Universal Insurance Holdings, Inc.UVENYSE

Revenue (LTM)

$1.6B

+4.9% YoY

Net Income (LTM)

$183M

+210.5% YoY

Free Cash Flow

$377M

Revenue CAGR (5Y)

+9.2%

Marginsimproving

FCF$0.4B

Profitable

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Revenue	1,122	1,223↑9.0%	1,392↑13.8%	1,521↑9.3%	1,596↑4.9%
Gross Profit	116	70↓39.9%	191↑172.8%	200↑4.6%	610↑205.3%
Operating Income	28	-27↓195.9%	88↑424.3%	85↓4.2%	243↑187.3%
Net Income	20	-22↓209.1%	67↑400.2%	59↓11.8%	183↑210.5%
EBITDA	36	-14↓139.1%	101↑822.6%	96↓4.9%	257↑165.9%
EPS Diluted	0.65	-0.72↓210.8%	2.22↑408.3%	2.01↓9.5%	6.32↑214.4%

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Cash & Equivalents	251	389↑55.2%	397↑2.2%	259↓34.7%	478↑84.2%
Total Current Assets	501	1,473↑194.0%	492↓66.6%	1,609↑227.3%	554↓65.6%
Total Assets	2,056	2,890↑40.6%	2,317↓19.8%	2,842↑22.7%	2,352↓17.2%
Total Current Liabilities	215	2↓99.3%	615↑40144.6%	635↑3.2%	29↓95.5%
Total Liabilities	1,626	2,602↑60.0%	1,975↓24.1%	2,469↑25.0%	1,801↓27.0%
Total Equity	430	288↓33.0%	341↑18.5%	373↑9.4%	551↑47.6%
Total Debt	130	103↓21.2%	117↑13.5%	101↓13.2%	100↓0.8%
Net Debt	-147	-286↓94.7%	-281↑1.8%	-158↑43.6%	-377↓138.5%

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Operating Cash Flow	234	325↑38.5%	71↓78.1%	137↑93.5%	381↑177.7%
Capital Expenditure	-7	-5↑32.2%	-4↑18.0%	-7↓83.3%	-4↑39.8%
Free Cash Flow	227	320↑40.7%	67↓79.1%	130↑94.2%	377↑190.1%
Stock-Based Comp	6	5↓18.7%	3↓38.3%	8↑178.4%	9↑6.6%
Net Change in Cash	73	138↑88.6%	9↓93.8%	-138↓1703.1%	216↑256.5%

Values in millions except EPS · Ratios shown as percentages · Click any metric to drill down

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