Filing Flows › Universal Insurance Holdings (UVE) › Q4 2025
Universal Insurance Holdings (UVE) Q4 2025 earnings results (fourth quarter 2025)
10-K filed Feb 27, 2026
Universal Insurance Holdings (UVE) reported revenue of $408M for the fourth quarter 2025 (Q4 2025), +6% from a year earlier and +2% from the quarter before. Operating margin was 22.1%, net earnings $66.6M (16.3% of revenue).
Universal Insurance Holdings, Q4 2025: revenue $408M (+6% year over year), operating margin 22.1%, net earnings $66.6M, operating cash flow $26.1M. The chart follows the revenue to costs, profit and cash.
| Q4 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $408M | +2% | +6% |
| Operating profit | $90.0M | +66% | +905% |
| Net earnings | $66.6M | +67% | 11× |
| Operating cash flow | $26.1M | -58% | — |
| Free cash flow | $25.0M | -59% | — |
What changed
Revenue was $407.9M in Q4 2025, up 6% year over year and up 2% from the previous quarter.
Operating profit was $90.0M, a 22.1% margin (up 19.7 points year over year). Of the extra revenue versus a year earlier, 351% reached operating profit, above the 2% margin then. Total costs fell 15% while revenue rose 6%. Net earnings were $66.6M, up 1006% year over year. The effective tax rate was 24.7%.
Operating cash flow was $26.1M, 39% of net earnings. Non-cash charges added back $6.2M of depreciation and amortization. Working capital and other items used $46.8M. Capital expenditures of $1.1M left free cash flow of $25.0M.
Questions
What was Universal Insurance Holdings' revenue in the fourth quarter 2025?
Universal Insurance Holdings (UVE) reported revenue of $408M for the fourth quarter 2025 (Q4 2025), +6% from a year earlier and +2% from the quarter before.
Was Universal Insurance Holdings profitable in the fourth quarter 2025?
Operating profit was $90.0M (22.1% of revenue) and net earnings $66.6M.