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Universal Insurance Holdings cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$82.0M in Q3 2026 · $360M over twelve months

Operating cash flow$83.0M
Capital spending−$1.1M
Free cash flow+$82.0M
Cash / net income1.6×

Analysis

In Q3 2026, Universal Insurance Holdings generated $83.0M of operating cash flow and spent $1.1M on capital projects, leaving free cash flow of $82.0M. That is $20.7M more than in Q3 2025 ($61.3M).

Over the twelve months to Sep 30, 2026, operating cash flow was $365M; the largest uses were other investing ($139M), net borrowing (+) / repaid (−) ($101M), buybacks ($26.0M); besides operations, cash came from other financing ($97.2M), asset & business sales ($330K); the cash balance rose by $164M.

Operating cash flow was $83.0M against net income of $52.5M — 1.6× profit, cash ran ahead of reported earnings. The largest differences: depreciation & amortization +$51K.

Free cash flow

Universal Insurance Holdings: free cash flow by quarterUniversal Insurance Holdings: free cash flow by quarter−$102MQ4 2024$186MQ1 2025$105MQ2 2025$61.3MQ3 2025$25.0MQ4 2025$153MQ1 2026$100MQ2 2026$82.0MQ3 2026
Operating cash flow less capital spending.
Universal Insurance Holdings: operating cash flow against capital spendingUniversal Insurance Holdings: operating cash flow against capital spendingOperating cash flowCapital spending−$101M$891KQ4 2024$187M$1.2MQ1 2025$106M$977KQ2 2025$62.4M$1.2MQ3 2025$26.1M$1.1MQ4 2025$155M$1.6MQ1 2026$101M$902KQ2 2026$83.0M$1.1MQ3 2026
Latest (Q3 2026): Operating cash flow $83.0M, Capital spending $1.1M.

Capital allocation, year by year

Universal Insurance Holdings: where the cash came from (up) and went (down), by fiscal yearUniversal Insurance Holdings: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingBuybacksDividendsFY2021: Operating cash flow $234MFY2021: Net borrowing $98.5MFY2021: Asset sales $162KFY2021: Capital spending −$7.2MFY2021: Buybacks −$1.6MFY2021: Dividends −$24.2M$333MFY2021FY2022: Operating cash flow $325MFY2022: Net borrowing −$1.5MFY2022: Shares issued $61KFY2022: Asset sales $97KFY2022: Capital spending −$4.9MFY2022: Buybacks −$11.6MFY2022: Dividends −$23.8M$325MFY2022FY2023: Operating cash flow $71.0MFY2023: Net borrowing −$1.5MFY2023: Shares issued $41KFY2023: Asset sales $42KFY2023: Capital spending −$4.0MFY2023: Buybacks −$22.0MFY2023: Dividends −$23.3M$71.1MFY2023FY2024: Operating cash flow $137MFY2024: Net borrowing −$1.5MFY2024: Asset sales $108KFY2024: Capital spending −$7.4MFY2024: Buybacks −$21.9MFY2024: Dividends −$22.3M$137MFY2024FY2025: Operating cash flow $381MFY2025: Net borrowing −$1.5MFY2025: Asset sales $40KFY2025: Capital spending −$4.4MFY2025: Buybacks −$22.4MFY2025: Dividends −$22.2M$382MFY2025
Over these 5 years operating cash flow totalled $1.1B; the largest uses were dividends ($116M) and buybacks ($79.6M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$569M
Debt$97.3M
Net cash$472M
Due within a year$101M

Universal Insurance Holdings funds itself: free cash flow was $360M over the last twelve months, and $569M of cash and investments stands against $97.3M of debt ($101M due within a year, 5.6× covered by cash).

Where the cash came from and went

Universal Insurance Holdings: sources (+) and uses (−) of cash, Q3 2026Universal Insurance Holdings: sources (+) and uses (−) of cash, Q3 2026Operating cash flow$83.0MCash drawn (+) / kept (−)−$37.3MOther investing−$31.1MBuybacks−$7.5MDividends−$4.5MTaxes on employees’ shares−$1.2MCapital spending−$1.1MNet borrowing (+) / repaid (−)−$367KOther financing−$292KAsset & business sales$261K
Universal Insurance Holdings: sources (+) and uses (−) of cash, TTM to Q3 2026Universal Insurance Holdings: sources (+) and uses (−) of cash, TTM to Q3 2026Operating cash flow$365MCash drawn (+) / kept (−)−$164MOther investing−$139MNet borrowing (+) / repaid (−)−$101MOther financing$97.2MBuybacks−$26.0MDividends−$22.2MTaxes on employees’ shares−$5.6MCapital spending−$4.6MAsset & business sales$330K

From profit to cash

Universal Insurance Holdings: net income to operating cash flow, Q3 2026Universal Insurance Holdings: net income to operating cash flow, Q3 2026Net income$52.5MDepreciation & amortization$51KOperating cash flow$83.0M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsNet borrowing (+) / repaid (−)Cash drawn (+) / kept (−)Free cash flow
Q3 2026$83.0M−$1.1M−$7.5M−$4.5M−$367K−$37.3M$82.0M
Q2 2026$101M−$902K−$4.5M−$4.4M−$100M−$2.4M$100M
Q1 2026$155M−$1.6M−$7.1M−$4.9M−$368K−$121M$153M
Q4 2025$26.1M−$1.1M−$6.9M−$8.4M−$368K−$3.6M$25.0M
Q3 2025$62.4M−$1.2M−$8.1M−$4.5M−$368K−$38.5M$61.3M
Q2 2025$106M−$977K−$7.4M−$4.5M−$368K−$34.9M$105M
Q1 2025$187M−$1.2M—−$4.8M−$367K−$139M$186M
Q4 2024−$101M−$891K−$7.7M−$8.5M−$368K$140M−$102M

Universal Insurance Holdings: income statement and cash flow

Universal Insurance Holdings, Q3 2026: revenue $439M (+10% year over year), operating margin 16.4%. The chart follows the revenue to costs, profit and cash.

Universal Insurance Holdings: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.