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Universal Insurance Holdings (UVE) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Oct 29, 2026 · Universal Insurance Holdings (UVE) Q3 2026 earnings results →
Q3 2026 Revenue up 10% year over year to $439M · 12¢ of every $1 of revenue kept as net profit · operating margin 16.4%
Universal Insurance Holdings made $439M in Q3 2026 (+10% Y/Y). Operating margin 16.4%, net earnings $52.5M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Oct 29, 2026.
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What changed this quarter
Revenue was $439.3M in Q3 2026, up 10% year over year and up 3% from the previous quarter.
Operating profit was $72.2M, a 16.4% margin (up 2.9 points year over year). Of the extra revenue versus Q3 2025, 47% reached operating profit, above the 14% margin then. Total costs grew 6% against revenue growth of 10%. Net earnings were $52.5M, up 32% year over year. The effective tax rate was 25.1%.
Operating cash flow was $83.0M (up 33% year over year), 158% of net earnings. Non-cash charges added back $51K of depreciation. Working capital and other items added $30.5M. Capital expenditures of $1.1M left free cash flow of $82.0M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Oct 29, 2026 | $439M | +10% | 16.4% | $52.5M | $83.0M |
| Q2 2026 | 10-Q | Jul 30, 2026 | $427M | +7% | 19.1% | $59.2M | $101M |
| Q1 2026 | 10-Q | Apr 29, 2026 | $394M | -0.3% | 18.6% | $54.3M | $155M |
| Q4 2025 | 10-K | Feb 27, 2026 | $408M | +6% | 22.1% | $66.6M | $26.1M |
| Q3 2025 | 10-Q | Oct 30, 2025 | $401M | +4% | 13.6% | $39.8M | $62.4M |
| Q2 2025 | 10-Q | Jul 30, 2025 | $400M | +5% | 12.0% | $35.1M | $106M |
| Q1 2025 | 10-Q | Apr 30, 2025 | $395M | +7% | 14.5% | $41.4M | $187M |
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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⚖️Fair value by methodinteractive
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📈Investments: gains and what it boughtinteractive
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Customers and suppliers named in filings
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About Universal Insurance Holdings
Universal Insurance Holdings, Inc. (NYSE: UVE) is a holding company providing property and casualty insurance and value-added insurance services. We develop, market, and write insurance products in the personal residential homeowners lines of business and perform substantially all other insurance-related services for our primary insurance entities, including risk management, claims management and distribution. We provide insurance products in the United States through both our appointed independent agents and our direct online distribution channels. Learn more at universalinsuranceholdings.com or get an insurance quote at Clovered.com .
In its own words, from its 8-K, filed Jul 23, 2026.
Universal Insurance Holdings against its Fire, Marine & Casualty Insurance peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +10% against the peers' median +3%. Operating margin: 16.4% against the peers' median 15.5%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| UVE Universal Insurance Holdings | Q3 2026 | $439M | +10% | 16.4% |
| BRK-B Berkshire Hathaway | Q2 2026 | $101.8B | +10% | 15.5% |
| PGR Progressive | Q3 2026 | $23.2B | +3% | 14.0% |
| ALL Allstate | Q3 2026 | $17.3B | +0.5% | 15.1% |
| CB Chubb | Q3 2026 | $16.2B | +0.3% | 21.0% |
| TRV Travelers Companies | Q3 2026 | $12.4B | -0.5% | 19.1% |
| AIG American International Group | Q3 2026 | $7.4B | +17% | 15.0% |
| HIG Hartford Insurance Group | Q3 2026 | $7.2B | +4% | 21.9% |
| L Loews | Q3 2026 | $4.8B | +2% | 8.5% |
Source: Universal Insurance Holdings 10-Q on SEC EDGAR · CIK 891166 · Fire, Marine & Casualty Insurance
13F: who owns UVE and who is buying
More on UVE
History
Every quarter: Q3 2026 results · Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results