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RLI vs Universal Insurance Holdings: RLI and UVE compared
RLI is the larger company: $477M of revenue in its latest quarter (Q3 2026) against $439M for Universal Insurance Holdings (Q3 2026). Universal Insurance Holdings is growing faster (+10% against -6% a year earlier). RLI is more profitable, with an operating margin of 21.6% against 16.4%.
Where the money goes: RLI and UVE
RLI (RLI) · Q3 2026
RLI, Q3 2026: revenue $477M (-6% year over year), operating margin 21.6%, net earnings $81.0M, operating cash flow $195M. The chart follows the revenue to costs, profit and cash.
Universal Insurance Holdings (UVE) · Q3 2026
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.
| RLI (RLI) | Universal Insurance Holdings (UVE) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $477M | $439M |
| Revenue growth, Y/Y | -6% | +10% |
| Operating margin | 21.6% | 16.4% |
| Net earnings | $81.0M | $52.5M |
| Net margin | 17.0% | 12.0% |
| Operating cash flow | $195M | $83.0M |
| Free cash flow | $192M | $82.0M |
| Market value | $6.3B | $1.4B |
| P/E | 15.9× | 5.8× |
| Analysts’ mean target | $58.25 | $51.00 |
Questions
Which is bigger, RLI or Universal Insurance Holdings?
RLI is the larger company: $477M of revenue in its latest quarter (Q3 2026) against $439M for Universal Insurance Holdings (Q3 2026).
Is RLI or Universal Insurance Holdings growing faster?
Universal Insurance Holdings is growing faster (+10% against -6% a year earlier).
Which is more profitable, RLI or Universal Insurance Holdings?
RLI is more profitable, with an operating margin of 21.6% against 16.4%.
More: RLI earnings · how RLI makes money · Universal Insurance Holdings earnings · how Universal Insurance Holdings makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Oct 21, 2026; 10-Q filed Oct 29, 2026). Fiscal quarters can end on different dates. Not investment advice.