29M	-0.3%
Q2 24	29M	-0.3%
Q3 24	28M	-3.3%
Q4 24	29M	+2.7%
Q1 25	29M	-1.2%
Q2 25	29M	+0.0%
Q3 25	29M	+0.1%
Q4 25	29M	+0.0%

Revenue Per Employee

Revenue / Employee

Year	Revenue/Employee	Employees
FY 14	$1M	335
FY 15	$1M	392
FY 16	$1M	483
FY 17	$1M	558
FY 18	$1M	734
FY 19	$1M	805
FY 20	$1M	909
FY 21	$1M	1K
FY 22	$1000K	1K
FY 23	$1M	1K
FY 24	$1M	1K
FY 25	$2M	929