UVEUNIVERSAL INSURANCE HOLDINGS, INC.
Fire, Marine & Casualty Insurance
- Revenue
- $1.6B
- 5.5% YoY
- Operating margin
- —
- EBITDA
- —
- Market cap
- —
- Employees
- —
- Net debt / EBITDA
- —
- −$472M net debt
- AI in 10-K
- —
Red flags 0 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashClear209% of net incomeCash flow under 80% of net income
- Dilutive SBCClear1% of revenueOver 10% of revenue
- Payouts exceed cash flowClear12% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyClear—Over 40% of assets
- Shareholder dissentClear—Any vote under 80% support
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Revenue | $1.1B | $1.2B | $1.4B | $1.5B | $1.6B | 5.5% |
| Net income | $20M | −$22M | $67M | $59M | $183M | 210% |
| Operating cash flow | $234M | $325M | $71M | $137M | $381M | 178% |
| Capex | $7M | $5M | $4M | $7M | $4M | 40% |
| Stock-based comp | $6M | $5M | $3M | $8M | $9M | 6.6% |
| Buybacks | $2M | $12M | $22M | $22M | $22M | 2.1% |
| Dividends | $24M | $24M | $23M | $22M | $22M | 0.7% |
Deal filings
None.
13D filers
None on file.
Insider trading
- Open-market buys, 12 mo
- $0 · 0
- Open-market sells, 12 mo
- $880K · 1
- Net
- −$880K
Pay vs performance
| Year | CEO total comp | Comp actually paid | TSR (indexed) | Peer TSR |
|---|---|---|---|---|
| FY2025 | $5M | $9M | 281 | 199 |
| FY2024 | $5M | $7M | 170 | 183 |
| FY2023 | $4M | $7M | 124 | 144 |
| FY2022 | $4M | $2M | 79 | 128 |
| FY2021 | $4M | $3M | 118 | 123 |