Filing Flows › Universal Insurance Holdings (UVE) › Q3 2026
Universal Insurance Holdings (UVE) Q3 2026 earnings results (third quarter 2026)
10-Q filed Oct 29, 2026
Universal Insurance Holdings (UVE) reported revenue of $439M for the third quarter 2026 (Q3 2026), +10% from a year earlier and +3% from the quarter before. Operating margin was 16.4%, net earnings $52.5M (12.0% of revenue).
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 follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $439M | +3% | +10% |
| Operating profit | $72.2M | -11% | +33% |
| Net earnings | $52.5M | -11% | +32% |
| Operating cash flow | $83.0M | -18% | +33% |
| Free cash flow | $82.0M | -18% | +34% |
What changed
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.
Questions
What was Universal Insurance Holdings' revenue in the third quarter 2026?
Universal Insurance Holdings (UVE) reported revenue of $439M for the third quarter 2026 (Q3 2026), +10% from a year earlier and +3% from the quarter before.
Was Universal Insurance Holdings profitable in the third quarter 2026?
Operating profit was $72.2M (16.4% of revenue) and net earnings $52.5M.