Filing Flows › Universal Insurance Holdings (UVE) › Q2 2025
Universal Insurance Holdings (UVE) Q2 2025 earnings results (second quarter 2025)
10-Q filed Jul 30, 2025
Universal Insurance Holdings (UVE) reported revenue of $400M for the second quarter 2025 (Q2 2025), +5% from a year earlier and +1% from the quarter before. Operating margin was 12.0%, net earnings $35.1M (8.8% of revenue).
Universal Insurance Holdings, Q2 2025: revenue $400M (+5% year over year), operating margin 12.0%, net earnings $35.1M, operating cash flow $106M. The chart follows the revenue to costs, profit and cash.
| Q2 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $400M | +1% | +5% |
| Operating profit | $48.0M | -16% | -3% |
| Net earnings | $35.1M | -15% | -0.9% |
| Operating cash flow | $106M | -43% | +45% |
| Free cash flow | $105M | -43% | +47% |
What changed
Revenue was $400.1M in Q2 2025, up 5% year over year and up 1% from the previous quarter.
Operating profit was $48.0M, a 12.0% margin (down 1.0 points year over year). Operating profit fell $1.5M even though revenue rose $19.9M versus a year earlier, so costs grew faster than sales. Total costs grew 6% against revenue growth of 5%. Net earnings were $35.1M, down 1% year over year. The effective tax rate was 24.3%.
Operating cash flow was $106.2M (up 45% year over year), 303% of net earnings. Non-cash charges added back $75K of depreciation. Working capital and other items added $71.1M. Capital expenditures of $1.0M left free cash flow of $105.2M.
Questions
What was Universal Insurance Holdings' revenue in the second quarter 2025?
Universal Insurance Holdings (UVE) reported revenue of $400M for the second quarter 2025 (Q2 2025), +5% from a year earlier and +1% from the quarter before.
Was Universal Insurance Holdings profitable in the second quarter 2025?
Operating profit was $48.0M (12.0% of revenue) and net earnings $35.1M.