Filing Flows › Universal Insurance Holdings (UVE) › Q3 2026 › vs Q3 2025
Universal Insurance Holdings (UVE) Q3 2026 vs Q3 2025 (year over year)
Universal Insurance Holdings's revenue rose $38.3M (+10%) from $401M in Q3 2025 to $439M in Q3 2026. Operating margin 16.4% against 13.6% (+2.9 pts).
Universal Insurance Holdings, Q3 2026: revenue $439M (+10% year over year), operating margin 16.4%, net earnings $52.5M, operating cash flow $83.0M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 16.4% | 13.6% | +2.9 pts |
| Net margin | 12.0% | 9.9% | +2.0 pts |
| Free cash flow margin | 18.7% | 15.3% | +3.4 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Revenue | $439M | $401M | $38.3M | +10% |
| Operating profit | $72.2M | $54.4M | $17.8M | +33% |
| Costs & expenses | $367M | $347M | $20.5M | +6% |
| Pre-tax earnings | $70.1M | $52.8M | $17.4M | +33% |
| Other expense, net | $2.1M | $1.6M | $478K | +30% |
| Net earnings | $52.5M | $39.8M | $12.7M | +32% |
| Income tax | $17.6M | $12.9M | $4.7M | +36% |
| Depreciation | $51K | $50K | $1K | +2% |
| Working capital & other | $30.5M | $22.5M | $7.9M | +35% |
| Operating cash flow | $83.0M | $62.4M | $20.6M | +33% |
| Free cash flow (OCF − capex) | $82.0M | $61.3M | $20.7M | +34% |
| Capital expenditures | $1.1M | $1.2M | −$78K | -7% |
Questions
How much did Universal Insurance Holdings's revenue grow year over year in Q3 2026?
Universal Insurance Holdings's revenue rose $38.3M (+10%) from $401M in Q3 2025 to $439M in Q3 2026. Operating margin 16.4% against 13.6% (+2.9 pts).